It depends on a number of factors, but as the person is missing 9 years service at 65 or 15 years at 60 then there is scope to at least bridge the gap in their tax free lump sum using a PRSA AVC/AVC.
Whether it is worth doing more than this would require further analysis as they do not meet the Approved Retirement Fund (ARF) threshold.
Some of the information that is required to give a more definitive answer is:
1. The persons age
2. The persons current salary, and details of any other earnings related to the employment such as overtime, on-call etc
Regards,
Andrew