BUSINESS MODEL WE SELL TO EMPLOYERS AND PENSION SCHEMES USING A SUBSCRIPTION BASED MODEL. Benefits for Employers Benefits for Pension Schemes (Average cost £3 per user per month) (Average cost £1 per user per month) Reduced NIC bill offsetting cost of benefit provision* Increased chargeable assets under management Significant shift in staff engagement with workplace benefit Meet regulatory obligations in relation to value for money Measurable improvements in staff pension literacy Low cost, plug-in solution for all members Staff feel financially secure, so improved financial wellbeing No requirement to build complex technology Increased employee loyalty, staff retention and trust Real-time measurement of member engagement * The cost of the product to an employer is fully offset if the average staff member contributes an additional £21 p.m.