Multi-employer translates into union, a fact disguised by this “writer.”
From my time being forced to work in a unions shop apparently I have a pension. They send statements telling me how well it is funded, etc. From my knowledge of the industry, how many companies are paying into the pension (hint: many have gone under in the last 5 years), etc. I have made the decision to assume the pension will not pay out what they claim it will when I retire.