A study on couples' retirement transitions found that women who took new jobs after retiring from their primary careers reported high marital satisfaction, more than when retiring completely.
more than when retiring
more than if they were to retire
more so than those who retired
which was more so than those retiring
which was more than if they had retired
if it's not a specific NOUN that can be replaced by a PRONOUN (usually "it"), then use the all-purpose replacement "...so".
perhaps the most common usage in which you'll see this is "do it" vs. "do so":
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