{"id":15092,"date":"2025-10-22T11:32:16","date_gmt":"2025-10-22T16:32:16","guid":{"rendered":"https:\/\/twinn.ca\/?p=15092"},"modified":"2025-11-26T19:24:23","modified_gmt":"2025-11-27T00:24:23","slug":"regime-participation-differee-benefices","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/regime-participation-differee-benefices\/","title":{"rendered":"R\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices, C&rsquo;est quoi?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Quand les employ\u00e9s voient leur entreprise prosp\u00e9rer, il est logique qu\u2019ils profitent eux aussi des r\u00e9sultats. Un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB) concr\u00e9tise cette id\u00e9e en r\u00e9compensant les efforts des \u00e9quipes tout en renfor\u00e7ant la loyaut\u00e9 et la r\u00e9tention. Par exemple, une entreprise technologique en croissance peut utiliser un RPDB pour r\u00e9partir une partie des profits annuels, aidant les employ\u00e9s \u00e0 b\u00e2tir un patrimoine \u00e0 long terme sans alourdir les co\u00fbts salariaux fixes. C\u2019est une fa\u00e7on simple mais strat\u00e9gique de reconna\u00eetre leur contribution tout en soutenant leurs objectifs de retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est souvent l\u00e0 que les questions apparaissent: RPDB c\u2019est quoi? Comment fonctionne un retrait RPDB? Quel est l\u2019impact fiscal  ou les options de transfert RPDB vers REER? Voici comment ces r\u00e9gimes fonctionnent, pourquoi ils s\u00e9duisent autant d\u2019employeurs au Canada, et dans quelles situations ils m\u00e9ritent d\u2019\u00eatre int\u00e9gr\u00e9s \u00e0 vos avantages sociaux.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15092_9269e2-48{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15092_9269e2-48 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15092_9269e2-48 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15092_9269e2-48 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 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.kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id15092_9269e2-48{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-row-layout-id15092_9269e2-48 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15092_9269e2-48{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15092_9269e2-48 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15092_fe7d97-40 > .kt-inside-inner-col,.kadence-column15092_fe7d97-40 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15092_fe7d97-40 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_fe7d97-40 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15092_fe7d97-40 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15092_fe7d97-40 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_fe7d97-40{position:relative;}@media all and (max-width: 1024px){.kadence-column15092_fe7d97-40 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15092_fe7d97-40 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_fe7d97-40\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd, .wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd[data-kb-block=\"kb-adv-heading15092_af8dce-bd\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd[data-kb-block=\"kb-adv-heading15092_af8dce-bd\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd[data-kb-block=\"kb-adv-heading15092_af8dce-bd\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd, .wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd[data-kb-block=\"kb-adv-heading15092_af8dce-bd\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd, .wp-block-kadence-advancedheading.kt-adv-heading15092_af8dce-bd[data-kb-block=\"kb-adv-heading15092_af8dce-bd\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading15092_af8dce-bd wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15092_af8dce-bd\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_093ad5-fa:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_093ad5-fa ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_093ad5-fa ul.kt-svg-icon-list{grid-row-gap:20px;}.kt-svg-icon-list-items15092_093ad5-fa ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_093ad5-fa kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_cdd3e7-12 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15092_cdd3e7-12 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_cdd3e7-12\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB) permet \u00e0 l\u2019employeur de partager les profits avec les employ\u00e9s de fa\u00e7on fiscalement avantageuse.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_9d621a-e7 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15092_9d621a-e7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_9d621a-e7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Seul l\u2019employeur cotise, mais les employ\u00e9s b\u00e9n\u00e9ficient directement de la croissance des placements et des rendements compos\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_3c8e80-ce .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15092_3c8e80-ce .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_3c8e80-ce\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les RPDB peuvent aligner les objectifs de l\u2019entreprise et des employ\u00e9s, en r\u00e9compensant la performance sans augmenter la masse salariale.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_c77967-53 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15092_c77967-53 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_c77967-53\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Ils compl\u00e8tent d\u2019autres outils comme les REER collectifs ou les CELIAPP.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_6f427d-09 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-15092_6f427d-09 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_6f427d-09\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Bien con\u00e7u, un RPDB peut am\u00e9liorer la r\u00e9tention, l\u2019engagement et l\u2019attractivit\u00e9 globale de votre programme d\u2019avantages sociaux.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-deferred-profit-sharing-plan\">Qu\u2019est-ce qu\u2019un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB) est un r\u00e9gime enregistr\u00e9 qui permet \u00e0 l\u2019employeur de partager une partie des profits avec ses employ\u00e9s au moyen de cotisations diff\u00e9r\u00e9es d\u2019imp\u00f4t. Au lieu de verser une prime en argent imposable, l\u2019employeur d\u00e9pose un montant dans le compte RPDB de chaque employ\u00e9, o\u00f9 les fonds croissent jusqu\u2019au retrait, g\u00e9n\u00e9ralement au moment de la retraite ou lorsque l\u2019employ\u00e9 quitte l\u2019entreprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, les cotisations \u00e0 un RPDB sont discr\u00e9tionnaires: l\u2019employeur choisit quand et combien verser selon la performance de l\u2019entreprise. Cette souplesse est particuli\u00e8rement utile pour les organisations dont les profits varient, comme les entreprises saisonni\u00e8res ou bas\u00e9es sur des projets. <br><br>Dans une strat\u00e9gie d\u2019\u00e9pargne collective compl\u00e8te, un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices peut \u00e9tablir un lien entre motivation \u00e0 court terme et bien-\u00eatre financier \u00e0 long terme. <\/p>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\" id=\"how-a-dpsp-differs-from-informal-profit-sharing\">En quoi un RPDB diff\u00e8re-t-il d\u2019un partage des profits informel?