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Key points

  • Decide whether you need help to find a provider.
  • Decide which providers you want to speak to.
  • Check what questions you need to ask potential scheme providers.

Who can help you find a provider?

You could speak to a financial adviser about finding a provider. The following private sector organisations may be able to assist you with finding a financial adviser. Please note that these organisations are not endorsed by Government and the links to their websites are provided for information only:

If you have an accountant or employee benefit consultant (EBC), they may be able to help you to find a provider or an adviser that can help.

Lists of providers

There are a number of pension scheme providers including the National Employment Savings Trust (NEST). Established by the Government, NEST has a public service obligation to accept all employers that apply to join it.

The following private sector organisations have lists of pension scheme providers on their websites. Please note that these lists are not endorsed by Government but may prove useful to you:

When finding a provider you need to ask them to demonstrate to you how their scheme meets the legal requirements and is good quality. For more information see our questions to ask providers below.

Questions to ask providers

Questions you should ask about the legal requirements include:

  • Does the scheme allow at least the minimum contribution levels?
  • Does the scheme allow staff to join it without providing any information?
  • Does the scheme allow staff to join it without making any choices, eg about where their money is invested?

Questions you should ask about the quality of the scheme include:

  • Do you ensure that the investments on offer are appropriate now and in the future?
  • Will you regularly review costs and charges to ensure they are still value for money?
  • Is compensation available if anything goes wrong?
  • Are members’ options clearly communicated as they approach retirement?

You can find a more detailed list of questions about scheme quality in the appendix of our guide for employers below:

Selecting a good quality pension scheme for automatic enrolment

Automatic enrolment

© The Pensions Regulator