THP AE Online

E payroll@thp.co.uk T 0800 6520 025
Worried about Auto Enrolment?
Relax.
The THP Angels will show you
an easier way.

“Hello. My name’s Amy and this is Jack. We’re your friendly
Payroll Angels at THP.”
“We’re going to tell you everything you need to know
about Auto Enrolment – and how to make it as pain-free
as possible.”
A TIP FROM THE ANGELS 20% OF SMALL AND MEDIUM BUSINESSES STILL DON’T KNOW
THEIR STAGING DATE FOR AUTO ENROLMENT. DON’T GET CAUGHT OUT – CALL US TO FIND
OUT YOURS NOW.

“The Auto Enrolment express train has entered the tunnel
– and it’s heading straight towards you. This is what you
need to know.”
WHAT’S COMING
Very soon, every employer in the UK will
have to Auto Enrol its staff in a workplace
pension. Depending on the number
of people you employ and your PAYE
reference, you are given a date by which
this must happen. This is your STAGING
DATE. From that day, you must have a
qualifying pension scheme in place and
a payroll system which handles all the
necessary AE functions. Even if your
employees choose to opt out, you still
need a qualifying pension scheme in place
to handle all future communications –
so there’s no getting out of it.
WHY IT’S IMPORTANT
You’ll be slapped with fines of up to
£10,000 for every day you don’t comply.
Sitting on your hands simply isn’t an
option!
But luckily you can relax.
At THP, we started crafting a very special
solution long before others realised there
was even an issue. It’s really good, and
it gives you cutting edge payroll and
AE cloud software that’s been specially
developed for businesses like yours. It
takes away the stress and hassle of AE at a
stroke, and makes existing payroll systems
look outdated and obsolete. This guide is
here to tell you more about it – and two
alternative approaches to solving your
AE conundrum.
THREE WAYS TO TACKLE THE HASSLE
GO THP PAYEROLL
We’ll cut all the tedious red
tape and use our special
payroll and AE software
package to make sure you will always be
AE compliant – no matter how often your
workforce changes or how often you pay
them. Turn to page 1.1 to learn how our
unique AE Payroll solution works.
GO THP BESPOKE
This is when you work with
the THP Angels and our
trusted Independent Financial
Advisers to create a made-to-measure
Auto Enrolment strategy for your business
– including specialist pensions advice and
help making your existing systems handle
AE. See page 2.1 for more details.
GO IT ALONE
This option isn’t for the faint
hearted! You’ll be completing
over 33 administrative tasks in-
house, taking an average of up to 103 staff
days and spending between £8,900 and
£22,300 getting everything in place. And
that’s before paying for some three days
of admin each month. But it can be done –
go to page 3.1 to find out how.

Option 1 - THP Payeroll
“At THP, your payroll will always be in safe hands.
And if you are not yet one of our clients, you don’t even need
to switch your accountant! But let us tell you how well it
works – and why you’ll have nothing to worry about when
you need to stage.” AMY NEEP, THP PAYROLL ANGEL

1.2
When our clients’ payrolls had to cope
with Real Time Information (RTI), we
handled it so smoothly they barely noticed
the change.
And when AE came round the corner and
our own Staging Date was in sight, we
went through lots of pain and learning
to get it right – so we could share our
knowledge and solutions with you. Our
colleague Sam tells you how we did it on
page 3.1.
So, what’s this great AE solution that’s
going to make Auto Enrolment and
your payroll as simple and pain free as
possible? Turn the page and we’ll tell you
all about it!
It doesn’t matter whether you pay your
staff monthly or weekly, or whether you
have lots of temporary or casual staff
joining and leaving your payroll on a
regular basis. They’ll turn it round fast and
get it right first time.
And if you want to talk to our Payroll
Angels, they’re there for you at the
end of the phone. They’re real people
in a friendly team – they don’t hide
behind soulless corporate telephone
switchboards.
Our Payroll Angels understand the importance of always
getting your payroll absolutely right – and they really do
care about it.
THP Payeroll

