As much as having a pension plan is great, what makes your pension worth the while is the fund administrator that you choose. It is common for a lot of people to complain about their pension because they chose the wrong Pension Fund Administrator from the beginning. Sometimes this decision was made by your employer but you would be the one to bear the pain.
This wrong decision is very costly because your PFA manages your retirement savings i.e., they take investment decisions that determine how well your balance grows.
The future of your retirement
Not having a pension plan is bad enough but even when you do have a pension, the question is; does it work to support your financial needs during your golden years? If it does, how well? These are vital signs that you should not ignore if you want to get the most value from your pension.