Your Company Pension Deadline won’t wait.
In Ireland, we live by the phrase “Sure it’ll be Grand”. But when it comes to deciding between Auto Enrolment and a Company Pension Scheme time is running out. Auto-enrolment launches in Ireland in January 2026, ready or not, employers and employees will be legally required to contribute to a pension scheme.
That’s why we’re making it simple. No jargon. No pressure. Just the facts—and the pension options that may be better for you and your employees.
Auto Enrolment vs. Company Pension Scheme
Ireland’s new Auto Enrolment Retirement Savings System is launching in January 2026. While it’s designed to solve the pension coverage gap, it comes with limited flexibility, modest early contributions, and reduced tax advantages—especially for higher earners.
Imagine offering your team a pension scheme that outperforms the government default: greater value, smarter tax benefits, and customised to your business needs. You don’t just meet regulations— you lead.
By setting up a company pension scheme now, you give your company options. Whether starting fresh or improving your current setup, you can opt out of the default system and design a pension scheme that works best for your employees.
DOWNLOAD THE AUTO ENROLMENT VS. COMPANY PENSION SCHEME: PDFBenefits of setting up a company pension scheme
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Higher Tax Relief
Company Pension Scheme contributions qualify for income tax relief* up to 40% for higher rate taxpayers—far more valuable than the 25% equivalent in Auto Enrolment.
*Single taxpayer – €44,000@20%, Balance@40%
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Early Retirement Flexibility
Employees can access pension benefits from age 50—unlike Auto Enrolment, which locks access until age 66.
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More Investment Choice
Company Pension schemes offer a wider range of funds and active/passive strategies—tailored to risk preference and retirement goals.
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AVCs Allowed
Company schemes permit Additional Voluntary Contributions (AVCs)—letting employees top up their pension pot over time.
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Flexible Contribution Rates
Employers can set their own contribution levels beyond the AE scheme limits, boosting benefits for valued staff.
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Better Death-in-Service Benefits
If an employee passes away, Company Pension schemes can provide up to 4x salary tax-free plus personal contributions—a significant uplift compared to AE.
Why Choose Campion Insurance for Pension Advice?
With over 40 years of experience, 20+ offices nationwide, Campion Insurance is one of Ireland’s largest insurance brokers offering expert financial advice. Our clients stay with us—because we put their future at the centre of everything we do.
For Businesses: Smarter Group Pension Schemes
Whether you’re a small business or a large corporate, a well-structured group pension scheme is no longer optional—it’s essential. With Auto Enrolment launching in 2026, employers are facing key decisions that affect their team’s future and their company’s tax efficiency.
At Campion Insurance, we help Irish employers:
- Set up or upgrade company pension schemes
- Avoid the limitations of Auto Enrolment by opting for customised plans
- Enhance employee retention and recruitment through better benefits
- Navigate employer contributions, governance, and tax advantages seamlessly
Campion Insurances Limited trading as Campion Insurance, PIB Global and Bestquote.ie is regulated by the Central Bank of Ireland. Registered Office: Otter House, Modern Plant Building, Naas Road, Dublin 22. Company registration no. 269654
Content © Campion Insurance 2026
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