<b><b>If you employ more than five people, then the chances are from next month you will have to offer them access to a stakeholder pension or risk a £50,000 fine. Here Nick Edmans of the Occupational Pensions Regulatory Authority (Opra) explains what you need to do</b></b><br><b>If you have five or more employees, from October 8 you may be obliged to offer your staff access to a stakeholder pension scheme. If you do not, you could wind up with a fine of up to £50,000. </b><br><b><b>Access to a scheme</b></b><br> Providing access to a stakeholder pension - the new type of pension available since April 6 this year which offers a simple, low cost, flexible pension option for your staff - does not need to cost you anything. You do not have to run the pension scheme. You do not even have to set the thing up. All you have to do is choose a scheme provider after consulting your staff and allow your staff to contribute directly through the payroll if they choose. You do not have to contribute to your employees' stakeholder pensions - but you can if you wish. <p></p><p><b><b>Are you exempt?</b></b><br> Some firms are exempt, and to find …