I read the article again and I think you're right.
I think there's some linguistic confusion here. The Dutch word pensioen regularly gets translated into 'retirement account', or somesuch. Whereas, and as you state, there are specific varieties of these in both the NL and USA.
As an American who speaks Dutch and worked in the NL for a long time, I regularly played this language game when talking about retirement. Unfortunately TFA wasn't really clear to me WRT to these distinctions. It could have been more explicit.
I think there's some linguistic confusion here. The Dutch word pensioen regularly gets translated into 'retirement account', or somesuch. Whereas, and as you state, there are specific varieties of these in both the NL and USA.
As an American who speaks Dutch and worked in the NL for a long time, I regularly played this language game when talking about retirement. Unfortunately TFA wasn't really clear to me WRT to these distinctions. It could have been more explicit.