Hi,
most company PRSAs charge 5%/1%, so check out how much your employer would contribute and do they only contribute if you join the company PRSA set up by them as it was in my case. None of my employers ever contributed to my 0%/1% PRSA, it almost seems to be a deal between the companies and the tied bank agents who look after the company PRSA schemes. Some of the money your company will contribute to your PRSA is simply going into the charges that way! And a PRSA is not exactly a LOW-COST pension as often advertised, especially not if 5% of your money goes before every contribution. I know that a non-commission PRSA does not entitle you to advice from the broker. However, the advice I got from the tied banker who was "looking after" the company scheme was non-existing (in one case wrong advice was given, and I was told 0%/1% PRSAs do NOT exist!) It is easy to just choose the default investment strategy. So beware of the commission-driven company PRSA advisors and always ask about the charges...
Fanny