Deferred Profit-Sharing Plan (DPSP)

The Deferred Profit-Sharing Plan is a retirement contribution plan where only the employer can contribute. It is usually offered in addition to a group RRSP to employees. It makes it possible for the employer to contribute on the basis of the company’s earnings and the contributions to the plan are not subject to income tax. The accumulated amounts in the name of the employees remain tax-sheltered as long as they remain within the plan.

The DPSP is greatly appreciated by employers because it is easy to set up and administer. In addition, it makes it possible for employees to participate in the company’s earnings and fosters the development of a sense of belonging.

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