The implementation of pension reforms across Nigerian states suffered a significant setback in the fourth quarter of 2025 as political calculations ahead of the 2027 general elections increasingly overshadowed governance priorities.
Latest data released by the National Pension Commission (PenCom) shows that efforts to expand the Contributory Pension Scheme (CPS) at the subnational level recorded no measurable progress during the quarter, despite sustained engagement and consultations with state governments.
The development highlights a growing disconnect between pension reform commitments and actual implementation, as many state governments appear to be diverting attention and resources toward political realignments, succession battles, and election preparations.
According to PenCom’s fourth quarter 2025 industry report, only eight out of the 36 states and the Federal Capital Territory are currently fully compliant with the CPS framework established under the Pension Reform Act.
The figure remained unchanged throughout the quarter, indicating a complete halt in the momentum needed to
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