Option 1 - THP Payeroll
“Our Auto Enrolment Payroll solution isn’t just special – it’s
unique. When we talked to 50 other accountants, we found
92% of them didn’t even OFFER an AE administration
service! Ours is purpose-built for small and medium sized
businesses, and it’ll make your payroll run like clockwork,
giving you peace of mind and saving you money and hassle –
month in, month out!” JACK HILL, THP PAYROLL ANGEL

Most traditional payroll software packages
simply can’t compete with it. That’s
because they were designed to use
something called ‘middleware’ to make
them work for Auto Enrolment.
‘Middleware’ is a clunky and burdensome
way of handling AE, and it often means
spending hours exporting data from one
system before importing it into another –
and back again.
1.4
Our special Cloud solution is so
much better because it doesn’t
need ‘middleware’. Instead,
it has been designed to do every task a
modern AE-compliant payroll needs to do
in a fully integrated way. The THP Angels
simply feed in data about your employees,
such as gross pay, salary sacrifices,
overtime and benefits in kind – and the
system takes care of the rest.
And that’s a lot of things to take care of! It
automatically calculates and sends all the
data the taxman needs to HMRC, works
out the pension deductions and sends
every other scrap of information your
pension provider requires.
In one go.
And, by using our simple-to-use cloud
portal, your employees can access all the
information they need about their pay,
pension and payslips.
Trust all these functions to ‘middleware’
and you’ll waste time and money
calculating figures for your pensions
people and exporting data from one
system to another. This means there is a
much greater chance of errors. Turn the
page to learn how to avoid this.
The beating heart of our AE Payroll Solution is brilliant
new Cloud software that has been built specifically to
handle Auto Enrolment. Because none of the existing
payroll systems we researched offered all the functions
we required, we worked with a specialist cloud software
company to help develop one that did.
THP Payeroll

As you can see, all you have to do
is provide us with data about your
employees, their pay and when they
need paying. We do the rest with the
help of our specialist AE and payroll
software – whether it’s getting the right
data to your pension provider, making
sure the taxman has the information he
needs, or providing electronic payslips
to your employees and updating their
personal Cloud portal.
1.5
EMPLOYEE
PAYMENT DATA
Timesheets
Gross Pay
Salary Sacrifice
Benefits in Kind
Other Data
PENSION
PROVIDER
Contribution File
Enrolment Report
Required Data
Output
HMRC
Data Compliance
Checks
Payroll Audit Reports
Auto Tax Code
Updates
EMPLOYEE &
EMPLOYER
Payslips
AE Letters
Opt in/opt out
Various Reports
THP’S PAYEROLL
AND AUTO
ENROLMENT
SOLUTION
How our system solves your AE Payroll obligations –
so you don’t have to.
You provide us with this information
The THP Angels take care of all this for you
THP Payeroll

1.6
Accessible from any internet enabled device a X
Cloud based, so no need to install on multiple PCs a X
Instant updates and upgrades at no extra cost a X
Backed up automatically and securely a X
Provides an online portal for employees a X
Automatic electronic payslips, cutting admin a X
No complex middleware modules to make it AE compliant a X
Flexible user licensing on an as needed basis a X
THP PAYEROLL
SOLUTION
TRADITIONAL
PAYROLL
SOFTWARE
Now that Cloud software is much more secure and trusted
than before, businesses are fast switching to it to cut costs
and allow their employees to work on the move. Many
payroll software programs have failed to keep up with
the times. Not only are there very few platforms out there
capable of fully integrating AE, the fact that you have to
host popular payroll packages on your own servers and PCs
is like stepping back in time. Just take a look at the benefits
of switching to THP’s Cloud AE solution compared to you
using more traditional payroll software!
THP Payeroll
You too can benefit by saving time and money on maintaining and processing by
moving your payroll needs to us.

