With DBplus under the CAAT Pension Plan, you can offer your employees a valuable, Modern Defined Benefit pension plan at a fixed contribution rate, and through a flexible and simple approach. As an employer, this is your opportunity to be freed of the risks, costs, and administrative effort of operating your own pension plan.
On average, contributions to DBplus go twice as far in delivering retirement income as group RRSPs or defined contribution (DC) plans. CAAT's profit-for-members trust structure, expertise, scale, and joint governance ensures you’re in a sustainable plan. As an employer, you'll be provided with:
At CAAT, we manage the liabilities for you. Your role requires no pension accounting. As an employer, you’ll only need to record employer contributions on financial statements and CAAT will provide guidance for notes to financial statements. With DBplus, you'll be assured knowing:
You deserve the certainty of knowing where your contributions will take you and your employees. With DBplus, you'll benefit from the following:
Be an employer of choice by offering a DB plan that employees want. With DBplus, employees won’t have to make complex investment decisions or worry about outliving their retirement savings. You can get:
Employers with DBplus already enjoy the fixed cost and low risk of a DC or Group RRSP, with the predictable security of a DB plan. Now with a suite of flexible options, CAAT can accommodate most existing arrangements and budgets, making it easier than ever to transition to DBplus from an existing plan or no plan at all.
These options bring together the best of Defined Benefit (DB), Defined Contribution (DC) and Group RRSPs with contribution rate flexibility, seamless transitions from previous arrangements, rate phase-ins, differentiations by employee class and more. Learn more.
The CAAT Pension Plan is a world-renowned model for the efficient delivery of secure pension benefits. Learn more about the contribution rates here.
Learn more about your advantages as an employer.
Discover why Modern Defined Benefit plans, like DBplus, provide more value.
For general inquiries:
Toll Free: 1.866.350.2228
Toronto area: 416.673.9000
If you represent an interested employer or member group and would like to speak to us about joining, contact:
Marnie Niemi Hood, Vice President, Pension Solutions