What is re-enrolment?

Not sure what your duties are when it comes to re-enrolment? Here, we take a look at what it means, what the rules are, and how you should remain compliant with legislation.

Re-enrolment every three years

In a nutshell…

Every three years, you must put certain qualifying employees back into your pension scheme.

Re-enrolment duties must be carried out approximately three years after your automatic enrolment staging date, and whether you have staff to re-enrol or not, you’ll need to complete a declaration of compliance.

If you don’t re-enrol and re-delcare, you could be fined by the Pensions Regulator.

You must:

  • Set a re-enrolment date (this can be any date between the period of three months before and three months after the third anniversary of your staging date).
  • Assess your staff and identify staff who meet the criteria to be put back into your pension scheme and plan to re-enrol them with effect from your re-enrolment date.
  • Write to those staff individually, to inform them that you have re-enrolled them.
  • Complete the re-declaration of compliance within five months of the third anniversary of your automatic enrolment staging date.

How this is different to ongoing automatic enrolment

Hopefully, you are already assessing staff to work out who needs to auto-enrol in your pension scheme, on an ongoing basis.

However, re-enrolment applies to those who have decided to leave the scheme, or are not in it for some other reason. Provided they are eligible, they should be re-enrolled every three years (however, they choose to opt-out again).

Identifying employees to re-enrol

You’ll need to carry out an assessment, including all staff who meet the age and earnings criteria. As well as those who have opted-out, take a look at those who have chosen to contribute below the minimum requirements, or left the scheme under the scheme rules.

Read our Top 5 Tips for re-enrolment >>

Read the Pension Regulator’s guidance on Re-Enrolment >>

Download the Pension Regulator’s Re-Enrolment check list >>

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