Client who does not have to provide a stakeholder pension (less than five employees) wants to provide contributions for their three employees. They don't however want to have to contract or have a relationship with a pension fund provider. They have suggested paying an additional 5% of salary to the employees on the basis that the employees then make the contribution themselves, however surely there is no obligation in this instance for the employee to pay the additional 5% of salary received into a pension fund. What would be a sensible suggestion in this instance where the employer does not want to get "involved" in pensions yet they want to offer a competitive package which includes an element of pension contribution? Many thanks for any advice.