Given the scale and pace of change in recent years that employers have had to respond to, it's no surprise that so few have altered their pension to accommodate the new pension freedoms.

It isn't just employers struggling to adapt to these changes, pension providers are the same with many default funds still under review, and others in the process of being changed for their many employers and members.

And last but not least, many individuals are still unsure of the changes, their choices and how to make good decisions.

In the absence of making changes to the pension scheme, providing those in the 10 year glide path to retirement with financial education and access to advice is more crucial than ever. At least then, employers can be assured that their staff can make informed decisions with expert support.