CM Pension Scheme

As an employee of Charles Marcus Group Services Ltd, we will automatically enrol you in our pension scheme if you:

• are not already in a pension scheme at work
• are aged 22 or over
• are under State Pension age
• earn more than £10,000 a year
• work in the UK

You can choose to opt out of this pension, if you want to. We will tell you in writing how to do this. However, if you stay in the scheme you’ll have a pension for your retirement.

You and the government (in the form of tax relief at your marginal rate) will contribute to the pension. The amounts are usually a percentage of your earnings.
The employer's contribution is 3%, the employee's contribution is 5%. These are tax deductible. The employer's contribution forms part of the direct cost of employment. You make additional contributions as salary sacrifice.

After your first month’s salary, we will write to you to inform whether you are being automatically enrolled into the pension scheme. We will tell you:

• the date of your enrolment
• the pension scheme you will be enrolled in
• how much will go into your pension (as a percentage of your salary)
• how you can opt out of the pension, if you want to

We are also obliged to:

• accept your request to join the pension scheme; (if you have previously opted out or stopped making contributions – we must accept your request once in any 12 month period)
• enrol you back into the pension at regular intervals (usually every three years), if you meet the eligibility criteria and aren’t in a workplace pension

Your pension belongs to you, even if you leave Charles Marcus.

For more information, please contact Suzanne at

Charles Marcus Super Fund in Australia

We have a superfund with AustralianSuper for consultants on the Australian company payroll.
You can choose another fund if you wish.
The minimum monthly contribution is 9.5% of your gross salary. You may contribute more.