Re: Irish life
If you want to switch your pension to another provider with lower charges, you'd have to get the agreement of your employer first. They may or may not agree to make contributions to your chosen pension plan. If they don't agree, you're better off sticking to the one you've got. I'm presuming that the charge you mention is 5% of each contribution. The employer contribution is 5% of salary. The latter is far more valuable.
(Can I suggest that you edit the title of your post to something more relevant to your specific query? See .)