It might interest you to know that under Nigerian law, if you are an employee that works in an organization that has a minimum of five persons, the employer is under obligation to open a retirement savings account for all the employees.

It doesn’t matter that the employee, who is expected to approach a pension fund administrator to open a retirement savings account, actually opens the retirement savings account. Even in the absence of that, it is obligatory on the employer to open a nominal retirement savings account into which the employer’s contribution to the contributory pension scheme would be remitted.
Failure to do the above, would make the employer penalized for failing to remit the employer’s share of the contributory pension funds. https://www.instagram.com/reel/C5g59E9rJuS/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA==