All employees

Stephen Ward

Age 47 · Aftersales · Slough · Harrington Motor Group

EnrolledContribution Decreased

Pension value

£96,750

Employee contribution

3%

Employer contribution

4%

Salary

£43,000

Salary change

0%

Unchanged for

2 months

Years to retirement

20

Projected income

£14,620 pa

Educational information only. This is not regulated personal financial advice.

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Contribution Stop

Contribution fell to 3% — data suggests a deliberate reduction to below default.

Advisor call to confirm intention and explain employer contribution mechanics.

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Timeline

Behaviour recorded after an intervention is shown as observed — not as proven causation.

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