Pension solutions

What employers get

A solution that works

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.

How do employers benefit?

Watch the video to see the DBplus advantage

Value for contributions

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:

  • Valuable in-demand benefits for your employees
  • Flexible contribution options tailored to your workplace
  • The ability to offer your employees a secure DB pension when they retire
  • Pension administration support so you can focus on your core business

No balance sheet risk

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:

  • Your contributions cover all costs
  • You'll avoid the expense of operating your own pension plan
  • There are no Pension Benefit Guarantee Fund premiums
  • You are free to focus on your core business

Pension cost certainty

You deserve the certainty of knowing where your contributions will take you and your employees. With DBplus, you'll benefit from the following:

  • Contribution rates chosen by you
  • The ability to offer multiple contribution rate options to your workforce
  • Secure processes, pension expertise and efficiency

Attraction and retention tools

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:

  • Employees that know they’ll have a secure lifetime income in retirement, along with other in-demand features
  • An engaged workforce with lower stress levels and improved productivity
  • A total rewards strategy to attract and retain the best talent

Tailored solutions

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.

DBplus Employer Booklet
Employer booklet

Learn more about your advantages as an employer.

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DB plans provide more value

Discover why Modern Defined Benefit plans, like DBplus, provide more value.

Need to speak with us?

We are here for you

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For general inquiries:
Toll Free:

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
Tel: 647.837.3360