Turn what you pay your people into the reason they stay
Hire better people. Keep them longer. Grow because of it.
RiskX is the total rewards brokerage for growing Canadian businesses - led by group retirement, completed by flexible health & dental and virtual care, and run so your people actually use it.
- 32 years in employee benefits
- 300+ Canadian businesses served
- Retirement plans with total fees under 1%
- Serving businesses across Canada
Total rewards statement
Example- Group RRSP match$3,600
- Health & dental$2,900
- Wellness account$600
- Virtual care + EAP$450
The number most employees have never seen. We make sure yours do.
Group RRSP started
Total fees under 1%
RiskX is a Canadian total rewards brokerage, led by group retirement. We design and run the whole package - group retirement plans with total fees under 1%, flexible health and dental, and round-the-clock virtual care - then stay to make sure employees actually use it. Independent and family-owned, founded in 1994, serving more than 300 Canadian businesses across the country.
RiskX is a Canadian independent group-retirement and employee-benefits brokerage with offices in Calgary and Toronto, serving employers in every province.
Last updated: August 2026
The way Canadian companies pay their people has a gap, a leak, and a blind spot.
1 in 5
Canadian businesses offer a retirement plan.
The benefit your people value most is missing at four out of five companies - and it's the #1 tool for attracting and keeping them.
1.9%
a year in fees on many group retirement plans.
Taken quietly from employees' accounts, compounding against them for decades. Fees are not set in stone.
Invisible
Most employees can't name what you invest in them beyond salary.
If nobody can see the number, it earns no loyalty. It's also the easiest of the three to fix - show people what's already theirs.
"Everything you spend on your people is capital - it only comes back when they see it, use it, and stay for it."
We've sat across from hundreds of Canadian businesses in exactly your position.
Owners who've tried everything. HR leaders who dread renewal season. Finance leads absorbing increases they can't control.
We're not here to tell you your broker is bad - the system was built to keep you cycling through temporary fixes, not to solve it.
- Father-and-son brokerage - Gordon & Jarod
- 32 years in Canadian employee benefits
- Backed by a dedicated team of advisors and support staff
- We don't just design it - we run it for you
We don't sell you a plan. We partner with you.
Where most partnerships start: group retirement.
A retirement plan is the one benefit Canadians will trade real salary to get. We think it's the biggest gap in Canadian compensation - and it's where RiskX goes all in.
Most plans sold to small and mid-size employers cost employees close to 2% a year in fees, taken quietly out of their accounts. RiskX places plans where the total fee - everything included - is under 1%. That difference is the biggest raise you can give your team without touching payroll.
Canadian businesses offer a retirement plan. The other four are competing for people without the benefit they value most.
of salary - what Canadian workers actually give up to work somewhere with a pension. Not what they say; what they do.
the total fee - everything included - on the plans RiskX places. Many Canadian plans charge close to 2%.
Sources: C.D. Howe Institute; Statistics Canada earnings data (Dostie & Morris, 2026); published Canadian group plan rates.
Retirement leads. The rest of the package is built around the people you want to keep.
Most companies buy benefits one piece at a time. We design the whole thing - and you can start wherever matters most today.
Most brokers sell you a plan and disappear until renewal. We design your total rewards - and stick around to run them.
We're not a price-seller dropping off a quote. Total rewards is everything you invest in your people beyond salary - and our job is making sure they see it, use it, and stay for it.
Custom benefits booklets
Clear booklets for in-office and remote employees, so everyone knows what they have and gets full value from it.
HR promotion toolkit
We help your HR team promote benefits internally with ready-to-use email templates, bulletin content, and awareness campaigns - so nothing sits unused.
One-on-one retirement sessions
For group retirement plans, your employees get personal 1-on-1 sessions with a retirement specialist - so they understand their plan and actually use it.
Recruitment playbook
We show you how our clients feature their benefits in Indeed ads and recruiting to attract higher-quality candidates.
Total rewards statement
A one-page report for every employee: everything the company invests in them beyond salary, and a thank-you for the year. Most employees have never seen their real number.
And because we're a family-owned business, we disclose our commission in writing every year - most brokers won't.
It all comes back to one thing: keeping your best people.
Replacing an employee costs 50–200% of their salary - the high end when it's a leader. A benefits package built to retain - retirement people watch grow, health coverage they actually value, care that keeps them healthy - can pay for itself by keeping the people you'd otherwise lose. Even a small drop in turnover changes the math.
Your turnover is costing you about
$511,875/yr
Potential savings
$118,125/yr
Bring turnover from 13% to 10% and you'd save by keeping more of the people you'd otherwise lose - often enough to offset much of the plan's cost.
Illustrative only. Based on your inputs and Canadian averages.
Three steps to a benefits package your team will value.
Book a 10-minute call.
Tell us about your team; we'll tell you honestly what fits.
We design the right starting point.
The best entry for your business - retirement, benefits, or virtual care - built around your people, not a generic quote.
We handle the rest.
Setup, enrollment, education, and ongoing reviews. You get the credit.
Whatever your role, the package works for you.
Attract and keep the people who grow your business.
- Cut turnover costs - replacing an employee runs 50–200% of their salary
- A tax-smart, high-return way to invest in your team
- Win talent against bigger competitors
Predictable, controllable cost - no surprises.
- Total fees under 1% on the group retirement plans we place
- Retirement contributions are tax-deductible and exempt from CPP/EI
- Every option benchmarked, with commission disclosed in writing
Benefits your team actually uses - minutes per payroll to run.
- We handle setup, enrollment, and education
- Tools to promote benefits internally + a recruitment playbook
- Higher participation, far less admin on your desk
Don't take our word for it.
"After our first renewal with RiskX, our rates went up exactly what Gordon said they would. I told him - now I know you weren't full of it. I'd been promised things by brokers before and it never matched reality. This did."
Office Manager · Auto Shop · London, Ontario
"We were with the same benefits administrator for years. We didn't think there was anything better out there. RiskX showed us a product our previous broker never even mentioned. Our employees love the flexibility. We haven't looked back."
HR Manager · Engineering Company · Toronto, Ontario
"The renewal meeting two years in was exactly what Gordon described - a coffee visit. No anxiety, no surprises. Just a quick check-in and we moved on. That alone was worth the switch."
CFO · Oil & Gas Company · Calgary, Alberta
Picture your business a year from now.
Lower turnover. A team confident about their future. New hires choosing you over the company down the road. Benefits you stopped dreading - because someone finally designed them to work. Better people, kept longer, a stronger business. That's what a great package does.
Quick answers to what owners ask us most.
Are you a broker or an insurance company?
Independent brokerage - we work for you, not a carrier.
You lead with group retirement - do you still do health & dental?
Yes. Group retirement is where most partnerships start; health & dental is where they grow - flexible plans, virtual care, and mental health support. We design it as one package rather than chasing quotes.
Do we have to switch everything at once?
No. Start with one piece - retirement, flexible benefits, or virtual care - and build the package over time as it makes sense.
How are you paid?
Commission, disclosed in writing every year. No mandate requires it; we do it anyway.
What size company is this for?
Built for growing Canadian businesses - typically 20–300 employees.
Where do you operate?
Group retirement we can place anywhere in Canada, today. Other benefits are licensed province by province, and we add new provinces fast as clients come on.
Is it a lot of admin?
Minutes per payroll. We handle setup, enrollment, and ongoing administration - including the heavy lifting on any transfer.
Ready to build a benefits package your team will actually value?
It's a 10-minute call. No commitment, no paperwork. Just an honest conversation about what fits your business.
Book a 10-minute call