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No it means the money for my pension is added to my salary. Same goes for ehh... "Holiday money". Normally the company saves a small part of your salary to pay out once a year. Usually end May i believe.
So in my case, my monthly income is much higher, but it means i have to save it myself. Same goes for my pension. Instead of my employer paying the pension funds, i have to do it myself.
Ha I mean, that situation is indistinguishable from one where you don't get a pension and your salary is the same, but sure :P
You do miss out on the tax benefits that employer-provided pensions give you, but in many cases that's a fine trade-off.
Still, the actual point I wanted to make (but didn't) stands: most of us can't really switch our pension funds, which is a bit of a shame, because it means we can't "vote with our wallet" for a pretty significant chunk of our wallet :( If my pension fund decides to invest in cluster bombs, I'm investing in cluster bombs...
Thats exactly why i dont have employer based pension funds. Because i prefer not to invest in bombs, but maybe my collegue wants to.
Its the first time i work for a company that works this way so its all new and exciting still :)