fraid your completely wrong sir
6% is the norm (tho companies are only required to offer 3%), many are more generous however.
At my place (which uses the South Yorkshire Council & Fire Service Scheme) the company pays 15% (or it might be 16 actually) and i have to contribute 6% myself. If i decide i don't want o, can't afford to pay that 6%, the company pays a big fat zero themselves.
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