The Pensions Regulator

We're a family business - do automatic enrolment duties apply to us?

If no one else is working for the company, it will depend on your roles and if you have employment contracts, as to whether your company has automatic enrolment duties or not. You can find more information about employment contracts on the employment status section of the GOV.UK website.

If you are all directors:

  • If you all have employment contracts, the company will have automatic enrolment duties for all of you.
  • If at least two of you have employment contracts, the company will have automatic enrolment duties for all those who do.
  • The company won’t have any automatic enrolment duties if only one of you has an employment contract, or none of you has.

If some of you are directors and some are not:

  • The company will have automatic enrolment duties for all those who aren’t directors.
  • If at least two of you have employment contracts (whether directors or not), the company will also have automatic enrolment duties for any director who has an employment contract.

If the company does have automatic enrolment duties for anyone, what you need to do will depend on their age and earnings. If you do have automatic enrolment duties for any person who is a director, and they are aged between 22 up to State Pension Age and earn over £10,000 per year, or £833 per month or, £192 per week, you are not required to put them into a pension scheme unless you choose to do so.

If you believe you don’t have any automatic enrolment duties you will need to tell us that you’re not an employer.

If you are an employer use our Duties Checker to find out what you need to do and by when.

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