Pension Auto-Enrolment Complaint Letter Template & Generator

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, plus a free tool to generate yours.

What this letter needs to cover

• Confirm eligibility (age over 22
• Earnings over threshold
• Working in 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 above the qualifying earnings threshold, 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.

See our full letter template & generator library for related letters, or use our free checkers for guidance specific to your situation.