With regard to your question in terms of what government can do, although capping fees is really the last in the list of alternatives, it still is there. Assuming the legislation passes and you've got PRPPs and the costs start to rise, that will obviously be a disincentive for people to participate in it. It may be a tool that the government needs to use by regulation, and define what “low cost” means in the legislation.
Obviously the first goal is to let the market work itself out, but it certainly is a weapon the government has to protect the strength of the PRPP legislation.