A bigger reason is that your 401K, if invested in a sound fund like Vanguard, will get a much higher rate of return than government pensions, which have to comply with mandates like "have a woman/minority owned fund manager" and "divest in all politically incorrect companies".
I have worked for well over a dozen companies. All of them had a 401k except for the first that offered a pension.
I got nothing from the first job but every job since has paid into my retirement. When I leave I roll it into my IRA. If they go out of business, get bought out who cares? My part is safe.