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un partage des profits informel consiste simplement \u00e0 verser une prime en argent, imm\u00e9diatement imposable pour l\u2019employ\u00e9. Un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB), en revanche, est un r\u00e9gime enregistr\u00e9 aupr\u00e8s de l\u2019ARC o\u00f9 les cotisations croissent \u00e0 l\u2019abri de l\u2019imp\u00f4t. Contrairement aux ententes informelles, un RPDB respecte des r\u00e8gles pr\u00e9cises en mati\u00e8re d\u2019admissibilit\u00e9, d\u2019acquisition des droits et de retrait (rpdb retrait, transfert RPDB vers REER, etc.), ce qui en fait un avantage structur\u00e9 \u00e0 long terme plut\u00f4t qu\u2019un paiement ponctuel.<\/p>\n\n\n<style>.kb-image15092_d9baef-90 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15092_d9baef-90 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/business-people-with-whiteboard-brainstorming-project-ideas-for-business-with-deferred-profit-sharing-plan.webp\" alt=\"employ\u00e9s en r\u00e9union devant un tableau \u00e9laborant des id\u00e9es li\u00e9es \u00e0 un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices.\" class=\"kb-img wp-image-15032\" title=\"employ\u00e9s en r\u00e9union devant un tableau \u00e9laborant des id\u00e9es li\u00e9es \u00e0 un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices.\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/business-people-with-whiteboard-brainstorming-project-ideas-for-business-with-deferred-profit-sharing-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/business-people-with-whiteboard-brainstorming-project-ideas-for-business-with-deferred-profit-sharing-plan-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/business-people-with-whiteboard-brainstorming-project-ideas-for-business-with-deferred-profit-sharing-plan-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-add-a-dpsp-to-your-team-s-benefits-plan\">Pourquoi ajouter un RPDB \u00e0 votre programme d\u2019avantages sociaux?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Int\u00e9grer un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices \u00e0 votre offre d\u2019avantages d\u00e9montre que vous valorisez autant la performance que le partenariat. Au-del\u00e0 de l\u2019\u00e9pargne-retraite, un RPDB permet \u00e0 l\u2019employeur de partager son succ\u00e8s d\u2019ann\u00e9e en ann\u00e9e, renfor\u00e7ant la loyaut\u00e9 et l\u2019engagement des \u00e9quipes. Voici pourquoi de nombreuses entreprises au Canada ajoutent un RPDB \u00e0 leurs programmes d\u2019assurance, d\u2019\u00e9pargne et de mieux-\u00eatre.<\/p>\n\n\n<style>.kb-row-layout-id15092_29396c-02 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15092_29396c-02 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15092_29396c-02 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id15092_29396c-02 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15092_29396c-02 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id15092_29396c-02 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15092_29396c-02 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15092_28a238-d5 > .kt-inside-inner-col,.kadence-column15092_28a238-d5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15092_28a238-d5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_28a238-d5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15092_28a238-d5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15092_28a238-d5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_28a238-d5{position:relative;}@media all and (max-width: 1024px){.kadence-column15092_28a238-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15092_28a238-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_28a238-d5\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"benefits-for-employers-1\">Avantages pour les employeurs<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_65c08d-af:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_65c08d-af ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_65c08d-af ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_65c08d-af ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_65c08d-af ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_65c08d-af kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_e6077c-91 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_e6077c-91\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Motiver et retenir les talents cl\u00e9s<\/strong>: le RPDB lie directement performance et profits, ce qui encourage l\u2019implication \u00e0 long terme.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_bc2cf1-a1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_bc2cf1-a1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Cotisations flexibles<\/strong>: vous choisissez le montant et la fr\u00e9quence selon la rentabilit\u00e9 annuelle.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_6ed997-df .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_6ed997-df\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Efficacit\u00e9 fiscale<\/strong>: les cotisations sont d\u00e9ductibles pour l\u2019entreprise et exemptes de charges sociales.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_759dbc-bb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_759dbc-bb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Administration simple<\/strong>: les r\u00e9gimes peuvent \u00eatre mis en place rapidement via les grands assureurs.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_b76572-86 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_b76572-86\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Aucune obligation de financement \u00e0 long terme<\/strong>: les cotisations peuvent varier chaque ann\u00e9e, pratique en p\u00e9riode plus lente.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15092_d830b5-00 > .kt-inside-inner-col,.kadence-column15092_d830b5-00 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15092_d830b5-00 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_d830b5-00 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15092_d830b5-00 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15092_d830b5-00 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_d830b5-00{position:relative;}@media all and (max-width: 1024px){.kadence-column15092_d830b5-00 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15092_d830b5-00 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_d830b5-00\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"benefits-for-employees-1\">Avantages pour les employ\u00e9s<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_48dfbc-ac:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_48dfbc-ac ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_48dfbc-ac ul.kt-svg-icon-list{grid-row-gap:11px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_48dfbc-ac ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_48dfbc-ac ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_48dfbc-ac kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_b7ac0e-0d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_b7ac0e-0d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u00c9pargne financ\u00e9e par l\u2019employeur<\/strong>: aucune contribution personnelle requise.