My dear colleague, basically your point of view is acceptable insofar as previously you recognized that, first, the employer exclusively decided on the administrator and that, second, that employer could receive inducements from an administrator without it necessarily being to the advantage of the contributors. So, with respect to those two points, these contributors find themselves facing fault: there would be fault on the employer's part for choosing a bad administrator. The contributors would have lost their money. There would be causality, which must be proven legally. A judge will not accept a fishing expedition, that an employer is being sued just because you want to. There has to be an element of proof.
In this case, we're saying that, even if these three things are established, these people are going to come up against a clause that exonerates liability. That's what I have a problem with.