Les régimes d’accumulation de capital (RAC) englobent les régimes de retraite CD 

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We asked that very question in a recent survey and discovered that the primary concern for plan sponsors is how to respond effectively to the evolving regulatory landscape. Specifically governance, risk management, and ensuring positive outcomes for DC plan members are top issues and priorities.

These three issues also happen to be the main themes highlighted in the new guideline for capital accumulation plans, which outlines how DC plans should be operated. So we understand why keeping up with the evolving industry is top of mind as regulators consistently raise expectations. And we expect that trend to continue.

Partnering with Mercer can make it simpler. HR and finance professionals have long turned to Mercer for our advice on DC matters. It's not only because Mercer leads as Canada's largest DC consulting firm. But we also offer a unique perspective when tackling DC issues.

And we can do this because, for one, we are able to harness data. We have access to one of the largest, most comprehensive, and unique data sets in Canada. That allows us to extract valuable insights that matter, the truly informed decision making.

We also connect HR professionals with legal experts who are dedicated and specialize in DC matters. Our team of legal consultants stay ahead of DC regulatory developments. And they have the ability to interpret complex issues to deliver practical, actionable advice.

And finally, we deliver a high standard when it comes to helping organizations review compliance. Mercer conducts thorough reviews of DC plans on behalf of organizations to help them keep a pulse on their alignment with the evolving regulatory landscape.

We often hear that resources are stretched thin and high turnover within HR teams can make it challenging to grasp past decisions and maintain processes. On top of that, navigating new regulations and market changes can feel overwhelming without the right support.

Every organization is different and has unique needs. And Mercer has the knowledge and versatility to meet those needs. So, for example, if your primary concern is engaging plan members, Mercer can track key metrics and help you develop effective communication strategies.

If you're worried about evolving regulations, we can help identify gaps and create a practical roadmap to achieve alignment. In other words, we make adapting to new regulations easier. We can also help document decision making, which is critical to helping protect your team and organization. It's one of the keys to good governance.

And if you're seeking to redesign your plan to be more competitive and to meet the diverse needs of your workforce, we have extensive experience in that as well. We help numerous organizations transform their retirement programs into savings and wellness plans that employees truly value.

I think the next step is to ask the right questions. For example, is our plan competitive? Are our fees competitive? Are we effectively communicating the full value of our plan to employees? Do we have a robust governance framework in place?

As defined contribution plans become increasingly complex, more organizations are turning to experts like Mercer to help. If you would answers to these questions or would like to learn more about how we can help simplify your savings plan, give us a call today to get things started.

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