About us

The CAAT goal is simple: provide Canadian workplaces with access to secure, sustainable pensions. It’s for members. For employers. For lifetime in retirement.

At CAAT, we make retirement better for Canadians by offering secure workplace pensions and retirement income for life.

Originally created to support the Ontario college system, the CAAT Plan now proudly serves more than 440 participating employers in 20 industries including the for-profit, non-profit, and broader public sectors. It currently has more than 99,000 active and retired members.

The CAAT Plan is respected for its pension and investment management expertise and focus on long-term stability and benefit security.

At January 1, 2024, the Plan was 124% funded on a going-concern basis.

CAAT announces valuable Plan changes

Plan changes are coming in 2025 that will make your pension more valuable.

What's changing?

Policies, process and performance

Understand what drives us and view our results

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Our funding policy describes how we keep your pension sustainable despite volatility.

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Valuation 2023

CAAT Pension Plan is 124% funded with $5.3 billion in funding reserves.

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Legislation and compliance

Some of the federal and provincial legislation that governs CAAT operations.

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2023 Annual Report

A detailed account of 2023 performance and financials.

Joint governance

Shared governance – at the core of our success

Joint governance

One of Canada's most sustainable pension plans

CAAT is a Modern defined benefit (DB) pension plan, which offers the benefits Canadians want:

  • lifetime income;
  • inflation protection, and;
  • survivor benefits.
Pension solutions
Secure, risk-free lifetime benefits

DBplus offers the secure lifetime pensions employees want, without employer liabilities.

Whether you currently offer a pension plan, group RRSP, or no retirement savings plan, joining our pension plan can control your costs while offering valuable pension benefits. Discover how DBplus is effective for both employers and employees.

Leadership team

Leadership of accomplished professionals


Our leadership team consists of highly educated experts with years of varied industry experience. We are dedicated to finding innovative solutions to future challenges, in order to deliver long-term performance and customer service.

Meet our team

Information for members

An independent Registered Pension Plan

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Member policies

Download the CAAT Pension Plan Text, Privacy Statement and Accessible Service Plan.

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Participating employers

Click below for a full list of participating employers.


Read the latest news

CAAT Pension Plan Reaches 100,000-Member Milestone

Plan membership has more than doubled since the launch of DBplus in 2018

CAAT Pension Plan Announces Strong Growth Results for 2023

The Plan continues to see growth in assets, employers, members and investment returns TORONTO, April 18, 2024 — CAAT Pension Plan ("the Plan"), one of Canada's fastest-growing modern pension plans, is...

CAAT Pension Plan Announces Strong Funding Status and Assets Unde...

The Plan saw significant growth in membership and participating employers across Canada in 2023 Toronto, March 28, 2024 – CAAT Pension Plan ("the Plan"), one of Canada's fastest-growing defined...