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

I understand that point and the tensions that exist; however, in general, somebody going to end up in an occupational pension is probably in longer-term employment, whereas much of what we are trying to do in creating an auto-enrolment model is aimed at people who may be in more transitory employment. I have not drafted the Bill but believe that if you allow the six-month opt-out period, a 50% hole will be cut in the pension provision of those who move employment every 12 months. I realise people do not necessarily move every 12 months. I get the central point on making six months of auto-enrolment contributions before entering an occupational pension scheme. The additional layer may involve a complication but I worry that if we implement a waiting period, those towards whom the auto-enrolment provision is probably geared could end up with a substantial hole in provision over time.

This relates to another point on which I would like to give the witnesses a chance to expand. The point has come through in various contributions. I am referring to businesses' flexibility in providing for top-ups or additional voluntary contributions. Might a lack of flexibility have a gender implication? This was mentioned briefly. I would like to give the delegates a chance to comment on that also.