How it works
How the pension audit works
What you do, what Pension Tech does, then findings and next steps. A fixed, evidence-led process before any challenge to an administrator.
You
Request an audit and share what you have
Tell us your scheme and status online, or request a postal pack. Gather copies of your latest benefit statement, service history or extract, and any retirement estimate or McCloud documents you already hold.
Pension Tech
We review your details and check the evidence
We confirm the audit scope, ask for any missing documents, then review service history, pay assumptions and McCloud eligibility against what the scheme has recorded.
You receive
Findings in plain English
You receive a report that explains what looks right, what may need challenge, and which evidence supports each finding.
Next steps
Correction pathway or clear closure
Where appropriate, we prepare a structured challenge pack for the scheme administrator. If the evidence does not support a challenge, you receive a clear closure report instead.
What happens after you request an audit
You will always know where your request is. Nothing is charged until the scope and fee are confirmed in writing, and you can approach your scheme directly at any point.
- Straight away
We acknowledge your request by email, usually within one working day. If you asked us to call you back, a member of the Hereford team phones you during office hours.
- Usually within five working days
We confirm the audit scope, the fee option you have chosen and exactly which documents we need. Nothing is charged until you confirm in writing.
- Once your documents are complete
As a working assumption, the audit itself takes two to four weeks. Missing or unclear documents can extend this, and we tell you if they do.
- Findings and next steps
You receive your report and we talk it through with you. If a challenge is justified we prepare the challenge pack; if not, you receive a clear closure report.
Timescales are working assumptions, not guarantees. They depend on the scheme, the quality of the documents and whether we need more evidence.
The report
Findings you can actually use
The audit report separates evidence, findings and correction steps, so you can see exactly why a challenge is or is not justified.
Evidence
The documents we work from, listed in the report:
- Annual benefit statement
- Service history or service extract
- Retirement estimate, if you have one
- Payslips and P60s
- Part-time and career break records
- McCloud remedy or transition documents
Findings
What looks right, what may need challenge, and which document supports each point. Written in plain English, without scheme jargon.
Next steps
A structured challenge pack for the scheme administrator where the evidence supports it, or a clear closure report where it does not.
Illustrative structure. Outcomes vary by case.
Self-check
Try these checks yourself first.
We would rather you check yourself before paying for an audit. If the records still do not make sense, send us the evidence.
- 1Compare every employment period against your statement.
- 2Check part-time hours, career breaks and transfers are shown.
- 3Review final salary links and CARE revaluation assumptions.
- 4Look for McCloud remedy or 2015 transition references.
- 5Save evidence before contacting your scheme administrator.