Company Pension Schemes & Auto Enrolment

James & Co Wealth Management has a wealth of experience in the retirement planning and pensions arena and provides employers with a full research through to implementation service.

Auto Enrolment has been with us since 2012 and has created much confusion within the workplace with vast numbers of employers being unaware of the great deal of work required to put in place a compliant auto enrolment pension scheme within the timeframes required. Companies are facing very large fines up to £10,000 per day for non compliance.

Even companies that already have pension schemes in place can still fall foul of the law if it doesn’t meet the minimum criteria laid down by The Pensions Regulator.

There are a number of pension scheme providers that can deal with making your company compliant, but they offer very different solutions and the costs vary dramatically. How do you know which one to choose?

Many companies will rely on their accountant or payroll clerk to sort it out for them, but are they really best placed to advise on such a crucial matter. Putting a company pension scheme in place is a critical decision that affects everybody working within the company. The needs of employees and employers will differ as will the needs of different companies within different business sectors. Putting in the right scheme takes a great deal of research and time. It is estimated that 103 man days are required by an individual within an average company to get a compliant work place pension put in place. That equates to 20 working weeks for a member of your staff. Assuming your member of staff allocated to deal with your new scheme is on a salary of £25,000, You can expect a cost to your business of over £9,600 with no guarantee that the choice of scheme will be the correct one.

James & Co Wealth Management are here to help and provide the following services.

  • We meet with the employer

  • We complete a full analysis of your company requirement

  • We complete an analysis of your workforce

  • We will liaise with your accountants, payroll and other professionals if required

  • We confirm the needs & requirements of the employer

  • We ascertain the company budget

  • We research the market

  • We provide a full report detailing the research & recommended provider

  • We assist with middleware implementation as required

  • We deal with the application process & due diligence requirements

  • We will assist with investment fund choices

  • We prepare the obligatory employee communications in the prescribed format

  • We ensure the implementation process is seamless

  • We provide employee presentations explaining the scheme, how it works & benefits to them


Click here to download Info for Employers Dec 13

Click here to download Service Levels & Timeline for Employers August 2014

Click here to download Pensions Regulator 6 month Checkpoint

Click here to download The essential-guide-for-automatic-enrolment


For more information please call 01622 831855 or complete the enquiry form below.


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James & Co Wealth Management Limited. Registered in England and Wales, under No. 04464101. Registered office address -Rosemount House, 2 - 4 Chequers Road, Basingstoke, Hampshire, RG21 7PU.

James & Co Wealth Management Ltd is an appointed representative of Intrinsic Mortgage Planning Limited and of Intrinsic Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA Register ( under reference 440703 and 440718