How will I be affected?

The legislation requires ABF to categorise UK employees into three different groups. Although we don't like to categorise employees, it is something that the regulations state we must do.

The criterias used are an employee’s age together with the level of earnings in a pay period, whether that is weekly, monthly or four-weekly. The earnings thresholds are applied depending on how often the employee is paid.

The three different groups are treated slightly differently in terms of how and when they are auto enrolled and what they are entitled to.

The three groups are:

Eligible Jobholders are UK employees who:

  • are between the ages of 22 and State Pension Age (SPA); and
  • earn above £192 a week (if the employee is paid weekly) or £768 every 4 weeks (if the employee is paid 4 weekly) or £833 a month (if the employee is paid monthly).

The annual earnings figure is £10,000, however this would only apply if an employee was only paid once a year.

Non-eligible jobholders are UK employees who:

  • are between the ages of 16 and 21, or between State Pension Age and 74; and
  • earn above £192 a week (if the employee is paid weekly) or £768 every 4 weeks (if the employee is paid 4 weekly) or £833 a month (if the employee is paid monthly).

The annual earnings figure is £10,000, however this would only apply if an employee was only paid once a year.

OR

  • are aged between 16 and 74; and
  • earn between £6,240 and £10,000 a year

Entitled workers are UK employees who:

  • are aged between 16 and 74; and
  • earn below £6,240 a year

Once you have identified which group you belong to, use the menus on the left to find out how you are affected. ‘Retail' employees are those who work for Primark and Fortnum and Mason employees who joined the Scheme after 28 November 2014. All other employees are 'Foods'. 

All earnings figures quoted are those applicable in the 2020/21 tax year.