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_686484-ae .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_686484-ae\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t<\/strong>: similaire aux r\u00e8gles d\u2019un REER.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_52a130-c6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_52a130-c6\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Sentiment d\u2019appartenance<\/strong>: quand l\u2019entreprise prosp\u00e8re, les employ\u00e9s en profitent directement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_22411b-eb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_22411b-eb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u00c9pargne transf\u00e9rable<\/strong>: en quittant l\u2019entreprise, les fonds peuvent \u00eatre transf\u00e9r\u00e9s vers un REER (transfert RPDB).<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_aa6276-69 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_aa6276-69\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Pas d\u2019imp\u00f4t imm\u00e9diat<\/strong>: l\u2019imposition survient seulement au moment du retrait.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"how-dpsps-differ-from-other-savings-or-pension-plans\">En quoi les RPDB diff\u00e8rent-ils des autres r\u00e9gimes d\u2019\u00e9pargne ou de retraite?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut \u00eatre difficile de distinguer toutes les options d\u2019\u00e9pargne collective. Comprendre comment un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices se compare aux autres programmes est essentiel pour choisir ce qui convient \u00e0 votre entreprise. Voici un aper\u00e7u des diff\u00e9rences cl\u00e9s.<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull is-style-stripes\"><table class=\"has-theme-palette-7-background-color has-background\" style=\"border-width:2px\"><thead><tr><th><strong>Type de r\u00e9gime<\/strong><\/th><th><strong>Meilleure utilisation en milieu de travail<\/strong><\/th><th><strong>Principal avantage<\/strong><\/th><th><strong>Limitation des cl\u00e9s<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong><strong>RPDB<\/strong> (r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices)<\/strong><\/td><td>R\u00e9compenser les employ\u00e9s lorsque les profits sont forts<\/td><td>Encourage la fid\u00e9lit\u00e9 et relie le paiement \u00e0 la performance<\/td><td>L\u2019employeur doit avoir des profits constants pour le financer<\/td><\/tr><tr><td><strong>REER collectif<\/strong><\/td><td>B\u00e2tir des \u00e9conomies constantes \u00e0 long terme<\/td><td>Contributions partag\u00e9es et d\u00e9ductions faciles sur la paie<\/td><td>Ajoute un co\u00fbt r\u00e9current pour la contrepartie de l\u2019employeur<\/td><\/tr><tr><td><strong>R\u00e9gime de pension (PD ou CD)<\/strong><\/td><td>Fournir un revenu de retraite structur\u00e9<\/td><td>S\u00e9curit\u00e9 de retraite pr\u00e9visible pour le personnel<\/td><td>Administration stricte et surveillance r\u00e9glementaire<\/td><\/tr><tr><td><strong>CELI<\/strong><\/td><td>Soutenir les objectifs flexibles et \u00e0 court terme des employ\u00e9s<\/td><td>Les retraits sont exempts d\u2019imp\u00f4t et simples<\/td><td>Financ\u00e9 uniquement par des employ\u00e9s, non par l\u2019employeur<\/td><\/tr><tr><td><strong>CELIAPP<\/strong><\/td><td>Aider les jeunes employ\u00e9s \u00e0 \u00e9conomiser pour une premi\u00e8re maison<\/td><td>Combine des avantages fiscaux avec un objectif clair<\/td><td>But pr\u00e9cis \u2014 limit\u00e9 \u00e0 la propri\u00e9t\u00e9 immobili\u00e8re<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"how-to-decide-if-a-dpsp-is-right-for-your-company\">Comment savoir si un RPDB convient \u00e0 votre entreprise?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices offre une flexibilit\u00e9 que les r\u00e9gimes traditionnels n\u2019ont pas. Au lieu de cotisations fixes, vous partagez vos profits lorsqu\u2019ils sont au rendez-vous, ce qui r\u00e9compense les employ\u00e9s sans engagements financiers \u00e0 long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment \u00e7a se compare :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_fc1c5c-c8:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_fc1c5c-c8 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_fc1c5c-c8 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_fc1c5c-c8 .kb-svg-icon-wrap{color:var(--global-palette3, #1A202C);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_fc1c5c-c8 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_fc1c5c-c8 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_fc1c5c-c8 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_ca47e7-e1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_ca47e7-e1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">DPSP :<\/mark><\/strong> C\u2019est id\u00e9al pour partager le succ\u00e8s et augmenter la r\u00e9tention sans co\u00fbts de paie fixes. <strong>C\u2019est parfait pour les entreprises avec des profits variables.<\/strong><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_65a29a-79 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_65a29a-79\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">REER collectif :<\/mark><\/strong> Id\u00e9al pour <strong>une \u00e9pargne stable, pr\u00e9visible<\/strong> et un jumelage par l\u2019employeur. Cr\u00e9e des habitudes constantes mais ajoute des d\u00e9penses r\u00e9currentes. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_317999-fe .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_317999-fe\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">R\u00e9gime de pension :<\/mark><\/strong> Assure <strong>une s\u00e9curit\u00e9 et une structure \u00e0 long terme<\/strong> , mais n\u00e9cessite une administration importante et un financement continu.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_59cf0d-61 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_59cf0d-61\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">CELI :<\/mark><\/strong> Aide les employ\u00e9s \u00e0 atteindre <strong>des objectifs \u00e0 court terme ou \u00e0 constituer des \u00e9conomies d\u2019urgence<\/strong>. Enti\u00e8rement financ\u00e9 par les employ\u00e9s. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_271665-29 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_271665-29\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">CELIAPP :<\/mark><\/strong> Parfait pour les jeunes <strong>employ\u00e9s qui \u00e9conomisent pour une premi\u00e8re maison<\/strong>; limit\u00e9e \u00e0 la propri\u00e9t\u00e9, mais tr\u00e8s fiscalement efficace.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices s\u2019int\u00e8gre particuli\u00e8rement bien lorsque vous cherchez flexibilit\u00e9, motivation et un lien clair entre performance et r\u00e9compense. Il peut aussi \u00eatre jumel\u00e9 \u00e0 d\u2019autres r\u00e9gimes pour renforcer l\u2019ensemble de votre strat\u00e9gie d\u2019avantages sociaux, ce que nous d\u00e9taillerons plus loin dans l\u2019article.