Scheme
4,821 members
Cash & Settlement
Unmatched Cash
Alert
22
receipts · £1.4M uninvested
Match receipts to applications
›
Unsettled Trades
8 aging
31
trades · 8 approaching failure
Chase settlements
›
Pending Confirmation
Due today
14
trades awaiting counterparty
Confirm trades
›
Unmatched Cash — Suggested Actions
1
17 receipts matched exactly to adviser applications — approve allocation to ISA, GIA and SIPP accounts
2
5 receipts cannot be matched — 3 have no corresponding application, 2 have amount discrepancies
3
Generate full exception report and notify affected advisers to submit or correct their applications
Unsettled Trades — Suggested Actions
1
5 aging trades share the same counterparty — draft chaser communication to their operations desk
2
Flag 3 near-failure trades to compliance team with full position history
3
Initiate buy-in process for trades exceeding settlement deadline
Pending Confirmations — Suggested Actions
1
Send confirmation chasers to 6 counterparties who haven't responded within 4 hours
2
Auto-confirm 8 trades matching standard parameters within agreed tolerances
Bulk Processing
Corporate Actions
Elections due
5
in progress · 2 require election
Manage elections
›
Platform Fees
Run due
1,842
accounts · next run 14 Apr
Review & process
›
Adviser Fees
4 exceptions
316
accounts · 4 cannot be collected
Resolve exceptions
›
Cash Interest
Ready to apply
2,104
accounts · £84,210 to credit
Apply interest
›
Corporate Actions — Suggested Actions
1
2 corporate actions require client elections by 5pm — notify affected advisers immediately
2
Apply default elections for 3 actions where client instruction has not been received
Platform Fees — Suggested Actions
1
Preview the upcoming fee run for 1,842 accounts — review calculated amounts before processing
2
Approve and submit the platform fee run for processing on 14 April
Adviser Fees — Suggested Actions
1
4 accounts cannot have adviser fees collected — insufficient cash, consent lapsed or account closed
2
Process adviser fee collection for the remaining 312 eligible accounts
Cash Interest — Suggested Actions
1
Review calculated interest amounts for 2,104 accounts totalling £84,210 before crediting
2
Apply cash interest to all eligible accounts — credits will be reflected in account balances immediately
Transfers
Inbound Transfers
In flight
18
transfers · £4.2M in transit
Track transfers
›
Outbound Transfers
3 stalled
13
transfers · 3 on hold
Resolve holds
›
Inbound Transfers — Suggested Actions
1
Acknowledge receipt of 14 transfers and send confirmation to originating advisers
2
4 transfers require asset re-registration — initiate the re-reg workflow
Outbound Transfers — Suggested Actions
1
3 transfers on hold pending missing documentation — generate document request notifications
2
Contact receiving platforms for 2 transfers delayed beyond expected timeline
Client Activity
Open Complaints
3 urgent
14
open · 3 near deadline
Triage complaints
›
Client Queries
On track
7
awaiting response · address, name & KYC changes
View queries
›
Breaches
2 open
5
total · 2 open · 3 resolved
Manage breaches
›
Incidents
1 SLA at risk
4
open · 1 approaching SLA
Review incidents
›
Open Complaints — Suggested Actions
1
3 complaints are approaching their regulatory response deadline — draft response letters
2
Triage remaining 11 open complaints by severity, type and responsible team
Client Queries — Suggested Actions
1
Draft responses for 4 standard queries using existing knowledge base and account history
2
2 clients have submitted change of address requests — review new address details and update Sonata
3
1 client has requested a change of bank details — verify mandate and update payment instructions
4
1 client has submitted a change of name request — review supporting documentation and update client record
5
KYC documents received for 3 clients — verify documents and update verification status
Breaches — Suggested Actions
1
2 open breaches require regulatory reporting under MiFID II — review, classify and submit to compliance
2
Review the 3 resolved breaches and confirm regulatory submissions are complete and on record
Incidents — Suggested Actions
