Who sets up a group RRSP for a small company in Calgary?
We do. RiskX is an independent, family-owned brokerage with its head office here in Calgary, and we have been building group retirement and benefits plans for Canadian businesses since 1994.
You get a named person, not a call centre. We design the plan with you, meet in person in Calgary when you want to, coordinate the setup, and review it every year. Enrolment is digital, run by the registered investment provider's team in virtual sessions; the platform administers the plan.
Book a meetingWant the how, not the who?- see how a group RRSP is set upRiskX Insurance Brokers Inc.
Head Office - Calgary1005, 930 16 Ave SW
Calgary, AB T2R 1C2
(403) 720-2281
Who you would be dealing with
- Independent and family-owned since 1994
- 300+ Canadian businesses served
- Group retirement across Canada, outside Quebec
- Licensed as an insurance brokerage in Alberta and Ontario
- Design and review meetings in person in Calgary, or virtual
RiskX sets up group RRSPs for Calgary employers. We are an independent, family-owned brokerage with our head office in Calgary, licensed in Alberta and Ontario, running group retirement and benefits for Canadian businesses since 1994. We design the plan with you and stay your named contact; enrolment is digital, run by the registered investment provider in virtual sessions, and the plan runs on a Canadian, low-fee digital platform.
RiskX Insurance Brokers Inc. is an independent, family-owned employee-benefits and group-retirement brokerage founded in 1994, licensed in Alberta and Ontario, with its head office in Calgary and a second office in Toronto.
Last updated: August 2026
The work splits three ways, and most of it is not yours.
The question owners usually mean by "who sets this up" is "how much of this lands on my desk". Here is the honest split.
RiskX
Your broker and named contact
- Plan design: match, eligibility, group RRSP or group RRSP plus DPSP
- Comparing what is on the market for a firm your size
- Coordinating the setup with you and the platform
- Walking your payroll team through the integration
- An annual review, and the governance file CAPSA's 2024 guideline expects a plan sponsor to keep
The platform
A Canadian, low-fee digital record-keeper
- Member accounts and record-keeping
- The employee app people actually use
- Statements and contribution history
You
The employer
- One meeting to tell us what you are trying to do
- A look at the plan and the numbers
- Then a yes or a no
We are not a national call centre with a Calgary phone number.
RiskX has been independent and family-owned since 1994 - 32 years - and our head office is at 1005, 930 16 Ave SW in Calgary. We have served more than 300 Canadian businesses. We set up group retirement plans for employers across Canada outside Quebec, through the registered investment provider. RiskX Insurance Brokers Inc. is licensed as an insurance brokerage in Alberta and Ontario.
Practically, that means we can sit in your boardroom for the design conversation, and the person who designed your plan is the person who picks up the phone a year later. If virtual suits you better, that works too. Enrolment itself is digital, run by the registered investment provider as virtual sessions for your team.
2
offices: Calgary head office, plus a Toronto office
1994
independent and family-owned since 1994
300+
Canadian businesses served
12
jurisdictions: nine provinces and three territories where we set up group retirement plans
What a Calgary employer usually wants to know next.
What does it cost?
The employer match is the cost, and you set it. A plan can start at a 1% match and grow when the budget allows, and you decide who becomes eligible and whether different employee classes get different terms. There is no Calgary-specific surcharge; Alberta also has no employer health or payroll tax comparable to Ontario's.
Run the numbers on the matching-cost calculator →How long does it take?
For a Calgary firm of 20 to 200 people, the average timeline is 8 to 10 weeks from the first call to launch, and larger plans take longer. The variables are your payroll integration, how quickly the plan decisions get made, and enrolment - not the size of your company.
See the three-step setup process →What Calgary employers ask us first.
Who can set up a group RRSP for a small company in Calgary?
RiskX can. We are an independent, family-owned brokerage with our head office in Calgary, licensed in Alberta and Ontario, and we have been designing group retirement and benefits plans for Canadian businesses since 1994. We handle the design, the comparison, coordinating the setup and the annual review; enrolment is digital, run by the registered investment provider in virtual sessions, and the plan runs on a Canadian, low-fee digital platform.
Do you meet in person?
Yes, for the design and review conversations; our head office is at 1005, 930 16 Ave SW in Calgary. Enrolment itself is digital, run by the registered investment provider as virtual sessions for your team.
Are you licensed in Alberta?
Yes. RiskX is licensed as an insurance brokerage in Alberta and Ontario, and we work with employers across Canada outside Quebec on group retirement plans through the registered investment provider. Quebec is not covered yet, and we expect that to change. Ask us what applies in your province.
How long does setup take for a Calgary firm?
The average is 8 to 10 weeks for a Calgary firm of 20 to 200 people, from the first call to launch, and larger plans take longer. Timing depends on payroll integration, how quickly plan decisions are made, and enrolment.
What does it cost a 50-person company?
The employer match is the main cost, and you control it. You choose the match percentage, who is eligible, and whether the employer contribution goes into the group RRSP or through a DPSP with vesting. The group retirement page has a matching-cost calculator you can run for your own headcount, salaries and match.
Can we start with a small match and grow it?
Yes. A plan can start at a 1% employer match and scale from there when the budget allows, and the design can reward longer-tenured employees more if that is what you want.
Do you also handle group benefits for Calgary companies?
Yes. RiskX is a full-service employee benefits brokerage as well as a group retirement one, so health and dental can sit alongside the retirement plan. Most Calgary employers who come to us for a group RRSP start there and add the rest later.
Prepared by RiskX
Reviewed by Jarod Smith, CEO, RiskX Insurance Brokers Inc. Updated August 18, 2026.
Sources
RiskX firm details (independent since 1994, Calgary head office, 300+ Canadian businesses, licensed in Alberta and Ontario) are first-party. CAPSA Guideline No. 3 (effective September 9, 2024) sets out what plan sponsors are expected to do on governance and fee review; it is guidance, not legislation. Information here is general and not individualized advice.
A meeting, in our office or yours, can help you decide whether this is worth doing.
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