Research and analysis

Automatic enrolment opt out rates: findings from qualitative research with employers staging in 2014

Findings from a survey of employers who staged automatic enrolment between January 2014 and July 2014.


Automatic enrolment opt out rates

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Millions of people in the UK are not saving enough for retirement. The legislative changes set out in the Pensions Act 2008, the Pensions Act 2011 and the packages of associated regulations aim to increase private pension saving in the UK.

They form part of a wider pensions strategy designed to ensure that the UK has a pension system that enables individuals to save towards achieving the lifestyle they aspire to in retirement while minimising the burden on employers and industry.

This research release presents findings from a survey of 50 employers with between 90 and 499 workers who have staged automatic enrolment between January 2014 and July 2014.

This release contains information on:

  • opt out rates
  • characteristics of workers opting out
  • reasons given for opting out
  • employer implementation and attitudes towards automatic enrolment
  • lessons for smaller employees

This research follows on from a similar survey of larger employers staging automatic enrolment in 2012 to 2013.

The results of this research form part of the department’s wider evaluation of automatic enrolment, detailed in annual reports. Read the Automatic enrolment evaluation report 2013.

Author: Jim Forsyth Harris

Published 4 November 2014