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Our new powers to protect savers in master trusts
 

We welcome the Government’s Pension Schemes Bill, which gives us tough new powers to regulate master trusts. For the first time, we will have the power to authorise and de-authorise master trusts according to strict authorisation criteria.

Maser trusts video
You can watch a video on our website, where executive director for policy Andrew Warwick-Thompson talks about the new powers and what they mean.
 

250k employees have now been re-enrolled

Our latest monthly report shows the latest numbers around  automatic enrolment (AE), including how many employers have met their duties, and the number of workers who have been automatically enrolled.



As of April 2016, we also include information about employers who have complied with their re-enrolment duties. At the end of September 2016, over 250,000 employees had been re-enrolled into an AE pension scheme. 

Threat of our avoidance powers protects members’ benefits

The threat of using our powers acted as a deterrent in a DB case to ensure members receive their full benefits following the sale of a business.

Our whole report describes how we became involved, and the negotiations that took place to get a good result for members.

Our latest blog posts are live
 

We launched our blog last month, and you can read the latest posts from our senior staff on our website. 


This month, executive director for policy Andrew Warwick-Thompson welcomes our new powers to regulate master trusts, executive director for automatic enrolment (AE) Charles Counsell talks through the latest AE figures, and chief executive Lesley Titcomb talks about the challenges of protecting pension schemes in a changing environment.

TPR Blog
Trustees fined for scheme return failures

Trustees of the Bodyworks Ltd Retirement Benefit Scheme and M Holleran Ltd Pension Plan were each fined £300 for failing to provide us with a scheme return by the date set out in the scheme return notice. Read about what happened in our report

We can fine each trustee who has failed to take all reasonable steps to provide a scheme return on or before the date, up to a maximum penalty of £5,000 on an individual and up to £50,000 in other cases, such as corporate trustees. 

New guide simplifies retirement options language

Help your scheme members better understand their retirement options by using the language in this new guide in your communications. 

Published by the Association for British Insurers, and supported by government and key pensions industry bodies, Making Retirement Choices Clear suggests plain English, jargon-free alternatives to the technical language found in wake-up packs and other provider literature.
Latest compliance and enforcement figures: penalties on the increase

Our latest quarterly compliance and enforcement bulletin shows a continuing rise in the number of penalties issued, including Escalating Penalty Notices. 

The rise is in line with the sharp increase in employers reaching their deadline to comply with AE duties. Although the vast majority of employers are successful in meeting their duties, the minority of employers who fail to listen to warnings from us are subject to fines. 

The report also highlights that explanations given for non-compliance such as illness, being short staffed or confusion between employers and their advisers are not a ‘reasonable excuse’.  
Taking action in an insolvency case so members receive PPF benefits

We used our powers recently to ensure members of a defined benefit (DB) scheme continued to receive Pension Protection Fund (PPF) compensation after the scheme rules were changed. Read our full report on the case to find out more about the investigation and how we declared the rule change void.

Former trustees of the scheme mistakenly made a change to the scheme rules, which resulted in accrued benefits being calculated on a defined contribution (DC) basis, rather than DB, and meant that those members wouldn’t have been eligible for PPF compensation.
 
 
 

The Pensions Regulator
Napier House
Brighton, BN1 4DW

 
 

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© Copyright 2016 The Pensions Regulator

 
 

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