All pension administration operations in one platform with Mantle
Automate complex pension processes, stay compliant, and deliver better member experiences, all in one platform with Mantle.
Keep reading to discover:
→ What are the challenges pension admins are facing today?
→ What’s the latest from The Pensions Regulator (TPR)?
→ What pension software does, and how can it help?
→ How does Mantle make pension administration easier?
→ What are the key benefits for pension admins?
1.75m records hosted across administration and actuarial, supporting over 1,200 live schemes.
Challenges pension administration is facing today
The pensions administration sector is under pressure to deliver more with less. Rising expectations, tighter regulations, and the arrival of Pensions Dashboards have exposed long-standing challenges with data quality, automation, and integration.
Many pension administrators still rely on manual workarounds, which add cost, complexity, and risk. With experienced teams stretched thin, this approach isn’t sustainable. When systems can’t keep up, members feel the impact through delays and slower responses.
That’s why forward-thinking schemes are turning to modern, automated platforms like Mantle to help administrators work smarter, reduce risk, and deliver a faster, more reliable service for members.
Manual, time-consuming processes
For many pension administrators, managing pensions in payment increases is still a manual, time-consuming task. Data must be extracted, split, and updated; this all takes up valuable time and resources.
Even minor document or calculation changes often require manual workarounds, adding complexity, risk, and distraction from delivering the best member experience.
Risk of errors and compliance issues
Managing records across multiple systems increases workload and the risk of error. Without automation, manual calculations slow processes, raise costs, and introduce further risk.
Manually edited or poorly stored documents also complicate audits and threaten compliance, which then poses operational risks and undermines service reliability.
Increasing member expectations for transparency and self-service
Today’s pension members expect transparency and self-service. Without online access, every query falls to administrators, diverting skilled resources from higher-value work.
Limited visibility and inaccessible data reduce trust, create delays, and drive up costs, making it even harder to meet modern service expectations.
Difficulty integrating legacy systems and data sources
Legacy systems and fragmented data make it hard to consolidate information or automate processes. Extracting and reconciling data is slow, error-prone, and costly.
Poor integration limits access to accurate, real-time information, slows decisions, and reduces transparency for members and trustees alike.
The latest from The Pensions Regulator (TPR)
Pension administration is shifting from a “back-office” function to a strategic driver of member outcomes. Technology and innovation are central to this transformation.
Legacy systems remain a major barrier
Outdated platforms hinder automation, scalability, and efficiency, while making it harder to meet new regulatory demands like pensions dashboards.
Investment in AI and digital tools is growing
With administrators trialling chatbots, predictive modelling, and biometric ID checks. But governance of AI is inconsistent and needs strengthening.
Member engagement is becoming a priority
Pensions Dashboards are expected to increase interaction, but schemes need to offer better self-serve tools, mobile apps, personalised content, and support for vulnerable members.
Data quality is critical
Poor data undermines automation, dashboards readiness, and smooth transitions between administrators. Better investment in data governance and modern tools is essential.
Cyber resilience and digital risk
More administrators are adopting standards like ISO27001 and Cyber Essentials, but gaps remain in supplier risk, incident response, and continuity planning.
Strategic growth requires innovation
Administrators must align business models to future demand, with technology investment at the core. Trustees are urged to recognise administration as a strategic function, not just an operational cost.
What pension software does
At its core, pension software helps organisations and pension providers manage every aspect of pension schemes efficiently and accurately. It automates complex calculations, such as contributions, accruals, and benefits, ensuring compliance with UK pension regulations.
Pension software maintains detailed member records, tracks payments, and generates statutory reports for regulators like The Pensions Regulator (TPR) and HMRC. It also supports auto-enrolment, managing employee eligibility and communications automatically.
For members, pension software often provides online portals where they can view contributions, projections, and retirement options.
For administrators, it reduces manual work, minimises errors, and improves transparency.
Overall, pension software streamlines pension management, enhances data accuracy, and ensures smooth collaboration between employers, administrators, and members—making pension scheme administration faster, fairer, and more reliable.
How Mantle makes pension administration easier
Cloud hosted accessibility
Mantle is hosted entirely in the cloud, enabling staff and advisers to securely access information from anywhere. This flexibility supports remote work, improves collaboration between teams, and ensures business continuity while maintaining robust security protocols. Unlike traditional pension platforms, our cloud-first approach ensures maximum efficiency.
100% Calculation Automation
The system automates 100% of pension calculations processing complex calculations instantly. This eliminates manual processing errors, reduces administrative burden, and enables your team to deliver faster, more accurate service to members.
Enabling member self-serve
Members enjoy a modern, intuitive self-service app where they can view their pension details, run retirement calculations, update personal information, and access important documents 24/7. This digital-first approach delivers the modern experience customers expect.
