I hope that you don’t advise these to your clients. 
In a “standard” 3a account, the fees are charged by percentage - so it doesn’t make a difference AFAIK.
I guess you should start advising your Clients opening 3a with VIAC/Finpension/etc. I can even provide them referral codes for VIAC 
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That’s exactly what i advise to my client… and with facts. My last client wanted to split the 573 chf in 2 separated contracts. with swisslife. Indeed at the age 65 the projected outcome of one contract with the monthly payement of 573 chf was greater that projected combined outcome of the 2 splited contracts 300+273 chf.
But we decided. to go for the splited contracts because of the tax advantage at retirement.
So yes Dbu… I advised to my clients to go for the splitted contracts even if by splitting it there were some hidden additional fees
How can you advise a product with hidden fees ? Just wondering.
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Depending on your tax amounts (3a, wealth and dividends), it can be better to keep the money sheltered for as long as possible and to withdraw all the accounts at the latest time you can. Having 5 accounts still lets you the option to choose to withdraw them in the same year, though, while it would not be possible to split them after the fact if you suddenly realize that taking them out in smaller slices would be advantageous.
For his own sake, I hope he does. 
I was not talking about splitted vs. non-splitted contracts.
But about the “scammy” 3a+insurance tied contracts vs. just going for pure A and pure B. 
Which - starts to feel - you came to promote on this forum.
I’m quite sure you’ll find a lot of pushback on those products here, so just be prepared.
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