Retirement that works for your organization and your people
A smarter strategy for an evolving workforce
For many Canadians, retirement security is slipping further out of reach and it’s starting to show. Workers are under more pressure than ever, saving less, and retiring later. Employers are now facing the consequences: delayed succession, workforce stagnation, and rising financial stress across their teams.
For decades, capital accumulation plans, including defined contribution (DC) pension plans and group RRSPs, have been the private sector’s default solution, largely because of cost predictability. That predictability comes from offloading risk to employees, who are left to shoulder the burden of saving, investing, and planning with very little support.
Why status quo plans fall short
With a capital accumulation plan, employees single-handedly face the risks of market downturns, inflation, and the chance of outliving their savings. Few have the expertise or appetite to manage those risks, and many avoid financial decisions altogether for fear of making a costly mistake. i
The model truly breaks down at retirement. Employees are left with a lump sum and the daunting task of turning it into lifelong security. The result is widespread retirement insecurity and a workforce with no clear exit path, leaving employers with no guarantee that their people will be able to retire on time.
The reality is that organizations no longer need to choose between controlling costs and risks and providing real retirement security for their employees. A smarter, more sustainable solution is available.
Featured download
Download the “Retirement that works for your organization and your people” brochure.
Download the brochureThe new gold standard in retirement strategy
A retirement solution that creates as much value for employers as it does for employees may seem theoretical, but it already exists. CAAT Pension Plan provides employees with secure retirement income for life, while employers benefit from predictable costs, simplified administration, greater workforce agility, and a stronger employee value proposition.
CAAT has introduced the new gold standard in retirement solutions. Risk is shifted away from individuals and employers by pooling it across members and participating organizations, delivering stability no single employer could achieve on its own. Contributions remain fixed and predictable, governance is handled by experts, and outcomes are designed to strengthen both workforce and business resilience.
The CAAT pension promise is simple: employees accrue a lifetime pension amount for every year contributions are made. That amount grows with inflation, conditional on the strength of the Plan. Employees can prepare for their retirement with confidence, knowing exactly what income they can rely on.
Optional savings for members
For employees who want to save more, CAAT allows members to make additional optional savings contributions. These contributions benefit from the same long-term, expert-led investment returns as the Plan, helping members build extra savings alongside their secure lifetime pension.
Lower financial stress, stronger performance
Financial stress is the number one source of anxiety among Canadians.ii Employees who feel secure in the long-term are more engaged, focused, and productive. By removing the stress of “what happens when I retire,” CAAT helps employees be present at work and contribute more fully to organizational success.
Resilience. Productivity. Engagement.
It’s time for employers to stop treating retirement as a routine expense and start using it as a strategic tool. Retirement design impacts who you can attract, who stays, and how smoothly your talent pipeline moves. The right model frees up resources, allowing your organization to focus on your core objectives instead of managing a retirement plan.
With CAAT, employer contributions are stable and insulated from market volatility. Organizations can plan with confidence while CAAT manages market, investment, and longevity risk. Budgeting is simplified and administration, compliance, investment oversight, and member communications are all managed by experts.
Modern organizations also rely on a diverse workforce to keep their business running smoothly: salaried, hourly, part-time, unionized, and non-traditional employees. CAAT’s adaptable model works across these groups, providing a single retirement solution throughout the organization. This flexibility makes it easier to offer the same high level of security to all employees, regardless of employment type.
Keep talent pipelines moving
Without the certainty of predictable retirement income for life, workers often stay longer than they should, blocking succession pathways. CAAT strikes the right balance: employees stay for the right reasons and retire when the time is right, keeping talent pipelines healthy, payroll costs balanced, and organizations agile.
Employers can feel confident in the strength and security of the Plan itself. CAAT is fully funded, professionally managed, and operates as a pension trust fund, with decisions made with the best interests of both employers and employees in mind.
Let’s rethink what retirement can do
Legacy decisions shouldn’t define your future workforce strategy. It’s time to explore what retirement benefits can deliver for your organization.
Download the brochure Connect with us start the conversation.
Secure. Scalable. Ready for what’s next.
[i] FP Canada. 2025. Financial Stress Index.
[ii] Ibid