t: 0141 221 4442


The Government is encouraging all workers to save for their retirement, in as easy a way as possible. As a result, the requirements for employers to provide – and contribute to pensions for their employees are increasing.

Since 2012 some employers, starting with the largest, have been duty-bound to enrol their eligible workers into a workplace pension, unless they are already in a scheme which meets the Government's requirements for eligibility and contribution levels. These requirements now extend to virtually all employers.

In general, to be eligible, workers must be:

• At least 22 years old;
• Below state pension age;
• Earning more than a minimum amount each year; and
• Work, or ordinarily work, in the UK (under their contract).

The employer must make all the arrangements and the individual need do nothing to be put into the scheme, hence the term auto-enrolment.

Employers must pay a minimum contribution into the pension scheme for their eligible workers, although employees may also be required to contribute. Employers may also pay more than the minimum requirement, or allow their employees to do so.

For many smaller employers, setting up a scheme and ensuring that it meets the requirements, represents an enormous administrative burden. We can assist with all aspects of setting up suitable schemes and ensuring that both business owners and their staff receive full information and advice on their requirements, options and benefits.

Derek Rush, our Corporate Client Manager, can help you through your Auto Enrolment Journey.

Derek has worked with clients ranging from a handful of employees to larger, complex companies with complex requirements. He has ensured that transitional and complicated journeys - from pre staging date (when pension duties begin) to collecting and investing pension contributions - were made with minimum worry and minimum hassle from the clients’ perspectives.

We will ensure that your auto enrolment duties are dealt with from an early stage, by offering client visits and technical support. We can then look after your pension duties and responsibilities beyond your staging date, ensuring that you are in the best hands for your auto enrolment journey .

How we take the whole burden of pensions auto enrolment off your shoulders

Auto enrolment is a headache for most employers.

Failure to comply with the complex and laborious duties imposed by the legislation can mean daily employer fines. We can help you to navigate your way through the legislation and avoid the risk of a hefty fine.

We have chosen a number of trusted auto enrolment solutions, which can take care of the entire process for you.

One of our preferred providers is Smart Pension, Chosen because they provide a pioneering online solution that means we can support you on your online platform during your AE processes.

Smart Pension

Smart Pension is a workplace pension tailored specifically for UK businesses.

It takes expertise in investment management, technology and regulation, and blends them all together.

Their regulated investment professionals have managed billions of pounds, while their technical team has helped grow some of the world's biggest online companies.

They use top of the range technology to make meeting your obligations, on any device, lightning quick.

Thanks to their one-of-a-kind online platform, designed specifically for auto-enrolment in the UK, ongoing management of your scheme is easy too.

Of course, client peace of mind is their top priority. That's why their 100%-encrypted site has more security features than any other UK provider.

There are no "Big Bank" overheads, they don't charge any upfront fees, and there are no needless hoops for you to jump through.

On top of that, the solution is great value for employees and the standard service doesn't cost companies a penny.

Pension auto enrolment for UK companies is all that Smart Pension do, so you can trust that they will get things right.

Next steps

Please contact us for more information and to sign up for this service

Knowledge Centre


Meet Our Team

Independent Advisers (Scotland) Ltd
Independent Advisers (Scotland) Limited is registered in Scotland
Registration No. SC252740

Registered office: 81 St Vincent Street 2nd Floor, Glasgow, G2 5TF
Tel: 0141 221 4442
Email: enquiries@iascotland.com

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