Workplace pension
Your employer-sponsored registered pension plan (RPP) builds retirement savings alongside CPP. Defined contribution plans show an individual account balance; defined benefit plans show a pension formula instead.
Pension adjustments on your T4 reduce new RRSP room because pension accrual already counts as retirement savings. Job changes may trigger transfer options (LIRA/LIF) or deferred pension statements—this mock only hints at the complexity. Beneficiary designations should be reviewed after marriage, divorce, or childbirth.
Plan summary
Plan name: Harbour Analytics Registered Pension Plan. Plan type: Defined contribution (DC). Vesting: fully vested. Employee contribution: 5% of pensionable earnings. Employer contribution: 5% of pensionable earnings (matched). Valuation date: 2026-03-31. Beneficiary: Marie Mercier — spouse, 100%.
Plan registration & balance
RPP registration number (masked): RPP•••••ON91. Account balance, defined contribution (masked): $••,•••.