The National Pensions Regulatory Authority (NPRA) has issued a stern warning to employers throughout Ghana, urging them to promptly register and remit Tier 2 pension contributions for their employees, or they will face legal action.
During a media engagement held in Accra on April 9, 2026, the Authority emphasized that non-compliance with the requirements set forth in the National Pensions Act 2008 (Act 766) constitutes a punishable offence that jeopardizes the retirement security of workers.
The Chief Executive Officer of NPRA, represented by Deputy CEO Victor Azuma Mejida, disclosed that certain employers have neglected to register Tier 2 occupational pension schemes, while others have deducted contributions from employees’ salaries without remitting them to the trustees.
“These infringements on workers’ rights cannot be overlooked. Employers must refrain from such actions, or they will face prosecution,” the Authority warned.
The regulator highlighted the seriousness of non-compliance, cautioning that failing to make pension payments could lead to dire consequences for employees’ future income security. “Failure or refusal to pay these contributions spells disaster for the worker,” the statement stressed.
As part of its enhanced enforcement initiatives, NPRA revealed that it prosecuted 11 non-compliant employers in 2025 and recovered over GH¢27 million—approximately 30 percent of an estimated GH¢91 million in outstanding contributions.
The Authority has assigned compliance officers nationwide to review company records, issue demand notices, and initiate legal proceedings as necessary. Employers who are in default will also incur a 3 percent monthly compounding penalty on unpaid contributions.
To bolster its enforcement framework, NPRA has trained 44 prosecutors nationwide and is increasing inspections in accordance with its statutory responsibilities. “It is an offence… to default on the payment of pension contributions for your staff,” the Authority cautioned, noting that penalties will be rigorously enforced.
According to Section 3 of Act 766, all employers, irrespective of their size, are mandated to enroll their employees in a Tier 2 occupational pension scheme and to ensure that contributions are paid punctually. The Authority has stressed that failing to even register a scheme is considered a violation of the law.
The NPRA is also appealing to both the media and the public to assist in its compliance initiative by identifying employers who default, and is encouraging cooperation to protect the pension rights of workers in Ghana.
The Authority reiterated that pensions are a vital component of financial security and dignity for employees, reaffirming its dedication to enforcing compliance and safeguarding retirement income throughout the nation.
