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The CAAT Pension Plan is independent, jointly governed and fully funded. Employers and members share equally in decisions about benefits and contributions through their representatives on two governing bodies. The Plan is highly respected for its pension and investment management expertise and operated for long-term sustainability.

Why is this Plan better?

Joining an industry-leading jointly sponsored multi-employer plan removes the risk of pension reductions and the requirement for Pension Benefit Guaranteed Fund premiums (in Ontario), which have increased substantially.

Employers who go bankrupt often have insufficient funds in the pension plan to protect the benefits promised to members. Joining the CAAT Plan provides a secure pension that is not dependent on any one employer. This means:

  • Lower stress for employees
  • Higher employee engagement
  • More financially productive retirees who rely less on taxpayer funded social and health programs.

Visit the CAAT Pension Plan website to learn more about our pension and investment management expertise.

CAAT is an industry leader

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We invest funds and manage pensions on a not-for-profit basis. Expenditures are minimized so there is more money to pay pensions rather than high management fees and commissions.


Sustainable and secure

We offer the benefits Canadians want and we’re more sustainable and efficient at funding pensions than single-employer plans. We offer employers and members higher value at lower risk, cost, and complexity. The jointly governed CAAT Pension Plan stands 120% funded on a going-concern basis, with a funding reserve of $2.6 billion, based on its latest actuarial valuation as at January 1, 2019.

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CAAT is sufficient in scale to attract and retain exceptional individuals with focused expertise, in the key areas of investments, funding, communications, and administration.

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Joint governance

Our success is built on shared governance and its collective focus on benefit security, stable and appropriate contribution rates and the goal of treating members of different groups and generations fairly.

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Funding Policy

Our Funding Policy is at the core of how we secure pensions. It provides a solid framework for the CAAT Plan governors to make decisions as they exercise their fiduciary duty and keep benefits secure.


Quick, efficient and proven

We have the experience to manage the transition and consolidation of pension plans from existing workplace arrangements – the Royal Ontario Museum (ROM), Youth Services Bureau (YSB) and Sheridan Student Union are recent examples. We can also efficiently manage the transition of legacy DB plans, group RRSP, and DC arrangements into CAAT.

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Try the DBplus Value Tool

This simple tool estimates the value of a pension in DBplus by the CAAT Pension Plan. With just a few pieces of information, get an estimate of future contributions in DBplus and immediately see how they result in a valuable lifetime retirement income.

I am pleased to see a well-run public pension plan like CAAT offering its services to more Canadians. CAAT’s combination of fiduciary governance, professional investment management, risk pooling, and focus on delivering predictable retirement income provides strong value for plan members. The plan deserves credit for taking action to expand access to retirement security.

Alex Mazer, Founding Partner, Common Wealth Pension Services

All employer expenses are included in CAAT Plan contributions

Employers offering workplace pensions are likely to incur a number of expenses related to investing or administering their single-employer pension plans. These include consulting fees, governance costs and the expenses of administration and systems. With the CAAT Pension Plan, there are no additional expenses. In addition, as CAAT Plan benefits and contribution rates are not subject to collective bargaining, there are fewer associated costs and less complexity.

Security and stability for the long term

Our pension promise to our members is very strong. As a multi-employer pension plan, CAAT’s sustainability isn’t tied to the financial wellbeing of a single employer, removing a key risk to benefit security for members. As of January 1, 2019, the CAAT Pension Plan stands 120% funded, with a funding reserve of $2.6 billion. For every dollar promised in pension payments, the Plan has a $1.20 set aside.

Visit the CAAT Pension Plan website to learn how good governance and investment expertise contribute to strong performance.


With its sustainable plan design, strong governance process based on fiduciary principles, and balanced investment program, the CAAT Pension Plan is truly an effective workplace pension plan for the 21st Century. …The CAAT Plan’s ability to adapt to changing circumstances stands it, and its members, in very good stead.

Keith Ambachtsheer, President, KPA Advisory Services Ltd. Director Emeritus, Rotman International Centre for Pension Management, University of Toronto

CAAT Pension Plan

Established in 1967, the CAAT Plan offers multiple designs of a defined benefit (DB) pension. CAAT is open to organizations joining the Plan from the broader public sector, not-for-profit sector, and private sector. The CAAT Plan is fully funded and with assets of $10.8 billion, provides lifetime pensions to 46,000 members and offers the benefits of a DB plan to 51 participating employers.

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Interested in learning more?

If you represent an interested employer or member group and would like to speak to us, contact the CAAT Pension Plan directly.