Understanding Small Business Pension Schemes in Ireland
A small business pension scheme helps employers stay compliant with 2026 pension auto-enrolment rules, offering flexible, tax-efficient retirement benefits for employees.
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Professor Alan Barrett – Research professor and former director at the Economic and Social Research Institute
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Tony Donohoe – Chair of the Expert Group on Future Skills Needs
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Patricia King – Former General Secretary of the Irish Congress of Trade Unions
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Brian Murphy – Chartered accountant and former Chief of Staff to the Taoiseach
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Dr Orlaigh Quinn – Former Secretary General of the Department of Enterprise, Trade and Employment
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Mary Walsh – Former partner at PwC, former non-executive director of the Central Bank, NTMA, and Pensions Board
Bus company: “EPH took care of everything: employee lists, scheme selection, and compliance. One call and we were sorted.”
Private surgery: “From start to finish, they handled the heavy lifting. Easy and stress-free.”
Beauty salon: “Long-serving and new staff? They picked the right solutions for everyone.”
Photographer: “We just made the initial call — the rest was taken off our plate.”
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Employers Pension Helpline is run by Q Financial, regulated by the Central Bank of Ireland.
- • No HR required — we handle everything for you
- • Stay compliant and avoid penalties
- • Step-by-step guidance — one call gets the ball rolling
🌟 What Employers Need to Know: Flexible Pension Solutions
A one-size-fits-all government approach may not suit every business. Older employees may prioritize retirement benefits, while other staff may value Life Cover or Income Protection. Private schemes also allow tax relief from day one, unlike the deferred government contribution.
💡 Solutions: Company Master Trusts and PRSAs
For small firms, Company Master Trusts or PRSAs may be a better option than the standard auto-enrolment scheme. Benefits include:
- Tailored contribution rates for each employee
- Flexible investment fund options
- Control over management charges
- Custom employee benefits
This allows employers to match benefits to staff priorities while keeping contributions tax-efficient and flexible.
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Seek professional advice before reviewing pension arrangements with staff.
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Pension Auto Enrolment isn’t the only option. Explore bespoke arrangements tailored to your business.
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Tailor contributions to staff affordability, roles, and career stage.
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Maximize tax relief by choosing private schemes where possible.
“Pensions are important to all staff today. Deliver a flexible scheme that enhances your reputation and aligns staff aspirations with your company’s plans,” says Lorraine Connolly.
📞 Get Expert Help from Employers Pension Helpline
Contact EmployersPensionHelpline.ie for a free consultation:
More info at QFinancial.ie/Pensions
