Pension Auto-Enrolment Complaint Letter: Free Template and What to Include

If you need to complain that your employer has failed to enrol you in a workplace pension, a written letter is the recommended first step — it creates a clear record and shows you're pursuing the matter formally. Below is what a strong pension auto-enrolment complaint should include.

What this letter needs to cover

• Confirm eligibility: aged 22 or over and under State Pension age, earning more than £10,000 a year with that employer, and usually working in the UK
• State the employer's duty under the Pensions Act 2008
• Request immediate enrolment and back-dated contributions
• Note the Pensions Regulator enforcement powers

Your automatic right to be enrolled in a workplace pension

Under auto-enrolment rules, eligible employees must be automatically enrolled into a qualifying workplace pension scheme, with both employer and employee making minimum contributions — this isn't something you need to request, and your employer can't legally avoid this duty for eligible staff.

What to include before you send it

• Confirmation of your age and earnings, showing you meet the eligibility criteria
• The date you believe you should have been enrolled
• A request for immediate enrolment and backdated contributions to cover the missed period
• Reference to your employer's legal duty under auto-enrolment legislation

Who's actually eligible for automatic enrolment

You generally qualify if you're aged between 22 and State Pension age, earn more than £10,000 a year, and work in the UK — if you meet these criteria and haven't been enrolled, this is a clear compliance failure your employer needs to correct.

Frequently Asked Questions

What if I previously opted out — can I still complain about non-enrolment now?
If you genuinely opted out previously, this is different from never being enrolled at all — but you're entitled to opt back in, and your employer must re-enrol eligible staff periodically regardless of past opt-outs.

Can I report this to anyone if my employer doesn't fix it?
Yes — the Pensions Regulator has direct enforcement powers over auto-enrolment compliance and can investigate and penalise employers who fail in this duty.

[Your Name]
[Your Address]
[Your Postcode]
[Your Phone Number]
[Your Email Address]
[Name of HR Manager / Director]
[Company Name]
[Company Address]
[Company Postcode]
[Date]

Dear [Name],

Subject: I have not been enrolled in a workplace pension

I have not been enrolled in a workplace pension, but I believe I am eligible:
• I am aged [age], which is 22 or over and under State Pension age.
• I earn £[amount] a year with you, which is more than £10,000.
• I work in the UK.

Under the Pensions Act 2008 [Northern Ireland: the Pensions (No. 2) Act (Northern Ireland) 2008], you must automatically enrol eligible workers into a qualifying pension scheme and pay employer contributions. I believe I should have been enrolled from [Date].

Please:
• enrol me now;
• pay the missing contributions back to [Date]; and
• confirm this in writing within 14 days.

The Pensions Regulator can take action against employers who do not meet these duties.

Yours sincerely,

[Your Signature]
[Your Printed Name]