Not all employees have to be put into a pension scheme automatically, but they can still ask to join. Whether they’re enrolled automatically or not depends on how much they earn, their age and whether they normally work in the UK.

If they’re enrolled automatically they’re known as ‘Eligible jobholders’ .

Then there are two categories for the employees who can ask to join:

• Non-eligible jobholders – you’ll have to pay into their pension pots if they ask to join
• Entitled workers  – you won’t have to pay into their pension pots if they ask to join.