Scottish Widows says the Government must ensure it makes exemption rules for existing pension schemes clear and simple to operate.
The provider's comments follow the Pensions Bill, which the Government published earlier today, outlining proposals for personal accounts.
Scottish Widows highlights three areas of concern including urging the Government to run a straightforward enrolment processes for group personal pensions.
The provider also says the Government must not subsidise personal accounts as doing so would make charges on the schemes artificially lower than those of other pension schemes, giving personal accounts an unfair advantage.
Lastly, it says the reforms must create a level playing field between the Pensions Regulator's personal accounts regulation and the FSA's existing personal pensions regulation.
Ian Naismith, head of pensions market development at Scottish Widows, says: "Otherwise employers might decide to discontinue existing arrangements and enrol staff into personal accounts at lower contribution rates simply because that makes life easier for them.
"It is clear from our own research that there is still a lot that needs to be done to educate consumers on the need to save for their retirement and we hope that personal accounts will help achieve this."
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