Auto-enrolment is here. We help you set up the right scheme — or improve the one you have.
Expert guidance to help you choose a pension solution that works for both your business and your people.
- Central Bank regulated
- 37 years · since 1989
- Three offices — Limerick, Dublin & Galway
- Trusted financial advisors
- Named, qualified advisers (LIA · IOB · III)
What auto-enrolment actually means for your business
| Phase | Employee | Employer | State top-up |
|---|---|---|---|
| Years 1–3 | 1.5% | 1.5% | 0.5% |
| Years 4–6 | 3% | 3% | 1% |
| Years 7–9 | 4.5% | 4.5% | 1.5% |
| Year 10+ | 6% | 6% | 2% |
Indicative phasing — confirm current rates at implementation.
My Future Fund vs your own scheme
My Future Fund (State scheme)
Your own occupational scheme
Sample scheme structures by company size
10 employees
50 employees
200 employees
Implementation timeline
01What BDS handles
Scheme selection, provider setup, fund choice, employee comms and ongoing reviews.
02What the employer handles
Payroll integration and confirming employee data — we guide you through both.
Employee communications
The bit most employers underestimate. We don’t just help you put a pension scheme in place. We help your employees understand it. We explain how the scheme works, what it means for them and what choices they have, while providing ongoing support when questions come up.
It means your HR team isn’t left answering pension questions, and your employees have a dedicated person they can turn to.
What will auto-enrolment cost my business?
Auto-enrolment adds a new payroll cost for many employers, and this shows you roughly what to expect. Enter your number of employees and their salaries and it works out the employer contribution as the phased rates rise over the first years of the scheme. Use it to budget, and to weigh the State scheme against setting up or improving your own. The figures are indicative; the right scheme depends on your workforce and what you already offer, which is where a 30-minute review with one of the team earns its keep.
Auto-enrolment cost estimator
What employer contributions would cost your business at each phase.
Fill in the fields above and press Calculate.
Auto-enrolment questions, answered
A State-backed pension scheme (My Future Fund) that automatically enrols eligible employees who aren’t already in a qualifying workplace pension, with mandatory employer contributions.
Employees aged 23–60 earning above the threshold who aren’t in a qualifying scheme. We help you identify exactly who is in scope.
Employer contributions phase in over years. Our cost estimator gives a starting figure based on your headcount and payroll.
No. My Future Fund is rigid and fixed by legislation. There is no option for additional contributions, no tax relief on employee contributions and no flexibility on accessing funds before retirement age 66.
Maybe, if it qualifies. We check whether your existing scheme meets the standard or needs adjusting.
Now. Setting up or reviewing a scheme properly takes time, and employee communications shouldn’t be rushed.
We can take on scheme setup, provider liaison and employee communications, so it isn’t all on your payroll team.
There are specific opt-out and re-enrolment rules. We make sure both you and your employees understand them.
Book a 30-minute auto-enrolment review.
Get clear on what you must do, what you should do, and by when.