We at Pensions Insight, in association with State Street Global Advisors, wanted to know what schemes are thinking and where they are on their freedom and choice journeys. We surveyed more than 50 of the UK’s leading defined contribution schemes to find out how their members have reacted to this new universe of options and how scheme design is changing as a result. We were also interested to hear how schemes are using communications best practice to improve member engagement, and ultimately leave members with sufficient retirement provision.