There's one statistic that shouldn't be overlooked: 52% of workers in Quebec don't have an employer pension plan. Some of them may be able to put money into an RRSP or a TFSA to create their own pension plan, but 52% is a lot. Not everyone works for the Quebec or federal government. Not everyone works for a school board or in the health and social services system, where you can join a good government pension plan.
In my board meetings, I often remind directors that we can't just consider people who have an employer or government pension plan. We also have to think of the 52% of workers who don't have a pension.