JCI,
A few points to note here,
As you are in an occupational pension scheme, your scheme trustees will have given you or should have given you 2 choices - no choice of fund ie, one fund fits all at work or where they give employees a choice of a range of funds, normally within the full range of funds provided for by the life company who invest and manage the schemes contributions.
Pensions can only come into play and be cashed early in ill health circumstances, other than that the earliest is earlier retirement.
Finally, the self administered route is usually seeing as a tool for properitors, 5% directors etc or senior highly paid employees ( of which you might be one?) and also no decision can be made investment wise in a SAPP without the consent of an pensioneer trustee.
Hope this gives you some insight.