They have to decide how much to have withheld from their pay. Then they have to decide what investments to make. It can feel very confusing. The problem is that all these people will eventually grow old and retire, whether they have saved or not. If they have not saved anything, they will be financially destitute.
Many politicians worry about that.
This is a generous nation. Instead, politicians will likely make up the difference by raising taxes on those who were wise enough to save. Most companies try to help by offering communication about the investment choices. But the company will not make the choice for them. There is no guarantee the employee will do it wisely.