As part of joining the Company you will be automatically entered into the MMT - BAE Systems Retirement Savings Plan (‘the BAESRSP’). The BAESRSP is a Master Trust pension arrangement with Mercer, the Mercer Master Trust (‘MMT’) and is administered by Scottish Widows. You do not need to take any action.

You will receive a letter to your home address confirming that you have been enrolled into the BAESRSP direct from Scottish Widows soon after joining. Further information including a Member Guide can be found on the dedicated BAESRSP website


Opting Out 


Whilst we hope you will remain a member of the BAESRSP, you will have the option not to join as part of the Company joining process. The Company still has to enrol you into the BAESRSP if you meet certain criteria when you are assessed under the Automatic Enrolment legislation.

If you wish to opt out once you are enrolled, you can do so by making an Auto Enrolment Opt Out application via the Scottish Widows website ( within a month of you being notified by letter that you have been automatically enrolled into the BAESRSP. You should think carefully about the retirement and family security benefits that you would miss out on if you opt out. If this request is not received within a month, you may still opt out but you will need to submit a request to opt out via the BAE Systems Employee Service Centre portal (search ‘Pension Opt In). If you do not have access to the Employee Service Centre portal please call 0208 068 2868.



If you decide to opt out of the BAESRSP, you should be aware that it is a legal requirement that anyone who opts out or stops making payments will be automatically enrolled back into the BAESRSP at a later date if you meet certain criteria. We will contact you when this happens, and you can opt out again if it is still not right for you. The next re-enrolment date will be in 2025.

Forms and downloads

Automatic Enrolment FAQ

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