People on lower incomes working out of serviced offices in Cardiff or elsewhere tend to be less likely to be members of a pension scheme, according to recent figures.
The data, released by the Office for National Statistics (ONS), revealed a close relationship between a person's income and their likelihood of joining one of these employer-sponsored retirement funds.
In 2010, only 27 per cent of female and 16 per cent of male full-time workers with a weekly income of under £300 were part of such an initiative.
This will result in a lower income during retirement unless savings from elsewhere are utilised.
Private sector participation in these schemes is also falling. In 1997, 52 per cent of men and 37 per cent of females working in this sector were part of one, compared with 39 per cent and 28 per cent respectively in 2010.
Keith Churchouse, managing director of Churchouse Financial Planning, previously noted that "pensions have not been a popular vehicle for savings in the last decade".
