What is Auto-Enrolment?

People in the UK are living for much longer. This means that we could have more time to spend in retirement, so we need to save more.

Auto-enrolment is new legislation introduced by the Government to help make it easier for people to save for their retirement. It requires all UK employers to automatically enrol their eligible employees into a Qualifying Workplace Pension Scheme (“QWPS”), if they are not already in one, and deduct a minimum level of pension contributions from their pay.

To support you in saving for your retirement, IMI will contribute towards your pension by matching your pension contributions up to 6% of your Pensionable Pay.

Employees will be treated slightly different depending on what type of employee group they fall into. There are three types of employees: 

  • Eligible jobholder
  • Non-eligible jobholder
  • Entitled worker

To find out which type of employee you are please click here.

Employers have to automatically enrol employees who: 

  • Are not already contributing to a QWPS

  • Are aged 22, but under state pension age

  • Earn at least £10,000 a year (£833 a month or £192 a week) (2013)

  • Work, or usually work, in the UK. 


If eligible, you will be automatically enrolled into the IMI Retirement Savings Plan (“RSP”), which meets the necessary criteria. To find out more about the RSP, please click here.

Auto-enrolment impacts virtually all employers in the UK, coming into force at different times over the next few years depending on their number of employees. For IMI, this starts on 1 November 2013. This is called the Staging Date.

IMI has chosen to delay auto-enrolling its people into the RSP for a period of up to 3 months from their initial date of eligibility, this is often referred to as a postponement period or waiting period.

If you wish, you can start contributing to the RSP before the end of your postponement period by downloading and completing the Contribution Commencement Form. Once complete, please return the form to your local Pensions Contact.

Even if you are automatically enrolled, you have the right to opt-out of the RSP at any time. For further information on opting-out, please click here.