pension.law
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Supreme OS · Vertical #19

pension.law

AI auto-enrolment compliance for UK micro-employers. Track eligibility, calculate contributions, manage re-enrolment, generate every TPR-required document.

1.4m
UK employers mandated
74,000+
TPR notices 2023–24
88%
Stack reuse
£4,800
4-week build cost
144×
Y1 return multiple
Documents
📊
Strategy
Market thesis · competitive landscape · GTM · revenue model · exit comparables
🔧
Tech Reuse Blueprint
88% reuse audit · net-new build spec · 4-week plan · API routes · DB schema
🤖
Claude Project Setup
Project instructions + 7 India team prompts for daily auto-enrolment operations
📋
CLAUDE.md
Session orientation · snap-tool map · pricing tiers · revenue targets · session rules
Vertical Status
Status
Pre-Launch
Target: Q4 2026
Build Cost
£4,800
4 weeks · 88% reuse
Y1 ARR Target
£626k
1,800 subs · £29 ARPU
Return Multiple
144×
Y1 revenue ÷ build cost
Exit Zone
£40–90m
Y5–7 · 8–15× ARR
Primary Acquisition
Zero-CAC
employ.law + form.law cross-sell
Snap-Tool Architecture (88% reuse)
employ.law
Worker Engine
90%
Worker eligibility · TPR categories · joining events
payroll.law
Contribution Calc
85%
Qualifying earnings · 8% minimum split · pay period normalisation
form.law
New-Employer Trigger
95%
Company formation → pension.law onboarding prompt · zero CAC
apex saas
Document Factory
85%
Postponement notices · opt-out letters · re-enrolment comms
supreme capital
FCA AR Network
100%
Regulated pension provider referrals · NOW · Smart · Royal London
sole.tax + landlord.tax
Alert Cron
75%
Re-enrolment window · declaration deadline · opted-out re-enrol
Session Rules
  1. TPR mandate framing always. Auto-enrolment is a legal duty with daily fines. Every feature exists because employers must comply — not as a nice-to-have.
  2. Re-enrolment is the primary hook. Most micro-employers think they "did it once." They haven't re-enrolled. Every 3 years is mandatory.
  3. FCA boundary — critical. Do not recommend a specific pension provider. NEST referrals are fine (government default). All other provider referrals route through Supreme Capital FCA AR.
  4. Plain English only. Audience is a plumber who took on an apprentice, not a pension consultant.
  5. trained QA reviewer required on TPR declarations and re-enrolment notices before confirming send.
  6. employ.law cross-sell is the primary zero-CAC channel. Wire the in-app prompt in build Week 3.
  7. form.law is the acquisition engine. New company formation → immediate pension.law onboarding. Highest-intent moment.
  8. Director edge case. Directors with no employment contract are NOT workers for auto-enrolment. Flag this if the employer tries to enrol a director-only company.