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"risks-and-limitations-of-dpsps-employers-need-to-understand\">Risques et limites des RPDB que les employeurs doivent conna\u00eetre<\/h3>\n\n\n<style>.kt-accordion-id15092_77ed1e-da .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:8px;}.kt-accordion-id15092_77ed1e-da .kt-accordion-panel-inner{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id15092_77ed1e-da > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 767px){.kt-accordion-id15092_77ed1e-da .kt-accordion-inner-wrap{display:block;}.kt-accordion-id15092_77ed1e-da .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:8px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id15092_77ed1e-da kt-accordion-has-4-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane15092_3be912-ea\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Plafonds de cotisation qui limitent votre soutien total<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Les RPDB sont encadr\u00e9s par des plafonds stricts \u00e9tablis par l\u2019ARC: jusqu\u2019\u00e0 18 % du salaire d\u2019un employ\u00e9 ou la moiti\u00e9 du plafond annuel du REER, selon le moins \u00e9lev\u00e9. Cela signifie qu\u2019un employeur ne peut pas offrir des cotisations tr\u00e8s \u00e9lev\u00e9es uniquement au moyen d\u2019un RPDB. Par exemple, si la limite REER est de 30 780 $, la cotisation maximale au RPDB serait de 15 390 $ par employ\u00e9. Les entreprises souhaitant offrir des avantages de retraite plus g\u00e9n\u00e9reux combinent souvent le RPDB avec un REER collectif ou un r\u00e9gime de pension.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane15092_9464ee-a0\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Impact sur le plafond REER des employ\u00e9s<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Les cotisations au RPDB r\u00e9duisent le droit de cotisation REER l\u2019ann\u00e9e suivante, car elles cr\u00e9ent un facteur d\u2019\u00e9quivalence (FE). Les employ\u00e9s qui maximisent leurs REER chaque ann\u00e9e peuvent \u00eatre d\u00e9\u00e7us si vos cotisations limitent leur propre marge de cotisation. Exemple: si vous versez 5 000 $ dans un RPDB, le plafond REER de l\u2019ann\u00e9e suivante diminue de 5 000 $. Cela doit \u00eatre communiqu\u00e9 clairement afin d\u2019\u00e9viter les malentendus.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane15092_25ec24-d7\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Complexit\u00e9 administrative et communication accrues<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Contrairement \u00e0 une prime informelle, un RPDB exige une inscription aupr\u00e8s de l\u2019ARC, des rapports annuels, des r\u00e8gles d\u2019acquisition, et une documentation r\u00e9glement\u00e9e. Pour une petite entreprise sans \u00e9quipe RH ou finances sp\u00e9cialis\u00e9e en r\u00e9gimes de retraite, cela peut repr\u00e9senter un d\u00e9fi. Les employ\u00e9s doivent aussi comprendre le fonctionnement du r\u00e9gime (admissibilit\u00e9, acquisition, retraits). Sans explications, l\u2019avantage risque d\u2019\u00eatre sous-estim\u00e9.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane15092_1fc9f3-2b\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Perception n\u00e9gative si les profits sont volatils<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Un RPDB fonctionne mieux lorsque les profits sont suffisamment stables pour soutenir des cotisations r\u00e9guli\u00e8res. Si les montants fluctuent trop, le r\u00e9gime peut sembler impr\u00e9visible. Par exemple, contribuer 2 000 $ par employ\u00e9 une ann\u00e9e et 0 $ l\u2019ann\u00e9e suivante peut miner le moral si l\u2019avantage avait \u00e9t\u00e9 pr\u00e9sent\u00e9 comme un \u00ab partage des profits \u00bb stable. Une communication interne claire est essentielle.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-dpsps-work\">Fonctionnement d\u2019un RPDB<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices peut sembler technique, mais son principe est simple: permettre aux employ\u00e9s de partager les profits de l\u2019entreprise tout en d\u00e9fiscalisant les cotisations jusqu\u2019au retrait. L\u2019employeur cotise au nom de ses employ\u00e9s, et les fonds croissent gr\u00e2ce aux placements, un peu comme un REER collectif mais enti\u00e8rement financ\u00e9 par l\u2019employeur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Voici comment cela se structure:<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_bda9db-59:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_bda9db-59 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;column-gap:18px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_bda9db-59 ul.kt-svg-icon-list{grid-row-gap:24px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_bda9db-59 .kb-svg-icon-wrap{font-size:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_bda9db-59 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_bda9db-59 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (min-width: 1025px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_bda9db-59:not(.kt-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_bda9db-59:not(.kt-tablet-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_bda9db-59:not(.kt-mobile-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_bda9db-59 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_4e8f2c-71 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_4e8f2c-71\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Qui est admissible :<\/mark><\/strong> Tout employ\u00e9 \u00e0 temps plein ou \u00e0 temps partiel que votre entreprise choisit d\u2019inclure. Les employeurs peuvent aussi \u00e9tablir des r\u00e8gles de participation, comme une p\u00e9riode d\u2019emploi minimale avant l\u2019adh\u00e9sion. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_6c2a1e-df .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_6c2a1e-df\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">R\u00e8gles de contribution :<\/mark><\/strong> L\u2019employeur choisit chaque ann\u00e9e s\u2019il contribue, combien, et pour qui, dans les limites de l\u2019ARC (<a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/administrateurs-regimes-enregistres\/regimes-participation-differee-benefices\/cotisations.html\" data-type=\"link\" data-id=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/administrateurs-regimes-enregistres\/regimes-participation-differee-benefices\/cotisations.html\" target=\"_blank\" rel=\"noopener\">18 % de la r\u00e9mun\u00e9ration ou le maximum annuel<\/a>). Aucune obligation en ann\u00e9e difficile.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_6e0d76-92 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_6e0d76-92\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>P\u00e9riode d\u2019acquisition des droits (vesting) :<\/strong> <\/mark>Jusqu\u2019\u00e0 deux ans. Si l\u2019employ\u00e9 quitte avant, la portion non acquise retourne \u00e0 l\u2019employeur, renfor\u00e7ant la r\u00e9tention.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_bd3e0b-0a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_bd3e0b-0a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Administration :<\/mark><\/strong> G\u00e9n\u00e9ralement g\u00e9r\u00e9e par l\u2019assureur ou votre conseiller en avantages sociaux. Ils s\u2019occupent de la conformit\u00e9, des relev\u00e9s et du suivi, tandis que l\u2019employeur g\u00e8re les cotisations et la communication.