Hire better people. Keep them longer. Grow because of it.
Employee benefits and group retirement for Canadian businesses
RiskX designs and runs one complete benefits package — group retirement, flexible health & dental, and virtual care — so Canadian businesses hire better, keep people longer, and stop overpaying for plans nobody values.
- 32 years in employee benefits
- 1,000+ businesses in the pool
- Official Common Wealth advisor
- Serving businesses across Canada
RiskX designs and runs a complete Canadian employee-benefits package — group retirement, pooled health and dental, and round-the-clock virtual care — so employers attract better people, keep them longer, and stop overpaying for plans nobody uses. We are an independent brokerage, founded in 1994, serving more than 300 Canadian businesses across the country.
RiskX is a Canadian independent employee-benefits and group-retirement brokerage with offices in Calgary and Toronto, serving employers in every province.
Last updated: June 2026
Every year your health & dental costs climb — and the parts that keep people go missing or unused.
7.5% of payroll — and rising.
You switched carriers chasing a better rate, then watched it spike again 18 months later.
Only 1 in 5 businesses offers a retirement plan.
Yet it's the #1 tool for attracting and keeping good people.
Bundled in “for free,” then never explained.
Virtual care, mental health, EAPs — a benefit nobody knows they have keeps no one.
"You're paying more every year — for benefits that aren't actually helping you keep your people."
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.
Most companies buy benefits one piece at a time. We design the whole package — around the people you want to keep.
Start with what matters most to your business today. We'll build the rest around it.
Flexible Benefits
Coming soonLet every employee build their own health & dental plan around their actual life,
so they finally value what you're paying for.
It all comes back to one thing: keeping your best people.
Replacing an employee costs 20–100% of their salary. 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
$162,000/yr
Potential savings
$54,000/yr
Bring turnover from 18% to 12% 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.
Most brokers sell you a plan and disappear until renewal. We design the whole thing — and stick around to run it.
We're not a price-seller dropping off a quote. We design your package around your team — then make sure it actually gets used.
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 Common Wealth 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.
And because we're a family-owned business, we disclose our commission in writing every year — most brokers won't.
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 20–100% of their salary
- A tax-smart, high-return way to invest in your team
- Win talent against bigger competitors
Predictable, controllable cost — no surprises.
- Pooled health & dental that climbs ~3% a year — vs. a 7.5% market average
- 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.
Do we have to switch everything at once?
No. Start with one piece — retirement, flexible benefits, the pool, 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?
Canadian brokerage serving businesses across the country, getting licensed in 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