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Whatever your circumstances, we have a package to suit you and your business. Click the button below to see which benefits are included in each package and start your FSB journey.
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We offer three packages to suit your business needs. Joining FSB Connect is free, our Business Essentials package starts at £172.50 in the first year and our specialist Business Creation package has a fixed price of £129.
All employers have to enrol eligible employees into a pension scheme by April 2017.
This might sound like a daunting task, and you might be unsure as to what process to follow. We aim to help by explaining how you can sign up your employees to a workplace pension scheme, and how we can help with the process.
The process for signing up employees is often called auto enrolment. This became a law in October 2012 and requires employers to make a pension provision, which is available to employees that meet the appropriate requirements. These are:
Employees falling within these requirements should be enrolled into a pension scheme. However, the deadline for enrolment varies depending on the size of a business.
Businesses have specific deadlines. These are referred to as staging dates.
The deadline for each business to have set up auto enrolment varies depending on the number of employees and PAYE reference.
This deadline can be worked out via the Pension Regulator’s website. It requires you to use HR records to state how many employees you had on 1 April 2012 and also your business’s PAYE reference.
It is your duty as an employer to ensure you have your staff enrolled by the staging date.
Please note that employers who don’t utilise a PAYE system have a staging date of April 1 2017.
Once you have your staging date it’s important to put all your pension provisions in place before that date.
This involves making several decisions and covers a number of areas, including:
Due to auto enrolment being a legal requirement, the penalty for failing to meet your staging date can be severe.
The Pensions Regulator can issue a range of penalties to a business. The first is a fixed penalty notice, which comes with a £400 fine.
From there, penalties can move to more severe fines depending on the number of staff you employ. An escalating penalty is charged per day, costing anywhere from £50 to up to £10,000.
The regulator also has access to a similar penalty, called a Prohibited Recruitment Conduct Penalty Notice. Again, this can increase depending on a business, based on the number of employees it has, ranging from £1000 to £5000.
If a business is found not paying the right contribution to staff, an alternative penalty that can be issued is a civil penalty. Targeted at businesses and business owners, this can involve individual fines of £5000 to fines of up to £50,000, which are aimed at the company.
Auto enrolment can feel like a minefield, with lots of areas to navigate, deadlines to meet and decisions to make. To help, FSB members have exclusive access to our Workplace Pensions service. This is a specially designed service that provides businesses with a fully compliant pension scheme that’s quick and simple to set up.
The service features:
To find out more about auto enrolment or how FSB can help you with your pension scheme, get in touch with a member of our team or visit our FSB Workplace Pensions page.
With expert advice and guidance from a leading provider, it's one of the most popular FSB Member Benefits.