Pension & Auto Enrolment
Workplace pensions, fully compliant.
Every UK employer with at least one eligible jobholder must operate a workplace pension scheme that meets Auto Enrolment requirements — and The Pensions Regulator (TPR) issues fines starting at £400 (with daily escalation) for non-compliance. Heartlands sets up and runs the entire scheme for you: selecting the right provider, configuring contributions, assessing every employee every pay period, processing opt-ins and opt-outs, submitting contributions, completing your Declaration of Compliance and triennial re-enrolment, and acting as your point of contact with TPR if any query arises. Whether you're a brand-new employer or inheriting a poorly run legacy scheme, we make Auto Enrolment a quiet, automated background process.
What this service does
Auto Enrolment requires you to (a) operate a qualifying workplace pension scheme, (b) automatically enrol every eligible jobholder, (c) make minimum employer contributions, (d) handle opt-outs within one month, (e) re-enrol eligible jobholders every three years, and (f) keep records for six years. Heartlands handles all of it. We work with all major providers — NEST, Smart Pension, The People's Pension, Aviva, Royal London, Scottish Widows — and integrate the chosen scheme with your payroll so assessment and contribution submissions happen automatically every pay period.
- Achieve and maintain full compliance with Pensions Act 2008 duties
- Avoid TPR fines starting at £400 and escalating daily
- Minimise administrative burden on the employer and finance team
- Give employees a quality, low-cost pension scheme they understand
- Eliminates the risk of missed assessment dates, late contributions and non-compliance
- Streamlines payroll-pension integration so contributions submit automatically
- Manages all employee communications required by the regulations
- Coordinates Declaration of Compliance and three-yearly re-enrolment seamlessly
Service capabilities
The measurable upside
Removes 1–3 hours per pay cycle of pension admin and eliminates the risk of overlooked re-enrolment deadlines.
Salary sacrifice arrangements (where appropriate) save both employer and employee National Insurance — typically 5–13.8% saving on contributions.
All employee data exchanged via encrypted channels; pension provider portals secured with strong authentication.
Full Pensions Act 2008 compliance with documented audit trail to satisfy any TPR review or member challenge.
Pension assessment runs inside the payroll cycle — no separate process, no separate deadlines, no missed dates.
Sectors we work with
What sets Heartlands apart
Chartered partners with 15+ years across UK SMEs, owner-managed businesses and scaling startups.
ICAEW, ACCA and CTA qualified specialists handling every engagement end-to-end.
From onboarding and software setup to filing, reporting and HMRC representation — one accountable team.
Birmingham-based with a direct line to your partner. No call centres, no offshoring, no surprises.
We train your team on Xero, QuickBooks and reporting workflows, then keep the system healthy month after month.
How we deliver, end-to-end
- 01ConsultationA free 30-minute scoping call to understand goals, structure, deadlines and pain points.
- 02AssessmentWe audit your books, filings and software stack to surface risks and quick wins before quoting.
- 03PlanningA written engagement plan: scope, deliverables, deadlines and a fixed monthly fee — no hourly billing.
- 04ImplementationSoftware configured, ledgers migrated, controls set up and the team onboarded with zero downtime.
- 05TestingReconciliations, trial runs and sign-off on the first month's outputs before going live.
- 06TrainingHands-on training for your team plus written SOPs so the process is sustainable, not dependent on us.
- 07Ongoing supportContinuous filing, monthly reviews, unlimited email support and proactive deadline management.
Frequently asked questions
What our clients say
Heartlands turned our pension & auto enrolment from a year-end headache into a quiet, predictable process. Their partner-led approach is the difference.
Switched from a high-street firm and immediately recovered tax we didn't know we'd overpaid. Communication is faster, advice is sharper.
Genuinely proactive — they call us before deadlines, not the other way round. Fixed fees, no surprises and our books have never been cleaner.
Ready to talk about pension & auto enrolment?
A free 30-minute scoping call with a chartered partner. No obligation, no sales pitch — just clear answers and a fixed quote if it's a fit.