Hays Umbrella companies

[Dorkeaux]

It's not how they do salary sacrifice into SIPPs it is how they use Salary sacrifice instead of the more typical 5% employer / 3% employee contribution and then pocket all or most of the NI savings that approach generates.

Now I can see the logic behind doing it but if you are going to try and play such a game it should be clearly explained and demonstrated on the KID on the worst culprits haven't done that on the KIDs linked to above.

It's both.
a) The charge(s) for processing salary sacrifice and paying into the SIPP
b) Whether they pocket the savings in NI generated by lowering your net income, or add the NI savings back into your gross salary.

Agreed, both of these should be on the KID.

Of course from 6 April 2029 the government is capping the National Insurance (NI) exemption for workplace pension contributions made through salary sacrifice at £2,000 per tax year. https://brookson.co.uk/2026/06/08/le...a-contractors/

We are busily maxing out our SIPPs, including taking advantage of the "Carry Forward" rule.