WHEN Salary increases by more than 10%

AND Employee contribution has not increased

THEN Send Salary Increase Education → wait 7 days → if unopened send reminder → wait 14 days → add to advisor follow-up queue

Active — advisor approval required before sending

WHEN Employee becomes eligible or joins

AND No introduction opened

THEN Send Workplace Pension Introduction → invite to new joiner orientation

Active — advisor approval required before sending

WHEN Contribution unchanged for 24 months

AND Contribution at or near statutory minimum

THEN Send 'What could another 1% mean?' → add to Build Your Pension class cohort

Active — advisor approval required before sending

WHEN Employee within 10 years of retirement

AND No pre-retirement education completed

THEN Create high-priority advisor opportunity → invite to retirement workshop

Active — advisor approval required before sending

WHEN Contribution reduces or stops

AND —

THEN Create critical opportunity → alert employer → advisor conversation

Active — advisor approval required before sending

WHEN Employee asks a question needing personal guidance

AND —

THEN Create warm advisor opportunity → offer advisor conversation

Inactive