Add your people
New joiner
- Employee
Ciara Doyle
Start date · 1 October
- Company pension
Scheme
Occupational pension
- 5% total
Contributions
From the first day
Enrolled from day one
Invest · Auto-enrolment
Auto-enrolment, on your terms
Cover every employee with your own occupational pension from their first day, and set your own contributions above the legal minimum instead of following My Future Fund’s fixed rates.
Yonder Technology Limited, trading as Kota, is regulated by the Central Bank of Ireland. Kota's pension services in the UK are provided by Smart Pension, which is regulated by The Pensions Regulator. These services are not regulated by Innovative Risk Labs Ltd or by the Financial Conduct Authority.
Benefits / Pension
Company pension
Active- Employees enrolled
- 46
- Employer contribution
- 3%
- Monthly contributions
- €11,520.00
Members
- AMAlice MorganEnrolled
- SMSam MurphyEnrolled
- JEJamie EllisEnrolled
- NDNina DuboisEnrolled
- JvDJasper van DijkEnrolled
Why run your pension through Kota?
Control
Set your own contribution
Set your employer rate instead of the fixed rates the government scheme uses, as long as you meet the minimum standards. Employees can add more if they want to.
Day one
Covered from the first day
New joiners are added from your HRIS on their first day, so contributions can start from day one.
Experience
A pension people can see
Employees view their pension and change their contributions in the Kota app, without emailing HR.
Admin
No new process to learn
Kota handles enrolments, contribution changes and provider updates, so your team doesn’t have to master a second system.
Aboutauto-enrolment
- What is auto-enrolment?
- Ireland’s government retirement savings scheme, My Future Fund. Since 1 January 2026, eligible employees without a pension through payroll are enrolled automatically. Employee and employer each pay 1.5% of gross pay to start, and the State adds 0.5%. Rates rise every three years, reaching 6% each from year 10.
- Who gets enrolled?
- Employees aged 23 to 60, earning €20,000 or more a year across all their jobs, who aren’t paying into a pension through payroll. NAERSA, the body that runs the scheme, works this out from Revenue payroll data. Employees outside those limits can opt in.
Your pension,your way.
Run your own occupational pension through Kota, with every employee covered from day one and contributions you set.
How Kota runsyour pension
Kota syncs your HRIS with your pension provider, so every new joiner goes into your scheme on their first day.
Government scheme oryour own pension?
How My Future Fund compares with an occupational pension run through Kota.
Fixed or flexible
Contributions
My Future Fund sets the rates by law, starting at 1.5% each. With your own scheme, you set the employer rate.
AVCs
Top-ups
My Future Fund has no additional voluntary contributions. In an occupational pension, employees can top up through payroll.
Retirement age
Access
My Future Fund pays out from State Pension age, currently 66. Occupational pensions pay out at the retirement age set in the scheme rules.
Who owns it
Experience
My Future Fund runs through a government portal. Your own scheme sits in the Kota app, next to the rest of your benefits.
Who runs it
Admin
With your own scheme in Kota, enrolments and contribution changes sync automatically from your HRIS.
Kota sources the providers and agrees the terms, so you don’t have to.
What doesauto-enrolment cost?
Under My Future Fund, the employer rate rises every three years. Here’s what shapes the cost:
01
The contribution phase
Employers pay 1.5% of gross pay in years 1 to 3, then 3%, 4.5% and finally 6% from year 10, matching the employee.
02
The earnings cap
Contributions apply to gross pay up to €80,000 a year. Pay above that isn’t counted.
03
Who’s eligible
Employees aged 23 to 60 earning €20,000 or more, with no pension through payroll. Others can opt in, and you match them too.
04
Opt-outs and suspensions
If an employee opts out or suspends their contributions, your employer contribution stops as well.
Example scenario
An employee earns €45,000. In years 1 to 3 of My Future Fund, you pay 1.5%, or €675 a year, and so do they. From year 10 you’d pay 6%, or €2,700 a year. With your own scheme you set the rate, as long as combined contributions reach at least 3.5% of gross pay, with at least 1.5% from you.
Illustrative only.
Auto-enrolment in Ireland and the UK
Ireland
My Future Fund started on 1 January 2026 and is run by NAERSA. Employees aren’t enrolled if they’re in a pension through payroll that meets minimum standards: for a defined contribution scheme, at least 3.5% of gross pay in total, including 1.5% from the employer. In Ireland, Kota works with several pension providers, including Irish Life and Zurich.
United Kingdom
Auto-enrolment has applied since 2012. Employers enrol eligible workers into a qualifying scheme and pay at least 3% of qualifying earnings, with 8% the minimum in total. Kota’s UK scheme with Smart Pension is set up to meet these requirements.
“To make sure they’re exempt from Auto Enrolment, employers will need to make sure they’re contributing for all employees from the day they’re hired.”
How it works in Kota
Your scheme, running from day one.
Set your contribution
Choose your employer rate, then create a new occupational pension or import the one you have.
Everyone’s enrolled on day one
New joiners are added from your HRIS, so contributions start from their first day.
Kota runs it
Contribution changes, leavers and payroll figures sync with your provider automatically.
Frequentlyasked questions
- Who runs auto-enrolment?
- NAERSA, the National Automatic Enrolment Retirement Savings Authority. It enrols eligible employees, collects contributions and invests the savings. Employers register and pay through the My Future Fund portal using their ROS details.
- How does NAERSA know who to enrol?
- It uses Revenue payroll data to check each employee’s age, earnings and whether they’re already paying into a pension through payroll.
- What if we already have a company pension?
- Employees in a pension run through payroll aren’t enrolled if it meets the minimum standards. For a defined contribution scheme, that’s at least 3.5% of gross pay in total, with at least 1.5% from you. Anyone your scheme doesn’t cover can still be enrolled.
- Can employees opt out?
- Yes. Employees can opt out during a two-month window after six months of membership, or suspend their contributions. Anyone who opts out is re-enrolled after two years if they’re still eligible.
- Can employees who aren’t eligible join?
- Yes. Employees earning under €20,000, or aged under 23 or over 60, can opt in if they’re not already in a pension through payroll. You match their contributions like anyone else’s.
- Can Kota choose the option for us?
- No. Kota is a non-advised broker. We set up and run your scheme, and give you the information to make your own decision.
Focus on the outcomes,not the admin
See how an occupational pension runs in Kota before you decide. No pressure, no obligation.
