The different way peoples' pension contributions are calculated risks cutting low earners out of auto-enrolment (AE) according to the pensions minister.
Speaking at today's annual Trades Union Congress (TUC) conference on pensions, Baroness Ros Altmann explained that employees on low incomes could lose as much as 20% to 25% in tax relief on their contributions.
This was if their contributions were calculated on net pay arrangements (NPA) where gross contributions are deducted from pre-tax pay, compared to relief at source (RAS) where net contributions are deducted from post-tax pay.
One advantage of RAS is that low earners, even if they do not pay tax, still make contributions net of basic rate tax and their contributions are still grossed up by providers.
She said: "We must help the smaller employers. The type of scheme your employer chooses for you can be crucial for the pensions of the low paid."
While millions of workers had been enrolled since 2012, Altmann was adamant there was still a long way to go over the next several years.
Altmann added: "We want people to have a good experience of saving into a pension. If they don't, will this policy succeed? I don't think it will. There is a huge opportunity and huge challenges for the pensions industry. AE at the minimum is really just a start."
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