Auto enrolment means that all employers across the UK must enrol qualifying staff (see Who? below) into a pension scheme and pay into it.

Whether you employ one person, hundreds, or thousands you need to know the When? Who? How? and CLiP IT are here Help!

Your obligations will depend on your company and employee circumstances. Find out more with this Duties Checker from the Pensions Regulator.

Remember: The 'auto' in auto enrolment refers to employees. It will not just happen for employers; you MUST take action.

Quite simply, auto enrolment applies for any employee who is:

• Aged between 22 and retirement age
• Earning £10,000 or more
• Working in the UK

Remember: If you have employees who earn a variable salary, auto enrolment applies in the first payroll that they exceed the pro-rated limit i.e. £192 per week or £833 per month.

Once you find out when and who, you need to find the right pension provider for your company’s needs. CLiP IT’s Construction Industry Accounts (CIA) software is compatible with a number of respected providers. When choosing your provider, it is worthwhile considering:

• Does the scheme meet your minimum requirements?
• Is there a default investment arrangement? Similarly, are there other investment choices to meet any ethical or practical needs?
• Does the scheme suit your company size and employee requirements? i.e. Are there minimum staff numbers, or do you require multi-lingual communications?
• Does it suit your tax relief preferences?
• Will it work with your payroll system?

Remember: CIA software supports the following pension providers:

• Aegon
• Aviva
• Legal and General
• Peoples Pension
• NEST
• NOW
• Royal London
• Scottish Life
• Scottish Widows
• Standard Life
• Well Plan