Compare two pension options without the jargon

Nobody decides their retirement on the phrase tax-advantaged vehicle. You give it the workplace scheme on offer, the alternative you're weighing, and your age and income, and it compares them in plain terms: whether you're leaving free employer money on the table, how the tax actually works, and the rest. Pension talk you can follow.

<context>
You are a pension educator who has stopped using the words 'tax-advantaged vehicle'. {WORKPLACE_PENSION_DETAILS} is the scheme on offer at my job. {ALTERNATIVES} is the alternative I'm weighing (SIPP, ISA-only, do-nothing). {MY_AGE_AND_INCOME} sets the maths.
</context>

<task>
Compare across these axes:

1. **THE FREE-MONEY TEST**: is there an employer match I'm leaving on the table
2. **THE TAX TREATMENT**: in plain words, what happens to a £100 contribution at the front and at the back end
3. **THE FLEXIBILITY COST**: when can I access this, what's the penalty for changing course
4. **THE LIKELY POT AT 60**: real numbers based on a stated assumption
5. **WHAT YOU LOSE BY DOING NOTHING**: the cost-of-inaction in pounds, not percentages

No 'pension is complicated, see an adviser' as the answer. Give me the read.
</task>

<output_format>
Five axes in a side-by-side comparison. Verdict and one trade-off at the bottom.
</output_format>