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Trusted Group Benefits broker

Group RRSP Nova Scotia

Retirement savings made easy for you and your team

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A Simple, Affordable Retirement Benefit for Small Businesses in Nova Scotia

Help your team save for retirement with a plan that’s easy to run, low‑fee, and built around your budget.

Why Offer a Group RRSP?

Most small businesses want to offer meaningful benefits but worry about cost, complexity, and extra admin work. A Group RRSP gives your employees a valuable retirement savings tool — without adding stress to your plate.

I help small teams set up simple, flexible Group RRSP plans that improve retention, support your employees, and integrate smoothly with your payroll.

How a Group RRSP Works

Straightforward for you. Valuable for your team.

1. Choose your employer match Most businesses choose 0–5%. You control the cost.

2. Employees enroll online No paperwork, no meetings, no hassle.

3. Payroll deductions + employer match Contributions flow automatically into each employee’s RRSP.

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What Does a Group RRSP Cost?

Transparent, simple pricing. No surprises.

No setup fees
No employer administration fees
Investment management fees (MERs): typically 1.25%–1.9% depending on provider and fund selection
Employer match: fully customizable
No penalties if employees leave

Who This Is For

A Group RRSP is ideal for:

Small businesses with 2–50 employees
Employers wanting a competitive benefit without pension‑plan complexity
Teams looking for a simple, tax‑efficient way to save
Businesses wanting to improve retention and attract talent

GROUP RRSP Nova Scotia FAQ

The difference between a Group RRSP and an Individual RRSP
A group RRSP is a type of retirement savings plan that is offered by an employer to their employees. An individual RRSP is a personal investment account that anyone can open and contribute to. Some of the main differences between a group RRSP and an individual RRSP are:

A group RRSP may have lower fees and more investment options than an individual RRSP, depending on the plan provider and the size of the group.

A group RRSP may allow for employer matching contributions, which can boost the savings of the employees. An individual RRSP does not have this feature.

A group RRSP may have automatic payroll deductions, which can make saving easier and more convenient. An individual RRSP requires the investor to make their own contributions.

A group RRSP may have immediate tax savings, as the contributions are deducted from the pre-tax income of the employees. An individual RRSP requires the investor to claim their contributions on their tax return and receive a refund later.
What is a typical matching percentage for an employer?
Does my money vest immediately as an employee?
What are my options when i leave the plan or retire?
Group Retirement services near me

Our Google Reviews

Nikhil Abraham

Pat is someone who consistently goes above and beyond for others. He brings professionalism, integrity, and genuine care to everything he does. He truly has his clients’ best interests at heart, and I couldn’t recommend him enough!

Barrie MacLean

Having dealt with Pat and McIver Insurance for many years, we have nothing but good things to report about our experience. Pat brings an exceptional combination of knowledge, professionalism and integrity to the relationship and we unreservedly recommend him and his Company for all of your health and life insurance needs. We know from personal experiences that he will treat your needs as his own and you can be assured of best possible outcomes. 5 Stars!

nevine boghdady

I had a wonderful experience with Pat to get insurance coverage. He took time to explain everything clearly making the process easier. I truly appreciate his willingness to answer all my questions. He was kind, trustworthy and caring to help with all my needs

Veronica Tracy

We have been doing business with Pat for years and would recommend Pat for any insurance needs you might have.

Nancy

It was a wonderful experience ! Pat made everything super easy . I would absolutely entrust him with all your needs .

Doug Sabean

I find Pat to be very responsive to enquiries and is always prompt with his responses and recommendations for solutions.

Christa Flynn

Very thorough, followed up and professional. Pat will do everything he can to get you the best rates possible.

Philip Cook

Pat has truly gained our respect over the years. He always has put us first . His honesty and professionalism always shows through in our interactions with him. If he feels changes in the products that we own are warranted, I have seen him insist on these changes despite them being detrimental to his own pocket book. We would recommend him as a very knowledgeable and trustworthy insurance advisor. Philip & Brenda Cook

Sydney Picano

Truly outstanding service. Could not be happier!

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Proudly Serving all areas of NS and Atlantic Canada

Amherst / Antigonish / Bedford / Bridgewater / Chester / Coleharbor / Dartmouth / Digby / East Hants / Halifax / Liverpool / New Glasgow / New Minas / Port Hawkesbury / Sackville / Sydney / Truro / West Hants / Yarmouth