Pensions: Auto Enrollment

Retired Banner

What you need to know about pensions

Pensions are changing, a workplace pension is a way of saving for your retirement that’s arranged by your employer.

Some workplace pensions are called ‘occupational’, ‘works’, ‘company’ or ‘work-based’ pensions.

A percentage of your pay is put into the pension scheme automatically every payday.

By 2018 all employers must provide a workplace pension scheme. This is called ‘automatic enrolment’.

RedWigWam is currently in the process of sorting out a pensions provider.  See below and lookout for emails for further information.


To help people save more for their retirement, all employers are now required by law to provide a workplace pension scheme for certain staff and pay money into it.

We must assess our total workforce, who is eligible and we will inform you accordingly.

The Eligible Jobholder

We must enrol any of our staff who meet all of the following criteria:

  • You earn over £192 per week (or £833 per month)
  • You are aged 22 or over and
  • You are under state pension age

If you meet these criteria on 1st November you will be automatically enrolled into our workplace pension scheme. We will write to you again if this happens. When we write to you to confirm auto enrolment we will also detail:-

  • Why you have automatically been enrolled.
  • Specific details of the pension scheme that you have been automatically enrolled into.
  • How contributions will be deducted from your pay.
  • Your entitlement to opt out of the pension scheme that we have provided.

You can join the scheme before this date if you wish (see How to join below).

The Non-Eligible Jobholder

The non-eligible jobholders will not be automatically enrolled, but you do have a right to opt in to our company pension scheme. If you choose to opt in, then we will contribute to the non-eligible jobholders pension scheme.

If you don’t meet the criteria, you won’t become a member of the scheme automatically but if in the future you earn more than £192 per week (or £833 per month), or turn 22, we will enrol you into the scheme and let you know.

If you don’t meet the criteria you can also ask to join the scheme now or in the future.

If you ask to join you will put money into the pension each month directly from your pay, and the government may also contribute through tax relief. If you earn over £113 a week (or £490 a month), when you ask to join, the minimum amount you will put into the scheme will be 1% of your earnings. We will also contribute to the pension on your behalf.

The Entitled Worker

If you earn less than £113 a week, you are not eligible to auto enrolment however you are still entitled to opt in, when you ask to join we are not obliged to contribute to your pension.

How to join

To join the scheme, now or in the future, just head to “My Profile” and select opt-in.  Any queries regarding your pension should be directed to


Eligible jobholders have the right to opt out of the company pension scheme. We will not provide the mechanism for eligible jobholders to do this. Your pension scheme provider will provide you with this mechanism.

Further correspondence will be sent in due course once the workforce assessment has been carried out.

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