The CPF is now in a mess. The employees are confused with the money that goes into their account - and don't understand how much goes into each sub-account. They leave it to CPF to sort out.
They also don't know how much interest is earned on each account. It used to be 2.5% p.a. on the ordinary account and 4% for the other medisave and the special accounts. Now there is a complicated formula to calcuate the bonus. Anyway, the employees leave it to the CPF to sort out.