Know what you are paying
RiskX explains plan costs and discloses its compensation in writing, before you sign and at annual review.
Holistic total rewards · Led by group retirement
Group retirement for Canadian employers.
RiskX coordinates group RRSP and DPSP plans, with flexible benefits and virtual care to complete your package.
Book a 10-minute call
- 32 years in employee benefits
- 300+ Canadian businesses served
- Written fees and compensation disclosure
- Group retirement across Canada outside Quebec
RiskX is an independent, family-owned Canadian brokerage, founded in 1994. We coordinate group retirement setup, employee education and reviews for employers across Canada outside Quebec. Your team supplies payroll information, approves decisions and retains plan oversight. Health and dental insurance is available in Alberta and Ontario.
The way Canadian companies pay their people has a gap, a leak, and a blind spot.
The gap
1 in 5
Canadian businesses with 5–499 employees offer a workplace retirement plan, approximately.C.D. Howe coverage study
A workplace retirement plan gives employees a way to save through payroll, with an employer match if you offer one.
The leak
Fees
Review the total cost of your retirement plan.
Taken quietly from employees' accounts, compounding against them for decades. Fees are not set in stone.
With RiskXWritten fee review
The blind spot
Invisible
Employees may not see the full value of what you provide beyond salary.
Clear communication can help employees understand their package. Start by showing people what is already available to them.
A total rewards statement shows employees the employer contributions, coverage and services available alongside salary.
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 coordinate it with you
We coordinate setup, employee communication and ongoing reviews.
Start with group retirement.
A workplace retirement plan gives employees a way to save through payroll, with an employer contribution if offered. It is a practical place to start when reviewing your compensation package.
Plan fees affect employees' retirement savings. RiskX helps you compare the total cost, including fund expenses and applicable tax, alongside service and governance. Start with a written review of your current plan before deciding whether to reprice or move.
1 in 5
Canadian businesses with 5–499 employees offer a workplace retirement plan, approximately, according to C.D. Howe's coverage estimate.
6.3%
of earnings: the estimated average value private-sector workers place on pension coverage in Dostie and Morris's study of Canadian pension and tax data (2001–2020). This is not a universal salary cut or a RiskX group RRSP outcome.
Review
fees, fund expenses and applicable tax together, using written schedules and proposals on the same basis.
Sources: C.D. Howe Institute coverage study (2026); Dostie and Morris, Canadian pension and tax data study (2025). Compare actual fees using written plan schedules.
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.
We help coordinate your total rewards, communicate the package and review it with you.
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.
We disclose our commission in writing every year, so you can review our compensation alongside the service we provide.
What it adds up to
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.
Number of employees75
Average salary$70,000
Current turnover rate13%
Cost to replace an employee75% of salary
Turnover scenario (assumption)10%
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. Compare that hypothetical saving with the actual cost of your plan.
Illustrative only. Based on your inputs; the turnover scenario is an assumption, not a predicted plan outcome.
Three steps to a benefits package your team will value.
01
Book a 10-minute call.
Tell us about your team; we'll tell you honestly what fits.
02
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.
03
We coordinate the next steps.
RiskX coordinates setup, employee education and reviews. Your team supplies payroll information, approves decisions and retains plan oversight.
Whatever your role, the package works for you.
For owners & founders
Attract and keep the people who grow your business.
- Explore how retirement saving could support your retention strategy
- Choose employer contributions that fit your budget
- Explain your retirement plan to prospective employees
For finance
Review the costs before making a decision.
- Compare total fees, service and governance together
- Group RRSP and DPSP contributions have different payroll treatment
- Every option benchmarked, with commission disclosed in writing
For HR & people leaders
Clear communication and payroll responsibilities.
- We coordinate setup, enrolment and employee education
- Tools to promote benefits internally + a recruitment playbook
- Your team supplies payroll inputs, approves decisions and retains oversight
The group RRSP match is pensionable in both forms, up to the year's CPP maximums. EI depends on the withdrawal rules. Employer DPSP contributions are not a taxable benefit and carry no CPP or EI. Read the payroll treatment and CRA sources. Confirm your payroll treatment with your accountant.
What working with RiskX includes.
Give employees clear information
We coordinate enrolment and education, with booklets and communication that explain the plan and where to get help.
Keep a review record
Review fees, service and participation with a named RiskX contact. The employer retains responsibility for overseeing its retirement plan.
Picture your business a year from now.
A retirement plan your team understands. Clear contributions, accessible education and a documented review of fees and service. These are practical steps that can support your hiring and retention goals; outcomes depend on your workplace and plan.
Common questions
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 plans 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?
RiskX discloses its compensation in writing before you sign and at annual review.
What size company is this for?
Built for Canadian employers with 20 to 1,000+ employees.
Where do you operate?
Group retirement serves employers across Canada outside Quebec. RiskX is licensed for health and dental insurance in Alberta and Ontario.
Is it a lot of admin?
RiskX coordinates setup, employee education and reviews. Your team supplies payroll information, approves decisions and retains plan oversight. Confirm the administration and transfer responsibilities for your selected plan.
Last updated: . Source links accompany the research figures above.
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