The Pensions Board has expressed serious concern over the declining number of occupational pensions.
Almost 772,000 people currently have this type of pension, some 38,000 fewer than in 2010 and a drop of almost 5%.
The Board has expressed particular concern over Defined Benefit Schemes, 80% of which are in deficit.
It also said that the number of whistleblower reports it has received about non-compliance with pension rules remains very high.
The Board successfully prosecuted 26 cases during 2011.