To ask how much your employer contributes to your pension if you are PRIVATE sector

[NotyouagainWilliam]

Currently my employer contributes the minimum to my pension through auto-enrolment. Think it's 3% or thereabouts.

I want to ask them to contribute more but know they will be resistant and don't really know what I should aim for.

I'm senior management on £65k (I'm not in London before anyone tells me I'm earning a pittance )

Matches what we pay upto 7.5%.

Mine matches up to 10%. I'm moving to a new employer which matches up to 6%.

3% auto enrolment. It's a bit shit tbh.

In jobs I've had it's varied between 5% and 10%. Current job pays 8% but am shortly moving to one that pays 10% again. 3% is very stingy for a management role I'd say.
How much do you contribute as well?

Hi htere.

Varies from company to company. One of the perks of being in "senior" management used to be better pension matching as well as basic salary.

Usual minimum is to match up to 3% (you put in 3%, employers match and put in 3%).

Some place I have worked have done a 2 for 1 - every 2% you put in, they add 1%, up to a maximum of 6% on their side - thus 12% by you, 6% by them was the max).

All I can suggest is that you treat it like any other benefit, and negotiation on that basis - holidays, car allowance, child care, pensions etc. In general (obviously), the larger the company, the more "fixed" they will be on what they can offer.

I would say that if you are in a profession in demand at the moment, now is a good time to be asking...

Good luck

10%

Currently £58k basic + variable. Employer pays 10% of basic only, I pay min 3.5% but normally I pay 5% with the odd lump sum at the end of the tax year.

10% then matches up to 7% so can total 24%

I salary sacrifice 25% of my salary because I'm very late starting my pension and panicking!

My profession is in demand so that might give me some leverage...

I think they’d give you a pay rise more readily than a pension contribution increase, unless it’s quite a small firm who are interested in reducing their own employer NI liability too.

In my - large - company, no way would there be an option to deviate from the standard offering, it wouldn’t be simple to put different rules in place for individuals.

If you do approach them, quantify the Employer NI saving for them as part of your argument.

6%, plus a share of profits at year end (there's some tax benefit to that, I gather.)

3% joys of agency work!

I pay 6%, company double matches (ie 12%)...so 18% in total

10% plus it will match up to 5% of my own salary sacrifice.

DH - 5% which is a bit shit, he negotiated a higher starting salary because they wouldn't shift on that, and he contributes 7%, plus into an isa for a general retirement/whatever fund.

(I'm on DB)

I pay 10% and employer pays 27%

I know I am very fortunate.

11%

4% but once I’ve been there 3 years it can go up to 12.5%.

Ours is really good, if we've been there years it's something like 12% if we put in 5%.. but they probably pay less than industry average, I know I could get 20% more moving elsewhere (but have more stress and pressure(

DH's employer offers a 2 for 1 pension contribution. They pay in double what he does up to a maximum of 6% (so a total of 18%).

28%

• sorry clicked send too soon

28 % from me 7 % from them !

They double up to 8%, so the norm is 4% + 8%. The 8% is the highest they go though, so I'm paying 10% + they still pay 8%.

Company puts in 6% if we put in 3% going up to 10% after 3 years. I actually put in 25% salary scrafice but i am mid 50's looking to retire in the next few years so am putting in as much as possible.

I pay 6%, company pays 12% (this is their limit, they will double whatever you put in up to 6/12%)