Employers would likely, by employee demand in the second or third scenario, require greater pay, if each employee is on their own in terms of retirement funding and/or health insurance. Corporations, on the other hand can contract employee health care, for their works, for less money they'd have to pay works for them to act as single individuals/families. At least at this point, in what some call, "The Great Resignation". But that is not about the Company doing the right thing;