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Responses And Submissions
Work and Pensions Select Committee Inquiry: Pensions adequacy – auto-enrolment contributions for low earners and their employers
On Monday 26 October 2026, The Pensions Policy Institute (PPI) responded to the Work and Pensions Select Committee inquiry, Pensions adequacy – auto-enrolment contributions for low earners and their employers.
Our response draws on evidence from PPI’s recent research to explore the extent to which current automatic enrolment (AE) minimum contribution levels are likely to deliver adequate retirement outcomes, particularly for lower earners. It considers the potential impact of increasing minimum contributions, how any additional costs might be shared between employers and employees, and the trade-offs between maintaining financial resilience during working life and building sufficient pension savings for retirement.
The response also examines the potential implications of reforming the Lower Earnings Limit and earnings trigger, highlighting how different approaches could affect pension participation, contribution levels and affordability across the workforce.
PPI Director Chris Curry also provided oral evidence to the Committee on Tuesday 11 November 2026, contributing further insight to its inquiry into pension adequacy and the future of automatic enrolment.
Watch the recording of Chris Curry giving oral evidence to the Committee.
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Pensions Adequacy: Housing, Households and Auto-Enrolment
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Final Report - From Payslip to Pension: Life Course Impacts on Retirement Saving Among Low Earners
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The Underpensioned: Updating the Gender Pension Gap
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20 years on: Expectations vs realities of the Turner Commission
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The UK Pensions Framework - Progress Required for Adequacy: Generational Pressures and Policy Gaps
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The Underpensioned: Defining the Gender Pension Gap
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