I understand that opting down is not an official thing as it moves person out of AE. However, some commenters may not grasp that a few employees will genuinely be unable to afford an extra say £25 per month (and same again next year).
So rather than “opting down”, could they opt out for say half the year? I think Employer’s obligation to re-auto-enrol kicks in after 3 years, but if person asks to rejoin after say 6 months, presumably the Employer must let them back in. And I believe they can repeat that process once every 12 months.
A nightmare for the employer but for a well-organised but cash-strapped employee, might it be a better option that "opting down"?
My client has just moved to Xero and is also looking at FlowRev. Sorry that no-one here has been able to give you any advice yet but I'd be very interested to hear your views so far.