Some jobholders may want to have a contribution rate lower than required by law:

• Such jobholders may opt out within the opt-out period, which would entitle them to a refund of any contributions

• As long as the rules of the scheme allow them to contribute at a lower rate, the employer would then make whatever arrangements were required for the jobholder to become an active member again at the reduced Alternatively, the jobholder may decide not to opt out, but instead to complete whatever documentation is required by the scheme to continue membership at a lower rate.

• However, in this case, the jobholder would only be entitled to a refund of any contributions deducted if the scheme rules allowed

• If a jobholder chooses to reduce their contributions to below the statutory minimum level, the scheme would no longer be qualifying for

• The employer will need to keep a record of all eligible jobholders who have chosen to reduce their contributions to below the statutory minimum, as they will have to be re- enrolled into a qualifying automatic enrolment scheme on the employer’s re-enrolment date (assuming their contribution level is still below the statutory minimum at that time).