General Auto-Enrolment

What is æComply?

æComply is a market-leading online service which gives you as an employer three things: guidance and clear explanations on the regulation and how it applies to you and your organisation, detailed per-worker enrolment application with a mapping of your workers, and continuing professional support so that after you have a pension plan in place, you can maintain continuing compliance with minimal effort.

What is a jobholder?

The Pensions Regulator defines a jobholder as a worker who is aged between 16 and 74, is working or ordinarily works in the UK under their contract and has qualifying earnings.

What is an eligible jobholder?

The Pensions Regulator defines an eligible jobholder as a jobholder who is aged between 22 and state pension age and who has qualifying earnings above the earnings trigger for automatic enrolment.

What are qualifying earnings?

For the 2014/2015 tax year, qualifying earnings are earnings of between £5,772 and £41,865 which are made up of certain specific elements of pay which are due to be paid to the worker.

What is the earnings trigger for automatic enrolment?

The earnings trigger for automatic enrolment will depend on the relevant pay reference period. For the 2014/2015 tax year, the annual earnings trigger will be £10,000 and the earnings trigger for a monthly pay reference period will be £833.

What is meant by ‘opting out’?

All eligible jobholders will have to be enrolled into an automatic pension scheme. However, a worker can choose to ‘opt out’ of this if they wish, within the ‘opt out’ window, which takes place for a period of six weeks from your automatic enrolment date.

When should I start preparing for automatic enrolment?

It is generally suggested that you allow yourself 12 months to prepare for automatic enrolment. However, the time allowed for preparation will differ depending on the circumstances of your business.