1
1 incident is approaching its SLA resolution deadline — escalate and assign to the responsible team
2
Review all 4 open incidents, update status and confirm affected firms and clients have been notified
Advice & Applications
Advice Assistant
11
client reviews, suitability & financial wellness
Review with EV
›
Applications
4 incomplete
9
in progress · 4 require action
Manage applications
›
Reviews in Progress
3 awaiting client
7
reviews · 3 awaiting client response
Manage reviews
›
Reviews Due
Next 30 days
14
clients · due within 30 days
Plan ahead
›
Advice Assistant — Suggested Actions
1
5 clients are due their annual suitability review — use EV to assess current risk profile against portfolio
2
3 clients have had a change in circumstances that may affect their risk profile — re-run EV assessment
3
3 clients may no longer be on track to achieve their financial goals following recent market moves — review their plans and recommend corrective action
4
8 clients have completed financial wellness checks — review scores and RAG status across savings, borrowing, spending, investing and protection
Applications — Suggested Actions
1
4 applications are incomplete — missing client signatures, identity verification or mandate details
2
3 applications are complete and awaiting your review and submission to the platform
3
Submit a new ISA, GIA or SIPP application for a client using a guided workflow
Reviews in Progress — Suggested Actions
1
3 reviews are awaiting client response to the EV questionnaire sent — send a reminder
2
4 reviews have client responses received — complete the suitability assessment and generate reports
3
Create review packs for all 7 in-progress reviews — compile suitability reports, portfolio summaries and meeting agendas
Reviews Due — Suggested Actions
1
Schedule review appointments for the 14 clients due within the next 30 days
2
Send the EV questionnaire in advance to all 14 clients so responses are ready before the meeting
3
Create review packs for the 14 upcoming clients — compile portfolio valuations, performance summaries and agenda templates ready for each meeting
Portfolio Exceptions
Account Exceptions
Action required
23
accounts · 9 cash surplus · 14 allocation drift
Review exceptions
›
Account Exceptions — Suggested Actions
1
9 accounts holding surplus uninvested cash above tolerance — initiate investment instructions to bring in line with model
2
14 accounts have drifted beyond their target asset allocation tolerance — generate rebalancing instructions
3
Review all 23 exceptions and generate a consolidated trade instruction file
Auto-Enrolment
New Joiner Assessment
Action required
453
eligible jobholders awaiting enrolment
Review joiner queue›
Opt-Out Window
Action required
38
opt-outs in window · refunds to process
Process opt-outs›
Contribution Reconciliation
Review needed
12
payroll file exceptions
Review exceptions›
Re-enrolment Cycle
Scheduled
Oct 2026
next three-yearly cycle
View re-enrolment plan›
New Joiner Assessment — Suggested Actions
1
453 eligible jobholders awaiting enrolment — statutory window closes in 4 working days
2
Generate and issue statutory enrolment information within 6-week deadline
3
Assess entitled workers who have requested to opt in — process membership applications
Opt-Out Processing — Suggested Actions
1
38 opt-out notices received within one-month statutory window — verify validity and process refunds
2
Issue contribution refunds via next payroll cycle and notify employer payroll teams
Contribution Reconciliation — Suggested Actions
1
12 contribution records could not be matched — qualifying earnings mismatches and unrecognised members
2
Raise employer queries for exceptions requiring payroll file corrections
Re-enrolment Cycle — Plan
1
Next three-yearly re-enrolment cycle scheduled — plan the assessment run and declaration of compliance
2
Identify previously opted-out members to reassess and draft communications
Payment & Payroll
Payment Run Status
Action required
3
exceptions · next run 1 May 2026
Review exceptions›
Monthly Payroll
On track
£2.85M
gross · Apr 2026 · 4,821 pensioners
View payroll breakdown›
