Sign In to BCF

Request Access?

Administration Office
0151 448 5423

Employers Zone > Workplace Pension Reform

Automatic Enrolment

Under Automatic Enrolment the UK government has introduced legal obligations that affect almost all employers . As an employer you have a vital role to play in helping your workers save for later life.

What are my workplace pension scheme duties?


These duties mean you may need to enrol some or all of your workers into a pension scheme that meets certain legal standards, known as a qualifying scheme. You may also need to make contributions into their pension pot.   

Which workers will I need to enrol?

Under the new legislation, you will need to:
- Automatically enrol and pay minimum contributions for any workers aged at least 22 but under State Pension age, and who earn more than £10,000* in a year
- Enrol and pay minimum contributions for any workers at least 16 but under 75 who earn from £6,136* to £10,000* in a year and who ask to be enrolled

You also need to enrol any workers aged at least 16 but under 75 who earn less than £6,136 and who ask you to enrol them. However, you don't need to pay contributions for these workers if you don’t want to.

*These figures apply to the 2019/20 tax year, and will be reviewed every year by the government.

How much will I need to contribute?

If you choose a Defined Contribution (DC) scheme such as the BCF scheme as your qualifying scheme, the minimum contributions you must pay are based on a band of workers' earnings known as qualifying earnings.

'Qualifying earnings' means total earnings for each of your workers (including bonuses, overtime and benefits) between £6,136 and £50,000*. You need to contribute a minimum of 3 per cent of qualifying earnings.

* These figures apply to the 2019/20 tax year, and will be reviewed every year by the government.
Apply Online > Complete our online form

Register for Updates