I mentioned already that in the broader public sector plans you'll typically find that the contribution rates are over 20%. Most Canadians who save in RRSPs or in defined contribution pension plans can only save 18%. Those limits are quite low. There is concern about the income distribution effects of raising those rates, but if you look at the public sector plans, they are saving more and I don't see why we wouldn't allow Canadians in general to do that.
There is an idea that is worth considering, that we would think in terms of a lifetime limit, so that a person who might have been low income but then succeeds later in life, or an immigrant who hasn't built up the savings room in an RRSP, for example, would be able to set something aside at a greater rate than what we now allow.
The other area I would recommend looking at is after people retire and start drawing down their savings. We have RRIF rules that oblige people to draw their savings down quite quickly. People in defined benefit plans don't worry about that because their annuity is supposed to cover them until they die, but for a person who's in a defined contribution plan or drawing out of an RRSP, those mandatory withdrawals mean that they're quite likely to run out of savings before you die, especially if the person is a woman, because women live longer.
I would look at both the amount people can save before they start drawing down and the rules that govern their drawing down once they are in retirement. If you're in a defined benefit plan, the federal government's defined benefit plan, these aren't concerns for you, but if you're a Canadian who's saving in an RRSP or a defined contribution pension plan, those are big issues.