How Long Should You Keep The Records Of Workplace Pension?


Workplace pensions are a legal requirement for eligible employees in the UK. But beyond enrolment and contributions, there's an equally important aspect employers mustn’t overlook: record keeping.
Maintaining accurate workplace pension records is essential for legal compliance and can protect your business in case of an audit or employee query.
Why Keeping Pension Records Matters
Keeping pension records isn’t just best practice, it’s a legal requirement enforced by The Pensions Regulator (TPR). Failing to keep the right records for the correct amount of time could result in fines or penalties.
These records serve as evidence of:
Employee eligibility
Auto-enrolment actions
Opt-ins or opt-outs
Contributions made
Communications sent to employees
How Long Should You Keep Workplace Pension Records?
The minimum requirement, as outlined by The Pensions Regulator, is:
6 years for most automatic enrolment records
4 years for records of opt-out notices
This includes:
Names and addresses of employees
Dates of birth and National Insurance numbers
Dates of auto-enrolment or re-enrolment
Contributions paid by the employer and the employee
Employee correspondence regarding the scheme
However, keeping records longer (e.g., 7 years) may help with any HMRC or legal disputes that arise later.
What Happens If You Don’t Keep Records?
If you fail to maintain proper workplace pension records, you could face:
Enforcement action by The Pensions Regulator
Penalties for non-compliance
Difficulty resolving disputes with employees or providers
How to Store Records Securely
Since pension records include personal and sensitive information, they must be stored in line with GDPR regulations. Employers should:
Use secure digital payroll software or encrypted systems
Limit access to authorised personnel only
Regularly back up data
Dispose of old data securely when retention periods expire
Let Professionals Handle It
Accurate pension record-keeping is critical, but it can be time-consuming and complicated. Many local businesses rely on Payroll Services in Birmingham to manage workplace pensions, ensuring all records are stored correctly, securely, and in full compliance with legal standards.
Final Thoughts
To stay on the right side of pension legislation, always keep records for at least 6 years—and make sure they’re accurate, up-to-date, and securely stored.
If your payroll and pension admin feels overwhelming, outsourcing to an expert can save time, reduce stress, and prevent costly errors.
Subscribe to my newsletter
Read articles from Thomas Edward directly inside your inbox. Subscribe to the newsletter, and don't miss out.
Written by
