October 8 was the deadline when all businesses employing five or more people, which didn't already have a pension scheme in place, had to have a stakeholder pension scheme set up for their workers - or risk a fine of up to �50,000.
It's estimated that up to 300,000 employers have ignored the new legislation.
If you think your employer is selling you short, you can contact the Occupational Pensions Regulatory Authority (Opra) by:
phone (01273-627600), email (
[email protected]), fax (01273-627688), or post (Opra, Invicta House, Trafalgar Place, Brighton BN1 4DW).
Opra will not use your name in its communications with the employer.