The Government Actuary’s Department (GAD) performs an annual review of Civil Service defined contribution (DC) pension schemes to ensure members receive good value and service.

Civil Service DC pension schemes

A DC scheme is a pension where contributions are allocated to members’ individual accounts. Benefits on retirement reflect the contributions paid, investment returns and provider expenses.

The Civil Service operates Partnership, Concord and Additional Voluntary Contribution (AVC) DC schemes. They currently use Legal & General’s (L&G) MasterTrust as their pension provider. There are also legacy arrangements managed by Scottish Widows, Standard Life and Utmost. The schemes have more than 25,000 members in aggregate.

Our annual review

Our support to the Cabinet Office includes an a

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