Services for Employers and Sponsors

Services for Employers and Sponsors

Sometimes employers come to the pensions party unsupported by sufficient legal advice and may seek to rely on non-specialist advisers or even on trustees’ own retained advisers. Unsurprisingly, we strongly advocate dedicated, specialist legal support for employers and other scheme sponsors across a wide-range of issues.


In our experience, high quality legal advice at a critical juncture can not only ensure the achievement of your business aims, but potentially save significant costs and reduce your risk exposure. On these pages, we illustrate just some of the services that we provide to employers and pension scheme sponsors, but should you have an enquiry on a topic not covered here, please do not hesitate to contact us.

Case study: Hoover Limited


Partners Anne-Marie Winton and Rosalind Connor advised Hoover Limited on its pensions restructuring through a rarely used legal process called a Regulated Apportionment Arrangement. Under the RAA, Hoover was released from around £500m of pensions liabilities and the continued employment of 500 employees was secured. The deal was approved by The Pensions Regulator, Pension Protection Fund and scheme trustees. It was the first of only two RAAs agreed in 2017; the other related to British Steel Pension Scheme.


The Hoover RAA negotiations involved another first, as the Pensions Regulator ordered a “skilled person’s report” on affordability of contributions in an attempt to break the funding deadlock between the trustee and the company. For more information see the Section 89 Report issued by The Pensions Regulator here. A spokesman for the Pensions Regulator stated: “We do not agree to these types of arrangements lightly but in this case we believe it is the right outcome for scheme members and the PPF.”

“ARC provided comprehensive and effective advice and support on a matter of significant importance and complexity. The team at ARC not only conveyed the requirements and operation of the law on pensions but also understood the dynamics of the business and its operations as well as the needs, interest and constraints of the other stakeholders – instilling confidence in the directors and senior managers of the Company. An important and effective partner throughout this demanding process.”

Abs Bokhari, Director, Hoover Limited
Lloyds pensions ruling: much needed clarity provided on guaranteed minimum pensions

Following last month’s landmark High Court ruling on Guaranteed Minimum Pensions (GMPs), namely that Lloyds Banking Group must equalise some legacy benefits for men and women, the newspaper headlines were perhaps predictable. The focus, even from the BBC and The Times, was that gender equalisation of pension pay outs could have a potentially detrimental effect, adding £15-£20bn to the costs of UK defined benefit pension schemes....

New draft pension scheme investment regulations – power to the people?

Have you seen the news?  Members are getting powers to hold trustees to account over their consideration of environmental, social and governance (ESG) factors when setting the investment strategy.  Now, that is a scoop!  But is it true? In its consultation on clarifying and strengthening......

Our vision

is to provide the highest quality, specialist pensions law advice and support for those involved in running workplace pension schemes

Our strategy

is to attract talented, dynamic individuals who share our values and support them in giving their best to our clients

Our values

Teamwork, contribution, integrity and respect
are core to who we are

ARC Pensions Law:

Pension schemes are our workplace,

Pensions law is our focus

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