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Auto-Enrolment Pension Scheme (Ireland)

Supporting Irish Employers with the New Workplace Pension Requirements

A major change is on the horizon for Irish businesses. The Irish government's Automatic Enrolment (AE) Retirement Savings System, starting in September 2025 is designed to enhance pension coverage among employees without existing workplace pension schemes. At Financial Health, we’re here to guide you through what this means for your business, and ensure you're fully prepared to meet your obligations with ease and confidence.

 
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What Is Auto-Enrolment in Ireland?

Auto-enrolment is a new retirement savings system being introduced by the Irish Government. It will automatically enrol employees who aren’t already in a pension scheme into a state-supported workplace pension.

Here’s a quick overview:

  • Eligible Employees: Aged between 23 and 60, earning over €20,000 annually, and not already in an occupational pension scheme.

  • Employee Contributions: Automatically deducted from salary.

  • Employer Contributions: You will be required to match your employee’s contributions (up to a set limit).

  • State Contributions: The Government will top up each contribution, offering further incentive for employees to save.

 
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Money Milestones

The money milestone guide outlines the ideal approach to financial well-being from aged 20 all the way up to retirement.

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What Employers Need to Know

As an employer, you will be legally required to:

  • Automatically enrol eligible employees

  • Deduct and remit pension contributions

  • Match employee contributions (within limits)

  • Maintain accurate records

  • Stay compliant with the Central Processing Authority (CPA), the new body overseeing the scheme

    Failure to comply could result in fines or penalties, so it’s crucial to be prepared early.

 

How We Can Help

We provide tailored support for Irish businesses to meet their auto-enrolment obligations:

1. Employer Readiness Review
We assess your current payroll setup and workforce to ensure you’re ready for implementation.

2. Payroll Integration
We’ll ensure your payroll system is updated to handle deductions, employer matching, and reporting accurately.

3. Ongoing Compliance Support
We’ll monitor changes, manage re-enrolment duties, and keep your business fully compliant.

4. Employee Communication
We help you clearly communicate changes to your staff and answer any questions about the scheme.

5. Dedicated Support Team
From onboarding to day-to-day queries, our experienced team is just a call or email away.

 
 
 

Be Proactive – Prepare Today

The Auto-Enrolment Pension Scheme is coming — and while it's a positive move for long-term financial wellbeing, it brings new responsibilities for you as an employer. The earlier you prepare, the smoother the transition for you and your employees

 
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