Pension pots are being forgotten by workers who job-hop.
Private pension schemes are not being combined by workers who change their jobs throughout their careers.
Retirement funds are being lost as workers switch jobs more frequently, according to research by insurance firm Aviva.
The pensions survey found that job-hopping has become the norm for most people, with one in three working for up to five different employers during their lifetime. However, workers are failing to keep tabs on their accrued pension pots and do not know the details of the scheme they have paid into.