What people often miss
It is common to focus only on performance and ignore other important details: older guarantees, duplicated arrangements, unclear nomination details, or a drawdown plan that has never really been reviewed.
Consolidation is not the point
Sometimes consolidation makes sense because it improves clarity and ongoing management. Sometimes it does not. The right question is not "can this be moved?" but "would moving it actually improve the plan?"
When a review is most useful
A review is usually most valuable when retirement is coming into view, when you have lost track of older pensions, when your savings are sitting idle, or when life has become more complicated than your current setup.