Of course there's commission for a broker for arranging a pension. As I said, the charges I quote above include commission and charges. Even after commission and charges to the pension company, the customer still gets 95% of each and every contribution invested, subject then only to a 1% annual fund management charge. This is the charge for any Standard PRSA from any company. Some online brokers arrange PRSAs with even lower charges than this. Google PRSA and see.
I think you're mistaking a written illustration with a forecast. Any written ilustration anyone receives from any pension company clearly states that it is NOT a forecast/prediction nor intended as such. It's merely an illustration of what your fund could be worth IF certain assumptions made are met.
Google "Approved Retirement Fund Death" and you'll see that an Approved Retirement Fund can be inherited 100%.
As regards my own family, over the years I've arranged both pensions and finance for house purchases for family members. I'll certainly be encouraging my own kids to start making pension contributions from an early age.
You'd need a crystal ball to predict either of those!