Opportunity engine
Every issue becomes a prioritised opportunity
Priority is scored 0–100 from financial significance, time sensitivity, retirement proximity, contribution behaviour, engagement and trigger confidence.
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
High Earner Taper · Pemberton Professional Services
Edward Lynd
Adjusted income estimated at £215k — tapered annual allowance applies (£10k reduced).
Why it matters — Untapered contributions risk a tax charge and unused allowance is lost.
Suggested action
Pre-year-end tax-aware contribution review and salary-sacrifice rebalance
Suggested education
Tapered annual allowance explainer for high earners
Suggested communication
Edward, ahead of the March bonus run, let's review your annual allowance position before the year end.
Due / owner
2026-09-15 · James Taylor
Estimated impact: Up to £10k unused annual allowance at risk · Confidence 0.82% · Source Payroll
High Earner Taper · Pemberton Professional Services
Marcus Bellamy
Adjusted income £130,000 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 Marcus, 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)
Pre Retirement · Harrington Motor Group
Helen Waite
Within 6 years of stated retirement age; strong engagement but no retirement planning meeting.
Why it matters — Engaged pre-retirees are the highest-value conversations available.
Suggested action
Book a retirement planning conversation.
Suggested education
Preparing for Retirement
Suggested communication
"Let's map out your retirement options."
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — retirement conversation · Confidence 88% · Source NEST monthly export
Opt Out · Harrington Motor Group
Chris Neale
Employee opted out of the workplace pension.
Why it matters — Opting out forgoes the employer contribution and tax relief.
Suggested action
Confirm the employee understands what is being given up; flag to HR.
Suggested education
What Opting Out May Mean
Suggested communication
"What opting out may mean for your future pension."
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — employer contribution forgone · Confidence 88% · Source NEST monthly export
Employee Question · Harrington Motor Group
Mohammed Ali
Asked: "Should I combine my old pensions?"
Why it matters — This question needs personalised guidance rather than general education.
Suggested action
Book an advisor conversation — consolidation requires personal analysis.
Suggested education
Understanding Old Pension Pots
Suggested communication
"Let's talk through your old pension pots."
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — warm advisor lead · Confidence 88% · Source Employee assistant
Salary Increase · Harrington Motor Group
Sarah Morgan
Salary increased 14% but pension contribution percentage has not changed.
Why it matters — Contribution percentages that stay flat after a pay rise quietly lock in inertia.
Suggested action
Send the salary change education, then invite to the next Building Your Pension session.
Suggested education
What Happens When Your Salary Changes
Suggested communication
"Your salary changed — should your pension contribution change too?"
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — contribution review · Confidence 88% · Source NEST monthly export
High Earner Taper · Pemberton Professional Services
Victoria Pemberton
Adjusted income estimated at £190k — tapered annual allowance applies (£35k reduced).
Why it matters — Large pension input could breach the reduced allowance.
Suggested action
Carry-forward calculation and contribution cap
Suggested education
Tapered annual allowance explainer
Suggested communication
Victoria, let's size your available allowance before year end.
Due / owner
2026-09-15 · James Taylor
Estimated impact: Up to £35k reduced allowance; carry-forward review advised · Confidence 0.8% · Source Payroll
High Earner Taper · Harrington Motor Group
Victoria Ashworth
Adjusted income estimated at £117,720 — above the £100,000 tapered annual-allowance threshold.
Why it matters — Once income exceeds £100,000 the annual allowance tapers, so contributions above the reduced allowance can face a tax charge. Acting early preserves tax-efficient saving via carry-forward and planning.
Suggested action
Flag for an annual-allowance review; estimate the reduced allowance, assess carry-forward, and arrange an advisor conversation.
Suggested education
Understanding the Tapered Annual Allowance
Suggested communication
Your pension may be affected by the tapered annual allowance — worth understanding now.
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — annual-allowance tax charge · Confidence 82% · Source Payroll + NEST monthly export
Salary Increase · Harrington Motor Group
Emma Roberts
Salary increased 12%; contribution unchanged for 26 months.
Why it matters — Both a pay rise and long-run inertia are present in the same record.
Suggested action
Send salary change education and add to the mid-career cohort.
Suggested education
What Another 1% Could Mean Over Time
Suggested communication
"Your pay changed. Your pension deserves another look."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — contribution review · Confidence 88% · Source NEST monthly export
Employer Action · Harrington Motor Group
Harrington Motor Group
Participation in Aftersales is 6 points below the company average.
Why it matters — Departmental gaps often reflect a communication rather than a willingness problem.
Suggested action
Propose a departmental briefing and manager toolkit to HR.
