Pensions - Workplace

Auto-enrolment failure by employer

Mandatory ADR
Max award: £445,000 (from 1 Apr 2025)
Report to TPR: 0345 600 7060; enforcement action
Uphold rate: 34% (FOS 2024/25)

Key Legislation

Pensions Act 2008; Pension Schemes Act 1993 — PA 2008 s.3 (employer duty); PSA 1993 (member rights)

Complaint Route: The Pensions Regulator

Type: Regulator

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Companies in This Sector

Nest (statutory)Aviva (FCA 202153)Scottish Widows (FCA 110962)The People's Pension (FCA 258825)

Annual complaint volume: 305,726 (FOS 2024/25 total)

Note: Compensation range: Employer contribution arrears + penalties; financial compensation from employer

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Coverage

Tier 1 — Financial (FOS expertise)