Skip to main content
DC scheme design and governance
Independent expertise for designing your workplace pensions
Designing and governing a DC pension scheme is about more than compliance. With our DC pension consulting expertise and global market knowledge, we help employers and trustees create workplace pensions that are resilient, well-governed and capable of delivering better retirement outcomes.
Designing a DC scheme that fits your workforce
Data analytics
We use workforce data and member profiling to unlock insights into DC member choices and their likely needs. Our GEM (Govern, Engage, Monitor) tool provides interactive analysis across demographics, behaviours and outcomes – giving clarity to scheme design decisions.
Scheme type and transitions
We have no bias towards scheme type. We explain the differences and implications, support you in selecting the right option, and guide you through transitions, from DC provider selection and asset transfer to implementation. Our experience helps reduce risk and resource demands while keeping you in control of strategic decisions.
Contribution structures
We review DC contribution options to ensure they are compliant and competitive. Through GEM, we model alternative structures, project the impact on retirement outcomes and costs, and collaborate with you to design arrangements that balance affordability with member value.
Investment strategy
Your DC scheme’s investment framework should reflect members’ real needs. We help design and review default strategies, at-retirement pathways and self-select funds, with growing emphasis on ESG considerations and post-retirement drawdown. Supported by our investment consultants, we also manage transitions and bulk transfers with careful oversight to mitigate cost and risk.
At-retirement solutions
Retirement choices can quickly reduce the value of savings if poorly managed. We help you build frameworks that guide members through sustainable, tax-efficient options – from annuities to drawdown – reducing risk of poor decisions and improving outcomes.
DC governance that delivers confidence
Employers
Employers’ auto-enrolment duties are wide-ranging, from certification and assessments to communications and consultation. We review arrangements to ensure DC schemes remain suitable, compliant and focused on member value.
Trustees
We support trustees with DC-specific governance requirements – including value-for-members assessments, chair’s statements, and regular investment reviews. We also provide secretarial support for governance bodies to ensure efficient oversight.
Our DC governance review tool
Through GEM, we benchmark contribution take-up, default investment performance, provider capability and projected member outcomes. This gives employers and trustees clear insight into scheme effectiveness and where change or engagement is needed.
Technology that strengthens oversight
Our GEM platform brings razor-sharp data and analytics to DC scheme design and governance. It enables real-time insight, benchmarking and forecasting – helping you test scenarios, monitor performance and give members the tools and communications they need to engage confidently with their pensions.
The benefits of working with us
- Independent DC pension scheme design aligned to your workforce and organisational goals.
- Robust governance support that ensures compliance and drives member value.
- Data-led insight to inform contributions, investments and retirement options.
- End-to-end expertise across transitions, consolidation and harmonisation.
- Sharper decision-making enabled by technology and analytics.
- Better retirement outcomes for members, and greater confidence for employers and trustees.
Get in touch
For more information about our DC scheme design and governance services, contact our team today.
Find out more
