UK reward metrics · Pensions & Savings

Is pension offered via salary sacrifice by default?

Source lumi HRBase 267 organisationsFieldwork 2026 H1

51.7%Yes

51.7% of organisations in the lumi HR community answered “Yes” on pension via salary sacrifice by default (base: 267 UK organisations, 2026 H1).

Figures describe organisations in the lumi HR community, not a random sample of UK employers.

How UK organisations answered

Yes 51.7% No 48.3%
Pension via salary sacrifice by default (base: 267 organisations, 2026 H1). Percentages percentages may not sum to 100 because of rounding.
Pension via salary sacrifice by default: share of organisations by answer
AnswerShare of organisations
Yescommon51.7%
Noalternative48.3%

Common, alternative and rare describe how each answer sits against the community: the most chosen answer is common; an answer chosen by fewer than one in five organisations is rare.

Definition

Whether pension contributions are made through salary sacrifice as the default arrangement, exchanging salary for employer contributions to save National Insurance. See the methodology for how the base is built, how not-applicable answers are handled, the public floor, and which organisations are excluded.

Cite this figure
Source: lumi HR, UK Reward Metrics, September 2026, lumihr.co.uk/metrics/pension-via-salary-sacrifice-by-default
Last updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.

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