Its downfall may help those in retirement (5)
I believe the answer is:
eider
'retirement' is the definition.
Although both the answer and definition are singular nouns, I don't see how one could define the other.
I can't explain the remainder of the clue.
Can you help me to learn more?
(Other definitions for eider that I've seen before include "Type of duck" , "Duck supplying down" , "Duck valued for its fine soft down" , "Duck with soft feathers" , "Source of fine soft down" .)