The mission is a world where no pension goes unclaimed. The Index and the country guides are always free. The reports are part of how we fund the work.
Pension schemes hold money for members they cannot reach. Those members do not know it exists. Neither side can find the other, because a scheme sees only its own members and a person sees only their own history.
We exist to close that gap. We count the problem, we publish what we find, and we are building the route that connects a scheme that is looking to the person it is looking for.
We examined the 47 systems in our transparency scoreboard and asked one question: does anyone publish a figure for the money sitting inside them that belongs to people they can no longer find? Four publish a number. Forty-two publish nothing.
Adding only the systems that publish gives a floor of at least 74 billion US dollars, and it is a floor precisely because the other 42 are silent.
This is not an accusation. Trustees and administrators did not choose this silence; no rule asks them to break it. There is no duty to publish, no standard format, and no register of who does. A scheme that wanted to disclose tomorrow would have to invent its own way of doing so.
So we are asking for something small enough to do and large enough to matter. Once a year, every scheme publishes three numbers: members it cannot currently reach, benefits of deceased members not yet paid, and the combined value of both. That is the whole ask.
The one page format below is free for any scheme to use, and we maintain the public record of every scheme that publishes, starting with the first.
To the first trustees who do it: you will not be embarrassed by the number. Every scheme has one. You will be the scheme that said it out loud, and we will say so, publicly and by name.
The money is not missing. The people are. Counting them is where finding them begins.
Publish this anywhere public: the scheme website, the annual report, or the chair's statement. Then report your three numbers and the scheme joins the public record below. This format is free to use, adapt and reproduce, no attribution required.
Submit the figures here and we record them, as sent, with your method notes and the date. Nothing publishes until you have confirmed it.
Report your three numbersNo scheme has published its three numbers yet. The first to do so will be named here.
The country by country record of what national systems publish is at /scoreboard.