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Employment United Kingdom For businesses

Workplace Pension Auto-Enrolment Compliance Check

Find out if your business is meeting its workplace pension auto-enrolment duties under The Pensions Act 2008.

Start free check 11 questions · 7 minutes · No signup
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Did you know? The numbers behind this check.

  • 3% of qualifying earningsMinimum employer contribution
  • Every 3 yearsRe-enrolment cycle
  • Up to £10,000Daily fine (persistent breach)
  • 100,000+TPR enforcement notices issued

Why this matters.

The Pensions Act 2008 requires every employer to automatically enrol eligible workers into a qualifying workplace pension scheme and make minimum contributions towards it. From April 2019, minimum contributions are 3% employer and 5% employee on qualifying earnings. The Pensions Regulator (TPR) has issued over 100,000 enforcement notices and fined thousands of businesses for non-compliance — including those with just one eligible employee. Fines start at £400 for a first fixed penalty and can reach £10,000 per day for persistent breaches.

Compliance is not a one-off exercise. Employers must re-enrol all eligible staff every three years, process opt-outs correctly without encouraging them, keep detailed records for at least six years, and file a declaration of compliance with TPR. The Pension Schemes Act 2021 strengthened enforcement powers further, including provisions that allow TPR to pursue directors personally for deliberate non-compliance. Getting auto-enrolment right protects your staff’s retirement savings and shields your business from enforcement action and backdated contribution claims.

Have these to hand.

  • A list of all workers, including their ages and whether they are part-time or variable hours
  • Current payroll figures showing gross earnings for each worker
  • Your auto-enrolment duties start date (staging date) from The Pensions Regulator
  • Details of your current workplace pension scheme provider, if set up
  • Date of your most recent re-enrolment assessment, if applicable

What you’ll get.

  • 1A score out of 100Where you stand today, at a glance.
  • 2Findings ranked by riskWhat could cost you, highest risk first.
  • 3A plan with timeframesWhat to fix first and by when.

Use this free tool to find out whether your business is meeting all its workplace pension auto-enrolment duties — from initial enrolment and contributions to re-enrolment cycles and record-keeping — with a personalised action plan to fix any gaps.

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General guidance only, not legal advice. Consult a qualified solicitor or adviser in your jurisdiction for specific issues.