I've live in France and in Quebec for a good portion of my life. Couldn't the "plan pension" be a contraction like "plan cul"? I agree that "plan retraite" wo

I've live in France and in Quebec for a good portion of my life. Couldn't the "plan pension" be a contraction like "plan cul"? I agree that "plan retraite" would sound more French and "plan pension" would sound more North American French but it doesn't sound like an anglicism to me and the rest of the tone is clearly not North American French to me.