Retirement benefits

LWF has set up a provident fund for staff here in Kenya. As part of my job, I am a trustee of the fund. The last two days we had a trustee training and an annual general meeting of the fund for the staff. The government has only been regulating/encouraging these funds for the last 8 years. Many of the staff still do not understand it. The current rule is that when the staff leave the organization, they can get their contributions to the fund, but don't get the employer contributions until retirement. This rule went into effect 3 years ago - before that, you could take out the entire balance. Some staff don't see why they can't get the entire amount when they leave the organization. They worry that they will never get it; that LWF keeps it or somehow the government gets it. Most don't understand why they need to save for retirement - the practice in the past is that the children provide for the parents in old age, but that is becoming less possible for most to do.

Other related facts:
Life expectancy in Kenya is 44 years.
There is no offical government set retirement age; it really varies by organization.
The trustees of the LWF fund can change your beneficiary (when the person dies) if they don't think your selected choice was appropriate (nothing provided for the kids, nothing for the wife and all to the girlfriend, etc.). -{I feel pretty uncomfortable with that.}
There is a government Social Security plan - everyone contributes about $3/month and the employer matches it. This plan has not been managed well and no one really has a clue how much is attributable to them.