The RiskX blog
Practical reading for
Canadian employers
Start with group retirement: fees, employee participation and decisions about the plan you already have. Explore our benefits and business-owner articles too.
A useful place to start
How 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, 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, 2026Employee participationThe match you offer and the match your people actually take
Distinguish eligibility, enrolment, contributions and full-match use. Use clear definitions and optional employee feedback to understand your group retirement plan.
Updated September 28, 2026Explore all articles
Showing all 12 articles
Is there a better time of year to switch group RRSP providers?
There is no perfect month, but there are busy ones. Plan a group RRSP provider switch around RRSP deadline season, year-end payroll and your DPSP year.
October 8, 2026More readingBulk transfer or individual T2033s: how your employees' money actually moves
When a group RRSP changes providers, balances move as one plan-level transfer or account by account. What each route asks of HR and employees, and what to confirm.
October 8, 2026More readingWhat to tell employees when you change group RRSP providers (with a sample note)
When to tell employees about a group RRSP provider change, what they will ask, three messages to send, and a sample note to fill in with confirmed facts only.
October 8, 2026More readingOur provider's service has slipped. What are our options before we switch?
Before you move a group RRSP over service problems, name what slipped and who owns it. Options from raising it with the provider to changing the advisor or switching.
October 8, 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, 2026Review an existing planDoes switching group RRSP providers disrupt payroll or your employees' investments?
A provider switch needs clear payroll responsibilities and an honest explanation for employees. What to confirm about contributions, plan terms and investments before the change.
September 23, 2026Plan basicsWhat are the disadvantages of a group RRSP?
The honest employer list: taxable matching, no vesting, withdrawals, RRSP room, hidden fees and governance, and the plan design that answers each one.
September 3, 2026Plan basicsThe other employer in every Ottawa hiring conversation is the Government of Canada
Ottawa companies rarely lose their best people to a rival down the street. They lose them to a federal posting. What a private employer can field against a defined benefit pension, and how to know it is working.
August 28, 2026Employee participationThe match you offer and the match your people actually take
Distinguish eligibility, enrolment, contributions and full-match use. Use clear definitions and optional employee feedback to understand your group retirement plan.
Updated September 28, 2026Employee participation83 percent of owners think their people would rather have the cash. Most of their people disagree.
Most owners assume a raise beats a retirement plan. The 2024 HOOPP survey says their people disagree. What a match plus vesting does that cash cannot.
Updated October 8, 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, 2026Plan basicsFour out of five Canadian small businesses don't offer a retirement plan. Here's what it costs them.
Only about 19 percent of Canadian small businesses offer a workplace retirement plan, and the cost of skipping one doesn't show up on an invoice. It shows up as turnover. Here's the retention math, how a group plan actually works, and why most brokers never bring it up.
July 2, 2026