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The Issue

From 2018 all employers will have to enrol eligible staff into a workplace pension scheme and contribute to their pension. This process is called auto-enrolment.

We recognise the importance of the principle behind auto-enrolment, individuals and employers having a joint responsibility to save for retirement. However, we’ve raised concerns about the impact the legislation will have on the smallest employers.

Action FSB have taken

  • We’ve lobbied Government for a staggered introduction of auto-enrolment. This gives businesses with less than 50 employees more time to comply.
  • We’ve encouraged the Government to keep the costs of compliance to a minimum.
  • We’ve been working with the Pensions Regulator and the pensions industry to make sure there’s clear guidance and support for small firms, to help them comply.
  • We’ve teamed up with Legal & General and IFS to offer an auto-enrolment scheme for our members.

Our Goal

We want more small businesses to offer quality pensions to their staff. To be successful, auto-enrolment needs to be simple to administer and comply with. Costs need to be kept to a minimum.

Achievements in...



  • We want more small businesses to offer quality pensions to their staff.
  • We persuaded the Government to introduce auto-enrolment in stages. This has given businesses with less than 50 employees longer to comply.
  • We successfully called for minimum employer contributions to be phased in gradually.
  • We worked with the Pensions Regulator to make sure its guidance is relevant and clearly communicated to small businesses.
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