We’re a fit if you’re:
• An employer with 10 or more employees
• Headquartered or operating in Ontario or British Columbia
• An HR leader, CFO, Controller, or owner who wants clear numbers, not sales spin
We help employers in Ontario and British Columbia design and manage cost-controlled employee benefits and group retirement plans, with complementary support where it adds value.
Design and management of health, dental, disability and wellness plans using your claims data and insurer formulas so renewals are fair and costs stay under control.
Group RRSP, DPSP and pension plan design with transparent fees, clear governance and employee education so your team actually understands and uses the plan.
Corporate and shareholder life insurance strategies that complement your group benefits and retirement plans, including buy–sell and key person coverage for owners and executives.
We connect you with vetted outsourced HR and payroll providers, and help you choose the right fit for your size, culture and risk profile. Our role is to make sure your HR support, policies and payroll all align cleanly with your benefits and retirement strategy.
A 30-minute conversation to understand your organization, current plan, claims experience, fees and renewal dates. We gather recent renewals, claims summaries and plan documents so we’re looking at the same numbers as your insurer.
We apply provider-specific trend factors and reasonable assumptions to project a fair renewal range. Then we test alternative plan designs, funding models and providers to see where you can improve cost, value or both.
We bring you clear options with numbers attached, help you negotiate with your current insurer or remarket the plan, and support employee communication so changes land well.
You’ll always know exactly what you’re paying, and to whom. We disclose all of our compensation, include the carrier’s original reports and add our own analysis so you can see what’s actually driving your renewals.
We work with every major provider, plan design and funding model in Canada. That lets us tailor benefits and retirement plans to your people and your budget, instead of forcing you into a one-size-fits-all template.
When you refer a registered charity or non-profit, we remove our commissions on that organization’s plan so more of their budget can stay focused on their people and programs.
Share a few details about your organization and we’ll reach out to schedule a 30-minute call where we’ll review your current benefits or retirement plan and let you know if we see meaningful opportunities to improve cost or design.
