The Institute for Fiscal Studies (IFS) has called for significant reforms to pension contributions, suggesting that employers should contribute at least 3% to employees' pensions, even if the employees do not contribute themselves. This recommendation aims to support approximately 30-40% of private sector employees, around 5 to 7 million individuals, who are projected to have inadequate retirement incomes. Additionally, the IFS advocates for expanding the age range for automatic enrolment from 22 to 74 years, to include younger and older workers. The report highlights that while auto-enrolment has increased participation in pension saving, many employees still make low contributions, with less than half contributing more than 8% of their earnings. To further bolster retirement savings, the IFS suggests increasing default contributions for higher earners, specifically targeting earnings above £35,000. The findings are part of the Pensions Review conducted in collaboration with the abrdn Financial Fairness Trust.