NPRA Warns Employers to Comply with Tier 2 Pension Rules or Face Prosecution
Regulator Intensifies Enforcement as Employers Face Crackdown Over Pension Defaults
- The National Pensions Regulatory Authority has warned employers to register and remit Tier 2 pension contributions
- Some employers are deducting workers’ contributions without remitting them
- The NPRA has stepped up inspections, trained prosecutors, and recovered millions from defaulting employers
The National Pensions Regulatory Authority (National Pensions Regulatory Authority) has issued a stern warning to employers across Ghana, urging them to register and remit Tier 2 pension contributions for their workers or risk prosecution.
Speaking at a media briefing in Accra on April 9, 2026, the Authority emphasized that non-compliance with the National Pensions Act, 2008 (Act 766), constitutes a punishable offence that endangers the retirement security of employees.
The Chief Executive Officer of the NPRA, represented by Deputy CEO Victor Azuma Mejida, disclosed that some employers fail to register occupational pension schemes, while others deduct contributions from workers’ salaries but fail to transfer them to trustees.
“These violations of workers’ rights must not be condoned. Employers must desist or face prosecution,” the Authority cautioned.
NPRA stressed that failure to remit pension contributions has serious consequences for employees’ future financial stability, warning that such actions jeopardize workers’ livelihoods in retirement.
The Authority further revealed that it prosecuted 11 defaulting employers in 2025, recovering over GH¢27 million out of an estimated GH¢91 million in outstanding contributions.
To strengthen enforcement, the NPRA said it has deployed compliance officers nationwide to inspect payroll records, issue demand notices, and pursue legal action where necessary. Defaulting employers also face a 3 percent monthly compounded penalty on unpaid contributions.
Additionally, 44 prosecutors have been trained nationwide as part of efforts to intensify enforcement under its statutory mandate.
Under Section 3 of Act 766, all employers—regardless of size—are required to enroll workers in a Tier 2 pension scheme and ensure timely remittance of contributions. The Authority noted that even failure to register a scheme is a violation of the law.
The NPRA has also called on the media and the public to support its compliance drive by reporting defaulting employers, as part of efforts to protect workers’ pension rights.
The Authority reaffirmed its commitment to safeguarding retirement income and ensuring dignity and financial security for Ghanaian workers.