PAYE & Tax
Review needed
7
coding notices outstanding · RTI filed
Review tax codes›
Payment Run — Suggested Actions
1
3 payment exceptions require resolution before the May payroll run can be authorised — invalid bank details (2), suspended member (1)
2
Review and authorise the April payment run reconciliation report
Monthly Payroll — Breakdown
1
Gross payroll £2,847,300 · PAYE £681,352 · NI £0 (all pensioners) · Net payable £2,165,948 — approve for BACS submission
PAYE & Tax — Suggested Actions
1
7 P6 coding notices received from HMRC — review and apply updated tax codes before next payroll run
2
RTI Full Payment Submission for April submitted — no action required
Member Events
Deaths Notified
Action required
3
pending · 1 guarantees in payment · 2 dependants to notify
Process death notifications›
Pension Increases
Due Apr 2026
847
members · CPI 3.1% · LPI capped 5%
Apply pension increases›
Benefit Statements
On track
0
outstanding · all issued · next due Jan 2027
View statement run›
Death Notifications — Suggested Actions
1
3 deaths notified — stop pension payments, notify HMRC, assess guarantee period, identify dependant beneficiaries
2
1 member has a 10-year guarantee with 4 years remaining — raise continuing guarantee payment instruction
3
2 members have registered dependants — initiate dependant pension commencement process
Pension Increases — Suggested Actions
1
847 members eligible for April 2026 CPI increase of 3.1% (LPI elements capped at 5%) — review and apply increases
2
Generate member notification letters for all impacted members
Benefit Statements — Suggested Actions
1
All annual benefit statements issued — no action required. Next statement run due January 2027
Administration
Member Queries
Review needed
12
open · 2 approaching SLA deadline
Review queries›
Data Corrections
Action required
7
corrections pending · address, bank, name changes
Process corrections›
Regulatory Returns
Up to date
0
outstanding · next TPR return due Jul 2026
View returns schedule›
Member Queries — Suggested Actions
1
12 open member queries · 2 approaching 10-day SLA deadline — review and respond
2
Draft responses to 5 standard payment queries using member payment history
Data Corrections — Suggested Actions
1
7 data corrections pending — 3 address changes, 2 bank detail changes, 1 name change, 1 date of birth correction
Regulatory Returns — Schedule
1
All regulatory returns are up to date. Next TPR annual scheme return is due July 2026
Member
Sarah Chen · Meridian Master Trust · age 32
My Pension
Current Pension
In payment
£1,847
per month · next payment 1 May 2026
View pension details›
Payment History
All paid
12
payments · last 12 months · all on time
View payment history›
Pension Increase
Applied Apr 2026
3.1%
CPI increase · effective 1 Apr 2026 · +£55/month
View increase details›
My Pension Details
1
Your pension of £1,847/month is paid on the 1st of each month to your registered bank account. Your pension commenced 1 March 2019
Payment History
1
All 12 payments in the last year were made on time. Most recent: £1,792/month (Apr 2026 pre-increase). After the April 2026 CPI increase your pension is £1,847/month
Pension Increase Details
1
Your pension increased by 3.1% (September 2025 CPI) from 1 April 2026. Previous amount: £1,792/month. New amount: £1,847/month. Annual increase: +£660
My Account
Annual Statement
Issued Jan 2026
2025
statement year · available to download
View statement›
My Details
Up to date
✓
name, address & bank details current
Update my details›
Nominated Beneficiaries
On file
2
nominees registered · last reviewed Jan 2025
Review nominations›
Annual Statement 2025
1
Your 2025 annual benefit statement is available. Total pension paid in 2025: £21,504. Gross income for tax purposes: £21,504. Tax deducted: £4,266
My Details — Update
1
Your registered address, bank account and contact details are all current. To update any details, use the agent below — changes require supporting documentation
Nominated Beneficiaries
1
2 nominees on file: spouse (100% dependant pension) and 1 discretionary beneficiary. Last reviewed January 2025. Would you like to update your nominations?