INTEGRATED (THP)
1
Run payroll & Assessment at same time
2
Generate Communications
3
Send data to pension company
MIDDLEWARE
1
Run payroll
2
Export payroll data
3
Send to middleware / IFA
4
AE Assessments run
5
Import data into payroll
6
Generate communications
7
AE Information sent back
8
Delay
9
Run payroll second time
10
Send data to pension company
Impossible for weekly payrolls and very
complex for monthly payrolls
1.7
Your employees use our special Cloud software to
access all their AE related correspondence and payslips.
It works with any internet-enabled device and means
you don’t need to spend valuable time sending them
official documents. Take a look at what they’ll see.
And now see how our specialist Cloud software stacks
up against clunky AE middleware!
INTEGRATED AUTO ENROLMENT VERSUS MIDDLEWARE
A TIP FROM THE ANGELS WHEN WE TALKED TO OTHER
ACCOUNTANTS, MOST DIDN’T OFFER SPECIALIST AE
SOFTWARE – MEANING EXTRA EXPENSE FOR THEIR
CLIENTS. AND 96% WOULDN’T TAKE ON PAYROLL-ONLY
CLIENTS AT ALL – THP IS VERY HAPPY TO!
THP Payeroll

A FREE CONSULTATION – to make sure our service is right for you.
HELP SOURCING A COMPLIANT PENSION SCHEME – using our trusted
IFA who specialise in AE.
ADVICE ON USING SALARY SACRIFICE/EXCHANGE – using salary
exchange to fund pension payments can save you and your
employees a fortune. We look at this as part of our assessment.
HELP DECIDING WHICH AE PENSION CALCULATION METHOD TO
CHOOSE – employers have the option to choose from “banded
earnings” or “qualifying earnings” – we’ll help you decide which
is best for you.
FULL PAYROLL AND AE PROCESSING – we’ll get the ever-changing
details of your workforce to your pension provider on time,
every time.
A CLOUD-BASED PERSONAL PORTAL – so your team can access their
pay and pensions data and all legal AE correspondence.
A GUARANTEE YOU WILL ALWAYS BE AE COMPLIANT – no matter
how often you pay your workforce and how many changes need
to be made.
1.8
SOLVE YOUR AUTO ENROLMENT WORRIES TODAY CALL THE ANGELS ON 0800 6520 025, VISIT
www.thp.co.uk/angels OR COMPLETE AND RETURN THE TEAR OFF PREPAID POSTCARD ON THE
LAST PAGE FOR A FREE NO-OBLIGATION CHAT.
But what else does our service give you? This is the simple,
effective way we make it work for you.
THP Payeroll

Option 2 - THP Bespoke
“Hello. I’m Laurence, an Independent Financial Adviser who
specialises in Auto Enrolment. I work with the THP Angels to
make sure you have the best possible AE compliant pension
plan in place for your business and your people.”
LAURENCE SANDERSON, STERLING & LAW

DON’T LEAVE FINDING A PENSION PLAN TO THE LAST MINUTE. CALL THE ANGELS ON
0800 6520 025, OR VISIT www.thp.co.uk/angels OR COMPLETE AND RETURN THE TEAR OFF
PREPAID POSTCARD ON THE LAST PAGE TO ARRANGE A FREE NO-OBLIGATION CHAT.
2.2
Even if you take the hassle out of Auto
Enrolment with THP’s AE Payroll solution,
you’ll still need to get your pension
scheme sorted out long before your
Staging Date.
As hundreds of thousands of small and
medium-sized businesses reach the day
when AE has to be in place, they’ll all be
scrabbling around to find a qualifying
pension scheme.
And once the best pension providers
have closed their doors, the remaining
ones will start charging big premiums,
pushing your bills sky high.
So instead of paying over the odds, we
can help you find the best and most
cost effective pension scheme for your
business – but only if you act now.
Contact THP and they will book a first
consultation with me completely free of
charge.
I’ll talk to you about your business and
learn more about your workforce. And
because I’m completely independent, I
can research the market and find the best
pension plan for your needs.
I’ll also make sure your scheme is flexible
and future-proof and that it gives your
current and future staff an incentive to
stay with you.
But I won’t leave it there. Every year we
can meet up to make sure your scheme
is still meeting your needs. If it isn’t, we
can work together to refine it or replace
it – making sure that it still works well
for you, for your staff and integrates with
your accountant’s AE Payroll systems.
“If you don’t have an AE qualifying pension scheme in place
or don’t know whether you do or not, don’t worry. I can
help you. But you’ll need to be quick – the best and most
cost effective ones will not be available for much longer!”
It’s time to get ahead of the competition…
THP Bespoke
OUR AE INDEPENDANT FINANCIAL ADVISERS

