THE MISSING GATEKEEPER

Greece has opened a new chapter in supplementary pension provision. But expanding access is not the same as creating participation.

The Missing Gatekeeper examines the institutional mechanisms that determine whether supplementary pension systems actually reach the people they are designed to serve. Building on original stakeholder research and the reforms introduced by Greeces Law 5327/2026, Thomas Rammopoulos explores the interaction between institutional confidence, auto-enrolment, private insurance, bancassurance, and pension-system design.

Drawing on comparative evidence from Greece, Poland, Belarus, the United Kingdom, New Zealand, and Germany, the book identifies a central problem: successful auto-enrolment systems rely on an institutional gatekeeper - typically the employer - to identify participants, collect contributions, and sustain participation. For the self-employed and workers in micro-enterprises, that gatekeeper is often missing.

The book develops a layered institutional architecture for addressing this gap and examines how trust, incentives, provider assignment, contribution collection, communication, and consumer protection must work together.

Written for policymakers, insurance professionals, researchers, and readers interested in pension reform, The Missing Gatekeeper offers a comparative and evidence-based perspective on the future of supplementary pensions in Greece.