My Pot
Pension Pot Value
Growing
£48,240
+£890 this month · +£12,420 in the last year
See how it's invested›
This Month's Contribution
On track
£420
You £140 · Employer £210 · Tax relief £70
See contribution breakdown›
Projected Pot at 67
Could be higher
£184,500
today's money · at current contribution level
Model different scenarios›
Your Pension Pot
1
Your pot of £48,240 is invested in the Meridian Default Lifestyle Strategy. In the last 12 months it grew by £12,420 — £5,040 from contributions and £7,380 from investment growth (7.2% net of charges)
2
Milestones: passed £10k in Feb 2022, £25k in Sep 2024, £40k in Nov 2025. On current trajectory you'll pass £50k by end of May 2026
Contribution Breakdown
1
This month: you paid £140 (5% of qualifying earnings, via salary sacrifice), your employer paid £210 (7.5% — above statutory minimum), and HMRC added £70 tax relief at source. Total into your pot: £420
2
Your employer matches up to 8% of salary. Increasing your contribution to 8% would add £84/month from your take-home (after tax relief) and unlock an extra £126/month of employer money
Retirement Projection
1
Projected pot at age 67 (today's money): £184,500 — roughly equivalent to an inflation-linked annuity of £7,100/yr, or flexi-access drawdown of around £9,200/yr over 25 years, or a mix of the two
2
If you increased contributions to the 8% employer match, projected pot at 67 rises to £258,300 — £73,800 higher. Opening the modeller lets you flex retirement age, contribution level and investment strategy
My Investments
Fund Choice
Default Lifestyle
85 / 15
growth / defensive · glide path active from age 58
Explore alternatives›
12-Month Return
Above benchmark
+7.2%
net of charges · benchmark +6.4%
View performance›
Fund Charge (OCF)
Competitive
0.40%
below master trust average of 0.52%
Compare charges›
Fund Choice
1
Default Lifestyle: currently 85% growth assets (global equities, listed property, infrastructure) and 15% diversified bonds. From age 58 the glide path gradually de-risks toward 40% growth / 60% defensive by retirement
2
Self-select alternatives: ESG-tilted Lifestyle (0.45% OCF), Higher-Risk Growth (0.38%), Shariah-compliant (0.55%), Ethical Screened (0.50%). Changing fund doesn't affect contributions
Performance
1
12-month: +7.2% net of charges. Benchmark: +6.4%. 3-year annualised: +6.8%. 5-year annualised: +7.4%. Past performance is not a guide to future performance
Charges
1
Annual fund charge (OCF): 0.40% · on your £48,240 pot that's around £193 a year. Master trust defaults average around 0.52% — your default is below the 0.75% charge cap that applies to workplace default funds
My Retirement
Target Retirement Age
As planned
67
aligned with State Pension age · 35 years to go
Change target age›
State Pension Integration
Modelled
£11,975
per year from age 68 · full entitlement forecast
Check State Pension record›
Expected Retirement Income
Below target
£18,600
per year from 67 · target was £24,000
Close the gap›
Target Retirement Age
1
Target retirement age: 67 (matching your State Pension age). Bringing this forward to 65 would reduce your projected pot by around 14%. Deferring to 70 would add around 22% — and could reduce State Pension deferral uplift
State Pension Integration
1
Projected State Pension at age 68: £11,975/year (full new State Pension in today's money). Your NI record currently shows 12 qualifying years — you need 35 for the full amount, so keep contributing
Expected Retirement Income
1
Expected total income from 67: workplace pension £6,625/yr + State Pension £11,975/yr (from 68) = £18,600/yr. Your stated target was £24,000/yr — a gap of £5,400
2
Ways to close the gap: increase contribution to 8% employer match (closes ~50%), defer retirement to 70 (closes ~80%), combine both (fully closes gap). The modeller will show the impact
My Account
Annual Statement
Issued Jan 2026
2025
SMPI statement · download or view online
View statement›
My Details
Up to date
✓
name, address & employer details current
Update my details›
Expression of Wish
Needs review
1
nominee on file · last reviewed Jun 2022
Review nominations›
Annual Statement 2025
1
Your 2025 SMPI statement is available. Opening balance £35,820 · contributions £4,860 · tax relief £810 · investment return £6,750 · charges -£165 · closing balance £48,075. Projected retirement income uses SMPI assumptions (inflation-linked annuity basis)
My Details
1
Name, address and employer details are current. If you leave your employer you'll need to decide whether to: keep the pot in the master trust as a deferred member, transfer to a new employer's scheme, or combine with other pensions
