Whether you're interested in the smaller business community, are planning to start a business or have an existing business, we have a package for you.
Our most popular package is FSB Business Essentials which includes a whole range of benefits and products designed to make your business fly
A suite of legal benefits including a dedicated helpline, bundled insurance products and a range of online information to keep your business safe. Plus a whole range of negotiated benefits to help save you money and win business.
Our Business Creation package is designed to make starting a business simpler, allowing you time to focus on what's important - making it a success.
Specialist company formation benefits, access to FSB networking, business banking and a range of products to help get you setup in business.
Joining FSB Connect is free and is a great way to be part of the FSB Community and have your voice heard.
You'll be able to access specialist networking events with like-minded members of the community and have your say in our Big Voice survey panel.
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 represent a diverse range of businesses from retailers to marketing agencies and just about everything in between. Take a look at more member stories and see how we could help your business fly.
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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.
Workplace pension schemes are now something that employers will have to provide to their eligible staff, but the costs of doing so may seem unclear. To help you understand the costs associated with workplace pension schemes we’ve put together a list of the areas you should consider.
Workplace pension contributions are calculated based on ‘qualifying earnings’, and pension contributions are calculated before national insurance and income tax are subtracted from your pay.
The first £5,876 of pay isn’t eligible for pension contributions. So, if a staff member’s salary before tax is £15,000, their qualifying earnings will be £15,000 minus £5,824, meaning the contribution will be a percentage of £9,124.
During the rolling out period of the scheme, the total percentage of staff contributions will change over time. Before 6th April 2018, they will contribute 0.8%. Between 6th April 2018 and 6th April 2019, they will contribute 2.4%. After that date, the contributions will be 4% of pre-tax salary.
So, on a £15,000 salary, the staff member’s contributions over time would be £72.99, £220.22, and £367.04 annually.
The additional benefit for employees saving into a workplace pension is that tax relief will be added to their contributions by the Government , scaling from 0.2%, to 0.6%, before staying at 1% starting in April 2019.
Employers also contribute to workplace pensions. Employer contributions are calculated the same way as employee contributions are – as a percentage of the employee’s salary, t which will see phased increases in the minimum contribution rateuntil the scheme is fully rolled out.
Currently, this is 1%, rising to 2%, before finally staying at 3% of an employee’s salary.
There are some employees that are exempt from auto-enrolment but may still have a right to join a workplace pension. These are:
However, while these are exempt from auto enrolment, they are still able to join your business’s workplace pension scheme if they choose to. The only difference is that signing them up to it isn’t mandatory.
Some staff members may decide that they would rather not save through a workplace pension scheme. This could be simply trying to keep to a strict budget, or they may pursue alternative long-term saving options.
So, while you have to provide a workplace pension scheme, and many staff will be automatically enrolled, your staff are similarly able to opt out of the scheme if they choose to.
FSB’s Workplace Pension service is designed to be a cost-effective and straightforward solution that makes implementing a fully compliant pensions scheme simple for any business.
Benefits of the FSB Workplace Pension scheme include:
To find out more about workplace pensions and how we can help you provide a compliant solution for your staff visit our FSB Workplace Pension page. Workplace pension services are included as standard with the FSB Business Essentials. To find out more visit our package comparison page to compare benefits of our packages.
With expert advice and guidance from a leading provider, it's one of the most popular FSB Member Benefits.
National Federation of Self Employed & Small Businesses LimitedSir Frank Whittle Way / Blackpool / FY4 2FE. National Federation of Self Employed & Small Businesses Limited (FSB) is registered in England, number 1263540