A workplace pension is usually the largest single thing an employer funds for its people, and the one employees think about least. It also sits under different regulation from insured benefits, supervised by a different regulator, and it demands expertise that placing insurance does not teach.
This page is about where that boundary sits, because a broker who treats pensions as an add-on gives you an add-on.
Insurance broking and pensions work overlap in the room and almost nowhere else. A workplace pension involves:
None of that is the same skill as arranging a group risk policy, and advising on it can be a regulated activity in its own right, carried on under different permissions. The Financial Services Register records which permissions any firm holds, and it is worth checking rather than assuming.
The honest version of the answer is narrower than "yes, we do pensions", and more useful than "no".
Alltoogether does not provide pension advice. It does not select or recommend funds, does not run scheme governance, and does not determine whether an employer is meeting its automatic enrolment duties. Those are matters for a pensions specialist and, on the duties, for the employer with The Pensions Regulator's guidance.
Nothing on this page is advice about your scheme, your contributions or your duties. It is general information about where the boundary sits, written so that the question can be asked properly of whoever you ask it of.
Not by default. Pensions advice is a different regulated activity from arranging insurance, carried on under different permissions, and supervised alongside employer duties that sit with The Pensions Regulator rather than the FCA. Some firms hold both permissions and many do not. The Financial Services Register records what any particular firm may do, and it is worth checking.
No. Alltoogether does not provide pension advice, select or recommend funds, run scheme governance, or determine whether an employer is meeting its automatic enrolment duties. What it does is coordinate the wider benefits picture, make sure the pension is visible to employees alongside everything else, and introduce pensions specialists where specialist work is needed.
Because for most employers it is the largest single thing being funded per employee, and because employees consistently underestimate it. A benefits summary or total reward statement that omits the employer pension contribution understates the package by its biggest component.
This page is general information about how workplace pensions sit alongside insured employee benefits. It is not pension advice, not advice about your scheme or your contributions, and not a statement about whether you are meeting your employer duties. Alltoogether is an appointed representative of Sante Partners Ltd, which is authorised and regulated by the Financial Conduct Authority, and does not provide pension advice.
| The Pensions Regulator | Employer duties and automatic enrolment Supports: that automatic enrolment duties sit with the employer and are supervised by a different regulator from the one that covers insurance broking Published or updated: current guidance as published. Retrieved: 15 August 2026. Limitation: guidance for employers generally. It says nothing about any particular scheme, and it is not advice. |
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| Financial Conduct Authority | The Financial Services Register Supports: that a firm's permissions can be checked independently, including which activities it may and may not carry on Published or updated: live register. Retrieved: 15 August 2026. Limitation: the register records permissions and status, not the quality of a service. |
| Alltoogether | How this page was written Supports: the boundary above and the decision to describe categories rather than any particular policy Published or updated: set 15 August 2026. Retrieved: 15 August 2026. Limitation: this row records the method, not a fact about any scheme. |
Each benefit explained the same way: what it is, what it can and cannot usually do, and what to ask before you buy, renew or communicate it. No insurer recommended and no policy terms invented.
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