This is why we recommend a universal fund that is not tied to the decisions of one employer or even to any group of employers. It needs to be something that is widely available, with no advantage or disadvantage for one employer over another if they opt in or out of the plan. When it's universal, the set-up costs may require government involvement. But once it is set up, this entire fund would be funded by employer and employee contributions.
In terms of the details of how that happens, that's something that belongs to the pension summit, where we can iron out how that could come into play.