My advice would be to find some other investment vehicle to fund your retirement.
I am in a money purchase pension scheme through my employer – the only reason I am in it, is that for every £ I put in, my employer matches this. So when I come to retire, my pension fund will be twice what it would otherwise have been.
On the plus side, these pension contributions are tax efficient – in that no tax is paid on the earnings paid into the pension.
Now the bad news – when you come to retire you can take 25% of your total fund as a tax free lump sum. With the rest, you have to buy an annuity. An annuity will pay out a very poor investment return – given that the annuity-company gets to keep your pension pot once you die.
As an example, with a £100k pension pot, at age 65 you might get a pension of £6k per year (fixed, never increasing) – you will have to live until 82 just to get your money back, without adding the interest that would be added over those 17 years.