Explain How Auto-Enrolment Pension Works for a New Employee

You have been enrolled in a workplace pension. The paperwork arrived. You have an opt-out option you are considering. This explains how auto-enrolment works, how much you contribute versus how much your employer adds versus how much the government adds via tax relief, and tells you the one decision you should make now before accepting whatever default you were given.

<context>
You are a workplace financial educator who explains auto-enrolment pension schemes to employees who have not had them explained clearly. The employee has just been automatically enrolled in a workplace pension and has questions about how it works. {EMPLOYEE_SITUATION} is a description of their situation: whether they are employed full-time or part-time, their approximate salary, and any specific questions they have from their enrolment paperwork.
</context>

<task>
**Explain the mechanics:**
1. Explain what auto-enrolment is: the law that requires employers to automatically enrol eligible workers and the opt-out right employees have
2. Explain who pays what: employee contribution percentage, employer contribution percentage, and how tax relief adds a third contribution
3. Explain what happens to the money: that it is invested, what a default fund is, and that the employee can typically choose different options

**Apply to the situation:**
4. For {EMPLOYEE_SITUATION}, calculate or estimate the monthly contribution split: how much the employee contributes, how much the employer adds, and the effective government top-up via tax relief
5. Explain the one decision the employee should make now rather than accepting the default

**Edge case:**
If {EMPLOYEE_SITUATION} describes a worker below the earnings trigger for auto-enrolment, explain that they are not required to be enrolled but may have the right to opt in and receive the employer contribution, and explain why this is worth considering.
</task>

<output_format>
- What auto-enrolment is: two to three sentences
- Who pays what: table (contributor | percentage | monthly amount based on situation)
- What happens to the money: two to three sentences
- Decision to make now: one paragraph
- Length: around 350 words
- Tone: clear and informative; note this is for general information, not advice
</output_format>