They are more difficult to implement through discipline than administrative human_centric processes (although some discipline is needed). It is better to focus on obtaining buy_in from the people affected by the processes through early involvement, communication and expectations management. It is a known fact that knowledge workers are reluctant to change their habits. Some say knowledge workers don';t like following procedures because they feel it limits their creativity; but most of the time they will be happy to follow a procedure as long as they see value in it, perceiving that it helps them work better and produce a better process output.
Only if you know what your retirement plan is all about, you can say that it is exactly the right plan for you. You also know precisely when you need to adjust it. Everyone needs one if they want to have a nice future. One should know how it works and what benefits you will get in the end. You should ask yourself these questions because they are too important not to be answered. Most of the employers these days offer some sort of retirement plan for their staff, this also means that someone is or some people are responsible for the management of these plans. There are a lot of rules that need to be followed and someone needs to keep the oversight.