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Retirement Planning

Employers are interested in leveraging their buying power for enhanced retirement planning benefits for their employees. Find out more about our governance and service model to keep you in compliance and to get the most for your employees’ retirement savings.

Group RSP and DPSP

PRL Benefits is very active with clients managing their employee retirement plans from compliance, plan structure, investment fund recommendations, employee communications and ongoing governance.

Our governance model is very focused on ensuring that plan sponsors meet the Capital Accumulation Plan (CAP) guidelines.

CAP guidelines are voluntary and were released in May 2004 by the Joint Forum, an association composed of the Canadian Council of Insurance Regulators, The Canadian Securities Administrators and the Canadian Association of Pension Supervisory Authorities with representation from the Canadian Insurance Services Regulatory Organizations.

This Forum was established as a mechanism through which pension, securities and insurance regulators could co-ordinate, harmonize and streamline the regulation of financial products and services in Canada. These guidelines work in addition to all existing laws and regulations.