Do I need to have a pension scheme in place at the staging date?

You only need an automatic enrolment pension scheme in place by your staging date if there’s someone to auto-enrol on this date. If there’s no one who needs to be auto-enrolled then there’s no need to have a pension scheme in place.  However, it may be useful to decide, before your staging date, which pension scheme would be used if the person or people you employ actually need to be enrolled (or ask to join).

Even if there are no employees to be auto-enrolled, you will still have a duty to write to your employees and complete your declaration of compliance.








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