I think that the question you've asked oversimplifies things. Yes, money is retained in companies to fund retirement. It's also retained in capital-intensive companies for expansion, for downturns, etc.
As I said earlier in my opening comments, there are some types of corporations that don't need to accumulate as much reserve. Professional corporations, for example, which I thought were the target of the government's election platform—and many of my colleagues will not be happy with me saying this—do not need the same kind of capital retention that normal family businesses do. There are ways to address that much more simply than through what's been proposed in what we're told is the consultation stage. This is not like any consultation stage I've ever seen in my career.