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1002198

registered interest
date	05/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to the Written Answer by Baroness Buscombe on 31 October (HL10751), what assessment they have made of the obligations on (1) employers, and (2) pension schemes to report failures to pay correct contributions, regardless of whether the errors are large or small; and whether there is a definition of what contributes a material error.
tabling member printed	Baroness Altmann
uin	HL11219
answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>Government has put in place a robust, proportionate, compliance framework for automatic enrolment which ensures that the vast majority of employers are meeting their legal duties, including: declaring compliance, accurately paying contributions and passing contributions to their chosen pension scheme. This framework is backed by statutory powers which enable the Regulator to compel compliance with the law.</p><p>Employers, trustees, managers and providers must keep records including details of the pension contributions payable in each relevant pay reference period by an employer to the scheme, and the amount payable. This includes the contributions due on the employer’s behalf and deductions made from an individual’s earnings.</p><p>The Pensions Regulator (TPR) has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions, provide information to help members check their contributions and report material payment failures to TPR. The codes set out what is considered a material breach, specifically: paragraphs 173 and 174 of Code 3; paragraphs 46 and 47 of Code 5; paragraphs 48 and 49 of Code 6; and paragraphs 173 to 186 of Code 14.</p><p>In addition, TPR publishes regular assessments of its automatic enrolment compliance and enforcement activities as well as an annual commentary and analysis report, both of which are available on its website.</p> answering member printed Baroness Buscombe grouped question UIN HL11220 HL11221 HL11222 question first answered 12/11/2018 16:59:44 answering member 3349 label Biography information for Baroness Buscombe
tabling member	4533 label Biography information for Baroness Altmann

1002199

registered interest
date	05/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what estimate they have made of the amount of auto-enrolment pension contributions which are incorrect.
tabling member printed	Baroness Altmann
uin	HL11220
answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>Government has put in place a robust, proportionate, compliance framework for automatic enrolment which ensures that the vast majority of employers are meeting their legal duties, including: declaring compliance, accurately paying contributions and passing contributions to their chosen pension scheme. This framework is backed by statutory powers which enable the Regulator to compel compliance with the law.</p><p>Employers, trustees, managers and providers must keep records including details of the pension contributions payable in each relevant pay reference period by an employer to the scheme, and the amount payable. This includes the contributions due on the employer’s behalf and deductions made from an individual’s earnings.</p><p>The Pensions Regulator (TPR) has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions, provide information to help members check their contributions and report material payment failures to TPR. The codes set out what is considered a material breach, specifically: paragraphs 173 and 174 of Code 3; paragraphs 46 and 47 of Code 5; paragraphs 48 and 49 of Code 6; and paragraphs 173 to 186 of Code 14.</p><p>In addition, TPR publishes regular assessments of its automatic enrolment compliance and enforcement activities as well as an annual commentary and analysis report, both of which are available on its website.</p> answering member printed Baroness Buscombe grouped question UIN HL11219 HL11221 HL11222 question first answered 12/11/2018 16:59:44 answering member 3349 label Biography information for Baroness Buscombe
tabling member	4533 label Biography information for Baroness Altmann

1002200

registered interest
date	05/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether they intend to introduce reporting requirements to monitor accuracy of auto-enrolment pension contribution records on an annual basis; and if so, what those requirements will be.
tabling member printed	Baroness Altmann
uin	HL11221
answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>Government has put in place a robust, proportionate, compliance framework for automatic enrolment which ensures that the vast majority of employers are meeting their legal duties, including: declaring compliance, accurately paying contributions and passing contributions to their chosen pension scheme. This framework is backed by statutory powers which enable the Regulator to compel compliance with the law.</p><p>Employers, trustees, managers and providers must keep records including details of the pension contributions payable in each relevant pay reference period by an employer to the scheme, and the amount payable. This includes the contributions due on the employer’s behalf and deductions made from an individual’s earnings.</p><p>The Pensions Regulator (TPR) has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions, provide information to help members check their contributions and report material payment failures to TPR. The codes set out what is considered a material breach, specifically: paragraphs 173 and 174 of Code 3; paragraphs 46 and 47 of Code 5; paragraphs 48 and 49 of Code 6; and paragraphs 173 to 186 of Code 14.</p><p>In addition, TPR publishes regular assessments of its automatic enrolment compliance and enforcement activities as well as an annual commentary and analysis report, both of which are available on its website.</p> answering member printed Baroness Buscombe grouped question UIN HL11219 HL11220 HL11222 question first answered 12/11/2018 16:59:44 answering member 3349 label Biography information for Baroness Buscombe
tabling member	4533 label Biography information for Baroness Altmann

