[...] to invest in pensions but not providing them for staff.
maybe they are being smart? I ran the numbers for my own pension plan, and it makes more sense to invest the money myself than to put it in a pension fund (caveat: depends on your age). This is even more cringe worthy if you consider that my 8% is topped up with 15% by the employer and
they still mess up the pension investment. Ever since defined benefits went out of the window, I'm not overly confident in any pension scheme.
And the topic poster asked for it, so here are my comments:
Does the utility bill include gas/oil/electricity? If so, I don't think this is too high.
Car payment ... not much I can contribute there. I would agree it is best to pay this off first, before you pay off any more of your mortgage. As for cycling, I guess it does somewhat depend where you live in the UK. Truth be told, I was scared as well, but it is a lot safer than I expected it to be.
Your house is some steep payment each and every month, but it is not like you can easily get out of that. It also depends on the area. If you are paying this in London: well done :). But this might be facepunch worthy if you are living in a more isolated place. If so, then either you should bike and get rid of the car as you must be close enough to the city centre, or you should move to a more rural area since you both have cars anyway. Still, I understand, this is your house and it's not like it is easy to move.
Bank account fees are just stupid. You can buy phones for that price. And if you brick your phone that often that the price is worth it, maybe you should really consider a much cheaper phone. Move to a bank like Halifax where you even get £5, each!, every month. The difference alone means £200 extra each and every year.
Cut out your TV/phone, move to internet only and get you some Netflix or Amazon Prime. Call the internet company and negotiate a 20% discount on internet on top of that. I did, took only a few minutes. I know, you mention that having the phone line is cheaper, and it probably is. Nevertheless, do give them a call. Especially with the latest price hike for broadband only you will very likely end up with a lower price. Again, it took me minutes to negotiate a £7 discount each and every month for the next 18 months, so it is definitely worth it.
Gas cover? Geez, I dunno. These typically exclude sludge or damage caused by sludge, and guess what will ruin your boiler and radiators in the end ...
Mobile phone of £53?? And another phone contract for £47? I do hope you are paying part of your phones in those contracts. Anyway, I call a facepunch here. Do you really need a phone that expensive? Do you really need to call/text/browse that much? I have a friggin' iPhone (bought outright), which I use for about 3 years, and my monthly bill is about £3 on Three. That works out to about £18 a month if I would drop the phone in a bin at the end of its life. I won't, and I will easily recuperate another £100 by selling it to CEX. So, yes, seems excessively high to me.
Healthcare? Really? To me, this is wasted money in the UK if you are looking for other places to save. Yes, NHS can be horribly slow, but it is free.
Groceries are very good, Dropbox is fine (but moving to iCloud does make sense), home insurance is low (don't just renew, next time use a Quidco deal or similar), vacation savings are even rather low!
Pet insurance ... up to you, but seems steep to me.
Truth be told, you aren't doing too badly in terms of expenses. Your income is not too bad either. As you mention, you aren't particularly extravagant. Areas I would see you can cut back in are the phones, the cars, and insurance. The phones are just stupid if you consider you are paying £1200 yearly for them. I don't have a car altogether, so I find cars stupid as well :). That being said, do consider downgrading to one car. If you can cut the most expensive car, that would give you another £250 a month (assuming £50 extra petrol for the cheaper car). The insurances are mostly because you like the convenience, but not because you actually ran the numbers. If you did, you would see that insurance is usually a rip-off. Home insurance and car insurance should be there. Pet insurance depends on the current medical condition and the age of the dog. Healthcare insurance, gas cover, and phone insurance sound dumb to me.
One more thing: don't get advise on investments. Put it all in a simple Vanguard LifeStrategy 80. You only need to buy one fund, and your money is immediately invested worldwide in both stocks and bonds. If you do want investment advise, go have a look at monevator.com .