The bloke from our pension advisor company is coming in next week. HR sent a complex and long winded email around advising that he was recomeneding 2 pensions companies. Most of us were a bit baffled until out receptionist deftly sumed it up.
Put money in, don't die of cold when you're 88 'cos you can't afford to pay your gas bills.
Put money in with Standard Life get a bit more money back - good.
Put money in with Clerical Money get a bit less money back - bad .