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_931dc5-b9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_931dc5-b9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Investissement :<\/mark><\/strong> Les cotisations sont investies dans des fonds communs, CPG ou portefeuilles offerts par des fournisseurs comme Sun Life, Manuvie ou RBC Assurances. Les employ\u00e9s peuvent souvent choisir un profil selon leur tol\u00e9rance au risque.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_893590-e7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_893590-e7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Retraits et transferts :<\/mark><\/strong> En quittant ou en prenant leur retraite, les employ\u00e9s peuvent transf\u00e9rer leurs fonds dans un REER ou un FERR sans imp\u00f4t. Les retraits directs sont permis mais imposables. Le transfert RPDB vers REER demeure l\u2019option la plus avantageuse.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.kb-image15092_db2b63-52 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15092_db2b63-52 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/doctors-shaking-hands-with-each-other.webp\" alt=\"\" class=\"kb-img wp-image-15067\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/doctors-shaking-hands-with-each-other.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/doctors-shaking-hands-with-each-other-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/doctors-shaking-hands-with-each-other-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"how-and-when-contributions-of-dpsp-are-allocated-to-employees\">Comment et quand les cotisations d\u2019un RPDB sont-elles attribu\u00e9es aux employ\u00e9s?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Dans un RPDB, l\u2019employeur d\u00e9cide du moment et du montant des cotisations, souvent apr\u00e8s la confirmation des r\u00e9sultats financiers. Les cotisations sont ensuite r\u00e9parties selon une formule, par exemple un pourcentage du salaire ou une part d\u2019un pool bas\u00e9 sur les profits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemple: si l\u2019entreprise r\u00e9alise 500 000 $ de profit et attribue 3 % du salaire en RPDB, un employ\u00e9 gagnant 60 000 $ recevra 1 800 $ dans son compte. Ce montant est \u00e0 imposition diff\u00e9r\u00e9e et fructifie jusqu\u2019au retrait selon les r\u00e8gles du r\u00e9gime.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"tax-treatment\">Traitement fiscal<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les avantages fiscaux d\u2019un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices expliquent en grande partie sa popularit\u00e9 aupr\u00e8s des employeurs canadiens.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_3086af-fb:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_3086af-fb ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_3086af-fb ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_3086af-fb ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_3086af-fb ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_3086af-fb kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_f1db45-1c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_f1db45-1c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>C\u00f4t\u00e9 employeur :<\/strong> Les cotisations sont des d\u00e9penses d\u2019entreprise d\u00e9ductibles et ne sont pas soumises aux cotisations au RPC\/RRQ ni \u00e0 l\u2019assurance-emploi.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_5128c3-c3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_5128c3-c3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>C\u00f4t\u00e9 employ\u00e9 :<\/strong> Les cotisations ne sont pas consid\u00e9r\u00e9es comme un revenu imposable tant qu\u2019elles restent dans le r\u00e9gime, ce qui permet \u00e0 l\u2019\u00e9pargne de cro\u00eetre \u00e0 l\u2019abri de l\u2019imp\u00f4t.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_c6b62d-a2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_c6b62d-a2\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Lorsque les fonds sont retir\u00e9s :<\/strong> Les fonds sont impos\u00e9s au taux marginal de l\u2019employ\u00e9, souvent plus faible \u00e0 la retraite.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_32df17-ab .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_32df17-ab\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>D\u00e9clarations fiscales :<\/strong> Toute l\u2019activit\u00e9 est consign\u00e9e sur le feuillet T4 de l\u2019employ\u00e9, pr\u00e9par\u00e9 automatiquement par le fournisseur du r\u00e9gime.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple :<\/strong><br>Si un employeur contribue 2 000 $ au DPSP d\u2019un employ\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019employ\u00e9 paie 0 $ d\u2019imp\u00f4t cette ann\u00e9e-l\u00e0 sur la cotisation.<\/li>\n\n\n\n<li>L\u2019employeur d\u00e9duit la totalit\u00e9 des 2 000 $ comme d\u00e9pense d\u2019entreprise et \u00e9vite le CPP\/EI, \u00e9conomisant environ 104 $ (en supposant 5,95% de la part employeur du CPP + 2,32% de la part de l\u2019employeur de l\u2019EI sur un bonus en esp\u00e8ces comparable).<\/li>\n\n\n\n<li>Si l\u2019employ\u00e9 laisse les 2 000 $ investis et que celui-ci augmente de 5% par ann\u00e9e, le solde devient 2 552 $ apr\u00e8s 5 ans \u2014 toujours diff\u00e9r\u00e9 d\u2019imp\u00f4t.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lorsque les fonds sont retir\u00e9s :<\/strong> Ils sont impos\u00e9s au taux marginal de l\u2019employ\u00e9, g\u00e9n\u00e9ralement plus bas \u00e0 la retraite.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"tranches-d-imposition-federales-canada\">Tranches d\u2019imposition f\u00e9d\u00e9rales (Canada):<\/h5>\n\n\n\n<figure class=\"wp-block-table alignfull\"><table><thead><tr><th><strong>Fourchette de revenus<\/strong><\/th><th><strong>Taux marginal<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Jusqu\u2019\u00e0 ~55 000 $<\/td><td><strong>15%<\/strong><\/td><\/tr><tr><td>~55 000 $ \u00e0 110 000 $<\/td><td><strong>20.5%<\/strong><\/td><\/tr><tr><td>~110 000 $ \u00e0 155 000 $<\/td><td><strong>26%<\/strong><\/td><\/tr><tr><td>~155 000 $ \u00e0 221 000 $<\/td><td><strong>29%<\/strong><\/td><\/tr><tr><td>~221 000$+<\/td><td><strong>33%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les provinces ajoutent leur propre taux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En bref<\/strong>, tout le monde y gagne: l\u2019employeur r\u00e9duit son revenu imposable et l\u2019employ\u00e9 retarde le sien jusqu\u2019au moment o\u00f9 il sera fiscalement avantageux de retirer les fonds.