Everyone has to do their own studying on complicated issues like pensions and 401(k)s, etc. etc. The same people who don’t know what to think are the same people who are may end up with no retirement at all. Obviously the union tries to give everyone the opportunity to have a dignified retirement, but there is no guarantees so you better be doing your own research and investing as well.
And I only say that because the previous decade or so, I sat in many meetings, looking at the faces of retirees, or soon to be retirees, who did not plan for something terrible to happen to their pension. Never want to have to do that again.