Expression of Wish
1
One nominee on file — last reviewed in June 2022. If your circumstances have changed (relationship, children) you should update this. Your expression of wish guides trustee discretion on who receives your death benefit lump sum if you die before taking benefits
Trade Error
—
—
Error reason
Counterparty ✎
Direction
ISIN ✎
Trade Date
Units / Shares ✎
Price ✎
Original Value
Revised Value
—
Reason for amendment
Trades
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AUA by Fund / Security
AUA by Product Wrapper
| Reference ↕ | Counterparty ↕ | Fund / Security ↕ | ISIN | Direction | Orders | Units / Shares | Value ↕ | Price | Trade Date ↕ | Sett. Date | Status ↕ |
|---|
Clients & Accounts
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▾Clients
| Client ID | Surname | Forename | Middle Name | External Ref | Ref Code | Master Scheme | Adviser | GIIN | Last Updated | Version |
|---|
▾Accounts
| Account No | Client | Product | Status | Designation | External Ref | Commencement | Next Statement | CGT | Prevent Withdrawal | Docs Complete | Rebalancing | Currency | Adviser |
|---|
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Submitted as: Platform Operator
Sonata API · saveClient
Edit Client
—
Title ✎
Gender ✎
Surname ✎
Former Surname ✎
Forename ✎
Middle Name ✎
Initials ✎
Salutation ✎
Date of Birth ✎
Place of Birth ✎
Marital Status ✎
Mailing Name ✎
Planned Retirement Date ✎
Status
Home Phone ✎
Mobile Phone ✎
Business Phone ✎
Reporting Currency ✎
Hold Correspondence
client.clientDetails.holdCorrespondence
Can Solicit
client.clientDetails.canSolicit
Disclaimer Signed
client.clientDetails.disclaimerSigned
Update Associated Account Salutation & Mailing Name
client.updateAssociatedAccountSalutationAndMailingName
client.addresses[primary]
Address Type
Care Of ✎
Line 1 ✎
Line 2 ✎
Line 3 ✎
City ✎
Postcode ✎
Country ✎
Primary Address
client.unitedKingdom
NI Number ✎
No NINO Flag
PAYE Tax Code ✎
Employment Status ✎
FCA Category ✎
Tax Region Residency ✎
Nationality ✎
Country of Birth ✎
PEP Type ✎
AML/CTF Risk ✎
AML Class ✎
LEI Number ✎
Client ID
Master Scheme
External Reference ✎
Reference Code ✎
GIIN ✎
Preferred Language ✎
Last Updated
Last Updated By
Data Version
Master Scheme ID
Changes submitted to Sonata API via saveClient
Sonata API · saveAccount › account.accountDetail
Edit Account
—
Account Number
Product
Status ✎
External Ref ✎
Designation ✎
Salutation ✎
Mailing Name ✎
Prevent Withdrawal
account.accountDetail.preventWithdrawal
Documentation Complete
account.accountDetail.documentationComplete
Calculate CGT
account.accountDetail.calculateCGT
Can Solicit
account.accountDetail.canSolicit
PIN Access
account.accountDetail.pinAccess
Registered
account.accountDetail.registered
Staff Account
account.accountDetail.staff
All Owners to Sign
account.accountDetail.allOwnersToSign
Include in Rebalancing
account.accountDetail.includeInRebalancing.includeInRebalance
Rebalance Immediately
account.accountDetail.includeInRebalancing.rebalanceImmediately
Commencement Date ✎
Activation Date ✎
Next Statement Due ✎
Restriction End Date ✎
Date of Retirement ✎
Exit Date ✎
Reporting Currency ✎
Scheme Number
Master Scheme
Last Updated
Last Updated By
Data Version
Changes submitted to Sonata API via saveAccount › account.accountDetail
Cash
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▾Applications
| App Reference | Account | Client | Product | Type | Amount | Adviser | Submitted | Receipt Matched | Status |
|---|
▾Cash Receipts
| Reference | Account | Client | Product | Posting Type | Source Bank Account & Platform Reference | Date | Amount | Balance After | Status |
|---|
▾Ledger Postings
| Reference | Account | Client | Ledger | Posting Type | Narrative | Date | Debit | Credit | Running Balance | Status |
|---|
Data Fields · drag onto canvas
▾ Scheme & Membership
Scheme
Scheme type
Employer
Member status
Active members
Deferred members
Pensioners in payment
▾ Contributions
Month
Contribution source
By employer
Gross contributions (£)
Employee (£)
Employer (£)
Tax relief (£)
▾ Auto-Enrolment
Opt-out reason
Enrolment month
Employer
New joiners
Opt-outs
Opt-out rate (%)
Postponed
▾ Annuity Payroll
Payroll month
Annuity scheme
Pension band
Gross payroll (£)
PAYE (£)
Net payable (£)
Payment count
▾ Investments & Charges
Fund
Asset class
Assets (£M)
12m return (%)
OCF (bps)
▾ Service & Regulatory
Query type
SLA band
Complaint category
Open queries
SLA met (%)
Complaints
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