provident scheme
The best way to put forward your reservations about the performance of the Provident fund scheme is to
1) individually send in emails to the human resources manager looking after the PF scheme
2) Give examples of other similar schemes that provide a better return
3) Provide for alternative solutions and suggestions
4) Don't cr or seem to act like amob. The idea is to find a solution to a problem , not create one.
This way the Company can be armed with data and present your suggestions and perhaps revisit the initial targets set for the fundmanagers and their teams.
In summary every senior manager is part of the PF scheme and I'm sure will be equally happy to see a positive solution to the underperformance of the scheme.
As in most PF schemes employees are free to direct their contributions to made as the company is investing or can choose to use their own investng prowess by dabbling in other funds inb the Provident fund , that may be more adventures and offer a better return ,,,, perhaps!
BM