Trivial Commutation


We are leaders in Trivial Commutation (TC)


In just the last eighteen months we have helped over 80 schemes realise significant savings, with thousands of scheme members choosing to commute their benefits and millions of pounds worth of liability discharged. Schemes we work with typically achieve member take up rates more than double the market norm.


A number of our clients have concluded that running an effective trivial commutation project prior to commencing further de-risking initiatives, such as transfer exercises, GMP reconciliation (and Equalisation) or buy-ins, can significantly reduce the costs of those subsequent exercises if a potentially material number of members have already left the scheme.


Furthermore, whilst our latest member participation rates are around 60-70%, a take up rate of between 5% and 10% is normally all that’s required to cover the cost of an exercise.

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What differentiates us


We can help you assess whether your scheme can benefit from Trivial Commutation and we can assist with the implementation and fulfilment of such an exercise.


The benefits of Xafinity implementing a Trivial Commutation exercise for you include:

  • Members have access to a dedicated helpline of experts, ensuring they have the information they need to determine whether exchanging their trivial pension is in their interest

  • A dedicated website for members ( who prefer to research on-line either instead of, or before talking to an expert

  • Trustees supported in keeping their members abreast of the latest options to enhance their existing financial circumstances

  • Liabilities are discharged, administration costs reduced and PPF levies cut

  • Funding and buyout deficits are reduced.  

If you would like our experts to help you assess the benefits of running a Trivial Commutation exercise for your scheme’s members, please contact us.


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Trivial Commutation: A Pioneering Centre of Excellence



‘The trustees of the Chromalloy pension scheme were really pleased with the outcome of their trivial commutation exercise and I would have no hesitation in recommending Xafinity’s Centre of Excellence to other schemes.’

Charles Goddard, MD (North)
PAN Trustees


‘We were very satisfied with Xafinity’s trivial commutation Centre of Excellence, especially the professionalism and support provided to our members throughout our exercise.  We would be very happy to recommend Xafinity’s service to other schemes.’

Gary Shirley, Pension Trustee
The Henry Boot Staff Pension & Life Assurance Scheme


'I have just receeived my refund from the Tax office, yippee.  Thank you all again for being there and available, a rarity these days.  I am sad to break contact, but good luck to you all in the future.'

A Member of the EDS Pension Scheme