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A valuable pension is one that employees engage with

Your pension is already a valuable investment – but how do you make employees see that value? The answer lies in better engagement. A pension that employees don’t engage with is a pension they can’t fully value. And one area where that lost value comes into focus most sharply is pension consolidation. 


In this guide, you'll discover:

  • Why consolidation is a people-strategy lever, not a pension admin task, and how it boosts the return on a cost you already carry.
  • The three frictions that stop employees acting – knowledge, confidence and effort – and how to remove them.
  • How Donnelly Group more than doubled the national consolidation rate – 34% vs 16% – and what made it work.
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Employees want to consolidate – are you making it easy?

74%

want their pension to follow them between jobs

Feb 2026

66%

say their employer should make pension consolidation easier

Feb 2026

60%

say they'd value their current pension more if consolidating was easy

Feb 2026

“Employers spend a great deal on their pension scheme and then employees work out the hardest part on their own. Consolidation is where that shows – people want their pensions in one place, they just don't know how to do it. Fix that and you've made the same spend worth considerably more.”
Stephen Watson
Director of Policy & Research, Cushon
Steve 3
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Yes-Authorised

Authorised by The Pensions Regulator

Automatic enrolment

Automatic enrolment ready

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Authorised and regulated by the Financial Conduct Authority