Is there a danger that companies with occupational schemes will level down contributions to the personal accounts minimum?

Edmund Downes, Aviva: Yes there is a clear and significant danger. Although it is impossible to accurately predict what an employer might do, we suspect that those employers with low levels of take-up are most likely to level down. Employers with high levels of take-up are showing some degree of financial commitment for a wide selection of their staff, i.e. pension contributions are expected and valued. Even if those contributions are for some staff lower than the Personal Accounts minimum, it should be possible to convince such employers to increase them for those affected employees. ...