Pensions Alliance Trust

What Pensions Alliance Trust does

Pensions Alliance Trust Limited (PAT) is a Ghana-based, privately held corporate pension trustee founded in 2010 and licensed by the National Pensions Regulatory Authority (NPRA) to administer occupational pension schemes (Tier 2), voluntary provident funds (Tier 3), and personal pension schemes. The company was the first licensed Corporate Trustee in Ghana and operates across three physical offices in Accra, Kumasi, and Takoradi. Its product portfolio spans Tier 2 occupational pensions (mandatory 5% contributions from employer and employee), Tier 3 voluntary and personal pensions (up to 16.5% tax-exempt contributions), the Enidaso Wealth Builder personal pension plan with embedded PenSure insurance benefits, the PenAdopt product for enrolling dependents, and a Diaspora Pension Plan targeting Ghanaians abroad.

PAT's technology stack consists of a digital service layer rather than an AI-driven platform: a mobile application (PAT Mobile on iOS and Android), a web-based member self-service portal (mypatonline.com), and a rule-based pension calculator that helps users estimate future retirement value from contribution, tenure, interest, and growth inputs. The company emphasizes robust IT infrastructure for data security and capital preservation as a core value proposition, but no proprietary AI/ML, API, or third-party integration capabilities are documented.

PAT's revenue model is built on Asset Under Management (AUM) fees, capped at a regulatory maximum of 1.33% of AUM per annum for scheme administration, supplemented by minimum-deposit thresholds (GHS 500) for the Enidaso Wealth Builder individual product. The go-to-market combines B2B enterprise sales to employers and corporations for Tier 2 corporate trusteeships with direct-to-consumer acquisition through mobile app, web portal, and digital marketing (website, Facebook, Instagram, LinkedIn, YouTube). Customer segments include formal sector employees, voluntary contributors, informal sector workers, the Ghanaian diaspora, and family-level planners, with no disclosed institutional investors, external funding, or M&A activity.

Name

Pensions Alliance Trust

Legal name

Pensions Alliance Trust Limited

Website

https://pensionsalliancegh.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Pensions Alliance Trust is a Ghana-based, NPRA-licensed corporate pension trustee founded in 2010, administering Tier 2 occupational, Tier 3 voluntary, and personal pension schemes for Ghanaian employers, employees, informal sector workers, and the diaspora via mobile and web platforms.

Ownership category

akta.pro rank

Product category

Pension Fund Management and Trusteeship

NAICS

Pension Funds (52511), Pension Funds (525110)

SIC

Finance Services (6199)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industry

Employee Benefit & Retirement Plan Trust Services (FSAAANAC)

Keywords

• Corporate pension trustee
• Retirement income management
• Occupational pension schemes
• Voluntary pension plans
• Pension fund administration

Headquarters

HQ city

Accra

HQ country

Ghana

HQ region

Africa

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Asset Under Management (AUM) Fees: PAT charges a maximum of 1.33% of Asset under Management as fees per annum as administrators of pension schemes. This is the primary revenue stream from managing Tier 2 occupational pension schemes, Tier 3 voluntary provident funds, and personal pension schemes for clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Pensions Alliance Trust (PAT) operates as a licensed corporate pension trustee in Ghana, managing Tier 2 occupational pension schemes (mandatory 5% employer/employee contributions) and Tier 3 voluntary provident funds and personal pension schemes for employers, employees, self-employed individuals, and the Ghanaian diaspora. The company also offers the Enidaso Wealth Builder personal pension, PenAdopt dependent enrollment, PenSure insurance benefits, and digital self-service channels (mobile app and online portal).

Product overview

Pensions Alliance Trust (PAT) operates as a multi-product pension trustee platform offering three-tier pension schemes in Ghana. The core offering consists of Tier 2 Occupational Pension (mandatory 5% contribution for lump sum retirement payments) and Tier 3 Voluntary and Personal Pension (tax-exempt contributions up to 16.5%). The product portfolio includes specialized offerings: Diaspora Pension Plan for Ghanaians abroad, Group Pension Schemes for associations and employers, and the Enidaso Wealth Builder program as an enhanced personal pension with investment advisory and insurance benefits. Add-on insurance products include PenSure (embedded death, disability, hospitalization coverage for members with GHS 50,000+ accumulated funds) and PenAdopt (pension enrollment for dependents and loved ones). Digital services comprise the PAT Mobile App (iOS/Android) and Online Member Portal for 24/7 account management and statements. The company is licensed by NPRA and was founded in 2010 as Ghana's first licensed corporate trustee.

