Retirement adequacy: the true cost of the gender pensions gap in your workplace

Potential challenges around retirement adequacy are becoming a growing risk for employers. In our recent survey of 500 senior decision-makers at large organisations, more than 90% said they were concerned about the impact employees being unable to afford to retire could have on their workforce.

Our publication looks at retirement adequacy through a gender lens. Using our retirement adequacy heatmap, we explore how retirement outcomes can differ between male and female employees, the factors driving the gender pensions gap and what this could mean for employers.

Download the publication here

The analysis helps answer some key questions, including:

• Could your workforce have a gender pensions gap?
• What factors are driving differences in retirement outcomes?
• How could retirement inadequacy affect your diversity, equity and inclusion ambitions?

Understanding these challenges can help employers identify risks, assess the effectiveness of their pension provision and build a strategy to address retirement inadequacy across their workforce.

If you'd like to understand how the gender pensions gap could affect your workforce, please get in touch.

This communication has been compiled by Hymans Robertson LLP® (HR) as a general information summary and is based on its understanding of events as at the date of publication, which may be subject to change. It is not to be relied upon for investment or financial decisions and is not a substitute for professional advice (including for legal, investment or tax advice) on specific circumstances.  HR accepts no liability for errors or omissions or reliance on any statement or opinion. Where we have relied upon data provided by third parties, reasonable care has been taken to assess its accuracy however we provide no guarantee and accept no liability in respect of any errors made by any third party. Hymans Robertson LLP is a limited liability partnership registered in England and Wales with registered number OC310282. Authorised and regulated by the Financial Conduct Authority and licensed by the Institute and Faculty of Actuaries for a range of investment business activities. © Hymans Robertson LLP 2026. All rights reserved.