1. Auto Enrolment:
7 Steps to Profit with BrightPay

2. Paul Byrne
Managing Director
BrightPay

3. Q&A Session
Questions Tab or #BPWebinars
Competition
Two BrightPay bureau 2015/16 licences
Q&AQ&A
WINWIN

4. Auto Enrolment:
7 Steps to Profit with BrightPay

5. Paul Byrne
• Accountancy Practice for
20 Years
• Set up own company
• BrightPay Background
• 65,000 customers – UK &
Ireland

6. BrightPay & Auto Enrolment

7. Agenda
• Auto Enrolment as a Service?
• Automate & Streamline AE Duties
• BrightPay’s Approach
• BrightPay Demo
• Increase Profits from Auto Enrolment
• 7 Steps to Profit

8. Auto Enrolment as a Service

9. Auto Enrolment
Small & micro employers expected
to turn to an intermediary
Small & micro employers expected
to ask an accountant for help and
guidance
59%
74%

10. 1.2m Small & micro employers set
to stage from June 2015
• Majority of employers will not have the
knowledge or experience to make informed
decisions
• Information overload – Confused and
overwhelmed

11. Staging date
Maintain employee records
Identify eligible workers
Pension contribution calculations
87%
86%
85%
80%

12. Automate Auto Enrolment Duties

13. Uncomplicated AE Duties
• 1 – 2 hours should be sufficient to deal with auto
enrolment staging tasks
• Monitoring employees and managing
employees who opt in and opt out.
• Some payroll software available monitors the
ages and earnings of employees

14. Payroll Software
• With most payroll software - little work involved
in the auto enrolment process.
• Staging is the most hands-on task involved
With the right tools, auto enrolment should
become a seamless part of the payroll process.

15. Automation
• For large, repetitive or time
sensitive tasks, the speed of
automated AE offers significant
cost savings to bureaus.
• Especially relevant when employers approach
you close to, at, or even after their staging
date.

16. Auto Enrolment Functionality
• With some payroll software providers, you may
face additional costs for Auto Enrolment
functionality and support.
• Alternative software packages exist that have
Auto Enrolment features included without an
increase in the price and no hidden support
charges.

17. Streamline Auto Enrolment

18. Payroll Solutions
• BrightPay is a modern innovative solutions that
can automate Auto Enrolment duties
• Enter staging date to assess each employee’s
eligibility for Auto Enrolment
• Employee AE communications based on each
employee’s individual eligibility.

19. BrightPay Payroll Software
• BrightPay is payroll and auto enrolment
software
• Enables bureaus to help their clients prepare for
their staging dates.
• An all encompassing solution that works to
automate and simplify the AE process
• Makes it as easy as possible for you to help your
clients achieve compliance.

20. How BrightPay handles Auto
Enrolment

21. Payroll Software
• Weekly, fortnightly, 4-weekly, monthly payment
schedules
• Basic, daily, hourly and statutory pay
• Payslips can be emailed to employees –
password secure payslip attachment
• RTI submissions – automatically creates Full
Payment Submissions (FPS)

22. Employee Assessment
• Assessing employees can be time consuming
• Based on employees wages and age, BrightPay
will automatically assess each employee and let
you know who needs to be enrolled
• Alert you to what your AE obligations are for
each employee based on their worker category

23. Enrolling Employees
• Ease of enrolling employees – fundamental to
AE process
• Individual employee information must be
submitted to your chosen pension provider
• BrightPay makes enrolling employees and
processing opt-in requests straight forward
• Process opt-out requests, refund all deductions
made and show this refund on the payslip

24. Communications
• Communications – how auto enrolment affects
each individual employee
• Right information, right employee, right time
• TPR – specific requirements need to be included
• Free templates – time consuming
• BrightPay – automatically examines each
employee and produces a tailored AE letter,
ready for printing or exporting

25. Postponement
• Option to postpone AE for up to 3 months
• Additional communications required to notify
employee that they have been postponed
• Deferral date – must reassess employees and
enrol eligible employees in a qualifying scheme
• BrightPay – automatically produces
postponement communications and alerts you
when postponement period expired.

26. Ongoing AE Duties
• Monitor any changes to employees age and
earnings
• If an employee becomes an eligible jobholder,
they must be enrolled into a qualifying scheme
• BrightPay will recognise this change, alert you of
your AE obligation, and produce the necessary
communications
• Payroll software should continuously monitor
employees in case enrolment is required

27. AE Contributions
• BrightPay – automatically uses phased minimum
contribution levels
• There is also the option to use custom
contribution rates if desired
• BrightPay makes relevant contributions and
deductions at each pay period and includes
these on employees payslip.
• BrightPay keeps up-to-date with minimum
contributions rates

28. Limitations
• Some providers have limitations to AE features
and functionality
• BrightPay has no limitations – it handles and
automates the AE employer duties for you
• No restrictions to the number of employees
• Performs necessary tasks for non-eligible
jobholders and entitled workers

29. AE Pension Providers
• BrightPay’s integration with auto enrolment
pension providers:

30. Records & Reporting
• Proof of compliance – records must by law be
kept for a minimum of 6 years
• For example, communications in relation to opt
in, opt out, and joining notices
• BrightPay easily generates customisable reports
for analysis

