Know what you are paying
RiskX explains plan costs and discloses its compensation in writing, before you sign and at annual review.
Group benefits costs keep rising and nobody has a real answer. We do.
RiskX gives eligible Canadian businesses access to a large group benefits pool. Based on our renewal records, participating RiskX clients have averaged approximately 3.2% renewal increases over the last four years.
Offered by RiskX since 2015 · No participating RiskX clients lost · Approximately 3.2% average renewals over the last four years
Pooled health and dental benefits let many small and mid-size Canadian employers share claims risk, reducing the effect one company's bad claims year can have on its renewal. Based on RiskX renewal records, participating RiskX clients have experienced average renewal increases of approximately 3.2% over the last four years. RiskX has offered the pool since 2015 and has not lost a participating client. Historical experience is not a guarantee of future rates.
RiskX is a Canadian independent employee-benefits and group-retirement brokerage, founded in 1994, serving group retirement employers across Canada outside Quebec, with health and dental licensing in Alberta and Ontario.
Last updated: August 2026
Sound Familiar?
Every year, your benefits costs go up. And every solution you've tried hasn't truly fixed it.
You switched carriers to get a better rate - and eighteen months later the rates spiked again. You've done this two, maybe three times now. Each time you're told it'll be different. It never is.
Renewal season arrives and the anxiety arrives with it. Will it be 5% this year? 12%? 20%? Nobody tells you in advance. Nobody gives you certainty. You just wait - and hope it's not the bad kind of surprise.
And if you're on a 50/50 cost-share plan, every time your rates go up - your employees pay more too. The resentment builds quietly until your best people start looking elsewhere.
"Every year, your benefits costs are going up - and nobody has ever given you a real way to stop it."
We've Seen This Before
We've sat across from hundreds of Canadian businesses in exactly your position.
Business owners who tried everything. HR managers who dread renewal season every single year. CFOs who keep absorbing increases they can't control. We're not here to tell you your broker is bad or that you made wrong decisions. The system wasn't designed to give you a real fix - it was designed to keep you cycling through temporary solutions. That changes when you work with RiskX.
How It Works
Three steps. One switch. Then stability - for good.
Switching benefits plans feels daunting. We've designed this process to be as simple as possible - and this is designed to be the last switch you ever make.
01
See if you qualify
A meeting to understand your situation. No pressure, no paperwork. Just a conversation to confirm you're a fit.
02
We show you the numbers
Clear comparison - your current trajectory vs. the pool. Commission disclosed upfront. Always.
03
One switch. Then stability.
Two-year renewal cycles and approximately 3.2% average RiskX client renewals over the last four years. Renewal meetings that feel like coffee visits.
The Cost of Staying Put
What does staying on your current path actually cost?
Benefits costs compound over time. To make the comparison transparent, this illustration uses Aon's 7.4% projected 2025 Canadian medical trend and the approximately 3.2% average renewal increase experienced by participating RiskX clients over the last four years. Enter your current annual benefits spend to compare the two assumptions over 10 years.
$100,000
$20,000$500,000
Total using 7.4% medical trend
$1,512,220
Total using 3.2% RiskX history
$1,194,027
Illustrative difference over 10 years
$318,193
21.0% lower in this illustration
At the selected starting spend, the difference between these two assumptions is $318,193 over 10 years. This is a comparison of cost-growth assumptions, not a quote, savings promise, or statement that the coverage would be identical.
Book a meetingCumulative difference = total projected spend using 7.4% annual compounding minus total projected spend using 3.2% annual compounding over 10 years. Aon's figure is a projected Canadian medical trend, not an average employer renewal and not a dental trend. The RiskX figure reflects average client renewal experience over the last four years. Illustrative projections only - not guarantees.
* Past performance is not a guarantee of future results. The approximately 3.2% average renewal increase is calculated from participating RiskX client renewal records for the last four years and is provided for illustration only. Results vary by client and renewal based on claims, plan design, insurer pricing, and other factors. Future increases may be higher or lower. RiskX does not guarantee any specific rate or savings.
