Jurisdiction(s):
United Kingdom

Related legal acts

Key definition

Group personal pension definition

What does Group personal pension mean? A group personal pension is an employer‑arranged collection of individual personal pension policies for employees, usually provided by a life insurer. Each member has an individual, defined contribution contract with the provider; the employer facilitates payroll deductions and may contribute. In the UK, “personal pension scheme” is a statutory category (for tax and regulatory purposes), but “group personal pension” is market terminology rather than a defined legislative term. A GPP is contract‑based, not a trust‑based occupational pension scheme. The provider is regulated by the FCA, while employer automatic enrolment duties are overseen by The Pensions Regulator. A GPP can...

Group personal pensions: legal framework and employer duties on auto-enrolment, IGCs, contributions and disclosure

Published by a LexisNexis Pensions expert

Practice notes

personal pensions, brought in during 1987, were hailed as creating fresh options for both employees and the self-employed. It soon became clear the proposition could equally be promoted to employers, and the group personal pension (GPP) swiftly emerged to meet that demand. In essence, a GPP is a collection of individual personal pension policies housed within a single personal pension scheme and run by the provider for the workforce of one employer, or a group of employers. GPPs are therefore ‘workplace personal pension schemes’.

Consequently, rules apply to GPPs that do not apply to personal pensions used outside the workplace. For example, they are overseen by independent governance committees (IGCs) (see —principal legal features below) and limits apply to charges borne by members. For more detail on workplace requirements for GPPs, see Practice Note: Personal pensions—an introduction—Features specific to workplace personal pension schemes. Where the individual arrangements inside a GPP are self-invested personal pensions (SIPPs), the GPP may be presented as a group SIPP arrangement...

principal legal features

Distinction from occupational pension schemes

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Alistair Hill

Brodies LLP

Alistair is a Legal Director in the Brodies pensions team, where he practices both as an English and as a Scottish solicitor. He helps a broad range of employers, trustees and other professionals with defined benefit and defined contribution pension schemes, including advising on the pensions aspects of corporate transactions and public/private sector staff transfers. From his days in-house at a leading insurer, Alistair has also retained an active interest in developing and maintaining defined contribution pension propositions from the provider's and administrator's viewpoint, such as personal pension, mastertrust and SIPP products. While he would argue passionately that clients shouldn't haven't to worry about them unless they want to, Alistair has always been interested in the more technical aspects of pensions law. Besides his work for LexisPSL, this has led him to play an active role in the professional bodies and more generally in debating law reform and...

Ellie McWilliams

Brodies LLP

Ellie joined the Brodies pension team as a Solicitor in October 2023, following completion of her traineeship within the legal function of a large financial services provider which specialises in pensions, investments and insurance.Ellie has a variety of experience in advising on both defined benefit and defined contribution pension schemes. She advises a range of clients including trustees, employers, charities, local authorities and intermediaries on matters such as de-risking transactions, automatic enrolment obligations and the pensions aspects of corporate transactions. Ellie has further broadened her DC knowledge and experience through a client secondment, with a particular focus on issues relating to trustees of small, historic occupational pension schemes. She also provides legal support to the provider concerning their mix of master trust, personal and workplace pension schemes. ...

Web page updated on 21/05/2026

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