Fair Money & Economic Opportunity

XPS Pensions Group PLC reinvested approximately 0.19% of its FY 2025 profit before tax (£40.8 million) by donating £79,000 to community organizations

, which falls below the 0.5% threshold for profit reinvestment. As a pensions consulting and administration business, the company does not offer lending or deposit services to consumers, nor does it provide debt products or consumer credit. Therefore, KPIs related to underserved client share, pricing fairness, exploitative fee exposure, inclusion initiatives (loan/insurance book), fair lending compliance, wealth building outcomes, debt burden ratio, and product simplicity are not applicable to its core business model and score 0. KPIs for data accessibility, financial literacy initiatives, and geographic inclusion are omitted due to a lack of specific, quantifiable data on reach, outcomes, or coverage of underserved areas.

Fair Pay & Worker Respect

XPS ensures all eligible employees are paid more than the living wage

and incentivizes employees with bonus schemes and share plans, including a £250 gift voucher for each employee as of March 31, 2025. In FY 2024, 98% of employees affirmed that XPS is a good place to work. The company's mean gender pay gap was 22.1% last year, indicating that women earn 77.9% of men's pay.

Honest & Fair Business

XPS Pensions Group has a formalised Whistleblowing Policy and procedure, available to all staff, with an external and anonymous 24/7 hotline run by a third party (Navex Global).

Reports are escalated to the Board for prompt review, and the Audit & Risk Committee reviews the policy annually. The company also launched 'Safe Space' for reporting unethical conduct. For financial restatements, the balance at 1 April 2022 was restated in the FY2024 annual report due to an accounting policy change. Audit coverage for Group revenue is 89%. The Board consists of nine members, with five Independent Non-Executive Directors and the Chairman considered independent, resulting in 66.67% of the board being conflict-free. XPS has an Anti-Bribery and Corruption Policy with a zero-tolerance stance. All employees completed mandatory annual training on anti-bribery and corruption with a 100% completion rate in both FY 2024 and FY 2025. The internal audit program focused on anti-money laundering controls, identifying no significant weaknesses.

No War, No Weapons

The provided articles for XPS.LSE, a pensions consulting and administration business, do not contain specific, quantifiable evidence for any of the KPIs related to the 'No War, No Weapons' ethical value.

While some articles mention general corporate governance, ESG integration, and policies such as compliance with the UK Modern Slavery Act or efforts to trace conflict minerals, these statements do not provide the concrete data points, percentages, or frequencies required by the rubric to score any of the defined KPIs. Therefore, all KPIs are omitted due to a lack of relevant evidence.

Safe & Smart Tech

XPS Pensions Group PLC has no documented data breaches or incidents of unauthorized data use. The company holds ISO/IEC 27001:2013 certification for its Information Security Management System, initially certified in FY 2022

and effective until October 2025 , and also has Cyber Essentials Plus certification . XPS complies with the UK Corporate Governance Code and ISO/IEC 27001:2013 requirements . The company also demonstrates good regulatory compliance by adapting to stricter reporting requirements from the UK Pensions Regulator in 2025 , which resulted in a 9% increase in compliance costs . Additionally, XPS publishes an annual Modern Slavery Statement and mandates adherence to a Supplier Code of Conduct .