The document discusses how the Pensions Regulator is addressing the challenge of automatic enrollment of workplace pensions in the UK. Some key points: - Over 6 million workers and 110,000 employers have complied with automatic enrollment duties so far. Around 400,000 more employers will enroll between April and December 2016. - The Regulator provides guidance, tools, videos and case studies to help employers comply. It has also sent over 4 million letters and 3.7 million emails to educate employers about their duties. - Awareness of automatic enrollment remains high, around 90% for small/micro employers. Understanding has increased significantly. - The Regulator asks employers to nominate contacts to receive information,

1. Henry Tapper
Pension PlayPen and First Actuarial
With thanks to
Charles Counsell, The Pensions Regulator, Executive Director
Auto-enrolment
Paying attention to the pension
1

2. Success so far
Providing a workplace pension is becoming the norm in
the UK
• 6.14 million workers have been put into a workplace pension
• 110,103 employers have completed their AE duties
• Approximately 400,000 employers to stage between April and December 2016

3. How the Regulator is addressing the challenge:
Duties checker

4. How is the Regulator addressing the challenge:
Guidance
• Step by step guide, customised to different audiences
• Choose a scheme page includes a list of MTs, soon to be extended to include GPPs
• Guidance on costs employers are experiencing
• Basic Assessment Tools
• Videos
• Case studies
• Compliance and enforcement bulletin
• Declaration of compliance checklist

5. How is the Regulator addressing the challenge:
Advertising

6. In 2015-16...
• 1.5m letters dispatched
• 900k e-mails dispatched
In 2016-17...
• Over 4m letters
• 3.7m e-mails
How the Regulator is addressing the challenge:
Direct mail
0
100000
200000
300000
400000
500000
600000
700000
800000
900000
1000000
Emails
Whitemail
12 month Employer
Communications Dispatch Profile

7. How the Regulator is addressing the challenge:
Business Advisers
Adviser pages on tPR’s website

8. 8
Awareness
• The latest research into employers’ and intermediaries’ awareness of automatic
enrolment shows that 79% of employers remember seeing or hearing at least one
of the campaign adverts while intermediaries who have seen the adverts found
them relevant and memorable.
• Awareness of automatic enrolment remained similar to spring 2015 among small
and micro employers (90% and 78%) while understanding increased significantly
(68% among small employers, 56% among micros).
• Around a quarter of employers (24%) spontaneously recalled the key message
that “all employers need to comply”.
• Campaign recall levels amongst intermediaries were between 90-94%.
• 91% of bookkeepers recalled the advert, a significant increase from 82% the year
before.
• Knowledge of the need for employers to complete a declaration of compliance
with The Pensions Regulator increased significantly, from 79% to 94% amongst
independent financial advisers (IFAs) and from 60% to 84% among accountants.

9. 9
Nominations
• TPR asks employers to nominate a contact who we should send letters and emails
to. An ‘employer contact’ should be the business owner/most senior person and an
‘additional contact’ to receive our task specific emails.
• Nomination is important as it enables tPR to target communications at those
completing the AE activities as well as those with overall responsibility for meeting
the AE duties.
• Nomination serves a dual purpose in gaining early engagement from the employer
and has proved to be a direct indicator of future compliance.
• Nomination rates show that February 16 is very similar to January 16 and that both
are more advanced than Pathfinder.
• March & April 16 are also displaying similar levels as they approach their respective
staging dates.

10. 10
Not all pensions work so well

11. 11 AE measures of support 2016
Average scores for provider support services
Currently The People’s Pension provide the best user experience, scoring 7.3 to Legal and General’s 6 with
NEST and NOW lagging.The spread of scores suggest that support matters to intermediaries and the
comments received about each provider suggests that good and bad support provokes some passion.
We intend to monitor changes in these scores through future surveys asking the same questions.
Overallsupportscore
7.3
6.0
5.3
4.5
10
Fig 8
Not all workplace pensions are the same

12. Pay attention to the pension
Our message to business advisers
1. Your practice is at risk
2. Your clients are at risk
3. Their staff are at risk
From poor pensions due diligence
www.pensionplaypen.com
The most you will pay
for our advice is £199 + VAT

13. Thousands of employers have!

15. Pension-attention is Good for Sex!!
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Younger than 60 60-69 70-79 80+ All Ages
Had sexual activity in the past year
0-1 Correct Answers 2-3 Correct Answers 4-5 Correct Answers