Company Pension plan that seems to conceal details

I am certainly not a pensions expert, but as you've had no other replies...

Ask your HR dept for a list of the trustees. If the scheme is large then an employee trustee or two should have been appointed. Contact these trustees and ask them your questions. You may get the same answer, but at least it will be from someone who should know for sure!

If your employer is making contributions for you / as well as you, then that "usually" means you're getting a good deal. If they are not contributing anything, then ask them how it differs from a SIPP? (see Hargreaves Lansdown or similar website if you are not sure what a SIPP is)

Hopefully someone who is more knowledgeable will also contribute an answer. I know there are some ones in this group - John Boyle are you there?

I hope that assurance isn't as worthless as the one IBM made to its staff. See

I'm no expert but I thought that there is a legal requirement for the disclosure of information such as commission/charges on all financial products.

There is, but this will have been given to the trustees or the employer. I'm not sure what the legal requirement is for the employer to tell the employee. Morally he should, but legally...?

Rob Graham

John Boyle hasn't made an appearance for ages. I wonder where he is. It's a pity.

Rob Graham