Hi muesli,
In case you got the BIAM charges above from the thread "AVC Fund Selection (BIAM)", please note that those are the charges for my company pension scheme (DB & AVC). I expect the BIAM charges can vary from scheme to scheme.
My understanding (as yours and Taximan) is that you cannot set up a PRSA under present legislation, so AVC may be your only option for adding to your pension. (But see other threads about buying extra years service, etc). If you decide to go with AVC's, you should get detailed info about charges from your company pension scheme. I guess you could use "our" scheme as a benchmark. I would be interested to see what other company pension funds are being charged to manage AVCs funds.