1002201

registered interest
date	05/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether they intend to put procedures in place to (1) monitor error rates in auto-enrolment contribution records, and (2) assess the proportion of schemes which have taken steps to correct those errors.
tabling member printed	Baroness Altmann
uin	HL11222
answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>Government has put in place a robust, proportionate, compliance framework for automatic enrolment which ensures that the vast majority of employers are meeting their legal duties, including: declaring compliance, accurately paying contributions and passing contributions to their chosen pension scheme. This framework is backed by statutory powers which enable the Regulator to compel compliance with the law.</p><p>Employers, trustees, managers and providers must keep records including details of the pension contributions payable in each relevant pay reference period by an employer to the scheme, and the amount payable. This includes the contributions due on the employer’s behalf and deductions made from an individual’s earnings.</p><p>The Pensions Regulator (TPR) has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions, provide information to help members check their contributions and report material payment failures to TPR. The codes set out what is considered a material breach, specifically: paragraphs 173 and 174 of Code 3; paragraphs 46 and 47 of Code 5; paragraphs 48 and 49 of Code 6; and paragraphs 173 to 186 of Code 14.</p><p>In addition, TPR publishes regular assessments of its automatic enrolment compliance and enforcement activities as well as an annual commentary and analysis report, both of which are available on its website.</p> answering member printed Baroness Buscombe grouped question UIN HL11219 HL11220 HL11221 question first answered 12/11/2018 16:59:44 answering member 3349 label Biography information for Baroness Buscombe
tabling member	4533 label Biography information for Baroness Altmann

990463

registered interest
date	18/10/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether they require employers and pension providers to report on errors in contributions paid; what penalties can be imposed if the wrong contributions are paid for workers in automatic enrolment; and what measures they plan to take to monitor the accuracy of pension contributions.
tabling member printed	Baroness Altmann
uin	HL10796
answer	answer is ministerial correction date of answer 31/10/2018 answer text <p>Automatic enrolment has been a great success, with over 9.9million employees enrolled and more than 1.3 million employers having met their duties to date. Government has put in place a robust, proportionate compliance framework. This is administered by The Pensions Regulator, and includes detailed regulatory guidance about how to comply with the law. An employer is required to select a qualifying pension scheme; enrol qualifying staff into that scheme, and deduct any contributions payable under automatic enrolment.</p><p>Employers are also required to pay those contributions across to their chosen pension provider by a set deadline. Although the deadlines for contribution payments vary, depending on the type of scheme being used, there is an overall legal deadline of the twenty-second day of the following month; which aligns with the HMRC deadline for paying tax and National Insurance.</p><p>With the introduction of the employer duties in 2012, there is a legal requirement on employers, trustees, managers and providers to keep certain records including the contributions payable in each relevant pay reference period by an employer to the scheme, and the amount payable. This includes contributions due on the employer’s behalf and deductions made from earnings.</p><p>The records an employer must keep will enable them to prove that they have complied with their duties and to help check or reconcile contributions made to the pension scheme.</p><p>Qualifying pension schemes for automatic enrolment are subject to the same regulatory framework as all trust-based workplace pension schemes, also overseen by The Pensions Regulator. The Regulator has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions; provide information to help members check their contributions; and report material payment failures to the Regulator.</p> answering member printed Baroness Buscombe question first answered 31/10/2018 15:15:29 answering member 3349 label Biography information for Baroness Buscombe
tabling member	4533 label Biography information for Baroness Altmann