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15092_5306a0-41{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15092_5306a0-41 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15092_5306a0-41 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15092_5306a0-41 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 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.kadence-column15092_0fd3b9-3e{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_0fd3b9-3e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_0fd3b9-3e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15092_0fd3b9-3e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_0fd3b9-3e{text-align:left;}.kadence-column15092_0fd3b9-3e{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15092_0fd3b9-3e{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_0fd3b9-3e{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_0fd3b9-3e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15092_0fd3b9-3e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15092_0fd3b9-3e{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_0fd3b9-3e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_0fd3b9-3e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15092_0fd3b9-3e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_0fd3b9-3e kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a, .wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a[data-kb-block=\"kb-adv-heading15092_fc3968-6a\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a[data-kb-block=\"kb-adv-heading15092_fc3968-6a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a[data-kb-block=\"kb-adv-heading15092_fc3968-6a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a, .wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a[data-kb-block=\"kb-adv-heading15092_fc3968-6a\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a, .wp-block-kadence-advancedheading.kt-adv-heading15092_fc3968-6a[data-kb-block=\"kb-adv-heading15092_fc3968-6a\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15092_fc3968-6a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15092_fc3968-6a\">Pr\u00eat \u00e0 b\u00e2tir une strat\u00e9gie d\u2019\u00e9pargne plus efficace?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58, .wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58[data-kb-block=\"kb-adv-heading15092_ab9fac-58\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58[data-kb-block=\"kb-adv-heading15092_ab9fac-58\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58[data-kb-block=\"kb-adv-heading15092_ab9fac-58\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58, .wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58[data-kb-block=\"kb-adv-heading15092_ab9fac-58\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58, .wp-block-kadence-advancedheading.kt-adv-heading15092_ab9fac-58[data-kb-block=\"kb-adv-heading15092_ab9fac-58\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15092_ab9fac-58 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15092_ab9fac-58\">Concevoir la bonne combinaison de r\u00e9gimes collectifs demande plus qu\u2019un simple instinct. Chez TWINN, nous aidons les employeurs \u00e0 int\u00e9grer le RPDB et d\u2019autres avantages dans une strat\u00e9gie coh\u00e9rente qui renforce la r\u00e9tention, la conformit\u00e9 et la confiance des employ\u00e9s.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15092_511f66-66 > .kt-inside-inner-col{display:flex;}.kadence-column15092_511f66-66 > .kt-inside-inner-col,.kadence-column15092_511f66-66 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15092_511f66-66 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_511f66-66 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15092_511f66-66 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15092_511f66-66{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_511f66-66{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_511f66-66 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15092_511f66-66 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_511f66-66{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15092_511f66-66{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_511f66-66{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_511f66-66 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column15092_511f66-66 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15092_511f66-66{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_511f66-66{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_511f66-66 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15092_511f66-66 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_511f66-66\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07, .wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07, .wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07, .wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading15092_f4721f-07[data-kb-block=\"kb-adv-heading15092_f4721f-07\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading15092_f4721f-07 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading15092_f4721f-07\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns15092_4540e1-54{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15092_4540e1-54 .kt-button{font-weight:normal;font-style:normal;}.kt-btns15092_4540e1-54 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15092_4540e1-54 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15092_4540e1-54 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15092_4540e1-54 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns15092_4540e1-54 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns15092_4540e1-54 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15092_4540e1-54 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns15092_4540e1-54{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns15092_4540e1-54{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns15092_4540e1-54\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn15092_2b836a-99.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn15092_2b836a-99.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn15092_2b836a-99 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"governance-compliance-and-cra-rules-you-can-t-ignore\">Gouvernance, conformit\u00e9 et r\u00e8gles de l\u2019ARC<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Un RPDB doit \u00eatre enregistr\u00e9 aupr\u00e8s de l\u2019ARC, ce qui exige de soumettre un texte de r\u00e9gime officiel d\u00e9crivant l\u2019admissibilit\u00e9, les formules de cotisation et les r\u00e8gles d\u2019acquisition des droits. Les employeurs doivent respecter des obligations strictes: plafonds de cotisation, relev\u00e9s annuels, et d\u00e9clarations comme les T4\/T4A et le rapport annuel du RPDB.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En tant que promoteur du r\u00e9gime, l\u2019employeur assume aussi des responsabilit\u00e9s fiduciaires, notamment:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>veiller \u00e0 ce que les placements propos\u00e9s soient prudents et adapt\u00e9s aux employ\u00e9s<\/li>\n\n\n\n<li>tenir des registres pr\u00e9cis<\/li>\n\n\n\n<li>assurer une r\u00e9partition \u00e9quitable des cotisations<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"integrating-a-dpsp-into-your-benefits-plan\">Int\u00e9grer un RPDB \u00e0 votre programme d\u2019avantages sociaux<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ajouter un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices \u00e0 votre ensemble d\u2019avantages n\u2019est pas compliqu\u00e9; il suffit d\u2019une structure claire. L\u2019objectif est d\u2019harmoniser le RPDB avec les autres programmes d\u2019\u00e9pargne et de mieux-\u00eatre pour que les employ\u00e9s le per\u00e7oivent comme une composante coh\u00e9rente, et non comme un avantage isol\u00e9.