An overview

The introduction of Auto Enrolment requires ABF to enrol employees into a pension scheme and deduct contributions from their pay.

However, because ABF has certain rules to follow, you will be treated slightly differently depending on what group you fall into and if you work for Foods or Retail. 'Foods' refers to all employees with the exception of Fortnum and Mason employees who joined the Scheme after 28 November 2014 and all Primark employees. 'Retail' refers to Fortnum and Mason employees who joined the Scheme after 28 November 2014 and all Primark employees.

In summary:



Employees are categorised into three groups

  • Eligible jobholders
  • Non-eligible jobholders
  • Entitled workers

1 February 2013 onwards:

Employees auto enrolled

Foods

All groups of employees are automatically enrolled into the Pension Scheme but they can opt out if they wish.

You pay in

You will start by contributing 4% of your earnings every time you are paid. This money gets added
to your pension account.

ABF
pays in

ABF will match this by adding in an extra 4% even though ABF is not required to. This gives you a total of 8% in your pension account.

Other great benefits too

As a member, you are also covered for death in service and ill-health benefits once you have
completed a short medical questionnaire.

Opting out

If you are automatically enrolled, you do have the chance to opt out. But, you may be re-enrolled in the future. This is explained in the Opting out section.