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Invest · Pension

Workplace pensions, from payroll to projection

Kota’s team places your workplace pension, then runs enrolment and contributions every pay run. So admin is no longer the blocker.

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 / Workplace pension

Pension

Active
Members
42
Employer rate
5%
This month
£1,816

Members

  • SMSam MurphyEnrolled
  • PSPriya ShahEnrolled
  • TRTom ReidUpdated
  • NWNoah WilliamsEnrolled
  • ESEmma StuartEnrolled

A pension that shows them what you put in

With Kota, your team sees their savings grow every pay run, so pension questions stop landing with you.

Good evening, Alex
Here is your breakdown

Pension

Contribution(monthly)
£180.88
Company
£123.99
Personal
£60.99

Irish Life HealthKick-off Plan ILH

Save

Contribution(monthly)
£180.88
Company
£123.99
Personal
£60.99

Irish Life HealthKick-off Plan ILH

9:41

Annual compensation

£55,750

Pension

Contribution(monthly)
£180.88
Company
£123.99
Personal
£60.99

Irish Life HealthKick-off Plan ILH

Save

Contribution(monthly)
£180.88
Company
£123.99
Personal
£60.99

Irish Life HealthKick-off Plan ILH

BenefitsSpend

Their pension.In real numbers.

Their savings. Your contributions. And an agent that handles the rest.

Enabling your team to

How much is in my pension?

£38,400. You and your employer have paid in £28,400, and the rest is growth.

Pension pot · Today

Your pension

£38,400

Paid in£28,400
Growth£10,000

Your pension

How a workplace pension works on Kota

Start a new scheme,or keep the one you have

Country

Provider

Annual management charge

UK

Smart Pension

0.40%

Ireland

Irish Life

0.75%

Ireland

Zurich

Variable

The annual management charge (AMC) is set by the provider and comes out of each employee’s pension.

Ready to set one up? Our benefits team places your scheme with Smart Pension.

Happy with your current insurer? Appoint Kota and the policy stays as it is.

Keeping it in order

Assessment

Kota checks eligibility every pay run, and opt-outs are processed on time.

Re-enrolment

Kota runs re-enrolment every three years and prepares the figures for your declaration. You submit it.

Payment deadlines

Kota sends contribution figures to your provider every pay run.

“People think they have to deal with brokers and paperwork, but that is not the case with Kota. It really works from an employee engagement perspective.”

Niamh LangtonStudio Manager, &Open

A few thingsworth knowing.

Can we keep our current provider?

Yes. Appoint Kota and nothing about your scheme changes.

What happens when someone leaves?

Contributions stop on their last pay run, and their pension stays theirs with the provider.

How do we add or remove people?

Kota connects to your HRIS, so joiners are enrolled and leavers come off on their own.

Can employees opt out?

Yes, in the app, within a month of being enrolled, and their contributions are refunded. They’re re-enrolled every three years, as the law requires.

What does it cost?

Your contributions, plus Kota’s per-employee fee. The provider’s annual management charge comes out of each employee’s pension.

What is an annual management charge, and why does it matter?

It’s the yearly fee your pension provider takes from each employee’s savings to manage the funds. Small differences compound over a career, so a lower rate leaves more for retirement. Kota’s rate with Smart Pension is 0.40%.

What is a workplace pension?

A pension a company sets up for its people, paid into from payroll by the employee and the company, with tax relief on what goes in.

Your benefits, in one system

One activity feed.One payroll report a month.One app for your team.One platform fee per employee.

Benefits your team notices.Admin you don’t.