Employer Compliance Improved in 2025 – SSNIT Reports
SSNIT clears government arrears and records stronger private sector participation in pension contributions.
- Government cleared all outstanding pension contribution arrears by end of 2025.
- Private sector now accounts for 52% of total contributions to the scheme.
- SSNIT plans to introduce a loyalty programme with co-branded cards and added member benefits.
The Director-General of the Social Security and National Insurance Trust (SSNIT), Kwesi Afreh Biney, has announced significant improvement in employer compliance with pension contributions over the past year, expressing optimism that the progress will continue.
Speaking to the media during a two-day engagement with pensioners and employers in Tamale, Mr Biney revealed that all outstanding government arrears on employee pension contributions were fully settled by the close of 2025.
He explained that the payments were made under the leadership of the Minister of Finance, Cassiel Ato Forson, effectively clearing the government’s contribution arrears by year-end.
“For 2025, every due obligation from the government was paid, so at the end of the year government did not have any contribution arrears,” he stated, praising the minister’s performance.
Mr Biney further noted that the private sector has made notable strides, now contributing 52 per cent of total inflows to the pension scheme. He attributed this to increased awareness among employers about the value of securing their workers’ retirement benefits.
“There has been a lot of improvement in compliance. Employers are beginning to understand that by paying contributions for their workers, they are creating a workplace environment that motivates employees to give their best,” he said.
He expressed confidence that continued engagement with stakeholders would help sustain and deepen compliance levels in both the public and private sectors.
Touching on SSNIT’s expanding reach, Mr Biney described the Trust’s 2.1 million active contributors as a significant economic force, supporting about 267,000 pensioners currently receiving monthly payments.
Beyond the core pension mandate, he disclosed plans to introduce a loyalty programme aimed at delivering additional benefits to contributors. The initiative will include co-branded cards in partnership with selected banks, enabling members to access loyalty packages and discounted services, including healthcare.
According to Mr Biney, the programme forms part of broader efforts to boost contributor confidence and enhance the overall value of participation in the national pension scheme.
