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Introduction
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Meet Our Team
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Group Retirement - Overview

There is no benefit that an employer can provide for its team members that has the impact and value of a Group Retirement Savings Program. The value generated by a well designed and effectively communicated Group Savings Plan can be the differentiator in both acquiring and retaining key employees.

Belton Boisselle has been implementing Group Retirement Programs for more than 30 years. We have been innovators within the industry and have developed and managed programs that have created exponential value for the employers who have used our consulting services.

Advantages
- Significantly lower fees than individual funds 
- No back end or front end loads, or charges
- Instant tax savings through payroll deductions 
- Increased employee retention
- Group Buying Power 

A group retirement plan belongs to your employees. As a result, we use group retirement committees made up of your employees to help us make decisions for your program, to promote the plan, as well as to ensure your retirement program is compliant under Capital Accumulation Plan (CAP) guidelines.

Presentations to your employees to review performance, to re-educate staff and to introduce the program to new members are essential for ongoing support and confidence in your plan. These presentations also serve as a great reminder to employees of the value of this plan as part of their benefits program and total compensation.

Group Retirement Plan Structures
- Group Registered Retirement Savings Plans (RRSPs)
- Group Deferred Profit Sharing Plans (DPSPs)
- Group Tax-Free Savings Accounts (TFSAs)
- Group Registered Pension Plans (RPPs)
- Pooled Registered Pension Plans (PRPP)
- Grouped Individual Pension Plans (IPPs)


Our Experience

Working with a team of professionals that have over 30 years experience in the group retirement marketplace provides you with confidence knowing that your plan is being managed in the most efficient and effective manner possible.

With the move towards specialization in the group retirement field, if you are working with a generalist or directly with the insurer, rather than with a professional organization dedicated to group savings plans, this could be costing your employees significantly more on both accumulation and in retirement. 

Independent & Unbiased

Belton Boisselle Ltd. is an independent company and no insurer owns any interest in our organization. We have access to the entire marketplace to ensure the most competitive pricing and features for our clients.

Advisor Compensation Disclosure

We charge industry standard servicing fees which are typically built into the premiums you pay the insurer. In the case of Group Retirement Programs, fees are charged based on the plan’s aggregate assets, deposits, or a combination of both.

Our compensation and fees are fully disclosed to you.

Simple, Effective Communication

We use a variety of techniques such as retirement committees, focus groups, custom communication pieces, Benefits at A Glance statements, and employee surveys to create a sense of employee pride and ownership in your retirement savings plan.  Rather than using complicated investment jargon to simply confuse plan members, we speak in plain language and tailor our communication efforts to the unique style and culture of your company or organization connecting team members to your plan!

What About Retirees?

Most Group Retirement Savings Plans provide this fee advantage to plan members during their working years. Once an employee retires or leaves the company, they are usually forced out of the plan and become subject to high individual investment fees, called Management Expense Ratios (MERs). How does your plan help retired and terminated members throughout retirement?

Transition & Implementation

Choosing to use the services of Belton Boisselle Benefits & Pensions will provide your organization with more tools, resources and input to effectively administer your plan, but will not require a 180 degree shift in the way your plan is managed. We take on the majority of the work associated with any plan audit and in most cases are able to deliver savings and efficiencies to your plan without ever having to change providers. Our goal is to reduce the effort required on your part to oversee your overall group savings program allowing you to focus on what you do best.

In the case where a change in provider is warranted, we manage the transition from start to finish through a detailed timeline and implementation plan.   

The Importance of Low Fees

Almost every investment, whether group or individual has a fee associated with it to pay the costs of managing the account. This fee comes directly out of the investment return members earn each year. In general, fees in a group plan are significantly lower than individual investments offered by the bank, credit union or through individual planners. All else being equal, the lower the fee, the more money in your pocket! If your employees are paying an additional 0.50% in Investment Management Fees (IMFs), this could mean 10 - 20% less in their retirement account!

Pooled Retirement Pension Plans (PRPP)

A pooled registered pension plan (PRPP) is a new, accessible, straightforward retirement savings option for employed and self-employed individuals who do not have access to a workplace pension plan or where a workplace pension plan does not exist. A PRPP enables its members to benefit from lower administration costs that result from participating in a large, pooled pension plan. It's also portable, so it moves with its members from job to job.