The National Pensions Regulatory Authority (NPRA) has issued a strong warning to employers across Ghana to immediately register and remit Tier 2 pension contributions for their employees or face prosecution.
At a media engagement in Accra on April 9, 2026, the Authority stressed that failure to comply with obligations under the National Pensions Act 2008 (Act 766) is a punishable offence that threatens the retirement security of workers.
The Chief Executive Officer of NPRA, whose speech was delivered by Deputy CEO Victor Azuma Mejida, revealed that some employers have failed to register Tier 2 occupational pension schemes, while others deduct contributions from workers’ salaries but do not remit them to trustees.
“These violations of workers’ rights must not be condoned. Employers must desist from such acts or face prosecution,” the Authority cautioned.
The regulator underscored the gravity of non-compliance, warning that defaulting on pension payments could have severe consequences for employees’ future income security. “Failure or refusal to pay these contributions means doom for the worker,” the statement emphasized.
As part of intensified enforcement efforts, NPRA disclosed that it prosecuted 11 non-compliant employers in 2025 and recovered more than GH¢27 million—representing about 30 percent of an estimated GH¢91 million in outstanding contributions.
The Authority has deployed compliance officers nationwide to inspect company records, issue demand notices and pursue legal action where necessary. Employers in default are also subject to a 3 per cent monthly compounding penalty on unpaid contributions.
To strengthen its enforcement regime, NPRA has trained 44 prosecutors across the country and is stepping up inspections in line with its statutory mandate. “It is an offence… to default in payment of pension contributions of your staff,” the Authority warned, adding that sanctions will be strictly applied.
Under Section 3 of Act 766, all employers regardless of size are required to enroll workers in a Tier 2 occupational pension scheme and ensure timely payment of contributions, with the Authority emphasizing that failure to even register a scheme constitutes a breach of the law.
NPRA is also calling on the media and the public to support its compliance drive by exposing defaulting employers, urging collaboration to safeguard the pension rights of Ghanaian workers.
The Authority maintained that pensions remain a critical pillar of financial security and dignity for workers, reaffirming its commitment to enforcing compliance and protecting retirement income across the country.
