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FairPensions surveyed the UK's 30 leading occupational schemes, with dire results.
"We will then need to judge whether the law is strong enough to protect future pensioners' contracts in occupational schemes".
Ministers have spent the last four years negotiating with unions to cut costs in the main public-sector occupational schemes.
Private companies who opted out would be allowed to change their occupational schemes to offset the extra cost.
Trustees of occupational schemes and employers are already dealing with auto-enrolment changes and are struggling to deal with last year's announcements on pension freedoms and choice changes.
We have a pension protection fund for occupational schemes, and employees will soon be enrolled in a national pension savings scheme unless they positively opt out.
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If you're not a member of an occupational scheme, ethical personal pensions are an option.
The move could be combined with scrapping the government's planned occupational scheme "for all".
If you are already a member of an occupational scheme, find out what your pension company's stance is.
But if you are in a money purchase occupational scheme, it is likely that your scheme trustee is the member and your scheme, not you, will benefit directly.
The government says 4.6m employees have the right to join an occupational scheme but have not done so.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com