This Q&A assumes that the pension schemes concerned are defined contribution schemes. Regulation 5 of the Occupational Pension Schemes (Charges and Governance) Regulations 2015, SI 2015/879 (SI 2015/879, reg 5) contains a prohibition on charge structures other than single or combination charge structures. A single charge structure is defined under SI 2015/879, reg 5(2) as a structure which imposes an existing rights charge on the member, ie a charge calculated solely by reference to the value of the member's rights under the scheme. Conversely, under SI 2015/879, reg 5(3), a combination charge structure is one which imposes a combination of: • an existing rights charge on the member, and • another type of charge (either a flat fee or a charge calculated as a