NetWellth Benefits Partners · Advisor Command Centre
What needs attention today?
Detect → Prioritise → Educate → Intervene → Measure → Report. PensionOS™ has reviewed every participant record since your last login.
New opportunities
38
Identified since last login
High-priority employees
20
Priority 75+
Employer actions required
3
Awaiting employer decision
Education recommended
41
Employees with a pending lesson
Upcoming meetings
3
Onsite & virtual sessions
Unread employee questions
4
Awaiting advisor response
Follow-ups due
15
Advisor task list
Outcomes this month
10
Measured behaviour change
Contributions
£781,231 contributed to the plan
1,031 active members · Last 30 days
Employer contributions
£379,849
49% of total
Employee contributions
£401,382
51% of total
Breakdown by employer
Monitoring rule · Tapered annual allowance
7 at/above the £100k threshold · 4 approaching
- At threshold
Marcus Bellamy · Pemberton Professional Services
Adjusted income £130,000 is at/above the £100k tapered annual-allowance threshold.
- At threshold
Nadia Volko · Pemberton Professional Services
Adjusted income £105,000 is at/above the £100k tapered annual-allowance threshold.
- At threshold
Ben Hargreaves · Pemberton Professional Services
Adjusted income £120,000 is at/above the £100k tapered annual-allowance threshold.
- At threshold
Edward Lynd · Pemberton Professional Services
Adjusted income estimated at £215k — tapered annual allowance applies (£10k reduced).
- At threshold
Victoria Pemberton · Pemberton Professional Services
Adjusted income estimated at £190k — tapered annual allowance applies (£35k reduced).
+6 more in the Opportunity Engine
Next best actions
Act on the highest-value work first
Every action carries a trigger, a recommended intervention and an estimated impact. You always stay in control of what is sent.
Pre Retirement · Harrington Motor Group
Daniel Hughes
Estimated retirement horizon under 10 years with no pre-retirement education completed.
Why it matters — Retirement options narrow as the horizon shortens; education delivered late reduces choice.
Suggested action
Offer a one-to-one retirement conversation and add to the March retirement workshop.
Suggested education
Preparing for Retirement
Suggested communication
"Retirement is closer than it feels — here's what to understand first."
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — retirement planning conversation · Confidence 88% · Source NEST monthly export
Contribution Stop · Harrington Motor Group
Stephen Ward
Contribution fell to 3% — data suggests a deliberate reduction to below default.
Why it matters — Below-default contributions reduce the value of the employer match.
Suggested action
Advisor call to confirm intention and explain employer contribution mechanics.
Suggested education
Understanding Your Employer Contribution
Suggested communication
"Your contribution changed — here's what it affects."
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — employer match value · Confidence 88% · Source NEST monthly export
Pre Retirement · Harrington Motor Group
James Fletcher
Within 5 years of retirement; no pre-retirement education completed.
Why it matters — Options and sequencing decisions need lead time.
Suggested action
Invite to retirement workshop and offer a one-to-one clinic slot.
Suggested education
Preparing for Retirement
Suggested communication
"Five years out — what to understand now."
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — retirement conversation · Confidence 88% · Source NEST monthly export
High Earner Taper · Pemberton Professional Services
Nadia Volko
Adjusted income £105,000 is at/above the £100k tapered annual-allowance threshold.
Why it matters — When threshold income passes £100,000 and adjusted income passes £110,000, the annual allowance tapers from £60,000 down to a minimum of £10,000. Contributions above the tapered allowance trigger a tax charge unless carry-forward relief or pension-input-period adjustments apply.
Suggested action
Confirm threshold and adjusted-income figures with payroll; calculate the tapered allowance and any unused carry-forward; arrange a tax-aware contribution review before 5 April.
Suggested education
Understanding the Tapered Annual Allowance
Suggested communication
Hi Nadia, your income is now above the level where pension tax relief can taper. Important to review your contribution level and available carry-forward — can we book 15 minutes this week?
Due / owner
— · Automated monitor
Estimated impact: Tapered AA likely in effect — excess contributions risk an annual-allowance charge. · Confidence 84% · Source Payroll / salary monitoring (automated)
High Earner Taper · Pemberton Professional Services
Ben Hargreaves
Adjusted income £120,000 is at/above the £100k tapered annual-allowance threshold.
Why it matters — When threshold income passes £100,000 and adjusted income passes £110,000, the annual allowance tapers from £60,000 down to a minimum of £10,000. Contributions above the tapered allowance trigger a tax charge unless carry-forward relief or pension-input-period adjustments apply.
Suggested action
Confirm threshold and adjusted-income figures with payroll; calculate the tapered allowance and any unused carry-forward; arrange a tax-aware contribution review before 5 April.
Suggested education
Understanding the Tapered Annual Allowance
Suggested communication
Hi Ben, your income is now above the level where pension tax relief can taper. Important to review your contribution level and available carry-forward — can we book 15 minutes this week?
Due / owner
— · Automated monitor
Estimated impact: Tapered AA likely in effect — excess contributions risk an annual-allowance charge. · Confidence 84% · Source Payroll / salary monitoring (automated)
Contribution Drop · Harrington Motor Group
Charlotte Wilson
Contribution reduced from 7% to 4% in the last payroll cycle.
Why it matters — A sustained reduction materially changes long-term retirement saving.
Suggested action
Check whether the reduction was intentional and offer an educational conversation.
Suggested education
Understanding Your Contribution
Suggested communication
"We noticed your pension contribution changed."
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — long-term contribution level · Confidence 88% · Source NEST monthly export
Educational information only. This is not regulated personal financial advice.
Movement
What changed since your last login?
Click any change to open the affected employee cohort.
17 employees received salary increases
Open cohort11 employees crossed an age milestone
Open cohort23 employees have never interacted with pension education
Open cohort7 employees appear to have stopped increasing contributions
Open cohort14 new employees became eligible
Open cohort8 employees are approaching retirement
Open cohort31 employees did not open last month's educational campaign
Open cohort12 employees completed education but took no subsequent action
Open cohort6 employees made a contribution change after education
Open cohort1 employee crosses the £100k tapered annual-allowance threshold
Open cohort