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Invest · Pension

Employer pensions, made simple

Set up a workplace pension with Kota, with an app that lets employees see and control their retirement savings.

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

Workplace pension

Active
Members enrolled
128
Employer contribution
5%
Monthly contributions
£38,420.00

Members

  • AMAlice MorganEnrolled
  • SMSam MurphyEnrolled
  • JEJamie EllisEnrolled
  • NDNina DuboisEnrolled
  • JvDJasper van DijkEnrolled

Powering benefits for 100,000+ employees

  • Remote
  • PayFit
  • carwow
  • Poolside
  • Cloudsmith

Make your employer pension engaging, automated and error-free

  • Control

    Give employees control

    Employees change their contributions directly from the app, without emailing HR.

  • Speed

    Make changes quickly

    Cut the back and forth with brokers. Changes go straight to the provider.

  • Accuracy

    Know that it’s working

    You get numbers you can rely on for accurate reporting and payroll.

  • Compliance

    Auto-enrolment, handled

    Schemes qualify for UK auto-enrolment and meet Ireland’s minimum standards, with assessment and enrolment automated. You remain responsible for your employer duties.

About workplacepensions with Kota

Auto-enrolment in the UK
Kota’s UK scheme with Smart Pension is an auto-enrolment compliant occupational scheme, with low annual management charges and auto-adjusted investments. Already have a scheme? Move or import it with Pension Switch.
Auto-enrolment in Ireland
Kota has built a custom solution for Irish auto-enrolment. Contribute to an occupational pension through payroll for all employees from their first day, with at least 3.5% of gross pay in total and at least 1.5% from you, and your employees stay out of the government scheme. In Ireland, Kota works with several pension providers, including Irish Life and Zurich.

A pension your teamcan actually see.

Kota syncs with pension providers, so you can set up, manage and pay your scheme from one platform, and employees get full control of their retirement savings.

See pricingBook a demo

How Kota runsyour workplace pension

Kota syncs your HRIS with your pension provider, so changes are made in minutes, not months.

Create or import

Workplace pension

  • Create new scheme

    Auto-enrolment ready

    Smart Pension

  • Earnings basis

    Qualifying earnings

    3% + 5%

  • Import existing

    Bring your current provider

    Available

Auto-enrolment compliant scheme ready

Start a new scheme,or keep the one you have

  • Ready to set one up? Our benefits team places your scheme with Smart Pension.
  • Happy with your current provider? Kota takes over as your broker and leaves your scheme untouched.

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.

Keeping it in order

United Kingdom

Kota’s scheme with Smart Pension is set up to satisfy auto-enrolment requirements. Employees are enrolled from your HRIS and contributions flow to payroll.

Ireland

To be exempt from the government auto-enrolment scheme, an employee needs to be in a pension run through payroll with at least 3.5% of gross pay in total, including at least 1.5% from you. Covering everyone from their first day keeps new joiners out too. A PRSA not run through payroll won’t qualify.

“Why can’t everything be this easy?! Everything was easy, both on the admin side and for end users.”

Aisling FogartyNine Dots

How it works in Kota

You choose your contribution. Kota does the rest.

  • Choose your contribution

    Set your employer contribution, then create a new scheme or import the one you have.

  • Your people get set up

    Employees are added from your HRIS and set up their pension in the Kota app in under five minutes.

  • Kota runs it

    Enrolments, contribution changes and payroll run on autopilot, synced with your provider.

Frequentlyasked questions

How does auto-enrolment work with my current pension?
In Ireland, employees aren’t auto-enrolled if they’re in a pension run through payroll with at least 3.5% of gross pay in total, including at least 1.5% from you. Covering everyone from their first day keeps new joiners out of the government scheme. A PRSA that isn’t run through payroll won’t qualify. In the UK, Kota’s scheme with Smart Pension is a qualifying scheme for auto-enrolment.
What if I already have a pension scheme?
In the UK, Kota’s Pension Switch lets you move or import your scheme. In Ireland, make sure contributions are at least 3.5% of gross pay in total, including at least 1.5% from you, paid through payroll from each employee’s first day.
What is an annual management charge?
A fee fund managers charge to manage the investments in your pension. Small differences add up over time. The AMC is 0.40% in the UK with Smart Pension. In Ireland, it depends on the provider and scheme you choose.
How is Kota different to a traditional broker?
Kota integrates directly with pension providers, so your employee data syncs from your HRIS to the provider. Changes go through without re-keying them.
Can employees change their contributions?
Yes. Employees change their contributions directly in the Kota app, and the change syncs to the provider and payroll.

Focus on the outcomes,not the admin

See the plans and the price before you decide. No pressure, no obligation.