I have no idea about NAPS but BARP works out something like this. 35 years contributions at 12% employer and 14% from me gives a pension estimated to be 55k on a average return. A poor return give 18k. That is just a current snap shot and does not account for increases to salary over your career. Its not industry leading but it's not bad either. Perhaps with the closure of NAPS and a improved BARP the amount people expect to be down will be more acceptable when faced with the realities of the defecit.