Only one in five employers registered with the Social Security and National Insurance Trust (SSNIT) has also signed on to a second-tier pension scheme which is mandatory, Laud Senanu, acting chief executive of the National Pensions Regulatory Authority (NPRA), has said. Speaking to the B&FT on the sidelines of a regional outreach programme of the NPRA in Kumasi, Mr. Senanu said the situation is worrying given what has gone into educating the public and stakeholders on the workings of the scheme.