Governance Solutions for AVCs & DC Schemes

Consolidate Complexity. Strengthen Compliance

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  • Simplifying AVC & small DC Scheme governance

    As trustees you are under growing pressure to ensure AVCs and small DC schemes meet new regulatory standards, including Pensions Dashboard integration and Value for Money (VfM) assessments. However, many legacy AVC arrangements remain costly, poorly governed, and administratively complex.

    Dalriada.Defined Contribution Consolidator (DCC) provides you with a trustee-led solution that removes compliance burdens while ensuring stronger oversight, risk reduction, and cost efficiency. Our approach supports small DC scheme consolidation, improving governance and delivering better outcomes for members.

    How AVC & small DC arrangements create governance risks

    Many legacy AVC arrangements struggle with:

    • Outdated investment options that no longer meet your members’ needs.
    • High charges that struggle to meet Value for Money (VfM) requirements.
    • Poor-quality data, making compliance difficult.
    • Regulatory pressure to consolidate and improve member outcomes.

    If these issues aren’t addressed, your scheme potentially faces greater scrutiny from The Pensions Regulator (TPR) and FCA, higher costs, and dissatisfied members.

    Dalriada.DCC a smarter governance model

    Our trustee-led consolidator approach simplifies AVC and small DC governance, ensuring:

    Full Regulatory Compliance

    Aligning with TPR’s consolidation agenda and meeting dashboard & decumulation requirements.

     

    Stronger Oversight & Risk Reduction

    Removing AVC liabilities and governance burdens from trustees.

    VfM-Focused Investment Choices

    Ensuring your members benefit from well-managed, cost-effective funds.

    Data Accuracy & Transparency

    Helping you improve data quality and regulatory reporting.

    Small DC scheme consolidation through Dalriada.DCC helps trustees meet evolving standards without the administrative burden of legacy arrangements.

    How it works

    Dalriada acts as lead trustee, overseeing the entire consolidation process in collaboration with:

    This integrated approach ensures a seamless transition, risk reduction and long-term efficiency.

    Why Acting Now Matters

    With increasing governance expectations and regulatory requirements, inaction is no longer an option. Consolidating your schemes AVCs and small defined contribution arrangements into a well-managed structure will:

    1. Reduce compliance risks and avoid costly interventions.
    1. Improve member confidence by enhancing transparency and communication.
    1. Future-proof their governance framework for evolving pension regulations.

    How we can help

    Dalriada. DCC provides you with an immediate, scalable, trustee-led solution that ensures full compliance without the ongoing governance burden.

    Contact our team today to simplify your scheme’s governance

  • Get in touch with us

    Call us on 028 9041 2018 or fill out the form below and someone will get back to you.