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Employer consultation on occupational and personal pension scheme changes: practical compliance checklist (scope, representatives, 60-day process, exceptions, sanctions, restructuring)

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THIS CHECKLIST APPLIES TO OCCUPATIONAL AND PERSONAL PENSION SCHEMES

Is there a requirement to consult employees?

  • Confirm if the scheme operates as a trust-based occupational pension arrangement.
  • Determine whether there are 50 or more employees.
  • Establish if the employer is an excluded employer.
  • Ascertain whether the proposal involves a change that triggers consultation.
  • Consider if the change is to comply with statute (eg age discrimination legislation).
  • Evaluate whether the alteration has a lasting impact on members' benefits.
  • If unsure whether consultation is required, consider checking with the Pensions Regulator.
  • Identify whether there are any affected members.
  • If swift action is necessary (eg to avoid the risk of insolvency), contact the Pensions Regulator to request a waiver of the consultation requirement...
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Web page updated on 20/05/2026

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