Financial adviser Grant Thornton is claiming small company workers left out of the stakeholder should act now to organise their future provisions.
From April 2001 the stakeholder will have to be offered by companies with five whi employees or more.
About 750,000 employees will be left to sort out their own financial affairs.
GT has issued advice for those who may be left in the cold, including drawing up a list of key questions and seeking financial advice.
Grant Thornton head of financial planning Ian Johnson says: “The original intention of the bill which includes stakeholder said all employees who previously had no access to pension arrangements, would have a stakeholder scheme designated by their employers. Now the onus is on the employee.”