Benchmarking employer scheme vs direct and indirect for drawdown

gm0

My lengthy saga with a scheme administration transfer into L&G is over.
So I can now confirm 2020 scheme facts to choose the route to take.  Today was looking at the base case i.e. my new L&G Worksave drawdown option i.e. staying where I am accessing the option arranged by the employer scheme trustees.

For my worked example - in drawdown it works out as ~£675 pa to run my drawdown.  Insured full protection basis
But cost scales with fund size as it grows and reduces as it is depleted) % basis.
I can do slightly better on platform and admin say ~£400 after trading - in a an "uninsured" i.e. 85k protection fixed capped fee SIPP - whoever it is this month - via snowman spreadsheet etc. 

So far so OK - but are fund costs equal ?

Digging a bit further the lowest cost for a passive global equities play using L&G indexer funds inside Worksave is ~0.11% neither great nor utterly dreadful.

I can mix  L&G PMC UK Equity Index Fund 3 @0.1% (tracks FTSE All Share TR) and L&G PMC World (ex UK) Equity Index Fund 3 @ 0.12% (tracks FTSE World ex UK) to weight or to desired home market bias - 5%-15%

So the question becomes - can I do any better "like for like" while remaining in an "insured" investment context (full protection vs 85k)

For a more active and fund manager selecting portfolio - this whole scenario is limited.  There is no access to Fundsmith, Lindsell Train, HSBC, RIT, Vanguard funds or other commonly discussed options from the whole of market investment structures.  But I can access those other funds if I choose to mix and match - either via ISA recycling tax free cash (taking the short term IHT exposure in return for LTA management of growth) - or by going "partial" with the pension i.e. moving some into L&G Worksave (phased FAD) as an "insured" core passive holding and then transferring out the uncrystallised residue to a low cost full service SIPP where a wider range of investment options are available

This "in house" option has come out a bit better than I had expected.  Usually in financial services this means you are missing a key element of the shell game.

Thoughts or pointers appreciated