Option 3 - Go it alone
“Hi. I’m Sam. I spent hundreds of hours making sure that
THP was ready for Auto Enrolment before our Staging Date.
I used all this experience to help create our specialist AE
Payroll Solution, which is there to save you time, hassle and
money. But if you do decide to go it alone, l’ll do my best to
help you.” SAM ROWE, THP AE SPECIALIST

Going it alone… Make sure you know what you’re
letting yourself in for.
3.2
At THP, we’ve already Auto Enrolled –
that’s because we have over 50 people
working with us, so our Staging Date was
quite early.
It was my responsibility to make sure that
we were ready in time, and there was no
way I was going to put us in a position
where we paid hefty fines for being late!
I had to learn everything as I went along,
and it wasn’t easy. Some nights I was up
until the early hours, just to keep on top
of things. Research shows that it takes
an average of 103 staff days to get ready
for Auto Enrolment. I think that’s been
underestimated!
To save other businesses having to go
through our agony, I helped to create
our specialist AE Payroll Solution (see
page 1.1). But if you do decide to go it
alone, this is my quick guide to making
AE a success. Turn the page to see how
to do it.
Even with my best laid plans, we were
let down after many reassurances by
our existing scheme provider. With just
2 months to go, we were told that our
stakeholder scheme didn’t qualify for AE.
I knew there had to be an easier way.
Go it alone

1. CONFIRM YOUR STAGING DATE This is
the day the law states you must have all
your Auto Enrolment systems in place. It
is worked out according to your number
of employees and your PAYE reference
number. Visit The Pensions Regulator
website at www.thepensionsregulator.gov.
uk to find out when it is, or give me a
call today.
2. REGISTER WITH THE PENSIONS
REGULATOR You need to nominate a
decision maker in your company. You also
have the option of registering another
person who will be dealing direct with
your AE. They will receive notifications
from the TPR.
3. ASSESS YOUR WORKFORCE This is
complex. You need to find out how your
employees will be classified under the
complicated new system. Are they
classed as ‘eligible jobholders’, ‘non-
eligible jobholders’ or ‘entitled workers’?
It’s not an easy task – you’ll need to
know for sure where agency workers,
volunteers or personal service workers fit
in. And if you get it wrong, it can be a very
expensive mistake.
4. DECIDE WHETHER TO USE SALARY
EXCHANGE AND WHICH AE CALCULATION
METHOD TO CHOOSE Getting these two
important decisions wrong could cost you
and your employees dearly. It’s important
that you research the best calculation
method based upon your workforce
profile and how your employees pay is
made up. If your payroll software can
correctly handle salary exchange then
you will probably also be able to cut your
pension costs substantially – whilst also
saving money for your employees.
5. CHOOSE A PENSION If you’re not a
pensions expert, this can be a daunting
choice. You must have a qualifying
scheme in place, the longer you leave it
the harder it will be to get a good one at a
good price. Even we ran into trouble here
– our pension scheme told us very late in
the day that they were NOT going to make
it AE compliant. Only with the eleventh-
hour help of Laurence did we avoid
landing in very hot water. That shows you
how easy it is to get it wrong if you trust
things to pensions companies!
3.3
Go it alone

