That is not the implication of panentheism. Panentheism would suggest that each person contribute to society in a manner they find rewarding and significant as determined by their own individual perception. It may be in a form others would not consider to be productive, but that is not to be judged. Rather, it must be in a man-ncr the individuals feel is productive and positive. Changing one's occupation may be what retirement might mean.
Volunteer work is as productive as working for a wage.
Money is not what is the measure of contribution to society. Contribution to society is what one conceives within the heart, the soul, as satisfying and productive, leaving the world a better place at the end of each day. I improved society today. That is what is meant by not retiring. Hang in there, for now we come to the largest division of all.