RAC versus PRSA

OH has an RAC with BoI from previous employments. Not making any more payments into it and won't in the future. Now has seperate PRSA with Zurich. Thinking of converting the RAC to a PRSA with Zurich also given their long term better performance. AMC is 0.75% with both. I'm wondering if there is any meaningful benefit or option that will be lost by converting the RAC to a PRSA. Thanks