So as long as there's not a horrible crash (but it still looks like there could well be), Prisma is slightly better, and we get to increase wealth disparity in Ireland by funding a broker, as well as counteracting that by paying 3491 in exit tax which you could hope the state would redistribute fairly.
Or we can prefer to fund the State directly by lending it money, get a bit less cash ourselves, but hope that money forgone to the treasury goes to fund the "right" things. Except of course the state might still go bust given its very high debt level? We actually give slightly more to redistribution the other way, and you could even argue the broker will also be buying services with our money, which helps Ireland Inc stay upright.
Either way, we can't even beat inflation unless we want to go to a higher risk level, and interest rates look to be heading negative?
Looking forward to understanding how you see the difference, and what choice you would make.