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  Tom - you and I may have different opinions on what choice actually means here.
  
  I do not like the NEST scheme because it does not give choice, because it is all about costs not quality with few rather poor looking investment option playing only the lowest common denominator. Funds within NEST under current rules have to stay there and cannot be transferred out to a better option as well.
  
  But there is choice.
  Employers can choose not to use NEST. There are two low cost alternatives and a range of more standard Stakeholder, Personal and even SIPP options concerned employers could go for. Those options can have a range of investment options as long as your arm - the most sophisticated and most expensive the widest of course, not one I would suggest as suitable in most cases.
  Employees have choice too, they can choose to opt out (and would have to do so every 3 years to stay out) and they can choose to pay more in that the basic amounts.
  
  That said of course the contribution level is limited but there is a very good reason for that as no-one really should want too much money tucked inside such a low quality scheme and without the right advice and options to make it work properly. Specially as you cannot transfer the cash out to a better investment vehicle when it gets to be a significant sum.

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