My question for you though is, is it much less? Americans have to save way more money for retirement than Canadians. I bet your fully loaded costs are close.
I believe the last time we ran the numbers it wasn't that drastic. The mandatory retirement saving in Canada (Canada Pension Plan) is quite bad, can't really be maxed out beyond a very low benefit, and is almost criminal for your beneficiaries if you die before retirement. It is certainly than nothing, but definitely not better than taking the same money and placing it in a tax sheltered index fund.