As part of auto enrolment legislation, the minimum contributions for qualifying schemes are increasing on 6th April 2019. This article contains information about the changes, and resources we’ve created to help you explain these to your employees. 

The table below shows the minimum contributions employers must pay under the qualifying earnings basis and the dates by which they must come into effect.  

How will this affect you?

This may affect you in different ways, depending on which contributions you and your employees are currently paying.

Smart Pension will automatically adjust your contributions and those of your employees in line with the figures in the table above.
It remains your responsibility as the employer to check that this increase has been correctly applied to your workplace pension scheme. Please note that if the end date of the payroll period is on or after 6th April 2019 the new rates will be applied for the whole period.

This also includes notifying the payroll provider, and deducting and paying across the correct contributions. 

What happens if you pay a different level of contributions to the current minimum? 

If your pension scheme pays a different level of contributions to the current minimum level, you will be affected differently. To understand how, please read our FAQs guide.

How can you communicate these changes to your employees? 

As your chosen pension provider, we want to ensure that we’re doing everything we can to support you. That’s why we’ve created a range of materials to help you communicate these changes to your employees in our engagement toolkit.

Please note:
you will need to download the toolkit to be able to use the range of communication materials. If you are unable to view this for any reason, the 4 key resources are:

What else do I need to know?

We recommend that you check with your payroll provider to ensure that everything is in place to manage these contribution changes before the 6th April 2019.

For more information about the planned changes, visit The Pensions Regulator’s website.


  • It is illegal to encourage employees to opt out or cease membership

  • If you do not make the changes, or fail to pay across the correct contributions in the required timescale, we may be required to notify both The Pensions Regulator and your affected employees. This could result in The Pensions Regulator taking regulatory action which could include a fine.

If you have any questions, please don’t hesitate to contact our employer support team at

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