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 includes a set of resources we’ve put together to help you communicate these to your clients.

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 your clients?

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

Smart Pension will automatically adjust your clients' contributions and those of their employees in line with the figures in the table above.

It remains your clients’ responsibility as the employer to check that this increase has been correctly applied to their 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 your clients pay a different level to the current minimum? 

If your clients pay a different level of contributions to that of the minimum, they will be affected differently. To understand how, please read our FAQs guide.

How can you communicate these changes to your clients’ employees?

As your clients’ chosen pension provider, we want to ensure that we’re doing everything we can to support both you and them. That’s why we’ve created a range of materials to help you communicate these changes to your clients’ 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 3 key resources are: 

What else do I need to know?

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

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

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