Pensions (Retirement Programs)

We believe the role of the consultant is to provide enhanced value, and that the context of our role has the broader mandate of Human Capital Risk Management. This means that we dig down into all pension and retirement programs to ensure that your organization is eliminating, mitigating and managing human capital risk as appropriate. This includes retention, attraction, health and financial risk related to employees, executives, shareholders and the corporation.

As your consultant we can deliver financial savings, cost management strategies, liability, risk management tools, strategic planning and guidance.

Key areas in which we help our clients include:

• Risk Assessment

• Program Design (DB vs. DC, RRSP, DPSP, DC, Non-Registered, TFSA, IPP)

• Cost Management

• Competitive Analysis and Tendering

• Employee, Executive and Board Education

• Administrative Support

A complete list of our services include:

   • Competitive Tendering and Brokerage: specification      preparation, competitive analysis, and program      implementation
   • Strategic Program Development
   • Flex Plan Design
   • Contract and Document Review
   • Financial Management
   • Benefits Training
   • Benefit Plan Design and Analysis (Health, Protection,      Retirement, Perks)

  • Renewal Management: premium rate analysis,
     financial modeling, and provider negotiation
  • Funding Analysis
  • Provider Management and Negotiation
  • Employee Listening (Surveys)
  • Program Implementation
  • Program Management
  • CAP Guideline Audit and Assessment
  • Investment Committee Meetings
  • Employee Communication Services
  • Employee Transition Arrangements
  • Administrative Support