Creative Pension Trust

Creative Pension Trust, a multi-employer Master Trust now under Cushon

Creative Pension Trust is a workplace pension scheme aimed at employers of every size, from startups that need an auto enrolment solution to national employers looking to reduce the time and cost of running a company pension. It operates as a multi-employer Master Trust, a structure in which several unrelated employers participate in a single scheme. The site states that the trust has moved to Cushon and that the Creative Pension Trust website was due to close shortly after the information was published.

According to the provider, the scheme is approved and authorised as a Master Trust and meets or exceeds the quality standards that The Pensions Regulator demands of multi-employer schemes. Cushon Master Trust is regulated by The Pensions Regulator with PSR number 12008536.

What the scheme offers employers

The provider presents its service as all-inclusive, positioning it as an alternative to the perceived complexity and cost of a traditional pension arrangement. It states that the elements needed to remain compliant are included without costly extras, and that the scheme is designed by financial experts and employee benefits consultants to scale to the needs of all employers. Beyond the core pension, it mentions a range of optional value-added consultancy services for employers with additional priorities in their employee benefits programme.

Features for pension members

For employees enrolled through their employer, the trust describes the following characteristics:

• A low-cost way to save for retirement.
• Secure online access to view and manage savings.
• An online process to combine old pensions.
• Investments managed by global specialists, with the option to choose one's own investments.
• Governance through a Board of Trustees.

The provider states that it is trusted by more than 12,000 employers. The site also carries a disclaimer noting that the value of investments can go down as well as up and that the company does not provide financial advice.

Transition to Cushon and portal changes

The migration to Cushon brings specific operational changes. From 28 September 2026, payroll administrators can use the Cushon Auto Enrolment Portal to upload payroll files; while that portal is updated to reflect the Cushon brand, the systems used to upload contribution files remain the same. For members, the Creative Pension Trust Member Portal is closed, and the site directs them to information about the move, including what happens next and when account details will be received.

Documentation and governance

The site organises its published material around authorisation and quality standards, scheme information, a climate change report, statements of investment principles, implementation statements, and the trust deed and rules. It also provides a help centre, a knowledge hub and a scam-awareness section for members.

Corporate details

The site identifies Creative Pension as part of Cushon Master Trust. Cushon Group Limited is registered in England and Wales with company number 10967805 and a registered office at 51 Lime Street, London, EC3M 7DQ. Cushon Money Limited is authorised and regulated by the Financial Conduct Authority with FRN 929465 and is registered in England and Wales with company number 11112120. Cushon MT Limited is the sponsoring company of Cushon Master Trust and is registered in England and Wales with company number 12366412.