If you want to use AutoEnrolSME for your business, this handy pdf explains what happens to you when you're automatically enrolled into a pension and how we can manage the administrative burden of the new legislation on you behalf. I prepared this document in order for potential clients to see just how easy and quick it is to use AutoEnrolSME to manage their automatic enrolment pensions, as well as to give employees a clear idea of how they might move through the auto enrolment process.

1. Your path through auto enrolment
if you qualify for auto enrolment
You are categorised as
per legislation
if you don’t qualify for auto enrolment
Employer’s staging
date
if you now qualify fo
r auto enrolment
You are auto-enrolled,
and sent relevant
information
You decide to opt-out
and send in an opt-out
notice as provided by
pension provider
You are sent relevant
information if the
change affects your
auto enrolment status
You are removed from
pension scheme and
your contributions
returned
Your situation changes
eg. you get a pay rise
or your hours change
Your status is
monitored on a
month to month basis
You are not autoenrolled and then sent
relevant information
You decide to cease
membership and send
in a notice as provided
by pension provider
You decide to join
pension scheme and
tell your employer this is
the case
3 year anniversary of
Employer’s Staging
Date
You cease
contributions and your
pension pot remains
untouched
You are enrolled into
the pension scheme
Key
Something that
happens to you
because of autoenrolment legislation
A decision that you
may make about your
pension
Indicates the box it is
leading to WILL happen
because of the auto
enrolment legislation
Indicates the box it is
leading to MAY happen,
depending on the
circumstances
This information is provided by AutoEnrolSME as guidance only. The copyright, trademark or other notices contained in the original material must be kept and should not be altered in any way. This material should not be reproduced or altered without the prior written consent of Enble Ltd and material should not be used in a misleading context. Every effort has been taken to ensure this information is
accurate and up to date however Enable Ltd will not be held responsible for any loss, damage or inconvenience caused as a result of any inaccuracy, error or omission.

2. How we will manage auto enrolment for you
We provide a fully managed auto enrolment system
alongside payroll.
What does that mean?
The auto enrolment (AE) system will look at the payroll
information on a month to month basis and work out
who is in what AE pension, how much money needs to
come from the employer and from the employee and
do all of the communication with the pension provider.
What do we have to do?
Happily, not a lot! Before your staging date the AE
system will pull across the payroll data. Someone
will need to log into the AE system, check the data
is correct and select an AE pension scheme for each
employee. Once that’s been done there’s not really
any more to do.
So what does the system actually do
then?
The AE system monitors each employee’s status every
month. If anything changes that would affect their
category in the AE legislation or their contribution
amount, the system will take note of it and take the
relevant action.
Can I increase/decrease my contribution
levels?
The AE system gives both you and your individual
employees the option to change the associated
contribution levels. You will have the option to change
the default contribution level, as well as change the
contribution level for individual employees.
The system will not allow you to select a contribution
level lower than the minimum as outlined in the
legislation.
Some AE pension schemes also have an annual
contribution limit and the AE system will not allow you
to set a contribution level that would mean you would
exceed this.
What about for new employees, or people who want to join the scheme? How
does that work?
New employees will be processed from your payroll
data, so there is nothing else that needs to be done.
If an existing employee who is not part of the pension
scheme wants to join, then someone from your
organisation will need to log in to the system, select a
pension scheme for them and decide whether to pay
the default contribution or a personalised contribution
for that employee. The system will take care of the
rest.
What about employee detail changes?
If anemployee moves house or changes their name
then they will only need to follow normal company
procedures. The AE system will pick up any changes
from our payroll software in the same way that it picks
up salary changes.
Help, I have more questions!
You can call our auto enrolment helpline on 0203 137
4573 if you have more questions about auto enrolment.
How it will work in practice - a couple of examples
At the staging date John is 21 and earning £16,000, so he does not qualify for auto enrolment. He turns
22 on 5th October 2014. The system takes note of this, postpones his staging date until the end of the pay
period and auto enrols him on that day.
At the staging date Janine is 42 and earning £28,000, so she is auto enrolled. Her employer have decided
to pay the minimum contribution based on First Pound earnings. This means her contribution from her
employer is £23.33 per month. On 1st September 2014, Janine is given a pay rise, and is now earning
£30,000 a year. The system notes this and increases her monthly contribution from her employer to £25.
This information is provided by AutoEnrolSME as guidance only. The copyright, trademark or other notices contained in the original material must be kept and should not be altered in any way. This material should not be reproduced or altered without the prior written consent of Enble Ltd and material should not be used in a misleading context. Every effort has been taken to ensure this information is
accurate and up to date however Enable Ltd will not be held responsible for any loss, damage or inconvenience caused as a result of any inaccuracy, error or omission.