Help Centre for Advisers

Complete guide to re-enrolment

We want to help you understand more about re-enrolment and what it is you need to do.

Under auto enrolment legislation, every three years employers will need to re-enrol eligible jobholders who have opted out, ceased active membership of their pension scheme or reduced their pension contributions below the minimum level.

Employers who do not have any eligible staff to re-enrol will still need to complete the re-declaration of compliance for The Pensions Regulator.

Our guide, Understanding re-enrolment  explains how the re-enrolment assessment works and a handy checklist to help you with declaring your compliance again online with the Pension Regulator

Below are a few tips on how you can prepare for re-enrolment.

Step 1
Speak to your payroll software provider

If you use payroll software to manage your auto enrolment assessment duties you should contact your payroll software provide to find out what support they may offer for re-enrolment and if an upgrade to your payroll software is required.

Step 2
Choose your re-enrolment date

Choose your date wisely as you cannot use postponement. Your re-enrolment date can be any date within a six month window starting three months before the third anniversary of your original staging date. For example: If you staged 01 April 2013 then your re-enrolment window opens 01 January 2016 and closes 30 June 2016.

If this is your second re-enrolment, your re-enrolment date can be any date within a six month window starting three months before the third anniversary of your first re-enrolment. For example: If your re-enrolment date was 1 November 2015 then your re-enrolment window opens 01 August 2018 and closes 31 January 2018.

The date that you choose may be influenced by the start dates of your regular payroll periods. If you have more than one payroll you may want to choose a date which works well for all payrolls.

Step 3
Keep up-to-date and accurate records

It's important to keep up-to-date and accurate records of workers who have opted out or ceased membership these are critical so you know who to re-enrol. Workers that opted out within 12 months of re-enrolment don’t have to be re-enrolled nor do workers that have handed in their notice or those who have protection from lifetime allowance tax changes.

Step 4
Consider how you communicate with your workers

NOW: Pensions will send the required enrolment notices to those who are re-enrolled but for some it could come as quite a surprise and be a cause of frustration so be prepared to answer their questions or consider issuing information before your re-enrolment arrives. We’ve created this handy template which you could use as a flyer for all staff or use it to create your own letters to let your workers know the date you’ve chosen for re-enrolment and what to expect.

Step 5
Re-declare your compliance

You don’t need to tell The Pensions Regulator your chosen re-enrolment date until you re-certify compliance. You must re-declare compliance within 5 months of the third year anniversary from either your staging date or previous re-enrolment date. Here is an example: Your 3 year anniversary is 01 April 2016, therefore no matter what re-enrolment date you select you must re-declare your compliance with The Pensions Regulator by 31st August 2016

NOW: Pensions has a good technical infrastructure combined with a pension product suitable for our team. We couldn’t be happier with NOW: Pensions.
Martin Woods,