Suggested education
Understanding Your Workplace Pension
Suggested communication
Employer briefing pack
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — participation · Confidence 88% · Source NEST monthly export
Age Milestone · Harrington Motor Group
Gary Simmons
Crossed age 55 milestone with no education engagement in 12 months.
Why it matters — Age 55 introduces options that benefit from advance understanding.
Suggested action
Add to the pre-retirement workshop cohort.
Suggested education
Your Pension in Your 50s
Suggested communication
"You've reached an age where pension choices widen."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — retirement readiness · Confidence 88% · Source NEST monthly export
Employer Action · Harrington Motor Group
Harrington Motor Group
29 employees have never engaged with pension education.
Why it matters — A large non-engaged group suppresses every downstream metric.
Suggested action
Present re-engagement campaign for employer approval.
Suggested education
Understanding Your Workplace Pension
Suggested communication
Employer approval request
Due / owner
2026-02-27 · James Taylor
Estimated impact: High — engagement · Confidence 88% · Source NEST monthly export
High Earner Taper · Northbridge Construction
Sean Malloy
Adjusted income estimated at £172k — tapered annual allowance applies (£55k reduced).
Why it matters — Existing high contributions risk breaching the reduced allowance.
Suggested action
Contribution cap and carry-forward
Suggested education
Tapered annual allowance explainer
Suggested communication
Sean, your allowance has reduced — let's cap contributions pre-year-end.
Due / owner
2026-09-30 · James Taylor
Estimated impact: Allowance reduced to ~£35k · Confidence 0.79% · Source Payroll
Salary Increase · Harrington Motor Group
Nathan Price
Salary increased 11%; contribution unchanged for 22 months.
Why it matters — Pay rise plus inertia is the most actionable combination in the dataset.
Suggested action
Send salary change education.
Suggested education
What Happens When Your Salary Changes
Suggested communication
"Your pay changed. Your pension deserves another look."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — contribution review · Confidence 88% · Source NEST monthly export
Disengaged · Harrington Motor Group
Ben Carter
Enrolled but has never opened pension education or communications.
Why it matters — Disengaged employees rarely revisit default settings.
Suggested action
Send the plain-English enrolment explainer, then escalate to the onsite cohort if unopened.
Suggested education
Understanding Your Workplace Pension
Suggested communication
"You're enrolled. Here's what that means."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — engagement · Confidence 88% · Source NEST monthly export
High Earner Taper · Northbridge Construction
Olivia Bryce
Adjusted income estimated at £178k — approaching the £100k taper zone.
Why it matters — Bonus timing can push income over the threshold.
Suggested action
Bonus timing and contribution review
Suggested education
High-earner taper 60-second read
Suggested communication
Olivia, a quick check on bonus before March to keep you below the taper.
Due / owner
2026-10-01 · James Taylor
Estimated impact: Allowance taper initiated if income crosses £100k · Confidence 0.78% · Source Payroll
Contribution Inertia · Harrington Motor Group
Marcus Obi
Contribution unchanged for 25 months and near the statutory minimum.
Why it matters — Long inertia at minimum levels is the largest driver of low projected outcomes.
Suggested action
Send the 1% educational scenario, no recommendation to increase.
Suggested education
What Another 1% Could Mean Over Time
Suggested communication
"What could another 1% mean?"
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — projected outcome · Confidence 88% · Source NEST monthly export
High Earner Taper · Vertex Digital Studios
Dale Foster
Income £92,000 is within £10k of the £100k tapered annual-allowance threshold.
Why it matters — A short planning window before crossing £100k is the last chance to act without tax charges or complex carry-back corrections. Keeping threshold income below £100,000 preserves the full £60,000 annual allowance.
Suggested action
Run a threshold-income estimate with the payroll contact; schedule a 1:1 to discuss pre-year-end planning (salary exchange, bonus sacrifice, contribution timing).
Suggested education
Understanding the Tapered Annual Allowance
Suggested communication
Hi Dale, your income is approaching the level where pension tax relief can start to taper. It's a good moment to review your contributions so you keep the full benefit of your annual allowance — can we book 15 minutes?
Due / owner
— · Automated monitor
Estimated impact: Pre-threshold planning window — options narrow once the taper applies. · Confidence 78% · Source Payroll / salary monitoring (automated)
High Earner Taper · Pemberton Professional Services
Hugo Marchetti
Income £95,000 is within £10k of the £100k tapered annual-allowance threshold.
Why it matters — A short planning window before crossing £100k is the last chance to act without tax charges or complex carry-back corrections. Keeping threshold income below £100,000 preserves the full £60,000 annual allowance.
