Auto Enrolment

Avoid costly compliance mistakes. We help you review and manage your pension scheme so it continues to protect your members and your business.

Auto Enrolment

Setting up a qualifying pension scheme is only the first step. We regularly see unintentional breaches that can harm members and land employers with fines. Its important that you review your scheme and ensure that it continues to delivery good outcomes to members.

Common pitfalls include:

Payroll setup errors – There’s more than one way to apply tax relief and contributions; are you using the right method?
Incorrect pensionable salary calculations – Is your configuration accurate?
Missing eligible staff – Are you capturing employees who reach the age or earnings threshold after your initial setup?
Overlooking ongoing duties – Your online declaration is done, but have you completed your annual certificate of compliance?
Outdated statutory letters – Is your new-hire pension letter current and issued within the legal timescales?
Forgetting re-enrolment – Do you know when your next re-enrolment date is?
Weak record-keeping – Would your records stand up to scrutiny from The Pensions Regulator?

Where we can help

Provide Annual Pension Scheme Governance

Review your Default Fund

Review your existing pension scheme and benchmark this against alternative pension providers, switch to a new provider where required

Set up a new pension scheme

Set Up Salary Exchange

Employee Financial Education

Employees can often struggle to understand some aspects of financial issues that relate to them and often fail to understand the various benefits on offer in the workplace. Group pension presentations are a great way to provide your staff with more information on their pension. One to One meetings can also be effective for staff to understand more about their own circumstances, with individual projections, cashflow modelling and answering any personal questions about retirement planning.

Salary Exchange

Did you know you can save money on National Insurance (NI) contributions for both your company and your employees by switching your pension scheme to a Salary Exchange.

Here’s how it works and why it benefits you and your employees:

Key Benefits for Employers

- Reduce Employer National Insurance (NI): By reducing your employees’ salaries through salary exchange, you lower your employer NI contributions.
- Cost Savings: The savings on employer NI can be significant, helping to reduce your overall business expenses, these savings can either be used to increase the employee contributions if you choose not to benefit directly from the switch, or can be used for ongoing pension governance and financial education for your staff, through initiatives such as presentations and one-to-one meetings.
- Attract and Retain Talent: Offering a salary exchange pension scheme can be an attractive benefit to current and potential employees, improving employee retention.

Key Benefits for Employees:

Higher Pension Contributions: The employee can use the saving in National Insurance to Increase their pension contributions.
National Insurance Savings: Employees pay less National Insurance, increasing their take-home pay.
Tax Advantages: Employees benefit from tax relief on their pension contributions, boosting their retirement savings.

The example below highlights how much National Insurance can be saved by introducing salary exchange, The savings are per annum.

Number of pension scheme members	50	100	500
Total yearly salary payment before exchange	£1,500,000	£3,000,000	£15,000,000
Total salary exchanged by employees (5%)	£75,000	£150,000	£750,000
Employer NIC rate (2025/26)	x 15%
Employers annual NIC saving^*	£11,250	£22,500	£112,500

*Figures are based on an average salary of £30,000 per employee, each exchanging 5% of their salary for a pension contribution. Employer yearly savings are the NI contributions that would be paid without salary exchange in place.

Our Services

Comprehensive Benefit Solutions Tailored to Your Business Needs

Client Testimonials

"Attis EB took the time to understand our business and delivered a benefits package that genuinely supports our people. We've seen a noticeable improvement in staff engagement since implementation."

Rachel Moore, HR Director, Fieldstone Logistics

“The team at Attis were incredibly knowledgeable and supportive throughout our pension review. They made a complex process simple and gave us confidence we’re doing right by our employees.”

James Patel, Managing Director, CoreTech Solutions

“Switching to Attis for our healthcare and group risk cover was the best decision we made. The level of service, advice, and value for money has been outstanding.”