If she can work until age 60, she should be fine.

$400k should yield 5% = $20,000 per year +
CPP at age 60 = $600+ per month or $7,200 per year +
Age 60 = $13,000 per year from two work pension plans.

That's just enough at age 60.

OAS will kick in at age 65 for extra inflation buffer.

Pretty good debt-free retirement.