This is an interesting topic that is also a very current one in the Netherlands: https://business.gov.nl/finance-and-taxes/pensions/the-new-p...

Where they've essentially implemented the system as the 1 in 4 American think it works in the USA. Specifically:

> It will become clearer how your pension or your employee’s pension grows. Employees will have their own pension account, showing all the contributions they have paid. And the profit or loss made with this money.

It will be interesting to see if this works out as they've calculated/predicted.