If no team members are eligible for automatic enrolment, you can set up a ghost pension until someone becomes eligible. These schemes help you stay compliant and assess your team each time you run payroll without having to select a provider upfront. Instead, you can choose a provider and set up your workplace pension when someone becomes eligible or opts in.
To set up a workplace pension without specifying a provider, watch the video or follow the steps below.
Set up a ghost pension scheme
To set up a ghost pension and get the benefits of automated assessments and communications with team members, follow the steps below:
Click Pensions then click Start setting up my pension.
Click Use a Ghost Pension then click Next.
Complete the pension set up as required.
Tip: To ensure that you enrol team correctly, we recommend adding all of the relevant pension settings, as far as possible. For example, use the appropriate postponement settings, contribution basis and contribution levels.
Pension assessments with a ghost scheme
Now the scheme's ready, you've set an automatic assessment of all team members in each pay period. To let you know that it’s time to set up a pension with your pension provider, you'll receive a company payroll alert when a team member becomes eligible.