The auto-enrolment solution for Northern Ireland

Advisers FAQs

Why should I recommend Workers Pension Trust to my clients?

Workers Pension Trust has been developed specifically to meet the needs of auto-enrolment for businesses based in Northern Ireland. The scheme is also open to employers based in other areas of the UK. The scheme administrators have 35 years’ experience in operating a multi-employer trust-based pension scheme for the construction industry (Enhance Construction Pension Scheme Northern Ireland). 

Workers Pension Trust can be implemented as a stand-alone auto-enrolment solution or to complement existing pension arrangements.  We currently administer the pension requirements of more than 5000 companies and thousands of employees.  One of our key strengths is that we provide a local service, we do not use call centres or automated messages.

How is Workers Pension Trust governed?

Workers Pension Trust is set up under trust to ensure that the assets are protected. Workers Pension Trust Limited, a corporate trustee, is responsible for all aspects of Scheme governance on behalf of Members. Workers Pension Trust Limited is a company limited by guarantee. There are no shareholders. The Scheme is governed by a Board of Trustee Directors which includes Professional Trustees and Member Nominated Trustees.

Has Workers Pension Trust achieved Master Trust Authorisation?

In August 2019 Workers Pension Trust became the first Northern Ireland based pension provider to be awarded Master Trust Authorisation from The Pensions Regulator.  Authorisation creates safeguards by ensuring master trusts are run by fit and proper people, have the right systems and processes in place and are financially sustainable. We believe that Master Trust Authorisation will not only further improve the outcomes for our members and participating employers but will also serve to reassure them that Workers Pension Trust is the right provider.  More information can be found here.

How is the Scheme administered?

Workers Pension Trust is jointly administered by Cushon MT NI Ltd (who acquired Construction First Ltd in June 2021) and Mercer. Construction First Ltd had been operating a pension scheme for more than 35 years. Cushon MT NI Ltd currently administers the pension requirements of hundreds of companies and thousands of employees. Mercer is one of the UK's leading Employee Benefits providers.

How does ‘Delegated Access’ work?

Employers may delegate access to someone from outside their organisation, such as an accountant, financial adviser or payroll provider.  A ‘delegated access user’ administers all aspects of the employer’s account within Workers Pension Trust, including:

•    Enrolling workers into the Scheme
•    Processing Opt Out Forms
•    Removing workers from the Scheme
•    Updating employees’ personal information (address, salary changes etc)
•    Processing contribution payments
•    Confirming direct debit amounts
•    Updating the employer’s business and contact information
•    Corresponding with the administrator and Trustee of the Scheme

Employers remain responsible for all actions carried out by a delegated user.  For example, if the delegated user fails to provide the Scheme with pension contributions on time this would remain the employer’s responsibility.

What financial information ratings agencies is Workers Pension Trust listed with?

The Scheme is listed with Defaqto and 360 Financial Services.

How many employers have signed up to Workers Pension Trust to date?

More than 5000 employers from a wide range of business sectors including construction, manufacturing, transport, hospitality, health care and professional services have signed up to Workers Pension Trust.


Join the thousands of other employers who use Workers Pension Trust.

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