Differentiator

Problem solved

Functional benefit

Brands

• Enidaso Wealth Builder: An enhanced personal pension plan that provides flexibility to save toward personal pension, financial objectives, or specific goals such as building a dream house, education, wedding, or business capital.
• PenAdopt
• PenSure
• Diaspora Pension Plan

Products and services

• Tier 2 Occupational Pension Scheme Mandatory occupational pension scheme where both employer and employee contribute 5% of basic salary, providing lump sum payments to beneficiaries at retirement. Designed for Ghanaian formal-sector employees enrolled via their employer.
• Tier 3 Voluntary and Personal Pension Scheme Voluntary provident fund and personal pension scheme governed by trust, allowing flexible tax-exempt contributions up to 16.5% of basic salary. Suited to employees seeking additional retirement savings beyond Tier 2, as well as self-employed individuals.
• Diaspora Pension Plan Personal pension scheme under Tier 3 specifically designed for Ghanaians residing abroad, enabling remote voluntary contributions and cross-country portability for retirement savings intended to be drawn in Ghana.
• Group Pension Schemes Master or employer-sponsored pension schemes for associations, groups of colleagues, and employees, providing professionally administered pension arrangements with world-class fund administration services.
• Enidaso Wealth Builder Enhanced personal pension plan offering flexible savings toward personal retirement or specific goals such as housing, education, weddings, or business capital. Requires a minimum GHS 500 initial deposit and includes free life insurance and hospitalization cover for members meeting fund thresholds.
• PAT Mobile App Mobile application available on Android and iOS that lets PAT members track pension fund balances, update personal information, download statements, and receive SMS notifications for account credits anytime.
• Online Member Portal (mypatonline.com) Web-based self-service portal where members can log in to access their pension accounts, update bio data, and download account statements online.
• PenSure Insurance benefit product for Master Trust Scheme members with accumulated funds of GHS 50,000 or more, providing free death cover (GHS 5,000), disability cover (GHS 5,000), and hospitalization insurance (GHS 100 per night up to 30 days).
• PenAdopt Enrollment product under the Enidaso Wealth Builder Program that allows individuals to increase the financial security of children or relatives by enrolling them as Early Bird Contributors or Save My Loved One Contributor Fund members.

Quantifiable outcome

• Free life insurance cover of GHS5,000 for death and GHS5,000 for disability, plus GHS100 per night hospitalization insurance up to 30 days for members with accumulated funds of GHS 50,000+

Named customers1 record

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Enterprise Group Ghana: Ghanaian financial services group offering pension schemes through its insurance and life subsidiaries (Enterprise Life, Enterprise Trustees). Directly competes with PAT for employer-sponsored occupational pension and individual pension mandates in Ghana.
• Databank Group: Leading Ghanaian investment management and pension fund management group. Operates Databank Pension Fund Managers, one of the licensed pension fund managers in Ghana, making it a direct competitor for AUM on both Tier 2 and Tier 3 schemes.
• CAL Asset Management Company Ghana: Ghanaian asset management firm operating CAL Pensions, a licensed pension fund manager. Directly comparable to PAT in administering and managing pension assets for corporate clients and individuals.
• Vanguard Assurance Company Ghana: Ghanaian insurance company offering group personal pension schemes and occupational pension products to employers and individuals. Directly competes with PAT in the Tier 2/3 and personal pension market in Ghana.
• Starlife Assurance Ghana: Ghanaian life insurance company providing individual and group pension products, retirement planning, and endowment plans. Competes with PAT in serving diaspora and informal-sector workers with voluntary pension offerings.

Broad incumbents

• Old Mutual Ghana: Subsidiary of South Africa-based Old Mutual offering life insurance, investments, and pension products in Ghana. Competes indirectly with PAT via group pension schemes and individual retirement plans as part of a broader financial services portfolio.
• Stanbic Bank Ghana: Ghanaian arm of Standard Bank group offering pension custody and administration services for corporate schemes. Competes with PAT for employer-sponsored pension mandates while offering the broader balance sheet and corporate banking relationship of a tier-one bank.
• Sanlam Ghana (Sanlam Life Insurance): Subsidiary of South African financial services group Sanlam offering life insurance and retirement/pension products in Ghana. Overlaps with PAT's Enidaso Wealth Builder and group pension offerings through a broader regional insurance-led platform.

Regional players

• ARM Pensions (Nigeria): One of Nigeria's largest Pension Fund Administrators (PFAs) under the PFA-defined-contribution system. Operates a comparable licensed pension administration model in a neighbouring West African market with similar regulatory structure (multi-tier occupational/voluntary pension framework).
• First National Bank Ghana (FNB Ghana): South African-owned bank offering pension fund custody and related advisory in Ghana as part of broader retail banking. Adjacent competitor for custody/trustee services on corporate pension schemes; primarily competes on employer-side relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@pensionsalliancetrust8180
• Facebookfacebook.com/pensionsalliancetrustgh
• LinkedInlinkedin.com/company/pensions-alliance-trust-limited
• Instagraminstagram.com/pensionsalliancetrustgh?igshid=NGVhN2U2NjQ0Yg==

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pensions Alliance Trust