Thousands of Kenyan employees are losing out on retirement benefits due to employers failing to remit their National Social Security Fund (NSSF) deductions. This widespread practice leaves workers vulnerable and with significantly reduced pension benefits upon retirement.

• Employers face a 5 percent monthly penalty on unremitted amounts, or Ksh20,000, whichever is higher, and can also face criminal charges.
• The NSSF and the Retirement Benefits Authority are key organizations involved in addressing this issue.
• Employees are advised to regularly check their contribution statements and report non-remittance to the NSSF offices for investigation and recovery.