The pensions advice community has rejected calls for the outright banning of some trail commission payments.
Consumer Focus, a 'statutory consumer champion', today claimed IFAs are "building up" trail commission ahead of the Retail Distribution Review (RDR).
The RDR outlaws commission payments on new business but will permit trail income to continue on policies set up before the rules arrive in January 2013.
Consumer Focus said, based on evidence it has uncovered, some IFA clients are being encouraged to commit to "decades" of trail payments "without receiving any tangible benefit".
It said figures obtained from 15 providers suggest trail commission increased by 10% between 2007 and 2009.
It has called for trail commission on existing contracts, where it is deemed "too low to provide any cost-effective service", to be banned and any commission paid so far returned to the pension pot.
There should be a "regulatory presumption" against the use of trail unless consumers were receiving services they requested or agreed to, it said.
But the recommendation has been rejected by the pensions community.
Hargreaves Lansdown head of pensions research Tom McPhail (pictured) said: "Scrapping trail commission altogether is not the answer because consumers still need ongoing support in planning and managing their retirement savings.
"The RDR does not mean that trail payments from pension contracts will cease altogether and nor should it."
A spokesperson for the Financial Services Authority (FSA) said: "We have already made rules that will ban all commission from 31 December 2012 so we have addressed this problem for the future.
"However, we would face great difficulty in banning trail from existing contracts.
"The FSA monitors this issue as part of its usual supervision. In sales data, sharp increases in sales per adviser or increases in sales to specific customers may warrant further scrutiny by the FSA. Further thematic work will follow later this year."
Maggie Craig, director of life and savings at the Association of British Insurers (ABI), said: "Consumer Focus are a little behind the pace with this report.
"The industry has done a lot of work to make sure customers understand the way that charges work, which includes showing the compound effect on a pension pot.
"The important issue in pension reform right now is to work to get auto enrolment up and running rather than revisiting issues which have been long agreed."
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