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What does it cost?

DBplus offers secure lifetime pensions and other valuable defined benefit features for a fixed contribution rate

Organizations select a contribution rate between 5% and 9% of employee earnings, deduct and match employee contributions (unless the employer chooses to contribute more), and remit to CAAT. There are no other costs for employers or employees.

Administration and investments, including all regulatory compliance, are managed by the team of experienced pension professionals at CAAT at no additional cost. Also included are member education sessions and award-winning communication programs and tools that show employees the value of their pension.


On average, contributions to DBplus go twice as far delivering retirement income than group RRSPs or defined contribution plans, due to CAAT’s expertise, scale, and profit-for-members trust structure.

Employer responsibilities are limited but important

CAAT strives to keep employer-level administration to a minimum, but there are certain responsibilities employers must carry out. Read more

Estimate a DBplus Pension

Get a quick and easy estimate of how much lifetime retirement income members will get from contributions to DBplus.

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Interested in bringing DBplus to your workplace?