Every month, your employer transfers Bitcoins into a time-locked address that can't be transferred out before you reach retirement age. You have the key to the address. You can verify the transfer on the blockchain.
No middle-men. No funny business. No brokers with pyramid/eyeball shaped logos. No "oops we went bankrupt and lost your retirement." No bail-ins. No raising the age of retirement.
Just Bitcoin.
That is still risky. Why not just do it by yourself? You can't assure that your employer that he don't have the key to your address. It would also be easy for him to make a fake a hack incident if he wants to. The best safe thing is to receive it first and then transfer it right away to an address that you will never touch.