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Pensions Bill

It definitely is the case; I can confirm that. My noble friend makes a very important point about instilling the habit of saving as early as possible. We recognise that. We are dealing here with a balance. Younger people, especially if they are students, tend to have a succession of jobs, and there are administrative costs associated with that. I am interested in my noble friend’s calculation of the impact on the pot. I am happy to look at that; perhaps we may get together after the Committee to work through the calculations. The noble Lord, Lord Skelmersdale, asked what happens if someone elects to be enrolled and then reaches the age of 22. If they are enrolled in a qualifying scheme, under Clause 3(3), reaching the age of 22 does not require any further action on the part of the employer, because they will then become a jobholder and will be an active member of a qualifying scheme.