990129

registered interest
date	17/10/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to check the accuracy of contributions being paid into pension schemes under automatic enrolment.
tabling member printed	Baroness Altmann
uin	HL10751
answer	answer is ministerial correction date of answer 31/10/2018 answer text <p>Automatic enrolment has been a great success, with over 9.9 million employees enrolled and more than 1.3 million employers having met their duties to date. Government has put in place a robust, proportionate compliance framework. This is administered by The Pensions Regulator, and includes detailed regulatory guidance about how to comply with the law. An employer is required to select a qualifying pension scheme; enrol qualifying staff into that scheme, and deduct any contributions payable under automatic enrolment.</p><p> </p><p>Qualifying pension schemes for automatic enrolment are subject to the same regulatory framework as all trust-based workplace pension schemes, also overseen by The Pensions Regulator. The Regulator has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions; provide information to help members check their contributions; and report material payment failures to the Regulator.</p> answering member printed Baroness Buscombe question first answered 31/10/2018 17:03:56 answering member 3349 label Biography information for Baroness Buscombe
tabling member	4533 label Biography information for Baroness Altmann

990130

registered interest
date	17/10/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to ensure that a proper audit of the accuracy of a master trust's pension contribution records has taken place before it is permitted to exit the market or merge with another trust.
tabling member printed	Baroness Altmann
uin	HL10752
answer	answer is ministerial correction date of answer 31/10/2018 answer text <p>Trustees are required to act in accordance with their fiduciary duties to the beneficiaries of the scheme, as well as legislative requirements. This includes running and managing the scheme, and ensuring the accuracy of the scheme’s contribution records.</p><p> </p><p>The Pension Schemes Act 2017 introduced a requirement for Master Trust schemes to notify the Pensions Regulator if they intend to exit the market prior to the introduction of the new authorisation and supervisory regime from October 2018 and for the Regulator to have close oversight of the process.</p><p> </p><p>The new authorisation and supervisory regime for Master Trusts requires that Master Trusts demonstrate to the Pensions Regulator that they have effective systems and processes. This includes whether the scheme can process transactions, including contributions, automatically and securely and whether it has the capability to carry out data reconciliations against transactions.</p><p> </p><p>Master Trusts must be able to quickly identify missing contributions and have a process in place to rectify any issues. The Regulator has a separate Code of Practice on the payment of contributions and can take action where contributions are not invested.</p><p> </p><p>Where a Master Trust exits the market the trustees must submit a detailed implementation strategy to the Regulator for approval. This includes details of how scheme pension contributions will be handled. Trustees are required to comply with the implementation strategy to the satisfaction of the Regulator.</p><p><strong> </strong></p><p> </p> answering member printed Baroness Buscombe question first answered 31/10/2018 15:13:30 answering member 3349 label Biography information for Baroness Buscombe
tabling member	4533 label Biography information for Baroness Altmann

934470

registered interest
date	03/07/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what measures they have put in place to ensure auto-enrolment pension records are accurate; and what checks they require pension schemes to undertake to ensure the contribution payments are correct.
tabling member printed	Baroness Altmann
uin	HL9151
answer	answer is ministerial correction date of answer 10/07/2018 answer text <p>Automatic enrolment has been a great success, with over 9.7 million employees enrolled and more than 1.2 million employers have met their duties to date. Government has put in place a robust, proportionate compliance framework. This is administered by The Pensions Regulator, and includes detailed regulatory guidance about how to comply with the law. An employer is required to select a qualifying pension scheme; enrol qualifying staff into that scheme, and deduct any contributions payable under automatic enrolment.</p><p> </p><p>Employers are also required to pay those contributions across to their chosen pension provider by a set deadline. Although the deadlines for contribution payments vary, depending on the type of scheme being used, there is an overall legal deadline of the twenty-second day of the following month; which aligns with the HMRC deadline for paying tax and National Insurance. <br></p><p>Qualifying pension schemes for automatic enrolment are subject to the same regulatory framework as all trust-based workplace pension schemes, also overseen by The Pensions Regulator. The Regulator has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions; provide information to help members check their contributions; and report material payment failures to the Regulator.</p> answering member printed Baroness Buscombe grouped question UIN HL9152 question first answered 10/07/2018 15:47:57 answering member 3349 label Biography information for Baroness Buscombe
tabling member	4533 label Biography information for Baroness Altmann

