Why are fewer companies offering pension plans to retirees? Isn't it unfair?

[Zhangbaixiang]

Business English Lesson, Advanced Level

ESL/EFL Test #148 "Company Benefits", question 8

On the other hand, fewer companies are offering pension plans that guarantee a fixed monthly sum to ..........

(a) employees
(b) layoffs
(c) retirees
(d) seniors

Business English Lesson, Advanced Level

ESL/EFL Test #148 "Company Benefits", answer 8

On the other hand, fewer companies are offering pension plans that guarantee a fixed monthly sum to retirees.

Correct answer: (c) retirees
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Why are fewer companies offering pension plans to retirees? Isn't it unfair to them?
thanks
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I have a dream and I want to know the secret of time and universe.

[Kitosdad]

Obviously an error.

Employees is the correct answer.
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Keep it simple ... Keep it interesting.

[Mister Micawber]

I don't think so, Kitosdad. Employees do not get pension payments; retirees do.
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Native English teacher at Mister Micawber's