I think we're heading for the Soap Box forum!!
Why does the government (any of them...) want you to sort out an empoyee's pension? Because the pension system that we have all been paying into for years is bu..ered and will probably not be anything else now!
Good luck!
You have not been paying into a pension system Graham.
Pensions are paid out of current tax receipts.
As the population ages......... Anyway you know.
You know it makes sense! 
