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

Simplify workplace pension administration with Nexum Pensions ClearWay, built for payroll bureaus, bookkeepers and accountancy firms.

Fourteen years after auto enrolment began reshaping workplace pensions, payroll teams are still carrying too much manual work. From provider portals and file formatting to failed submissions, re enrolment and compliance checks, pension processes remain fragmented and time consuming. For payroll bureaus and accountancy firms, the challenge is now about building cleaner, more consistent processes that reduce admin, protect margins and give payroll teams greater control.

Unmonitored pensions can quietly weaken long term savings at every stage of life. As workers change jobs more often, multiple pension pots build up and visibility is lost. Missed contributions, unsuitable investments and hidden fees can all reduce future value over time. Regular pension check ins help savers spot issues early, stay aligned with their goals and protect their retirement with greater clarity and control.

Gen Z face rising living costs, stretched salaries, and financial milestones that feel further away than ever, which is exactly why pensions matter. Your pension is one of the few areas where time works in your favour. Even small contributions, supported by your employer and tax relief, grow steadily in the background. Research shows a 25 year old today may need a pension pot of £3.1 million to retire comfortably, which highlights how valuable early action can be.