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<p>Automatic enrolment has achieved a quiet revolution through getting employees into
the habit of pension saving, and reversing the decline in workplace pension participation
in the decade prior to these reforms. Since automatic enrolment started in 2012 participation
rates have been transformed with 87% of eligible employees saving into a workplace
pension in 2018, up from 55% in 2012.</p><p> </p><p>The Department does not hold data
for individual constituencies in relation to opt outs or the number of individuals
who have saved above the automatic enrolment minimum contribution level. However,
we do know that overall around 9% of automatically enrolled workers have chosen to
opt out which is significantly below original estimates, and our latest evaluation
report shows that in April 2017, approximately 5.9 million eligible employees were
already meeting the April 2019 minimum contribution rates.</p><p> </p><p>In the Airdrie
and Shotts constituency, from 2012 to August 2019, approximately 8,000 eligible jobholders
have been automatically enrolled and 960 employers have met their duties.</p>
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