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"Ok, here is how I do all of the damage that I do on a charge
Weapon damage (1d8) + Smite damage (paladin levels, right now +10) + 1 (magic bonus) +1 (cold stone crystal thing that I bought) +3 (charisma bonus due to divine might feat which sacrifices a turn undead to add charisma modifier to damage) + 3 (magic bonus because of waist vestments) + strength (normally +6 because I wield my lance in two hands and I turn on bull's strength before what looks like any major combat [+4 to strength bringing me to 18 total, +4 modifier x 1.5 because of two hands =6]) + Divine vestment's throat piece (adds paladin levels again, +10) + power attack (I can sacrifice up to 10 and it is doubled because I am wielding it two handed) = maximum (full power attack) of 54+1d8 all x 5 (lance with spirited charge feat + use of lvl 1 swift spell "rhino's rush") + 1d6 (vestments)"
He's a 1 trick pony on a horse, what's the problem? Remember there are usually 4 encounters per day, if he gets to rest after every encounter then that's the fault of the DM. Also, his horse is an easyish target, sunder the lance, put up obstacles to keep him from charging (like wall of fire, ice, force, gloom, or stone), his horse is very susceptible to enchantments, his horse can be tripped very easily, he can't help the horse if the horse gets grappled, etc...