There should be a legal requirement for all pensions (or financial products in general) to have a little fact box displayed prominently on all literature or websites relating to the product.
(A bit like the nutritional value things on ready-meals where they show fat, salt, protein, etc.)
It should have: initial charge, AMC, amount going to broker, set up fee, cancellation fee.
And don't allow any other charges that don't fit into the standard categories.
Also, have them colour coded too, just like a big red box for saturated fat on a chicken & bacon sandwich - any charge over 1% should be in red too as it's bad for your financial health!