Help Centre for Employers

I’ve missed my auto enrolment staging date

Missed your auto enrolment staging date? Don’t worry – in just 3 simple steps, NOW: Pensions can help you to get back on track and set up a compliant workplace pension scheme.

Please note. The content of this page is to be used as a guide only. If you have any concerns about missing your staging date you should consult The Pensions Regulator or your legal (and other relevant) advisers. NOW: Pensions accepts no liability arising in connection with an employer missing their staging date as it is the employer’s responsibility.

Step 1
Complete the online application

Register online with us if you haven’t already done so. You will be asked to confirm your email address and to log in to the website where you can start the online application, which should take you around 15-20 minutes. On completion a legal agreement will be produced which can be approved online without the need for a wet signature.

Sign up


Step 2
Contact The Pensions Regulator

You will need to contact The Pensions Regulator (TPR) on 0845 600 1011 (Option 3) to let them know you have selected the NOW: Pensions Trust as your auto enrolment pension provider. The Pensions Regulator will ask you for the following:

  • Your PAYE reference number

    Your PAYE reference can be found on a P6/P9 coding notice or on your white payslip booklet P30BC.

  • Your letter code

    Your letter code can be found on the staging date letter you will have received from The Pensions Regulator


Step 3
Getting back on track

The Pensions Regulator will advise you to rectify the situation as soon as possible ensuring your employees are in the same position they would have been in if you had complied with the regulations. How this is done is at your discretion. If you have missed your staging date here are some possible actions you could take:

  • Within 3 months of your staging date – deduct and contribute back contributions for all eligible jobholders.
  • Over 3 months of your staging date – you cover the cost of both the employee and employer from the start of your staging date to the current date.

Some employers have postponed their implementation of auto enrolment, however, postponement cannot be used unless the relevant communications were issued to all your employees within six weeks of your staging date. If you haven’t yet communicated to your employees you will need to, so that they know what has happened.



I'm excited by the opportunity to help bring to the UK auto-enrolment market NOW: Pensions, a customer-friendly and responsive trust-based alternative to NEST and to contract-based offerings. — Chris Daykin, the former Government Actuary
There is a need for a member-centric solution designed for ease of use with low costs and cutting edge investment strategy, which delivers long term stable returns. ATP's in-house investment capabilities, combined with our novel and innovative… — Lars Rohde, Governor of the National Bank of Denmark and Former CEO of ATP Group
NOW: Pensions is supportive, easy for our employees to understand and uncomplicated in terms of its implementation. Its structured approach removes the complicated investment choices & makes auto-enrolment a straightforward and simple process. — Mark Manaton, Managing Director, Blue Arrow Group
We decided to appoint NOW: Pensions because of the simplicity and robustness of its scheme. The NOW: Pensions product is both cost effective and straightforward to implement... — Mark Roberts, Managing Director at gap personnel
Why do we insist on having a choice of fund manager when the evidence shows there is usually no benefit to be gained…and there is always a negative impact in terms of cost? — Anthony Hilton financial editor of the Evening Standard writing in Pensions World, June 2013