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Automatic enrolment

What happens next?

This flowchart will guide you through the automatic enrolment process. Answer the questions to find out if you will be automatically enrolled and when this might happen.

When you start working for the Co-op

You will receive a communication pack explaining the automatic enrolment process and how you'll be affected.

Within one month

The Co-op will assess whether you are eligible for automatic enrolment.

Do you meet the following criteria?

  • are not already an active member of Pace DC; and
  • earn more than £769 in a four-weekly pay period (£10,000 per annum) in 2017/2018;
  • are age 22 or above; and
  • are under the State Pension Age.

If you don't meet the criteria for automatic enrolment

Nothing will happen unless you choose to join Pace DC or become eligible in the future.

The Co-op will assess whether you are eligible for automatic enrolment every pay period.

Your choice

Even if you're not eligible, you can still apply to join any tier of Pace DC and start saving for your retirement.

To find out more about opting out of Pace DC, please read the 'Opting out' section.