As an employer, am I obliged to contribute to my employees' RRSP+ at the Fonds?

No. The employer's contribution is optional. It's up to you to decide whether you wish to participate in your employees' retirement savings.

Keep in mind that an employer's contributions to their employees' RRSP+ are not subject to employer payroll taxes.¹ They therefore have no impact on employer deductions and contributions, unlike cash bonuses.

Read this article to learn more about the benefits of contributing to your employees' RRSP+.

Legal Notes
Payroll taxes charged to the employer include the Québec Pension Plan (QPP), Employment Insurance (EI), the Québec Parental Insurance Plan (QPIP), the Health Services Fund (HSF) and the Commission des normes, de l’équité, de la santé et de la sécurité du travail (CNESST). Certain contribution rates vary according to the employers specific situation.