External benchmark: Aon, 2025 Global Medical Trend Rates Report (Canada: 7.4% projected medical trend for 2025). Pool figures: RiskX client renewal records for the last four years and current program records through 2026.
What Changes
From dreading renewal season to barely thinking about it.
Predictable costs
Approximately 3.2% average renewal increases for participating RiskX clients over the last four years, with two-year rate guarantees. You'll know what's coming before renewal season arrives - not after.
One switch. Done.
No more switching carriers every 2-3 years. No more employee paperwork nightmares. One transition, then stability.
Employees who value their plan
Every employee designs their own coverage around their actual life - not a one-size-fits-all plan that makes healthy people subsidise everyone else. The result: employees who actually appreciate what you're providing.
And There's More
The plan your employees will actually love.
Most benefits plans are one-size-fits-all. Young, healthy employees subsidise high claimers. Nobody gets exactly what they need. And your business pays for a plan that generates more complaints than appreciation. Through RiskX, eligible businesses access a flexible benefits platform where every employee designs their own plan around their actual life.
More dental coverage for families. More wellness spending for younger team members. Health Spending Accounts and Wellness Spending Accounts that roll into Group RRSPs. The reaction from employees when they first see it is always the same: "Why don't I have this already?"
Since RiskX began offering this program in 2015, no participating RiskX client has left the pool. That is based on our internal client records; individual experiences and future retention may differ.
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.
Common Questions
We know what you're thinking. Here are the honest answers.
Is the 3.2% historical average a guaranteed renewal rate?
No. Approximately 3.2% is the average renewal increase experienced by participating RiskX clients over the last four years, based on our renewal records. It is not a quoted or guaranteed future rate. Actual renewals vary with the pool's aggregate claims, plan design, insurer pricing, and other factors. The pool's two-year renewal cycle can improve predictability, but future increases may be higher or lower than the historical average.
We're happy with our current broker. Why would we switch?
That's completely valid - and you might not need to. Ask whether your current plan genuinely pools claims risk, how its renewal history compares with the approximately 3.2% average experienced by participating RiskX clients over the last four years, and whether your broker discloses their commission. If you already have clear answers, you may be in good hands. If not, a comparison costs nothing.
Switching sounds like a nightmare. Is it really worth it?
Switching requires real work - we won't pretend otherwise. Your benefits administrator will have paperwork, employees will need to enrol, and there's a transition period. But this is designed to be the last switch you ever make. Instead of going through this disruption every 2-3 years chasing temporary discounts, you do it once - then enjoy two-year renewal cycles at predictable rates.
What does 'see if you qualify' actually mean?
The pool isn't right for every business - company size, industry, and claims history all factor in. Rather than promising something before we know your situation, we start by understanding where you are. If you're a fit, we'll show you exactly what the pool would look like. If you're not, we'll tell you that too and point you in the right direction. No pressure either way.
Are you a broker or an insurance company?
We're an independent benefits brokerage - not an insurance company. We work with multiple insurers and help eligible businesses access a large pooled arrangement. We also advocate for clients at renewal and disclose our commission in writing.
Sources: RiskX client renewal records and current pool program records through 2026 (approximately 3.2% average renewal increases for participating RiskX clients over the last four years; 1,000+ businesses in the pool; no participating RiskX clients lost since RiskX began offering the pool in 2015). External context: Aon, 2025 Global Medical Trend Rates Report (7.4% projected Canadian medical trend for 2025); WTW, 2025 Financial Benchmarks Survey (2024 Canadian per-capita trends of 8.5% for health care and 4.9% for dental care). Medical and claims-cost trends are not the same as an employer's renewal rate. Historical pool results are not guarantees; individual experience varies.
Your next renewal doesn't have to feel like the last one.
Participating RiskX clients have averaged approximately 3.2% renewal increases over the last four years. Add flexible coverage and a broker who discloses what they earn and advocates for you at renewal, and you have a benefits plan built for long-term stability. Find out if it's right for your business.
Book a meetingNo commitment. No paperwork. Family-owned. Canadian. Transparent.
Also see our group retirement plans for Canadian businesses, or head back to the RiskX homepage.
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