If these chaps are so money driven, why are they throwing 8% of their salary down the toilet by not contributing to the Monarch scheme?
At Easy they will get 7% from the company anyway plus another 2% and if they contribute 8% themselves that will be 17% total compared with Monarch's 16% total with 8% from them in each case.
Yes the Monarch scheme needs improving but to not contribute at all is just crazy. Your early contributions are the most important as they have the longest time to roll up before you retire.
I didn't mean the time to command was longer at easy, just that with it sub 2years in Monarch there isn't much in it by the time you've moved and done a year or so RHS.