Seagull58
In the Algarve
My pension is with Abbey Life, I'm sure they will still get their annual cut, it was worth £32,000 at May 31st, i'm not optimistic it will grow much before I retire in about 12 years time.
I would assume it's in a low risk products (and low reward) with Abbey Life creaming off charges for doing virtually nothing, so you are probably right that it will not grow much. You always have the option (you should have, anyway) of transferring to a self-managed SIPP and investing it in products that are likely to generate higher returns whilst reducing the charges.