Announcing our $14.5m Series A 🎉
Auto Enrolment, Sorted.
A once in a lifetime change. Solved over lunch.
Auto Enrolment is a huge change for every Irish business. By setting up an Occupational pension through Kota, you stay in control of how it impacts yours.
We’ve helped 100s of Irish businesses prepare already
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Auto Enrolment is coming
Here’s what you need to know
Employees aged 23-60, earning €20,000 or more, and not part of a pension plan will be enrolled.
The introduction of the scheme, called My Future Fund, will start from 1 January 2026.
As an employer, you'll contribute 1.5% of salary for every eligible employee. Increasing to 6% by 2035.
impact
It’s a great initiative, but there are limitations
Employees get less flexibility
Employees can only contribute 1.5% and access from age 66. Giving them little say in their retirement savings.
You lose control over how it's managed
You get no control over employer contributions or your employees' pension experience.
It's automatic by name, not by nature
You’ll have to up skill your team to field questions and manage an entirely new process.
Thankfully, there’s another option
A lot of companies are choosing to set up an Occupational Pension instead and stay in control.
Auto Enrolment
Occupational Pension
Additional Voluntary Contributions
No
Yes
When can employees access?
Aged 66
Aged 50
Contributions
1.5%
Whatever you want
Control over employee experience
No
Yes
Train team in new processes
Yes
No
Additional Voluntary Contributions
Auto Enrolment
No
Occupational Pension
Yes
When can employees access?
Auto Enrolment
Aged 66
Occupational Pension
Aged 50
Contributions
Auto Enrolment
1.5%
Occupational Pension
Whatever you want
Control over employee experience
Auto Enrolment
No
Occupational Pension
Yes
Train team in new processes
Auto Enrolment
Yes
Occupational Pension
No
“
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.
Trevor Gardiner - Head of Benefits, Kota
how we help
Sidestep all the complexity with Kota
Set up your scheme in minutes
Create your scheme with a minimum contribution to ensure everyone gets it.
Make it truly automatic
Sync your HR tools to instantly add new joiners to the scheme.
Deliver a great employee experience
Employees can access and change their contributions through our app.
Free resources
We’re here to help you prepare
