SMART Pensions

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SMART Pensions

K Bater Consultancy Ltd have teamed up with Smart Pension to provide our customers with a simple, straightforward and transparent auto-enrolment pension.

Workplace pensions

Together we are able to offer:

  1. The fastest way, to set up and manage your company's workplace pension;
  2. An outstanding and highly experienced investment team which delivers a fully diversified pension portfolio for the Master Trust;
  3. The world's largest independent fund administrator, Apex Fund Services, to securely administer and manage your workplace pension;
  4. Independent professional trustees in charge of the Master Trust, to ensure that it serves the interests of the beneficiaries (i.e. you and your employees);
  5. ...all available at zero cost to your business with a Retainer Package.


Frequently Asked Questions

  • Who should be auto enroled?Open or Close

    Salary < £5,824 p.a.:
    Entitled Employee – has the right to ask to be enroled into the Workplace Pension Scheme, but the employer does not have to contribute.

    Salary £5,824-10,000 p.a.:
    Non-Eligible Employee – have the right to opt into the Workplace Pension Scheme and the employer has to contribute.

    Salary > £10,000 p.a.:

    Age 16-22

    Age 22-SPA

    Age SPA-74


    Eligible Employee – will automatically be opted into the workplace scheme


  • Minimum contributionsOpen or Close


    Employer min. contribution

    Job holder contribution (untaxed)


    To April 2018




    April 2018 - April 2019




    April 2019 onwards




  • Calculating minimum contributionsOpen or Close

    We are able to offer two methods to calculate the contributions

    • First Pound Earned
    • Banded Earnings

    First pound earned
    An example basing contributions on First Pound Earned for an employee earning £2,000 per month.

    Each month they contribute £20 (1% of £2,000). You as an employer would also contribute £20 (1%). The total contribution into the Fund is £40. The AMC* is applied on the whole fund.

    *Annual Management Charge (AMC) is 0.75% per year

    Employee pays

    Employer pays


    From your staging date to April 2018




    From April 2018




    From April 2019




    Banded Earnings
    The contributions will only be calculated on earning between £486 - £3,532. Any earning below £486 will not be included within the calculation.

    So for the employee earning £2,000 per month, the contribution will be calculated as 1% of (£2,000 - £486) = £15.14 for the employee. The employer will also pay 1%. The AMC is applied to the whole fund.

    All earning can be included within the calculations including salary, bonuses, overtime, commission and all statutory pay.








    Lower limit








    Earnings trigger








    Upper limit








  • PostponementOpen or Close

    One of the main reasons you might decide to postpone is if you have new, temporary or short-term staff who will stop working for you within three months.

    You can also use it to align automatic enrolment with other business processes, or can choose to postpone automatic enrolment for any other business reason.

    Key Points

    • An employer can postpone automatic enrolment for up to three months from certain dates
    • If your client postpones from their staging date, the staging date does not change
    • If your client chooses to postpone from their staging date, they still have duties (eg they must write to tell the staff who will be postponed, within six weeks of their staging date).

    When you can postpone?

    You can only postpone automatic enrolment from:

    • Your staging date
    • A staff member’s first day of employment
    • The date a staff member first becomes eligible for automatic enrolment

    If you postpone from your staging date, it doesn’t change the staging date.

    Postponing automatic enrolment

    You must write to tell the staff whose automatic enrolment you are postponing. You have six weeks from the date postponement starts to write to them. You can postpone for up to three months and can postpone as many or as few staff as you like and the postponement period doesn’t have to be the same length for everyone.

  • Pension portalOpen or Close

    As well as the employer having access to the pension portal, we also give access to employees through the employee portal.

    Once you have set up a workplace pension with us at Smart, and added your employees to the scheme your employees will receive an email asking them to activate their employee account.

    Once signed in they can:

    • Update personal details, email, password
    • View pension contributions and edit their percentage if they wish to contribute more
    • Access the "Messages" inbox, important letters about the pension are all stored here. We will also send an email to the email address provided to let them know they have a new message to read
    • Select the type of fund that the pension contributions go into. We select the fund based on age, but we have various options should the individual wish to change
    • Access our knowledge bank, with educational videos, guidance and articles regarding auto enrolment and what it means for employees
  • Further information on the investment elementsOpen or Close

    To find out more about the investment elements of a SMART Pension, or to arrange a time for us to call you to discuss this, please This email address is being protected from spambots. You need JavaScript enabled to view it..

  • For further information...Open or Close

    To find out more or to arrange a time for us to call you to discuss this, please This email address is being protected from spambots. You need JavaScript enabled to view it..