This article isn't really about under-contribution. It's about corruption. If your response to an article about corruption is to change the subject, then it's unlikely that we'll see improvements.
The corruption is appalling but also easy to fix. The threat to people's retirement is not happening because of the corruption though - if this was a fully funded scheme and the board was taking kick-backs to steer business from one fund to another one it would still be appalling but it wouldn't risk tens of thousands of people spending their old age in dire poverty.