Suggested action
Run a threshold-income estimate with the payroll contact; schedule a 1:1 to discuss pre-year-end planning (salary exchange, bonus sacrifice, contribution timing).
Suggested education
Understanding the Tapered Annual Allowance
Suggested communication
Hi Hugo, your income is approaching the level where pension tax relief can start to taper. It's a good moment to review your contributions so you keep the full benefit of your annual allowance — can we book 15 minutes?
Due / owner
— · Automated monitor
Estimated impact: Pre-threshold planning window — options narrow once the taper applies. · Confidence 78% · Source Payroll / salary monitoring (automated)
Pre Retirement · Oakhill Schools Trust
Catherine Pell
Within 4 years of retirement.
Why it matters — Final-salary nuances and shaping retirement income need early planning.
Suggested action
Book 1:1 retirement clinic
Suggested education
Pre-retirement workshop
Suggested communication
Catherine, let's map your TPS benefits to a retirement income plan.
Due / owner
2026-09-12 · James Taylor
Estimated impact: Retirement income optimisation · Confidence 0.8% · Source Pension file
Consolidation · Harrington Motor Group
Farah Iqbal
Records indicate at least two other pension pots may exist.
Why it matters — Old pots are frequently forgotten and poorly understood.
Suggested action
Offer an educational conversation about old pots — no consolidation recommendation.
Suggested education
Understanding Pension Consolidation
Suggested communication
"Do you know where your old pensions are?"
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — engagement · Confidence 62% · Source NEST monthly export
Employer Action · Harrington Motor Group
Harrington Motor Group
14 new hires require pension orientation.
Why it matters — New joiner orientation is the cheapest lasting intervention available.
Suggested action
Book a new joiner orientation session with HR.
Suggested education
What Auto-Enrolment Means
Suggested communication
Employer scheduling request
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — onboarding · Confidence 88% · Source NEST monthly export
Beneficiary · Brightwater Health & Care
David Peake
No beneficiary on record — death-in-service coverage at risk.
Why it matters — Benefits may not pay to intended family.
Suggested action
Trigger beneficiary reminder campaign
Suggested education
Beneficiary nomination walkthrough
Suggested communication
David, a 2-minute task: confirm who your pension pays out to.
Due / owner
2026-09-05 · James Taylor
Estimated impact: Death-in-service payout misdirected · Confidence 0.83% · Source Pension file
Beneficiary · Harrington Motor Group
Alan Pemberton
No nomination information recorded with the provider.
Why it matters — Missing nomination information can complicate matters for families.
Suggested action
Send nomination education and prompt an update with the provider.
Suggested education
Beneficiary / Nomination Basics
Suggested communication
"Have you reviewed who should receive your pension benefits?"
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — administrative · Confidence 88% · Source NEST monthly export
High Earner Taper · Vertex Digital Studios
Marcus Teale
Adjusted income estimated at £160k — within £10k of the taper start.
Why it matters — Small income movements could trigger the taper.
Suggested action
Monitor income and review contribution levels
Suggested education
High-earner tapered allowance FAQ
Suggested communication
Marcus, you're close to the taper — worth reviewing this quarter.
Due / owner
2026-10-15 · James Taylor
Estimated impact: Allowance taper imminent · Confidence 0.74% · Source Payroll
Contribution Inertia · Harrington Motor Group
Jodie Marsh
Contribution unchanged for 20 months.
Why it matters — Early-career inertia compounds over decades.
Suggested action
Include in the mid-career cohort campaign.
Suggested education
How Compound Growth Works
Suggested communication
"Small changes, long runway."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — projected outcome · Confidence 88% · Source NEST monthly export
Beneficiary · Vertex Digital Studios
Lena Curtis
No beneficiary recorded.
Why it matters — Death-in-service and pension benefits may pay incorrectly.
Suggested action
Send beneficiary reminder
Suggested education
Beneficiary nomination walkthrough
Suggested communication
Lena, two minutes to confirm your beneficiary.
Due / owner
2026-09-20 · James Taylor
Estimated impact: Benefits misdirected · Confidence 0.81% · Source Pension file
Opt Out · Solent Hospitality Group
Tara Mendez
Opted out within 3 months of auto-enrolment.
Why it matters — Early opt-outs lose employer match and compound growth.
Suggested action
Add to re-engagement cohort
Suggested education
Re-enrolment and 'don't leave free money on the table' read
Suggested communication
Tara, you can rejoin anytime — your employer adds 3% on top.
Due / owner
2026-09-10 · James Taylor
Estimated impact: Loss of employer contribution ~£840/yr · Confidence 0.72% · Source Pension file
New Joiner · Harrington Motor Group
Oliver Khan
New joiner has not opened the pension introduction.
