There are three things about NEST and auto-enrolment that are testing my patience as a good-natured pensions geek.
Number one is... ...the question "If I use NEST, does that mean I'm exempt?" Get it straight people. The 2012 pension changes apply whether or not you have an existing scheme or not, and whether you use NEST or not. No employer who employs at least one person will be "exempt". All the employer duties in the Pensions Act and the dozen or so sets of Regulations that go with it apply to ALL employers. Number two is... ...
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