I'm not a financial adviser so obviously can't give professional advice but it sounds as if a Stakeholder pension might be suitable for you. I'm sure if you Google Stakeholder Pensions, you will come up with a huge array of suggestions, although I know Standard Life offer this facility. I believe the idea of a Stakeholder Pension is that the customer charges for running the fund are kept to a minimum.
Also investigate MoneySavingsExpert.com.
This is an excellent money advice website with with lots of advice and forums on various topics, including pensions.