Set up your automatic enrolment workplace pension in minutes

Are you exempt?

Some Employers are exempt from having to set up an Auto Enrolment pension scheme.

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Have you passed your duties date?

If your business has passed its Duties Date, contact us to see how we can help.

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Our Service

How much do we charge?

£10per Employee, per month, plus VAT

We set up and implement the Workplace Pension

All you need to do is complete our simple sign up process to allow us to begin working on your Auto Enrolment Workplace Pension scheme.

We automate as much of the process as possible

This allows you to continue running your business whilst we run your pension scheme.

Ongoing support of your Workplace Pension

You and your Employees can ask our Helpline Team any questions you may have regarding the Auto Enrolment pension scheme. Your Employees also have access to an online portal where they can stay up to date with their pension pot.

The Pension Scheme

Our system takes care of the 33 tasks required to comply with Automatic Enrolment Pension legislation, saving you time and allow you to continue running your business as normal with minimal disruption.Pension contributions are invested with Scottish Widows, a household name with a Defaqto 5 star rating for Automatic Enrolment.Pension Scheme summary
  • Contributions based on Qualifying Earnings

  • Postponement of three months automatically applied

  • Declaration of Compliance compeleted on Employers behalf

  • We complete all communications

  • Answer any Employer and Employee questions



Is there any way around the need to comply with all the employer duties?

As an Employer, you must comply with all of your duties. The Pensions Regulator will audit all companies to ensure they are fulfilling their duties and there are substantial fines that may be levied against companies that do not comply.

Will NEST fulfil all my Employer duties?

No. NEST is a pension scheme into which pension contributions from Automatic Enrolment can be paid and invested. However, there are Employer responsibilities that must be carried out that NEST will not undertake on your behalf. DM Cager Workplace Pensions solution will provide all the support you need to carry out these additional duties.

Do I still have to comply with the Employer responsibilities if I have an existing Pension plan?

Yes. You still have Employer duties, even if you have a pension scheme in place that meets the minimum requirements for Automatic Enrolment. We can help you review your current scheme.

What penalties will I face if I don't comply?

The Pensions Regulator will check that all Employers are complying with the rules of Automatic Enrolment. If you are found to be in breach of any of your responsibilities, you will be issued with a notice of enforcement. You have the right to challenge that notice. According to the outcome of the investigation a penalty may be applied. The penalty will depend on the nature of the breach, but for extreme cases could be a daily fine of as much as £10,000!

When would an Employer use postponement?

As an Employer, you have the right to postpone Employees for up to three months. This could reduce your costs significantly. Other benefits include:

  • More time to assess all of your Employees

  • Enrol members at the same time you run your payroll

  • Avoid paying part-month contributions

  • Avoid having to assess Employees who are with you temporarily, or who have a one-off spike in earnings and would not otherwise qualify.

  • Able to postpone new Employees from the date they join their company, or from the date an existing Employee becomes eligible to join the pension scheme.

Is salary exchange permitted to meet the minimum contribution levels?

Yes. Salary exchange is where an employee can give up part of their salary or bonus to their pension fund, resulting in their gross salary being reduced and the employee paying less tax and national insurance. As an employer, you will make savings on your National Insurance bill, which you can then use to reduce your costs. We can show you how salary exchange can save you money and set it up for you.


I've been auto enrolled, but don't want to start saving right now. How do I opt out?

You need to complete an opt out notice. This can be done from the outset in which case no contributions will be payable, or, at any future time, after you’ve been auto enrolled.

I thought everyone had to be auto enrolled into a pension scheme. Is this true?

You'll be automatically enrolled into your employer's pension plan if you:

  • are aged between 22 and State pension age

  • work or usually work in the UK and

  • earn more than £10,000 each year (for the 2021/22 tax year).

If you don’t fall into these categories, you will not be automatically enrolled, but you may still be entitled to join your employer's pension plan. However, whether your employer will contribute to your pension plan will depend on your earnings and your age. If you earn between £6,240 and £10,000, and are aged between 16 and 74, your employer will be required to contribute. Please note these figures may change from time to time.

What happens to the money I've saved if I die before retirement?

When you join your scheme, you will be asked to complete a ‘nomination of beneficiaries form’. If you die before you retire, your pension savings will be paid to your nominated person(s) as a tax-free lump sum.

If I join the scheme and move to another company what happens to my savings?

Speak to your existing employer to find out what type of scheme you are saving into.Some schemes will stay with you and you can continue saving into it wherever you work. With other schemes you will have to join a new scheme with your new employer, and then you can either transfer the money from your previous scheme across to your new scheme, or you can leave it where it is. Before transferring one scheme to another, it may be worth speaking to a financial adviser, as it’s not always the best course of action.Please note that the government is reviewing the existing practice in this area.

What do I have to do with my pension savings when I want to retire?

When you retire, you’ll receive a letter that tells you how much you’ve saved. This amount, less any tax free cash you take (see below), is used to provide an income in retirement. Most people buy a product called a lifetime annuity. This pays a guaranteed income for the rest of your life (much like receiving a salary). It is possible to take your whole pension fund as cash - but income tax will apply to the amount over your tax-free entitlement (usually 25% the fund).

Can I take any of my pension savings as cash when I retire?

Yes – you will be entitled to take a tax-free lump sum of up to 25% of your pension savings. The remainder of your pension fund must currently be used to provide income. It is possible to take your whole pension fund as cash (but if you do this, income tax at your highest marginal rate will apply to the amount above your 25% tax-free entitlement).

About Us

DM Cager Workplace Pensions has been setup to assist Employers with their Automatic Enrolment Workplace Pension duties​. We understand that not every Employer started their business to become a pension expert, therefore, we have created this simple fully automated online solution.

Contact us

General Enquiries 01628 337 268
Employer Helpline 0345 222 1598
Employee Helpline 0345 222 1598
Opening Hours
Mon - Fri 9am - 5pm