Lowering costs

Salary sacrifice (or exchange)

This is a government-approved process that’s been used by many large employers. In short, by reducing the employee’s salary by the amount of their pension contribution, national insurance contributions aren’t payable on the amount of salary given up or ‘exchanged’. Both you and your employees are better off as a result. Take a look at how much you could save:

Annual Employer Pension Cost Savings

Employees Up to 30.09.17 From 01.10.17 From 01.10.18
50 £1,437 £4,312 £7,187
250  £7,187 £21,560 £35,935
500 £14,375 £43,120 £71,870


You can choose to delay when you start auto enrolment by up to three months. Not just at outset, but also for all new employees. This can create significant cost savings too:
The examples shown here are based on employees earning national average earnings with minimum contributions for auto enrolment being paid.
Employees 50 250 500
Saving £2,604 £13,020 £26,040

Meet the team

The Quadros Financial Solutions team in Derby & Burton on Trent has many years’ experience providing practical financial planning advice to people, families & businesses throughout the UK.

Get in touch

If you have any questions or would like to have an initial chat, please call on Derby 01332 505 990, Burton on Trent 01283 347 154 or email:

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