Provider comparison
Aviva vs Smart Pension
Side-by-side comparison from the PerkIQ directory. Cover, pricing, regulator status, and fit at a glance.
Category
Pension & Retirement
Pension & Retirement
Best for
Businesses of all sizes
Businesses of all sizes
Pricing model
On request
Depends on employer size and set-up route
UK presence
UK insurer
UK master trust
Regulator
FCA and PRA regulated insurer (see FCA Register)
Master trust authorised by The Pensions Regulator
Strapline
Aviva offers workplace pensions for employers, including a group personal pension and a master trust, alongside group protection.
Smart Pension runs a workplace pension master trust with a digital set-up for employers and an app for members.
What's included
- Group personal pension. A contract-based workplace pension for auto-enrolment.
- Aviva Master Trust. A trust-based workplace pension run by a trustee board.
- Group protection. Group life and income protection available alongside the pension.
- Direct or through an adviser. Available directly or through a financial adviser or broker.
- Online set-up. Employers set up and run the scheme online.
- Member app. Employees check and manage their pension in an app.
- Payroll integrations. Connects to payroll software including Xero, Sage and IRIS.
- Fund choice. A default fund plus other options, including responsible investment funds.
At a glance
- FCA and PRA regulated
- Group personal pension
- Master trust option
- Group protection available
- Authorised by The Pensions Regulator
- Digital set-up
- Member app
- Payroll integrations
Pick the right one with data, not a sales pitch
Score your benefits stack with PerkIQ and you'll see which of these (or another provider entirely) closes the biggest gaps for your team.
Information on this page is editorial, gathered from public sources and the providers' own materials, and does not constitute financial advice or a recommendation. For a quote, contact each provider directly or speak to an FCA-authorised broker. PerkIQ is not a reseller and earns no commission on provider sign-ups.