I think there's a distinction to be made between the RRSP and the management of, especially, mutual funds, which are at much higher cost in Canada than they are in the United States. The charges in Canada are, to me, offensively high. The Canada Pension Plan has a relatively low management charge, and it has done very well.
I'm not a financial accountant, so I cannot go into it, but I do have concerns that these significant discrepancies of management fees between Canadian mutual funds and American mutual funds are offensive. If there was some way of tackling that, it would be wonderful.
People are turning to exchange-traded funds, but whether that's a good solution, I do not know. That's not my area of expertise.