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Firms using small self administered schemes (SSAS) could be liable for substantial fines if they fail to abide by the rules.
More than two thirds of adults fear being forced to work past 65 because they cannot afford to retire, according to Zurich.
The eagerly anticipated "Platform" paper was published by the FSA on Wednesday 27 June and Andy Bell, chief executive of Sippcentre parent company AJ Bell has given his views in a new video interview.
Launched two weeks ago, the British Pension Survey, a landmark project aiming to reveal the contemporary financial challenges Britons face in retirement, is already producing surprising and alarming results, say organisers.
A survey of 1,000 financial advisers has found that Sipps provided by specialist providers are, on average, more popular than Sipps provided by life and pension companies.