PENSION REVIEW - 23 October 2026
Active source: SMRC.me.LOL

All 15 supplied PDFs were extracted and reviewed. The pension guides were compared
for common workflow and provider-specific differences; form screenshots and report
layouts were rendered for inspection. Originals were not changed.

FILE-BY-FILE FINDINGS
01 Trust Pensions: missing from the application's provider list. Added the provider,
   its employer-code field and validation; verified that edits persist.
02 NEST guide (1): separate pay-frequency schemes; employer ID, exact payment source
   and worker group; relief and earnings-basis choices; distinct membership,
   contributions and payment steps. These required fields and steps remain.
03 Other Pension Providers: preserve optional employer code, scheme code and group.
   Export is explicitly labelled as a review CSV when no upload format exists.
04 Workplace Pension Trust: no NEST identifiers required. Those fields remain hidden;
   contact/bank details remain optional. Provider upload format is not implemented.
05 Workplace Pensions Advisory Service: same compact setup, with irrelevant NEST
   fields hidden. Provider upload format is not implemented.
06 TPT Retirement Solutions: member number belongs to the worker. Salary/hours and
   effective dates used by the existing TPT exporter remain in membership details.
   Existing TPT export is the monthly eBusiness schedule, not a new-member HR file.
07 Carey Pensions: no NEST identifiers required. Existing review export remains
   available and is now clearly distinguished from an upload file.
08 P32 for September 2026: employer PAYE/NIC/Employment Allowance payment record,
   not a pension schedule. Reviewed as supplied; no report/calculation changes.
09 Workers Pension Trust: retain the existing provider contribution exporter.
10 NEST guide (second copy): compared with 02; no additional setup requirements.
   The copies differ by a missing upload sentence and line wrapping.
11 People's Pension: preserve account number and worker group. Existing CO export
   is contributions-only; it must not be described as a new-member enrolment file.
12 P11 PAYE, three employees: period and cumulative PAYE record, not pension setup.
13 P11 PAYE, two leavers: leaving dates and cumulative records; no pension setup
   fields to add. No changes to either PAYE sample or PAYE calculations.
14 P11 NIC, three employees: NI bands/contributions, statutory pay and loans.
15 P11 NIC, two leavers: corresponding NI/leaver records. Neither NIC sample
   defines a pension provider file or pension calculation. No NIC changes.

IMPLEMENTED
- Compact two-column scheme form with aligned labels and smaller controls.
- Radio choices for tax relief and earnings basis, using existing stored values.
- Optional contact/bank details and other options expand only when needed.
- Smaller page headings; removed repeated dashboard counters and subtitles.
- Replaced explanatory paragraphs with contextual help/tooltips.
- Reference/evidence is directly accessible beside the selected worker and date.
- Readable membership/assessment labels instead of joined enum names.
- Both employee and contribution tables grow with their rows.
- Full-page scrolling remains; no fixed-height form containers.
- NEST enrolment export is hidden for other providers.
- Buttons distinguish provider upload CSV from payroll review CSV.
- Routine draft/ready messages no longer fill the screen. Errors, unsupported
  configurations and action confirmations remain visible.
- Added Trust Pensions and preserved its employer code through form saves.
- All edits are scoped to pension functionality and its verification code.

REMAINING FUNCTIONAL LIMITS
These were already limitations of the application, not features implemented by
this visual redesign. The interface/help now makes them explicit.
- Salary sacrifice, no-tax-relief payroll, AVCs and non-member uploads are not
  connected to the current pension workflow.
- NEST payroll workflow is limited to its existing 5%/3% qualifying-earnings setup.
- Trust, Carey, Workplace Pension Trust, Workplace Pensions Advisory Service and
  Other provider exports are review CSVs, not provider-ready upload formats.
- NEST web-services submission/payment approval is not implemented.
- The supplied Moneysoft guides describe another product's operations. They are
  not complete machine-readable provider interface specifications, and do not
  establish that SMRC's exports have been accepted by the providers.
- P11/P32 samples were not used to change unrelated tax, NI or allowance logic.

VALIDATION
- Normal desktop project builds successfully.
- Existing pension payroll/export/lifecycle checks pass.
- New isolated form checks verify Trust employer-code saving, radio save/reload,
  scheme switching, provider-specific visibility, review export labelling and
  a ten-employee register without an inner vertical scrollbar.
- Rendered all five pension pages at wide and narrow widths with the application
  theme applied; inspected the changed layouts.
- No live company records edited, files uploaded, RTI submitted or emails sent.
- Build retains the existing System.Security.Cryptography.Xml package warnings.
