Lost and disconnected pension pots are a growing challenge for the UK pensions system, but they are also a data problem. As employees move jobs, change addresses and build up pension records across different providers, payroll teams have an important role to play in improving the accuracy, consistency and traceability of workplace pension data. Cleaner payroll and contribution records can help reduce future fragmentation and support a more connected pension experience for emp

Pension fragmentation is more than an administrative challenge. It is a structural retention risk that drives asset leakage, weakens member relationships, and increases disengagement over time. This blog explores how multiple pension pots create hidden exit points, why continuity across job changes is critical for long term retention, and how consolidation can strengthen member trust, improve engagement, and support sustainable growth for UK pension providers operating under