Why it matters — First-months habits shape lifetime contribution behaviour.
Suggested action
Resend in short-read format and invite to new joiner orientation.
Suggested education
What Auto-Enrolment Means
Suggested communication
"Welcome to your workplace pension."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Medium — habit formation · Confidence 88% · Source NEST monthly export
Contribution Inertia · Caledon Manufacturing Ltd
Derek Allan
Contribution rate unchanged for 30 months.
Why it matters — Static contributions fall behind salary growth.
Suggested action
Invite to onsite class
Suggested education
Mid-career 'Build Your Pension' class
Suggested communication
Derek, your contributions haven't moved in over two years — let's fix that.
Due / owner
2026-09-18 · James Taylor
Estimated impact: Estimated £6k/yr under-contributing · Confidence 0.71% · Source Payroll
Age Milestone · Harrington Motor Group
Rachel Doyle
Crossed age 50 milestone.
Why it matters — Age 50 is a natural point for a mid-to-late career review.
Suggested action
Send age-appropriate education.
Suggested education
Your Pension in Your 50s
Suggested communication
"Your pension in your 50s."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Low — engagement · Confidence 88% · Source NEST monthly export
Consolidation · Meridian Logistics Group
Linda Marsh
Multiple pension pots detected across previous employers.
Why it matters — Fragmented pots usually carry higher fees and weaker investment choices.
Suggested action
Trigger consolidation campaign
Suggested education
Consolidation explainer with pot-finder tool
Suggested communication
Linda, we found two old pots — would you like a consolidation review?
Due / owner
2026-09-20 · James Taylor
Estimated impact: Fee savings and clearer investment · Confidence 0.7% · Source Pension file
New Joiner · Harrington Motor Group
Tom Blackwood
Became eligible this month; introduction not yet delivered.
Why it matters — New joiners need an early, plain-English introduction.
Suggested action
Send new joiner introduction sequence.
Suggested education
Understanding Your Workplace Pension
Suggested communication
"Your pension has started — here's what it means."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Low — onboarding · Confidence 88% · Source NEST monthly export
Education Non Consumption · Harrington Motor Group
Nadia Petrova
Important education sent twice with no open recorded.
Why it matters — Non-consumption means the intervention has not landed.
Suggested action
Send in alternative format, then add to advisor outreach list.
Suggested education
Salary Sacrifice Explained
Suggested communication
"A 60-second version, in case you're short of time."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Low — engagement · Confidence 88% · Source NEST monthly export
New Joiner · Harrington Motor Group
Katie Lomax
Became eligible; no engagement recorded.
Why it matters — Early education prevents years of default inertia.
Suggested action
Add to new joiner orientation list.
Suggested education
Understanding Tax Relief
Suggested communication
"Three things worth knowing about your new pension."
Due / owner
2026-02-27 · James Taylor
Estimated impact: Low — onboarding · Confidence 88% · Source NEST monthly export
Disengaged · Ashford Retail Holdings
Beth Sutherland
No engagement with pension comms in 12 months.
Why it matters — Disengaged members rarely revisit default contribution levels.
Suggested action
Send SMS + onsite poster campaign
Suggested education
60-second 'your pension in plain English' read
Suggested communication
Beth, a 60-second check on your pension could be worth thousands.
Due / owner
2026-09-25 · James Taylor
Estimated impact: Likely contribution inertia · Confidence 0.68% · Source Engagement feed
Education No Action · Harrington Motor Group
Priya Nair
Completed education but no observable pension action followed.
Why it matters — Completion without action may indicate a remaining barrier.
Suggested action
Optional light-touch follow-up.
Suggested education
Questions to Ask Your Pension Advisor
Suggested communication
"Anything you'd like to ask?"
Due / owner
2026-02-27 · James Taylor
Estimated impact: Low — engagement · Confidence 88% · Source NEST monthly export
Education No Action · Harrington Motor Group
Aisha Rahman
Completed three lessons; contribution increase already observed.
Why it matters — Positive case worth recording as an outcome.
Suggested action
Record outcome and monitor.
Suggested education
Inflation and Your Retirement
Due / owner
2026-02-27 · James Taylor
Estimated impact: Low — monitor · Confidence 88% · Source NEST monthly export
New Joiner · Northbridge Construction
Tara Neville
Joined in last 60 days — no pension education yet.
Why it matters — First-month contribution habits persist for years.
Suggested action
Add to orientation session
Suggested education
New joiner pension orientation
Suggested communication
Welcome Tara — here's a 60-second intro to your pension.
Due / owner
2026-09-10 · James Taylor
Estimated impact: Foundational contribution habit · Confidence 0.66% · Source HRIS