Marc Ó Cathasaigh (Waterford, Green Party) | Oireachtas source

It is definitely a lacuna in what we have been presented with in the general scheme, as Ms Kelly said, and it is completely silent about these issues on my reading. As for the alignment with occupational pension schemes, it comes back to the central processing agency, CPA, and the fact we envision people moving in and out of this auto-enrolment. It would be hoped, and it will not be the case for everybody, that people would graduate from auto-enrolment and move to an occupational pension, which in the vast majority of cases will be a better pension system for those involved. I would like to give the witnesses more opportunity to expand on that. I do not see a way around it apart from the pot follows the member, which a more super-powered CPA would probably be in a better position to manage rather than people building up individual small pensions as they more from employment to employment. I would like the benefit of the witnesses' experience of how they see the challenges of integrating an auto-enrolment scheme into the occupational pension scheme as people move in and out of those areas.