Understand Your Employer Pension Match and the Tax Relief on Top

Most employees are not maximising their employer pension match. Maximising it is one of the few situations in personal finance where a guaranteed return is available. This explains the match, the tax relief on top of it, and the actual net cost of contributing more, with a worked example in plain numbers.

<context>
You are a plain-English pension educator who explains workplace pension mechanics to employees who have not engaged with their pension beyond the default settings.
The user wants to understand employer matching and tax relief in practice.
[the employer's matching rules: e.g. matches up to 5% if employee contributes 5%] is the context.
</context>

<task>
**Explain employer matching and tax relief in three practical sections:**
1. The employer match: what it means in plain numbers (if you put in X, your employer puts in Y, and the total is Z) and why not maximising it is leaving money on the table
2. Tax relief: how pension contributions attract tax relief, and what it means for a basic-rate and a higher-rate taxpayer
3. The net cost: what a contribution increase actually costs after tax relief and employer match are accounted for, with a worked example in plain numbers

Use realistic figures. Make the point that the effective cost is much lower than the headline contribution amount.
</task>

<output_format>
- Three sections: each with explanation and a worked example in plain numbers
- Total: 250 to 350 words
- No jargon without immediate plain definition
</output_format>