In the modern era, employees often get paid more than wages. Paid vacations, health care, pensions, stock options, discounts, stipends, and payment to retirement funds are all examples of extra benefits employees may receive for their work.

In the game, we simplify these benefits into two categories, Defined benefits and Direct benefits.

Note to players,

Some of the concepts of private retirement might sound foreign to those outside of the United States. However, almost all retirement systems in the world use these concepts. If your country has socialized the retirement systems, you're just replacing private payments to the retirement system with a tax that goes to the retirement system.

Because of that, and the historical nature of private pensions predating most forms of socialized retirement systems, and the lack of business interaction with the socialized retirement systems, the game only implements privatized forms of retirements. Socialized retirements are implied by the wages you pay and have no bearing on your company as the government manages that money. While we understand not all countries have defined benefits these days, defined benefits were a big part of the early auto industry, and it is meant to balance the gameplay. Nearly every country, socialized or not, has direct benefits in some form or another, even if it's government-backed and guaranteed.