The Occupational Pensions Regulatory Authority is calling for insurance companies and financial advisers to improve the quality of service they provide to occupational schemes.
Speaking at the annual conference of the Chartered Insurance Institute Opra chairman John Hayes claimed that many members of occupational schemes are let down by inadequate levels of service and support from advisers and insurers.
He says: "Where employers are encouraged to wind up long standing occupational pension schemes in favour of new group personal pension arrangements, employees may face a period of uncertainty and administrative confusion.
"People who do not or cannot join the new scheme can find themselves in limbo."
Hayes also says insurance companies need to respond more quickly and helpfully when approached by trustees of schemes.