Attract and retain top Canadian talent with institutional-grade retirement benefits at group rates

Plan Benefits

Group Plan Advantages: Our group plan provides significant cost advantages and preferred rates compared to individual RRSP arrangements, which typically charge 1.3%+ in management fees. Through our group purchasing power, employees gain access to institutional-grade investment options at substantially reduced costs.

Key Information

• Save employees 50%+ on management fees vs individual RRSPs
• Flexible employer matching from 15%-50% (or custom)
• Simple administration through your Shoreline account
• Available starting July 1, 2025

Employer Contribution Flexibility

You have complete flexibility in determining your contribution level to align with your compensation strategy. Common employer matching structures include:

• 15% Match: Employer contributes 15¢ for every $1 employee contributes
• 20% Match: Employer contributes 20¢ for every $1 employee contributes
• 25% Match: Employer contributes 25¢ for every $1 employee contributes
• 50% Match: Employer contributes 50¢ for every $1 employee contributes
• Custom Match: Design a matching formula that fits your budget and retention goals

Contribution Limits and Guidelines

• Employees can contribute up to their annual RRSP contribution limit
• Employer matching can be capped at a specific dollar amount or percentage of salary
• Flexible contribution strategies accommodate various employee financial situations