31. Pricing & Charges
• Pricing varies across the industry with each
payroll software provider
• Some charge extra per employee per month –
can quickly add up
• Some charge additional fee for Auto Enrolment
functionality
• Make sure to read the small print – be aware of
hidden costs, such as support

32. BrightPay
Unlimited
Employers
Unlimited
Employers
Unlimited
Employees
Unlimited
Employees
Free
Support
Free
Support
60 Day
Free Trial
60 Day
Free Trial

33. BrightPay Demo

34. 1. Simplify and Automate
2. Engage Your Clients
3. Avoid Penalties
4. Open for Business
5. Payroll Software
6. Increase Revenue
7. Ensure AE Functionality
7 Steps to Increase Profits from
Auto Enrolment

35. 7 Steps to Increase Profits
1. Simplify and Automate

36. 1. Simplify & Automate
• Simplify the process and automate the AE
admin chores – reduce time spent handing each
payroll client.
• Key to success – increase the speed involved
• Avoid inefficient or expensive AE software
solutions and save time and money.
• Why? Greater efficiency, increased value and
improved cost savings!

37. 7 Steps to Increase Profits
1. Simplify and Automate
2. Engage Your Clients

38. 2. Engage with your Clients
• Engage with clients who have not yet staged
• Find out clients’ staging date – the Pensions
Regulator's website
• Risk of losing some or all of your payroll
clients

39. 7 Steps to Increase Profits
1. Simplify and Automate
2. Engage Your Clients
3. Avoid Penalties

40. 3. Avoid Penalties
• The Pensions Regulator continues to enforce
fines and penalties for non-compliance.
• Not allowing enough time to plan could lead to
your clients being fined
• AE Penalties: £50 to £10,000
• In 2014, The Pensions Regulator fined 169
employers for failing to comply.

41. 7 Steps to Increase Profits
1. Simplify and Automate
2. Engage Your Clients
3. Avoid Penalties
4. Open for Business

42. 4. Open for Business
• Position themselves as open for auto enrolment
business
• Outsource to you because you have the know-
how and it saves them time and money.
• Trusting you as a payroll professional to make
sure they are fully AE compliant with the law.
• Open to the idea of outsourcing AE for a
chargeable fee.

43. 7 Steps to Increase Profits
1. Simplify and Automate
2. Engage Your Clients
3. Avoid Penalties
4. Open for Business
5. Payroll Software

44. 5. Payroll Software
• Without appropriate systems in place, additional
time and resources will be required
• Payroll software can automate employer admin
tasks, e.g. Assessing employees
• Access employee information to determine who
is eligible, non-eligible and entitled
• Ensure the software supports the requirements
of AE and will correctly perform tasks

45. 7 Steps to Increase Profits
1. Simplify and Automate
2. Engage Your Clients
3. Avoid Penalties
4. Open for Business
5. Payroll Software
6. Increase Revenue

46. 6. Increase Revenue
• A unique platform to increase profits
• A market of small and micro employers due to
stage this year
• Important to capitalise on this window of
opportunity
• A number of advantages to offering Auto
Enrolment as a Service

47. 7 Steps to Increase Profits
1. Simplify and Automate
2. Engage Your Clients
3. Avoid Penalties
4. Open for Business
5. Payroll Software
6. Increase Revenue
7. Ensure AE Functionality

48. 7. Ensure AE Functionality
• Plays a vital role in ensuring the success of
automatic enrolment.
• Payroll software can provide the necessary
functions to automate the employer admin tasks.
• The Pensions Regulator urges bureaus and
employers to check with their payroll provider

49. BrightPay Pricing
Bureau Licence:
• Unlimited employers
• Unlimited employees
• Auto Enrolment functionality
• Free phone & email support
Standard Licence:
• Unlimited employees
• Auto Enrolment functionality
• Free phone & email support
£199
ex vat
/ year
£199
ex vat
/ year
£89
ex vat
/ year
£89
ex vat
/ year

50. Does Your Payroll Software...
1. Assess your workforce?
2. Allow the use of postponement?
3. Automate employee communications?
4. Calculate pension contributions?
5. Handle opt-in and joining?

51. Does Your Payroll Software...
6. Handle opt outs and refunds?
7. Notify you when actions need to be taken?
8. Keep records and provide reports?
9. Integrate with multiple pension scheme
provider systems?

52. Request Demo
http://goo.gl/forms/YOIg68muxK

53. Follow BrightPay on Twitter:
@BrightPayUK
#BPWebinars

54. Useful links and resources
• The Pensions Regulator –
www.thepensionsregulator.gov.uk/
• The Pensions Advisory Service –
www.pensionsadvisoryservice.org.uk/
• NEST – http://www.nestpensions.org.uk/
• Request Demo – BrightPay Demo
• Accounting web – www.accountingweb.co.uk/
• BrightPay free trial – www.brightpay.co.uk/try/
• Auto Enrolment for Dummies
http://bitly.com/1AhNPjX

55. Questions & Answers
For more information see: www.brightpay.co.uk
Or phone: 0845 3004 304