Pension Tracing

✅  Peace of mind!

All of our pension member tracing services are no trace no fee so if we don’t find the person you are looking for you won’t pay a penny.

ℹ️  We don’t need much!

All you need is the persons name and either their old address or date of birth.

💨  7 days fast!

Normally just 7 days and a maximum of 30 days.

🔐  Find UK People keeps you safe

All of our supplied information is guaranteed for 60 days and we will recheck it free of any charge during this period if you need some further validation.

🏦 To reconnect to pension fund members

Pension fund administrators and trustees are under increasing pressure to maintain accurate, up-to-date records of scheme members. A specialist pension member tracing service, such as that offered by Find UK People®, can help address this challenge efficiently and compliantly.

✅ Key Benefits of Pension Member Tracing

1. Locate Missing Members
Over time, members may move home, change contact details, or disengage from their scheme. Our tracing services help locate these individuals, ensuring they receive their entitlements and remain engaged with their pension.

2. Ensure Regulatory Compliance
UK pension schemes are legally required to maintain accurate member data, including up-to-date addresses. Failure to do so may result in regulatory scrutiny or penalties. Using a compliant tracing service helps meet these obligations with confidence.

3. Improve Data Accuracy
We validate and update existing contact records using verified data sources such as credit reference agency records (e.g. Experian and Equifax). This ensures your scheme’s member database is reliable for communication and reporting purposes.

4. Reduce Unclaimed Benefits
Tracing deferred or lost members minimises unclaimed benefits, reduces scheme liabilities, and ensures all members receive their rightful entitlements—strengthening the overall financial health of the fund.

5. Enhance Member Communication
Maintaining accurate addresses allows pension schemes to deliver key information—such as benefit statements, policy changes, and retirement planning updates—promptly and securely.

6. Cost-Effective and Scalable
Outsourcing member tracing to a dedicated agency like Find UK People® is more efficient and cost-effective than internal resourcing. We use layered data points and advanced tracing techniques for fast, high-confidence results.

7. Build Member Trust
Taking proactive steps to stay in contact with members—especially as they approach retirement—enhances trust in the scheme and demonstrates your commitment to delivering on long-term promises.

8. Improve Risk Management
Missing members represent a latent liability. Knowing their current address ensures you are not exposed to unexpected claims and enables accurate actuarial forecasting.

🏦 Regularly review and update member records

It is considered best practice for pension schemes to regularly review and update member records, particularly in anticipation of key life stages such as retirement. The Pensions Regulator (TPR) recommends that schemes trace missing members at least once every year, and more frequently as members approach retirement age.

In practical terms, pension fund managers should:

• Conduct a full member data cleanse ahead of scheme buyouts or liability-driven investments.

• Re-trace deferred members every 12–18 months to ensure continued contact.

• Trace active and deferred members when annual statements, retirement packs, or benefit payments are due.

Regular tracing helps ensure accurate member data, improves member engagement, supports de-risking strategies, and ensures compliance with TPR guidelines on record-keeping.

🏦 Pension member data required

To trace a missing pension scheme member, only a minimal set of data is typically required. At a minimum, the following information is useful:

• Full name (including middle names if available)

• Date of birth

• Last known address

• Any previous contact details such as phone or email

Even partial or outdated data can be sufficient when working with a specialist tracing agency like Find UK People®, which leverages verified credit reference data (e.g. from Experian and Equifax), electoral roll information, and other compliant UK data sources to locate current addresses.

Importantly, all tracing is conducted in line with GDPR and data protection laws, ensuring privacy is maintained while delivering actionable results for scheme administrators.