The fifth year is a turning point for Saudi end of service. Up to five years you earn half a month per year; after five, the rate doubles to a full month per year. That makes the difference between staying five years and ten years much larger than you might expect.
Let us put real numbers on it.
On a SAR 10,000 basic salary, five years earns five half-months — SAR 25,000 if you are terminated. Resign at exactly five years and the two-thirds band applies, paying around SAR 16,667.
Ten years adds five full months on top of the first five half-months: SAR 25,000 plus SAR 50,000, for SAR 75,000 in total. At ten years the resignation reduction disappears, so you receive the full SAR 75,000 either way.
Doubling your service from five to ten years triples your award, from SAR 25,000 to SAR 75,000, because the higher accrual rate and the removal of the resignation penalty compound together.