Canada“We set it up years ago. Nobody's really looked at it since.”
A free review shows what the plan costs your employees, what help they get, and whether it still fits.
Existing group retirement
Group retirement for Canadian employers.
Already have a group RRSP or DPSP? Understand what's working, what support your people receive, and which changes are worth considering.
Family-owned. Canadian. Since 1994.
RiskX has worked with Canadian employers since 1994. Gordon and Jarod lead a brokerage that coordinates plans, explains the details, and discloses compensation in writing.
Meet the people behind RiskXSince 1994Family-owned Canadian brokerage
CanadaGroup Retirement across Canada, outside QuebecComing to Quebec in 2027
WrittenFees and compensation disclosure
Does this sound like your plan?
If one of these sounds familiar, a review is a good place to start.
“I don't know what our employees pay in fees.”
Plan fees come out of employee accounts, so they don't show up anywhere you'd normally look. A review puts them in dollars.
“Our people take the match, but they don't really get the plan.”
We help employees understand the plan they have, starting with why it's there and what the match is worth to them. Every employee gets a booklet in your company's name.
“Our advisor retired, or we don't hear from them much.”
Changing who advises your plan doesn't have to mean changing your provider.
How a free review works
Send us your fee page.
The page or statement that shows your plan's fees is enough. That's usually your provider's fee disclosure or a recent member statement. No employee records, no payroll files.
Email it to gordon@riskx.ca.
Can't find it? Whoever handles payroll deductions can usually get it, or call us and we'll help.
We write it up in dollars.
What your employees pay today, what support they get, and what would be worth changing, if anything.
You decide.
Keep it, reprice it with your current provider, or change something. If your plan is priced well, we'll tell you.
The review costs your company nothing. RiskX is paid by the plan's provider, out of the plan's fees, and we tell you what we'd be paid before you agree to anything.
The family behind RiskX. Meet Gordon and Jarod.
Help your people understand the plan.
A plan only does its job when employees understand why it's there and what the match is worth to them.
Plan member education, built in. We help employees understand the plan they already have, starting with why it exists and what the match is worth, in plain words.
A booklet for every employee. In your company's name, designed with your HR team, at no charge to your company.
People you can reach. Gordon and Jarod Smith lead RiskX, and you'll talk with one of them about your review. You can reach the team with plan questions, and the support is agreed with you up front.
A yearly review. We review the plans we work on every year.
What a fee difference is worth
About $80,000 a year
On a plan holding $8 million, for each percentage point of fees, taken from employee accounts. On a $2 million plan, it's about $20,000.
About $104,000 less by 65
For one employee saving $500 a month from age 30, at about 2% a year instead of about 1%.
Illustrations only, not a forecast or a quote. The first is simple arithmetic: 1% of the plan's assets. The second assumes 6% a year before fees from age 30 to 65, giving about $554,000 at 1% against about $450,000 at 2%.
Your plan may already be priced well. A review tells you whether it is.
Questions employers ask first
What if our plan is fine?
Then we'll tell you. A review can confirm the plan you have is working.
Do we have to switch providers?
No. A plan can stay with its provider. Some employers reprice, and some change only who advises the plan.
Find out where your plan stands.
One conversation, free to your company. You decide what happens next.
From the blog: more on the plan you already have
Short articles on fees, employee participation and reviewing an existing group RRSP.
Employee participation
Browse all articles Your employees take the match. Do they understand the plan?
Help employees understand the group retirement plan they already use: explain the match in dollars, check statements and make reliable help easy to find.
October 14, 2026Review an existing planYour group retirement plan has a fee. Do you know what it is?
Gather the documents needed to compare group retirement fees and support on the same basis, understand who pays each cost, and decide what to review next.
Updated October 10, 2026Review an existing planHow do you decide whether to keep, reprice or move your group RRSP?
Compare the fee gap in dollars on the same basis, the service and transition terms, and the current provider's written response. Keep the decision summary with its supporting evidence.
September 30, 2026RiskX in brief
RiskX is a family-owned Canadian brokerage founded in 1994. For an employer that already has a group RRSP or DPSP, RiskX helps make the current plan understandable: what people receive, what support is available, and which changes are worth considering. A review can confirm that the existing arrangement still fits. It does not assume the provider will change. The employer keeps plan decisions and oversight. Group retirement is coordinated for employers across Canada outside Quebec.