A better pension for your business
Practical advice to help you build and manage a workplace pension that works for your employees
A better workplace pension for your people and your business
A well-designed workplace pension can help you attract and retain great people, strengthen your employee benefits and support better retirement outcomes.
We help businesses review, improve and manage workplace pensions that work for both employers and employees.
Independent workplace pension advice
We help businesses review existing schemes, select new providers and improve employee engagement with their workplace pension.
Because we are independent and whole-of-market, our recommendations are shaped around your business, workforce and priorities—not tied to a particular provider.
We work with businesses of all sizes, with particular experience supporting SMEs. Where it matters to you, we can also help align your pension scheme with your organisation’s sustainability and ethical values.
Why improve your workplace pension?
Attract and retain great people
A strong workplace pension can make your overall benefits package more competitive.
Improve employee engagement
Clear communication and support can help employees understand and value their pension.
Support good governance
We help you understand your responsibilities and maintain a well-managed workplace pension.
Reduce costs with salary sacrifice
A salary sacrifice arrangement can reduce National Insurance costs.
Improve the member experience
Modern providers can offer better digital tools and easier access to pension information.
Offer greater investment choice
Give employees access to suitable investment options, including sustainable funds where required.
Salary Sacrifice
Make pension contributions more cost-effective
Salary sacrifice allows employees to exchange part of their salary for an employer pension contribution. As the exchanged salary is not normally subject to National Insurance, the arrangement can reduce costs for both the business and its employees.
We help employers design and implement salary sacrifice arrangements that suit their workforce. We work closely with finance, HR and payroll teams to make the transition clear, compliant and straightforward.
Reduce employer costs
Lower employer National Insurance contributions can create meaningful savings for the business.
Benefit your employees
Depending on how the arrangement is structured, employees may benefit from increased take-home pay or higher pension contributions.
Choose how to use the savings
Employer savings can be retained by the business, shared with employees or reinvested in the wider benefits package.
Individual outcomes will depend on employees’ circumstances and how the arrangement is structured.
What do our clients have to say?
The process
Review and recommend
We assess your existing scheme and research the market before presenting clear recommendations, costs and next steps.
Understand
We start by learning about your business, workforce, existing pension arrangements and what you want the scheme to achieve.
Support
Where ongoing support is agreed, we help you monitor the scheme, respond to changes and keep it aligned with the needs of your business and employees.
Implement and communicate
We work with your finance, HR and payroll teams to implement the agreed changes. We can also help employees understand the scheme and its benefits.
Pricing
Clear fees, agreed in advance
We charge a consultancy fee for reviewing, recommending and implementing your workplace pension arrangements. The cost will depend on the size of your workforce, the complexity of the work and the support you require.
Your initial consultation is free. If you decide to proceed, we’ll provide a clear proposal setting out the work involved and all charges before you make any commitment.
Frequently Asked Questions
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Not necessarily. We’ll review your existing scheme first and recommend retaining it where it continues to meet the needs of your business and employees. If improvements are needed, we’ll explain the available options.
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We can assess areas including charges, investment options, contribution structure, employee experience, administration, governance and opportunities to improve engagement.
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Yes. We can help you design and implement an appropriate arrangement, working with your finance, HR and payroll teams. Salary sacrifice will not be suitable for every employee, so individual circumstances must be considered.
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Yes. The employer retains its legal responsibilities. We can help you understand those duties, improve governance and manage agreed elements of the scheme more effectively.
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Yes. We can provide clear communications and employee sessions explaining how the pension works, the benefits available and where employees can find further information.
Ready to improve your workplace pension?
Start with a free, no-obligation consultation
We’ll discuss your existing arrangements, your workforce and what you want your pension scheme to achieve. We’ll then explain how we may be able to help and answer any questions you have.