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1 Auto-Enroment Services Part 1: A Unified Soution for Empoyers A combined Payro and Pensions approach to meet your Auto-Enroment obigations MITCHELL CHARLESWORTH OFFICES Chester Liverpoo Manchester Warrington Widnes Registered to carry on audit work in the UK and Ireand by the Institute of Chartered Accountants in Engand and Waes and authorised and reguated by the Financia Conduct Authority for investment business.

2 02 Auto-Enroment Services - A Unified Soution for Empoyers Why choose Mitche Charesworth Auto-Enroment Services? The key to Mitche Charesworth s Auto-Enroment soution is our unified approach through both our pensions and investments department and our payro services division. The combination of these two expert services and your abiity to access these services under one roof makes Mitche Charesworth s Auto-Enroment package efficient and cost-effective. Contents: Mitche Charesworth Weath Management - Pensions & Investments department... p03 Preparing for Auto-Enroment Reviewing, impementing and instaing a quaifying workpace pension scheme Ongoing advisory support to members of your quaifying pension scheme Mitche Charesworth Payro Services... p04 Why Auto-Enroment wi ead to greater payro compexity How can our payro service team hep you? Core activity soutions Anciary services Further advice? Mitche Charesworth contact detais...p07 Mitche Charesworth Weath Management Mitche Charesworth Payro Services We consider your pension requirement and your payro operation in tandem when deivering a soution. Mitche Charesworth Auto-Enroment Services - a unified soution: Te:

3 03 Mitche Charesworth Weath Management - Pensions & Investments Heping you meet your Workpace Pension requirements. Preparing for Auto-Enroment: Many empoyers need hep to work out the true costs and impications of the Workpace Pension Reforms for their business. Mitche Charesworth Weath Management wi provide an initia report (for a fee agreed in advance) which wi identify a the eigibe, non-eigibe and entited jobhoders. Once we have done this, we can identify quaifying earnings and cacuate your company s iabiity under the new regime. Reviewing, impementing and instaing a quaifying workpace pension scheme: Under Auto-Enroment, empoyees must be auto-enroed into a quaifying workpace pension scheme. Mitche Charesworth Weath Management can offer advice in respect of estabishing an appropriate scheme which fufis the Auto-Enroment criteria or can offer Auto-Enroment advice in respect of an existing scheme. In this regard, Mitche Charesworth s Pensions Consutants can hep you, the empoyer, by: Providing you with advice in reation to the requirements for operating a company sponsored pension that compies with the terms of Auto-Enroment. Providing you with advice, foowing a review of any existing scheme, that outines whether this existing scheme can be used to meet your responsibiities under Auto-Enroment. Providing advice that outines the options that are avaiabe to you in terms of compiance with Auto-Enroment. Offering you guidance on contribution eves in respect of meeting the criteria set out by Auto- Enroment. When necessary, providing you with recommendations for a new Auto-Enroment scheme that can cope with the requirements under Auto-Enroment. Impementing and instaing a repacement quaifying workpace scheme if required. Ongoing advisory support to members of your quaifying pension scheme: Under Auto-Enroment, you may wish to provide your empoyees, who are members of the pension pan, with the faciity for on-site contact with an adviser once a year. Mitche Charesworth can hep you meet this objective by providing your empoyees, who are members of the pension pan, with the faciity for an annua review meeting wherein the annua benefits statements provided by the pension provider wi be expained and discussed.

4 04 Auto-Enroment Services - A Unified Soution for Empoyers Mitche Charesworth Payro Services Meeting your Payro requirements. An empoyer s obigations under the Workpace Pension Reforms with regards to Auto-Enroment wi ead to a significant increase in the demand paced on your admin, finance and/or payro department. This increase in payro administration is another unwanted burden for empoyers but is a facet of the Auto-Enroment requirements that has often been overooked. Mitche Charesworth s Payro Services team can hep to aeviate this significant administrative burden. Our Payro Services team are used to managing payros with many different types of pension schemes. For them, Auto-Enroment is an extension to the services that they have provided for decades. Why wi the new Auto-Enroment requirements ead to greater payro compexity? In order to make certain that you compy with the new pension egisation, additiona administration wi be required to ensure that you routiney assess workers, issue communication and manage Opt-Outs. Importanty, whoever your Pension Provider is, they wi not have a compete soution for you, that incudes payro administration. Not a pension providers wi manage communication to workers. Some wi use a singe pass payro extraction after each payro run to provide the compete package whist others suggest a second pay run to be processed once they have worked out the contributions using software often referred to as Middeware. Importanty, it must be noted that pension providers each have their own unique way of assisting with some or a of these administrative tasks. Importanty, they a require data extraction from payro on a run by run basis to provide any support. Mitche Charesworth Auto-Enroment Services - a unified soution: Te:

