About Us

Box Pensions binds together leading experts from across the pensions and benefits industry for the good of all our members.

So who makes Box Pensions so strong?

Governance – Salvus Master Trust

The Salvus Master Trust was established by Goddard Perry in 2012 to offer a Qualifying Workplace Pension Scheme to companies. A Master Trust operates under Trust Law and is considered by many to be a safer pension option to Contract based pensions run by Life Companies. The Master Trust has a set of rules laid down in law, which the Trustees adhere to stringently. The responsibility of those Trustees is to ensure that the pension benefit of every member is well run. The Salvus Master Trust has recently merged with another Master Trust called Spinnaker which supports the Pension Protection Fund, which is a cornerstone of the pensions industry and testament to the high quality of the team behind Salvus. The Salvus Master Trust is regulated by The Pension Regulator whilst Goddard Perry are regulated by the Financial Conduct Authority.

find out more about the Salvus Master Trust 

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Administration – HS Admin

HS Admin are based in Liverpool and are a long established third party administrator to pension schemes. They have been operating since 1984 and administer nearly £3billion of pension assets in the UK. Pension scheme administration is their core business and they deliver a highly professional service to very high standards and administer the Pension Protection Fund on behalf of the government. HS Admin are regulated by the Financial Conduct Authority.

Find out more about HS Admin 

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Other Benefits – Unum

Unum have teamed up with Box Pensions to offer employers using us to provide a pension scheme with the option of offering two simple insurance policies for their staff too. Life Cover and Income Protection are not often offered by anyone other than large companies but we have made the application process simple and secured really good pricing from Unum enabling employers to offer even more to their loyal staff.

At the end of 2015, Unum protected almost 1.4 million people in the UK and paid claims of £294 million – representing in excess of £5.6 million a week in benefits to our customers – providing security and peace of mind to individuals and their families.

Find out more about Unum products 

Other Benefits – Perkbox

Perkbox are focussed on employee happiness and like us believe everyone should feel happy at work, no matter what they do or where they are in the company. We are striving to make pension saving a normal habit and to help people engage with this important piece of personal planning. By linking their pension to everyday activities we hope that your staff will develop a stronger relationship with their long term finances too and not forget about their pension for decades! 

Through Perkbox you can secure access to more than a hundred gobsmacking rewards, ranging from free food in major UK restaurants, to movie tickets, to phone insurance and more. Treat yourself and your team this box of extra perks!

Find out more about Perkbox

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Investment Management

The default investment strategy is administered by HS Admin within the Salvus Master Trust. The investments themselves are mostly run by BlackRock and comprise a selection of their funds that enable the pension scheme to offer a de-risking strategy that is aligned to the pension member’s age as they approach a selected retirement age. BlackRock manage over £3Trillion of investments worldwide and have over 100 specialist investment teams globally. Box Pensions also offers a range of other investment funds provided by Aegon, HSBC, Legal & General and M&G. All investment companies available are monitored quarterly by the Trustees for their appropriateness to the membership and are regulated by the Financial Conduct Authority.

find out more about the default investment strategy on the other funds

Find out more about Funds 

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The Pension Regulator

The Pensions Regulator is the UK regulator of work-based pension schemes. They work with trustees, employers, pension specialists and business advisers, giving guidance on what is expected of them. They also have functions under legislation passed in 2008 and a statutory objective to maximise compliance with the employer duties under that legislation relating to automatic enrolment. Their principal aim is to prevent problems from developing. Their statutory objectives are set out in legislation and include promoting and improving understanding of the good administration of work-based pensions to protect member benefits.

find out more about The Pensions Regulator

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