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hippy
Matt101
Assuming we are talking about Defined Contribution schemes here, then the responsibility for what the pension pot is invested in lies entirely with the user i.e. hippy.
The pension provider (ime) will put you on a default fund if you don't tell them otherwise. But there will/should always be a range of funds that the user can choose. When I was part of a defined contribution scheme, I called the provider to complain about the limited range of funds and their high fees and they replied to say "if you ask you can invest in all these too....." and basically the whole market was available. I then picked a low cost global equity tracker fund. They make this difficult so most users invest in their default or one they push which has higher fees.