5 05 How can our payro team hep you? Mitche Charesworth s Payro soution is based on the assumption that we wi use a Singe Pass basis where our payro software wi process the Core Activity compiance aspect of Auto- Enroment. The core Auto-Enroment activities: Appying assessment to categorise workers at staging date Assessment of subsequent starters Re-assessment of existing empoyees where income or age increases Reassessment 3 years after staging date Processing Worker Postponement, Opt-Outs, Refunds and Opt-Ins Mitche Charesworth are abe to offer a of the above immediatey using our payro software. Pension contribution upoad: At the end of each pay cyce, whether weeky or monthy, data is required to be upoaded to the pension provider detaiing the contributions and worker status of each member. Our payro services department can assist you in generating a data fie that can be upoaded to your pension provider systems. Aternativey, we may be abe to hande that process on your behaf. Managing empoyee communication: It is your obigation to inform workers on a timey basis of any postponement, assessment status as and when it changes and to notify workers of their options such as Opt Out or Opt In by either emai or etter. Depending on the eve of pension provider support, they may be abe to hande worker communication on your behaf, from the reguar upoad that you compete. For those empoyers using Pension Provider software to hande communication separatey, they may require a Secondary Fie from payro. As your payro provider, Mitche Charesworth can hande empoyee communication on your behaf, generating standard etters for you to pass to your worker. Payro service requirements: The eve of Payro support you require depends on your chosen pension provider. Mitche Charesworth s Auto-Enroment services are therefore spit between Core Activity Soutions and Anciary Services.

6 06 Auto-Enroment Services - A Unified Soution for Empoyers Core activity payro soutions: 1. One off activity: Impement Auto-Enroment Payro Processes ahead of staging date Appy pensionabe and assessabe criteria to existing data Test payro run ahead of staging date. 2. Recurring payro activity: Ongoing maintenance of Core Auto-Enroment Payro Activities in each pay period Continuous Assessment of entited workers, non-eigibe jobhoders and starters Processing Opt-Out notices, Opt-Out refunds and Opt-In requests Handing Postponements Reporting; worker categorisation, postponements, contributions upon pay run 3. Data fies Fie production of Singe Pass data for each pay run Anciary services: Bespoke data fie production and reporting You may require the Singe Pass data fie in a specific format. This may be to upoad direct to your pension provider, HR Software or an empoyee communication too. If we do not have your fie format to hand, we can iaise with our Software provider to meet your requirement. Once designed, we can add the production of your Bespoke Singe Pass data fie into your Core Activity. As Auto-Enroment progresses our service wi deveop to streamine the fow of information direct between our software and various pension providers. Empoyee communication If your pension provider does not offer a communication faciity or you do not wish to maintain the empoyee communication aspect by using the standard reports we provide as part of the core activity, Mitche Charesworth can produce ongoing worker communication on your behaf, for you to pass to your workers. Mitche Charesworth Auto-Enroment Services - a unified soution: Te:

7 07 Further advice? Contact Mitche Charesworth s Auto-Enroment experts: The key to our Auto-Enroment service is our unified approach. By working with both our pensions & investments department and our payro services division, you can be safe in the knowedge that you wi meet your obigations under Auto-Enroment. The simpest way to contact our Auto-Enroment service team is to emai: or ca Ken Davies on We wi be happy to respond to you directy and offer the best soution for your current situation. For further advice specificay regarding your pension scheme obigations and Auto-Enroment, contact Mitche Charesworth s pensions and investments division. For specific advice regarding the administration of Auto-Enroment and your payro function, contact Mitche Charesworth payro services. Mitche Charesworth Weath Management: Nei Martin - Head of Financia Panning Ca: Emai: Visit: Mike Wa - Pensions and Investments Consutant Ca: Emai: Visit: Mitche Charesworth Payro Services: Ken Davies - Director of Payro Ca: Emai: Visit: Joanne Nieman - Payro Manager Ca: Emai: Visit:

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