Group retirement. Total rewards.

Group retirement for Canadian employers.

RiskX coordinates Group Retirement, flexible benefits and the services that help employees value their complete package.

Colleagues gathered around a table discussing documents.

Independent. Family-owned. Canadian.

RiskX has worked with Canadian employers since 1994. Gordon and Jarod lead a brokerage that coordinates plans, explains the details, and discloses compensation in writing.

Meet the people behind RiskX
32 yearsExperience in employee benefits
CanadaGroup Retirement across Canada, outside Quebec
WrittenFees and compensation disclosure

RiskX is an independent, family-owned Canadian brokerage, founded in 1994. We coordinate group retirement setup, employee education and reviews for employers across Canada outside Quebec. Your team supplies payroll information, approves decisions and retains plan oversight. Health and dental insurance is available in Alberta and Ontario.

Retirement leads. The package works together.

RiskX connects plan design, employee understanding, and ongoing review.

Start with retirement

Build or review the workplace plan employees can see grow through payroll.

Connect total rewards

Bring benefits and wellbeing services together. Custom printed benefits booklets help employees understand what they have and how to use it.

Keep it visible

Review fees, service, governance, and compensation in writing instead of letting them drift out of sight.

Sample Northstar employee benefits booklet with a pale-blue cover, RiskX branding and visible printed page edges.Fictional Northstar total rewards statement showing $90,715 in annual pay, bonus, employer retirement contributions and benefits.
View booklet cover (opens in a new tab)Read sample statement (opens in a new tab)

A custom printed employee benefits booklet and a personal total rewards statement. Fictional Northstar examples, not client documents.

What turnover may already be costing.

Use your own assumptions to make the retention conversation tangible. The result is illustrative, not a predicted plan outcome.

Your assumptions

Number of employees75

Average salary$70,000

Current turnover rate13%

Cost to replace an employee75% of salary

Turnover scenario10%

Your illustration

Estimated current turnover cost$511,875Per year, based on the assumptions shown.
Illustrative difference$118,125Compare this hypothetical difference with the actual cost of your plan.

Illustrative only. Based on visitor inputs. The turnover scenario is an assumption and is not a predicted result of implementing a benefits or retirement plan.

How the example is calculated

75 employees × 13% turnover × $70,000 salary × 75% replacement cost = $511,875 per year. At 10% turnover: $393,750.

These are assumptions, not a forecast of plan results.

Choose the right starting point.

Start a plan, take a closer look at the one you have, or connect your wider benefits package.

Gordon Smith and Jarod Smith seated together.
Gordon and Jarod Smith
The family behind RiskX. Meet Gordon and Jarod.

Help employees understand their benefits.

Make the package useful to your people, with clear information they can keep and a RiskX team you can reach.

Custom printed benefits booklets

We create physical booklets for your employees explaining the benefits available to them and how to use them.

A personal total rewards statement

A one-page view of what you invest in each employee beyond salary, including retirement contributions, benefits and services.

Clear costs and ongoing reviews

Know what you are paying, how RiskX is compensated, and what was reviewed. Your team keeps plan oversight.

When you are ready, start with one conversation.

Explore Total Rewards