What is the position if eligible jobholders do not want to join an auto-enrolment pension scheme?

Once enrolled into an automatic enrolment pension scheme, eligible jobholders (or non-eligible jobholders who have opted in to the scheme) will be entitled to opt out of the scheme. There is an opt-out period of one month from entry (or one month from the date on which they are provided with certain information about their enrolment) within which jobholders will be entitled to a refund of their contributions. Jobholders can choose to cease membership of the scheme at any stage, but they will not be entitled to a cash refund of contributions after the end of the one-month opt-out period (although the rules of the pension scheme may allow for this).