Paying 1% a year on your pension savings, rather than 0.5%, could cost you £77,900.
Paying 1.5% rather than than 0.5% would cost you £144,200.
That is how much less your fund would be worth because of higher charges -assuming you started putting in £100 month and raised contributions gradually over 46 years and got some decent investment growth.
The analysis comes from the DWP's consultation on capping charges at 0.75% or 1%.
The Pensions Minister, Steve Webb has put off imposing a cap until after April 2015
The average charge for new savers is 0.51% but thousands are already on higher rates.