For many employers, the next big workplace pension milestone is approaching fast: re-enrolment. Every three years, employers must re-enrol eligible staff back into their workplace pension scheme. It’s a legal duty and one The Pensions Regulator (TPR) takes seriously.
But here’s the problem:
Many employers are missing important re-enrolment notices simply because their contact details are out of date.
And unfortunately, “I didn’t see the letter” isn’t a defence.
What is re-enrolment and why does it matter?
Re-enrolment is part of the UK’s automatic enrolment rules. Every three years, employers must:
- Re-enrol eligible employees who have previously opted out or ceased membership
- Put them back into a qualifying workplace pension scheme
- Restart pension contributions
- Re-declare compliance to The Pensions Regulator (TPR)
TPR will contact you in advance to remind you of your duties but only if they can reach you.
The Pensions Regulator sends statutory notices, reminders and deadlines to the contact details it holds on record. If your business has:
- Changed address
- Changed payroll provider
- Changed accountant or adviser
- Changed email addresses
- Changed company officers or directors
And missing those communications can lead to:
- Missed re-enrolment dates
- Late re-declaration of compliance
- Compliance notices
- Financial penalties
All for something that’s easily preventable.
Whose responsibility is it? It is the employer’s legal duty to keep their details up to date with The Pensions Regulator.
Even if you outsource pension administration, the responsibility still sits with you as the employer.
Employers should ensure all of the following are accurate at all times:
- Primary contact details
- Secondary contacts
- Business address
- PAYE information
It’s a simple check that could save you time and money
The good news? This is one of the simplest compliance checks you can do.
Ask yourself:
- Have our business or contact details changed in the last three years?
- Is the email address registered with TPR still monitored?
- Would the right person see an official pension notice today?
If you’re not 100% confident, it’s time to log in and check.
In a world of increasing regulation, pension compliance isn’t something you want to leave to chance. Workplace pensions don’t have to be complicated, but they do require attention. Keeping your details updated with The Pensions Regulator is a small task that can prevent big problems. Take five minutes today to check your details.