Are your payments made through salary sacrifice?
What do we mean by this?This lets you swap part of your pay, before Income Tax and National Insurance, for a payment into your pension. You choose how much to swap, then your employer pays that amount into your pension, together with any payments they’ve agreed to make. It can mean that both you and your employer pay less National Insurance. But not all employers offer salary sacrifice. So it's best to check with your employer to find out how you pay into your pension.