Can my employees pay below the minimum?

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.


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