With the introduction of automatic enrolment, the decision regarding workplace pensions now comes down to the detail of which scheme or schemes is right for the organisation and employees, and choosing a workplace pension scheme is only the start of it. Workplace pensions need to be continually reviewed in line with an ever-changing body of legislation. Employers need to invest in effective communication with employees, not only to meet legal requirements and ensure employees understand their options and the decisions they need to make, but also to raise awareness of the value of the benefit.

This factsheet explores the different types of workplace pension and current legislation governing employers' pension arrangements. It addresses strategic issues in workplace pensions with a series of questions and reflections to use when reviewing existing pension arrangements.

This factsheet was last updated by Charles Cotton.

Charles Cotton

Charles Cotton: Performance and Reward Adviser

Charles directs the CIPD's performance and reward research agenda. He has recently led research into: how employers can help improve their employees’ understanding of their personal finances; how front line managers make and communicate reward decisions to their employees; how employers manage the risks around reward; how private sector employers can build the business case for workplace pensions; how employees form their attitudes to pay; and how the annual pay review process can become more strategic. 

He is also responsible for the CIPD’s public policy reward work and has given evidence to select committees on banking pay, redundancy awards as well as responding to various consultations, such as on pensions, retirement and MPs’ expenses.

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