934471

registered interest
date	03/07/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they have taken to ensure pension schemes have an obligation to assess auto-enrolment pension scheme contributions regularly for accuracy, and to monitor error rates in contribution data; and what reassurance they are giving to members of such schemes that the amounts paid in on their behalf by their employers are correct.
tabling member printed	Baroness Altmann
uin	HL9152
answer	answer is ministerial correction date of answer 10/07/2018 answer text <p>Automatic enrolment has been a great success, with over 9.7 million employees enrolled and more than 1.2 million employers have met their duties to date. Government has put in place a robust, proportionate compliance framework. This is administered by The Pensions Regulator, and includes detailed regulatory guidance about how to comply with the law. An employer is required to select a qualifying pension scheme; enrol qualifying staff into that scheme, and deduct any contributions payable under automatic enrolment.</p><p> </p><p>Employers are also required to pay those contributions across to their chosen pension provider by a set deadline. Although the deadlines for contribution payments vary, depending on the type of scheme being used, there is an overall legal deadline of the twenty-second day of the following month; which aligns with the HMRC deadline for paying tax and National Insurance. <br></p><p>Qualifying pension schemes for automatic enrolment are subject to the same regulatory framework as all trust-based workplace pension schemes, also overseen by The Pensions Regulator. The Regulator has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions; provide information to help members check their contributions; and report material payment failures to the Regulator.</p> answering member printed Baroness Buscombe grouped question UIN HL9151 question first answered 10/07/2018 15:47:57 answering member 3349 label Biography information for Baroness Buscombe
tabling member	4533 label Biography information for Baroness Altmann

897109

registered interest
date	02/05/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Workplace Pensions
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what action they are taking to support those businesses that will find it difficult to manage the increase in minimum contributions for automatic enrolment pensions for their staff.
tabling member printed	Lord Taylor of Warwick
uin	HL7533
answer	answer is ministerial correction date of answer 09/05/2018 answer text <p>Automatic enrolment was introduced to address the fact that millions of people were not saving enough for their retirement, and with the aim of making saving for later life normal for most people in work. It has been a great success with over 9.5 million workers enrolled into pension saving and more than 1.1 million employers having met their duties to date. Reforms on this scale represent significant change, and we particularly recognise the crucial role that employers of all sizes are playing in delivering them.</p><p> </p><p>The independent Making Automatic Enrolment Work review in 2010 specifically considered the impact of the policy on employers and changes to reduce burdens were implement in the Pensions Act 2011.</p><p><br>The planned increases to the statutory minimum contributions - known as <em>phasing</em> - were built into the automatic enrolment reforms from the start. The initial minimum employer contribution of 1 per cent increased to 2 per cent in April 2018. An employer is free to pay more than the minimum at any time, and many are already doing so. There has been a long lead in time to enable employers and individuals to prepare for these increases, with support and communications from the Pensions Regulator and DWP. The increased contributions were scheduled to coincide with changes to take home pay which normally take place at the start of the tax year, to help minimise the administrative burden for employers.</p><p><br>Government is closely monitoring the impact of the increases on both employers and individuals to inform our approach to supporting the second planned increase in contributions from April 2019.</p> answering member printed Baroness Buscombe question first answered 09/05/2018 13:29:00 answering member 3349 label Biography information for Baroness Buscombe
tabling member	1796 label Biography information for Lord Taylor of Warwick