Without Kraft there would be no football this year so I think that far outweights the Ref issue
As for the Ref debate
The Refs do a unique job that is much harder that we all think for a multi billion dollar industry, so they should get paid well to do so (hence they should get paid slightly more). However, they are currently being paid more then any other sports umps/refs a on per game and time basis so how much more is up for debate.
I don't agree with pension systems now a days, esp public employee pension systems, because life expectance is longer then when pensions were first drawn up and with the amount of ways to commit pension fruad who can blame a private industry for not wanting to spend extra on pension systems, esp on part time employees. 401k's seem perfectly fine to me, just as long as you're not an idiot and invest all your funds into high risk ventures there should be no reason to believe even a market crash will bankrupt you (even in this last great recession/depression though my 401k return dipped I never lost money just didn't get as much of a return as expected). But, there is a cut off where you need to grandfather in officials that have spent a long time in the league. I'd say 10+ years they should have keep the pensions but anything less you get pushed into a 401k
The other sticking point of holding refs accountable by having backup teams in place I think was a wise and smart idea. I never understood why that wasn't in place to begin with. It allows time for new refs to adjust to a higher level of play before being tossed into the fire so it's more of a smooth transition between aging/retiring refs and the newer refs coming in