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ARTICLE · 14 JANUARY 2015

Ontario Retirement Pension Plan: Implications For Employers

Osler, Hoskin & Harcourt LLP
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The Ontario government is continuing to move forward with its plan to implement an Ontario Retirement Pension Plan (ORPP) for Ontario workers, introducing "framework" legislation and a series of consultation papers late last fall.

CanadaEmployment and HR
Osler, Hoskin & Harcourt LLP
Osler, Hoskin & Harcourt LLP
Paul Litner
Paul Litner
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The Ontario government is continuing to move forward with its plan to implement an Ontario Retirement Pension Plan (ORPP) for Ontario workers, introducing "framework" legislation and a series of consultation papers late last fall.

The ORPP would be a "defined benefit (DB) type of plan" with an employee/employer contribution rate of up to 1.9% each, requiring mandatory participation, subject to exemptions for workers who already participate in a "comparable" workplace pension plan.

While the meaning of comparable workplace pension plan is yet to be finalized, the Ontario government has indicated that its preference is for only DB plans and target benefit multi-employer pension plans (TB MEPP) to be considered comparable. Thereby, employers with defined contribution (DC) plans and/or group registered retirement savings plans (RRSP) would not be exempt.

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