Agentic UK workplace pension auto-enrolment compliance service for small employers (1–30 staff) that handles re-enrolment triennial cycles, postponement notices, opt-out processing, and The Pensions Regulator (TPR) declaration of compliance filing. Replaces the payroll bureau or HR consultant who charges £400–£1,200 per re-enrolment cycle to assess workforce eligibility, issue statutory enrolment letters, process opt-outs within the 1-month window, and submit the TPR re-declaration — a process where a missed re-enrolment date triggers TPR fixed penalty notices starting at £400.
Why now
No fresh signal batch provided today; justified by The Pensions Regulator's ongoing enforcement data (TPR fined 59,000+ employers in 2023–24 for auto-enrolment failures) and the well-documented triennial re-enrolment burden on micro-employers. Signal: TPR Compliance and Enforcement bulletin — https://www.thepensionsregulator.gov.uk/en/document-library/research-and-analysis/compliance-and-enforcement-bulletins
Source signals
Commercial value
UK employers with 1–30 staff number roughly 1.2 million; every three years each faces a mandatory re-enrolment cycle. Payroll bureaus and HR consultants charge £400–£1,200 per cycle, with ongoing monthly admin at £50–£150/mo. SaaS replacement at £79–£149/mo ACV is a clear saving. Budget line is 'payroll/HR bureau fees' — a real recurring cost. TAM for UK micro-employer pension admin is plausibly £200M+/year.
Go-to-market
Target UK sole traders and micro-employers (1–10 staff) via r/smallbusiness UK threads, Xero/FreeAgent app marketplace listings, and cold outreach to independent bookkeepers who currently handle re-enrolment manually. Offer a £149 flat-fee re-enrolment pack or £79/mo ongoing. First 10 customers via bookkeeper referral partnerships.
2-week MVP
Build a single-workflow: employer inputs their staging/re-enrolment date, employee list, and pension scheme details via a form; LLM-generated statutory enrolment letters (postponement notice, enrolment letter, opt-out confirmation) are produced as a downloadable Word pack with a pre-filled TPR declaration of compliance checklist. Cut: actual payroll integration, direct TPR API filing, opt-out tracking dashboard. Day-1 outcome: employer receives a compliant statutory letter pack and TPR declaration data sheet they can file themselves — worth £400+ they'd otherwise pay a bureau.
Agent score
0.61 — Commercial score is high: clear £400–£1,200 budget line, recurring triennial trigger, 1.2M addressable employers — but ACV is modest so scored 0.82 not 0.9. Speed is high: the MVP is a document-generation form with LLM output, shippable in under 2 weeks, and first 10 customers are reachable via bookkeeper communities with no paid acquisition. Defensibility is weak at 0.42: no regulatory moat, TPR's own tools are free, and the workflow is copyable — only workflow lock-in and bookkeeper referral network provide marginal stickiness.
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Solve Studio is an independent AI automation and product studio founded by James Pates, working out of Brighton and London with clients across the UK. Get in touch at james@solve-studio.co.