Group RRSP & Pension Plans

A strong retirement program is one of the most valued benefits you can offer your team. RBIA helps employers across Ontario implement Group RRSP and other workplace retirement plans that encourage employees to save for the future - while giving your business a competitive edge in recruiting and retention.

Why Offer a Group Retirement Plan?

A thoughtful group retirement program can:

• Help employees build long-term financial security

• Differentiate your compensation package in a competitive labour market

• Encourage loyalty and reduce turnover

• Support financial wellness and reduce money-related stress at work

We help you evaluate whether a Group RRSP, pension, or a combination of solutions is right for your organization.

Plan Types We Work With

Depending on your goals and size, we can help design and implement:

• Group RRSP plans: Flexible retirement savings vehicles where employees and employers can contribute, often via payroll deduction.

• Deferred Profit Sharing Plans (DPSP): Employer-funded plans that share business success with your team in a tax-efficient way.

• Defined contribution pension-style arrangements: Structured contributions toward employees’ future retirement income.

We’ll walk you through the pros and cons of each structure and help you choose the combination that fits your budget, philosophy, and workforce.

Our Role as Your Group Retirement Partner

As independent advisors, we support you at every stage of your group retirement program:

• Plan design tailored to your objectives, budget, and workforce

• Carrier selection, comparing investment options, fees, and services

• Implementation and employee onboarding

• Ongoing plan governance support and periodic review

We aim to keep your program simple to administer, transparent on costs, and aligned with best practices.

Supporting Your Employees’ Retirement Readiness

A group plan is only valuable if employees understand and use it. We help by:

• Providing clear, jargon-free explanations of how the plan works

• Offering education sessions on retirement savings, investing basics, and contribution strategies

• Encouraging employees to take advantage of matching or employer contributions

• Highlighting the impact of starting early and staying invested

Our goal is to help your team feel confident they’re on track - and appreciate the value of the benefit you provide.

Integrating with Your Total Rewards Strategy

Your retirement program doesn’t exist in isolation. We ensure it fits with:

• Your group benefits plan

• Your compensation and bonus structure

• Your broader talent and retention strategy

By coordinating benefits and retirement programs, you can provide a compelling, easy-to-understand total rewards package without overcomplicating administration.