Report concerns about your workplace pension (whistleblowing)
If you think your employer or workplace pension scheme is involved in wrongdoing in an area we regulate, you should report this to us in confidence. This is sometimes known as ‘whistleblowing’.
As a whistleblower, you can help us protect other savers and the UK’s workplace pensions.
When to report a concern to TPR
You should raise your concern with your employer or scheme directly before reporting it to us. If your concern is about your pension scheme, they usually have a internal dispute resolution procedure (IDRP) through which you can raise your concern. If you feel unable to do this, or you still have concerns after speaking to them, report the matter to us.
Contact us if you are concerned that your employer is not complying with their pensions duties or there are missing contributions to the scheme.
Note that there is a separate duty for persons holding certain roles connected with a pension scheme (such as an employee of a pension scheme, a trustee or adviser) to report breaches of law to us in some circumstances (for more information, read Whistleblowing - reporting breaches of the law).
Other agencies that can help you
Your concern may not fall within an area that we regulate. In this case, you may need to contact one of the following agencies to support you with your concern:
- The Pensions Ombudsman can help if you have a complaint about your pension scheme.
- Money Helper provides free and impartial money and pensions guidance.
- The Financial Conduct Authority (FCA) regulates financial services firms in the UK. This includes regulating those who provide financial advice regarding pensions and Self Invested Personal Pensions (SIPP).
Report a concern
Phone, email or post
If you can’t report your concerns online, you can contact us by phone, email or post.
What happens next?
After you report your concern to us, we may contact you to clarify some of the information you have given us.
We will investigate your concern if we think there is a cause to do so. Please note that we are unable to give feedback on the outcome of our assessment or investigation (if one is conducted) for legal reasons.
Legal protection
In some situations, when you supply us with information, you may have legal protection as a whistleblower if you raise a legitimate concern in good faith about wrongdoing. Read more on whistleblowing for employees on GOV.UK.
For advice in relation to such potential protection, contact Protect, a whistleblowing charity who provide support and free confidential advice to whistleblowers.
Identity protection
We understand that when you supply information to us, it may have an effect on your relationship with the person or organisation that you are reporting, particularly if this is your employer.
It is useful for us to have your contact details in case we need to ask you for more information, but you can choose to be anonymous when reporting concerns to us. If you do, we will treat your information as sensitive and will seek to protect your identity. We will not disclose it except when lawfully required to do so or where, after careful consideration, we decide it is essential to do so in the course of an investigation or to take regulatory action. This would only happen in very limited and exceptional cases. Where we consider that such disclosure may be necessary, we will usually consult you beforehand.