Integrated payroll treasury & accounts
Mantle features full integration between payroll, treasury, and accounting functions, creating a unified workflow that eliminates data silos. This integration automatically matches contributions, processes payments, and updates financial records. It greatly reduces administrative work and lowers the risk of errors from manual data entry.
Dashboards ready
The platform automatically generates Essential Retirement Information (ERI) and provides real-time analytics through customisable dashboards. This saves significant time and money while making data-driven decisions with instant access to key metrics and reporting.
How Mantle has supported the Isle of Man Public Sector Pensions Authority Schemes in launching the digital administration services solution
Mantle Services has supported the Public Sector Pensions Authority (PSPA), a statutory board of the Isle of Man Government, in modernising how it delivers pension administration. Using Mantle’s award-winning software, PSPA has streamlined operations and improved service delivery for more than 20,000 members.
As part of the transformation, PSPA launched phase one of its member self-serve app, powered by Mantle technology. Early feedback has been overwhelmingly positive:
- 92% of users chose the app over the web portal
- 90% rated registration 4 or 5 out of 5
- 87% found it easy to check their benefits
- 93% rated overall usability 4 or 5
Mantle app’s intuitive design and automated processes are reducing admin workloads while empowering members to manage their pensions independently, from checking benefits to updating details.
Watch our video case study with PSPA leaders as they discuss how Mantle Services is transforming pension administration and shaping their digital future.
Key benefits at a glance
Mantle transforms complex pension management with a unified, cloud-based pension software platform that enhances efficiency in administration, actuarial work, and asset liability management, helping teams deliver better value to customers.
See the difference Mantle makes: faster processes, fewer errors, and smarter automation that puts administrators back in control.
Cut processing time and reduce errors
Automation replaces manual tasks, streamlines workflows, and ensures accuracy at every step. This way, your team works faster, with fewer errors and greater confidence.
Improve compliance confidence
Built-in audit trails, automated calculations, and ISO-accredited data security help you stay aligned with regulations. Mantle gives you complete confidence in every process and report.
Enhance member satisfaction
With intuitive self-service tools and real-time information, members get faster answers and greater transparency, improving engagement and trust in your scheme.
Lower administrative costs
As optimised workflows and data-driven automation reduce the time and resources spent on routine administration, your team can focus on higher-value activities that deliver better outcomes at a lower cost.
Mantle is “Pensions Dashboards” ready
Dashboards are designed to give people a view of all their qualifying DB, DC, and State pensions via Dashboard Services. In fact, over 50 million private pension records are now connected to the Pensions Dashboards ecosystem.
Mantle’s pension software provides 100% automated calculations and estimated retirement income (ERI). With true member self-service, schemes can deliver a vastly better experience for members, while dramatically reducing the burden on administrators.
Keep scheme members engaged
Experience shows that most people now access services from their smartphones. That’s why we developed the award winning My Pocket Pension, Mantle’s pension smartphone app. My Pocket Pension is designed to be easy to access, use, and understand.
Once registered, a member can easily:
- View pension and cash from 55-75
- View a live transfer value
- Understand what happens on death
- Review personal details and keep them up to date
- View documents
- Pensioners can view their next payment plus payslips and P60s
- SMS message the administrator
Where Mantle’s My Pocket Pension app is deployed, with at least a 30% uptake, we have seen a 30% reduction in workload for the administration team.
20,000
Valuations runs monthly
>15,000
Engaged user hours on platform monthly
1.7m
In excess of 1.7m member records hosted
£1bn
Member payments administered annually
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Frequently Asked Questions About Pension Administration Software
1. What makes pension administration software different from payroll software?
Payroll software focuses on paying people, whereas pension administration software focuses on managing their benefits for life. It handles calculations, member records, and regulatory tasks that payroll systems simply aren’t built for.
Modern pension software like Mantle offers a fully integrated payroll solution. As it’s linked to the admin platform, any changes show up automatically; no need to load data. It’s faster, easier, and designed for modern needs, helping administrators deliver a gold-standard, scalable service without third-party portals, file uploads, or manual exports.
2. How does Mantle pension software support compliance with UK pension regulations?
Mantle supports compliance through automation, transparency, and robust data governance. Our platform is hosted in line with our robust infrastructure and security controls, and is certified to ISO 27001:2022, ISO 9001:2015 and the Cloud Security Alliance STAR standard. Mantle maintains complete audit trails, enforces granular user access controls, and supports our clients in achieving data accuracy within every process. Regular regulatory updates and configurable rule sets mean schemes remain aligned with The Pensions Regulator’s requirements and wider industry standards.
3. Can Mantle pension software handle multiple pension schemes?
Yes! Mantle is designed to manage multiple pension schemes efficiently. We handle over 1.7 million records per year across a wide range of industries, ensuring accurate, automated administration and reporting for every scheme.
4. How long does implementation take?
Implementation timelines vary depending on the complexity of the pension scheme and how quickly you want to move. It’s possible, however, to onboard a large complex scheme in around 7 months. That’s from contract signature to live.