6. INTEGRATE YOUR PAYROLL If you have
an in-house payroll system, it’s highly
unlikely that it will be able to cope with AE
as it is now. If your accountant does your
payroll, we’ve discovered that most can
only handle AE with bolt-on middleware
– which means more admin and cost for
them and you. Your best bet is to opt for
an integrated, replacement payroll and AE
system, like the one we now use for all our
payroll clients.
7. ONGOING ASSESSMENT When you’ve
done the preliminary work and have
all your Auto Enrolment systems set
up, then you have to submit workforce
assessments each time you run your
payroll. If your software can’t handle
this, you’ll waste hours compiling data
manually. The more employees you have
the more expensive and time consuming
this will be.
3.4
THE CENTRE FOR ECONOMICS AND BUSINESS RESEARCH FOUND THAT COMPANIES TOOK AN
AVERAGE OF 103 STAFF DAYS AND SPENT UP TO £22,300 GETTING READY FOR AUTO ENROLMENT.
IS THAT A COMMITMENT YOU CAN REALLY AFFORD?
Perhaps the worst thing about going it
alone when you Auto Enrol is that you’re
truly on your own. It’s an expensive,
admin-heavy process, and when things go
wrong you have few people to turn to.
If you choose this route, good luck! But if
you do decide it’s too much, I guarantee
you’ll save both time and money if you put
AE and your payroll in the hands of our
THP Angels!
8. DECLARATION OF COMPLIANCE You
have 5 months after your staging date to
complete your declaration of compliance
and submit it to the Pension Regulator.
Go it alone

Got any questions?
4.1
1. I’VE GOT AGES BEFORE I NEED TO
SORT OUT AE - MY STAGING DATE ISN’T UNTIL
NEXT YEAR... Ideally you need at least a
year to 18 months to get ready for AE. The
later you leave it, the more likely it is that
problems will occur – meaning you not
only risk heavy fines for not complying,
but your choice of compliant pensions
will dry up.
2. CAN I USE MY CURRENT EMPLOYEE
PENSION SCHEME FOR AE? Possibly but
unlikely. You will need to check whether
it is AE compliant and most are not. It’s
much better to talk to a specialist like
Laurence now, to make sure you have the
best scheme in place for your business.
3. I ONLY HAVE ONE PERSON ON MY PAYROLL
You will almost certainly have to Auto
Enrol them. The systems still have to be in
place. There’s no avoiding it.
4. MY EMPLOYEES ALL INTEND TO OPT OUT
OF THE AUTO ENROLMENT SCHEME. DO I
HAVE TO AUTO ENROL THEM? Yes, you have
to enrol them before they can opt out.
That means you still have to have all the
systems in place.
You also need to keep a pension scheme
in place in case they decide to opt in at a
future date. It is also a criminal offence
to influence an employee to opt out in
any way.
5. I WANT TO CARRY ON USING MY NORMAL
PAYROLL SOFTWARE You can, but you will
be storing up trouble for yourself if it relies
on middleware to make it work. It will
take much longer and these middleware
systems are much more prone to human
error. Our solution is one of the few that’s
specially designed for AE – cutting hassle,
costs and red tape.
6. SURELY IT’S A COSTLY HASSLE TO GET
MY EMPLOYEE DATA IN YOUR NEW SYSTEM?
No. We take care of all of that for you and
make it as painless as possible. You will
save much more in the long run if you are
using a faster and more efficient system.
7. OKAY, I’D LIKE TO FIND OUT MORE ABOUT
THP’S PAYROLL AND AE SERVICE. WHAT DO
I DO? Call the Angels on 0800 6520 025, or
visit www.thp.co.uk/angels or complete
and return the tear off prepaid postcard
opposite for a free no-obligation chat.

Use this form to tell us how we can help!
Yes please! I’d like to arrange a free no obligation chat to talk about (please circle):
THP Payeroll Solution THP Bespoke Solution
Name
Address
Telephone Email
So, those are the three ways to
tackle Auto Enrolment.
What’s your verdict? Will you save time and money with the THP Angels?
Or will you go it alone?
Next steps…
1) Call the THP Angels today on 0800 6520 025
2) Fill in our form at www.thp.co.uk/angels
3) Complete the FREEPOST card below, tear it off and put it
in the post.
We’re looking forward to hearing from you.

THP Wanstead
34 - 40 High Street
Wanstead
LONDON
E11 2RJ
Business Reply
Licence Number
RLUG-CUXY-LTSY

This publication is for guidance only, before implementing any changes that might affect
your financial affairs, we recommend that you seek professional advice.
THP is the trading name of THP Limited registered in England & Wales, No. 04664338,
VAT number 249110185.
Our registered office is 34-40 High Street, Wanstead, London, E11 2RJ.

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