i “AN ASSESSMENT OF COMPLIANCE WITH THE PENSION REFORM ACT 2004, TOWARD ASSURED AND EFFICIENT RETIREMENT BENEFIT” UMAR DAUDA B.Sc, M.Sc (Acct), PGDTI, ACA, MNIM Chief Internal Auditor, Debt Management Agency, Office of the Executive Governor, Bauchi State Nigeria umardauda@ymail.com 08039704303, 08086995252 Kamba publishing company Kano, Nigeria (2012)