Yes, an employee can choose to pay below the minimum. If they do, then you aren’t obliged to contribute if they aren’t meeting the minimum contribution – but you can if you wish. However, it’s up to you to remember to raise their contributions back up to the minimum level at your 3-year re-enrolment date. An employee can also opt out/cease contributions entirely. You should be mindful of The Pension Regulator’s rules around coercion and ensure you don’t suggest that they reduce their contributions or leave the pension scheme.