<\/p>\n\n\n<style>.kb-row-layout-id15092_53fa10-25 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15092_53fa10-25 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15092_53fa10-25 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);}.kb-row-layout-id15092_53fa10-25 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id15092_53fa10-25 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id15092_53fa10-25 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15092_53fa10-25 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id15092_53fa10-25 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id15092_53fa10-25 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15092_53fa10-25 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15092_53fa10-25 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-4-columns kt-row-layout-two-grid kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column15092_76a1da-12 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15092_76a1da-12 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column15092_76a1da-12 > .kt-inside-inner-col,.kadence-column15092_76a1da-12 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15092_76a1da-12 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_76a1da-12 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15092_76a1da-12 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15092_76a1da-12 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_76a1da-12{position:relative;}@media all and (max-width: 1024px){.kadence-column15092_76a1da-12 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15092_76a1da-12 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_76a1da-12\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape 1 : Collaborer avec des fournisseurs de confiance<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_01e14b-3d:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_01e14b-3d ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_01e14b-3d ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_01e14b-3d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_01e14b-3d ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_01e14b-3d kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_06670e-65 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_06670e-65\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Travaillez avec un conseiller et des assureurs sp\u00e9cialis\u00e9s. Ils vous aideront \u00e0: <\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_545b3d-09:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_545b3d-09 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_545b3d-09 ul.kt-svg-icon-list{grid-row-gap:18px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_545b3d-09 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_545b3d-09 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_545b3d-09 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_41bd7a-85 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_41bd7a-85\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">comparer les mod\u00e8les d\u2019administration et les options de placement<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_7eed52-bc .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_7eed52-bc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">aligner le RPDB sur les exigences de l\u2019ARC<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_e61257-bb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_e61257-bb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">simplifier l\u2019int\u00e9gration \u00e0 la paie et les rapports annuels<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15092_c7ef26-37 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15092_c7ef26-37 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column15092_c7ef26-37 > .kt-inside-inner-col,.kadence-column15092_c7ef26-37 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15092_c7ef26-37 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_c7ef26-37 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15092_c7ef26-37 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15092_c7ef26-37 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_c7ef26-37{position:relative;}@media all and (max-width: 1024px){.kadence-column15092_c7ef26-37 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15092_c7ef26-37 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_c7ef26-37\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape 2 : Concevoir le programme<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_2c4e68-68:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_2c4e68-68 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:var(--global-kb-spacing-xxs, 0.5rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_2c4e68-68 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_2c4e68-68 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_2c4e68-68 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_2c4e68-68 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_e7145b-ba .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_e7145b-ba\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">D\u00e9cidez comment le plan s\u2019adaptera \u00e0 la culture et au budget de votre entreprise :<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<ol style=\"padding-right:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30);line-height:1.9\" class=\"wp-block-list\">\n<li style=\"margin-top:0;margin-right:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--40)\">D\u00e9terminer les formules de contribution (pourcentage des profits ou primes fixes)<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-right:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--40)\">\u00c9tablir les r\u00e8gles d\u2019admissibilit\u00e9 et d\u2019acquisition des droits<\/li>\n\n\n\n<li style=\"margin-top:var(--wp--preset--spacing--20);margin-right:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--40)\">Aligner avec d\u2019autres r\u00e9gimes comme les <span style=\"text-decoration: underline;\">CELIAPP<\/span> ou REER collectifs pour encourager une \u00e9pargne \u00e9quilibr\u00e9e<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n<style>.kadence-column15092_a38254-91 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15092_a38254-91 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column15092_a38254-91 > .kt-inside-inner-col,.kadence-column15092_a38254-91 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15092_a38254-91 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_a38254-91 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15092_a38254-91 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15092_a38254-91 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_a38254-91{position:relative;}@media all and (max-width: 1024px){.kadence-column15092_a38254-91 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15092_a38254-91 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_a38254-91\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape 3 : Communiquer et encourager la participation<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Utilisez des documents d\u2019int\u00e9gration, des ressources intranet ou des s\u00e9ances d\u2019information pour expliquer :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_7ecc63-01:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_7ecc63-01 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_7ecc63-01 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_7ecc63-01 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_7ecc63-01 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_7ecc63-01 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_af02c0-33 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_af02c0-33\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Comment fonctionne le plan de partage diff\u00e9r\u00e9 des profits<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_9507ca-07 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_9507ca-07\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Comment les employ\u00e9s b\u00e9n\u00e9ficient des contributions bas\u00e9es sur le profit<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_25b693-e9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_25b693-e9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Que se passe-t-il avec leurs fonds s\u2019ils partent ou prennent leur retraite<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15092_f06924-50 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:0px;padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column15092_f06924-50 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column15092_f06924-50 > .kt-inside-inner-col,.kadence-column15092_f06924-50 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column15092_f06924-50 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_f06924-50 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15092_f06924-50 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15092_f06924-50 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_f06924-50{position:relative;}@media all and (max-width: 1024px){.kadence-column15092_f06924-50 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15092_f06924-50 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_f06924-50\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--20)\"><strong>\u00c9tape 4 : Surveillez et ajustez<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s le lancement, suivez les taux de participation et recueillez vos commentaires.  <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_687779-37:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_687779-37 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_687779-37 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_687779-37 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_687779-37 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_687779-37 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_b8a60f-4d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_b8a60f-4d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Utilisez les donn\u00e9es pour affiner les calendriers de cotisation, les modalit\u00e9s d\u2019acquisition ou les strat\u00e9gies de communication.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque les employ\u00e9s voient leurs \u00e9conomies augmenter d\u2019ann\u00e9e en ann\u00e9e, l\u2019engagement a tendance \u00e0 suivre.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-image15092_59fae5-14 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15092_59fae5-14 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/smiling-successful-businesspeople-showing-thumb-up-sign-office.webp\" alt=\"\" class=\"kb-img wp-image-15068\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/smiling-successful-businesspeople-showing-thumb-up-sign-office.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/smiling-successful-businesspeople-showing-thumb-up-sign-office-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/10\/smiling-successful-businesspeople-showing-thumb-up-sign-office-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"designing-a-dpsp-strategy\">Concevoir une strat\u00e9gie de RPDB<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La premi\u00e8re \u00e9tape consiste \u00e0 d\u00e9terminer qui deviendra admissible au r\u00e9gime. Les employeurs imposent souvent une p\u00e9riode d\u2019attente (par exemple 6 ou 12 mois) ou r\u00e9servent l\u2019acc\u00e8s aux employ\u00e9s \u00e0 temps plein afin de ma\u00eetriser les co\u00fbts et de s\u2019assurer que les cotisations profitent aux membres les plus stables de l\u2019\u00e9quipe. La deuxi\u00e8me d\u00e9cision cl\u00e9 concerne la formule de cotisation. Elle peut \u00eatre un pourcentage fixe du salaire, un montant discr\u00e9tionnaire li\u00e9 aux profits annuels, ou encore un syst\u00e8me de paliers bas\u00e9 sur le poste ou la performance. Ces choix influencent la pr\u00e9visibilit\u00e9 budg\u00e9taire du r\u00e9gime ainsi que son effet motivateur pour les employ\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"examples-and-simple-formulas\">Exemples et formules simples<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Exemple de r\u00e8gles d\u2019admissibilit\u00e9 :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>P\u00e9riode d\u2019attente : Les employ\u00e9s sont admissibles <strong>apr\u00e8s 12 mois<\/strong> de service.<\/li>\n\n\n\n<li>Exigence de statut : Seuls les employ\u00e9s travaillant <strong>30+ heures\/semaine<\/strong> sont admissibles.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Exemples de formules de contribution :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Formule de pourcentage fixe :<\/strong><br>Contribution de l\u2019employeur = Salaire de l\u2019employ\u00e9 \u00d7 3%<br><em>L\u2019employ\u00e9 gagnant 70 000 $ re\u00e7oit <\/em>2 100 $.<\/li>\n\n\n\n<li><strong>Formule bas\u00e9e sur le profit :<\/strong><br>Contribution de l\u2019employeur = 4% du salaire (seulement si le b\u00e9n\u00e9fice net \u2265 500 000 $)<br><em>Si le profit est inf\u00e9rieur \u00e0 500 000 $, contribution = 0 $.<\/em><\/li>\n\n\n\n<li><strong>Formule \u00e0 paliers :<\/strong>\n<ul class=\"wp-block-list\">\n<li>Gestionnaires : 5% du salaire<\/li>\n\n\n\n<li>Personnel \u00e0 temps plein : 3% du salaire<\/li>\n\n\n\n<li>Personnel \u00e0 temps partiel : fixe 500 $<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pairing-a-dpsp-with-other-benefits\">Combiner un RPDB avec d\u2019autres avantages<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices n\u2019est pas con\u00e7u pour remplacer les autres r\u00e9gimes d\u2019\u00e9pargne, mais pour les renforcer. Bien combin\u00e9, il cr\u00e9e une structure d\u2019avantages qui soutient \u00e0 la fois les objectifs imm\u00e9diats et \u00e0 long terme des employ\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment des entreprises \u00e0 diff\u00e9rents stades de croissance combinent le RPDB avec d\u2019autres outils d\u2019\u00e9pargne pour am\u00e9liorer l\u2019engagement et le bien-\u00eatre financier.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_f2c3f1-cd:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_f2c3f1-cd ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;column-gap:63px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_f2c3f1-cd ul.kt-svg-icon-list{grid-row-gap:30px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_f2c3f1-cd .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_f2c3f1-cd ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_f2c3f1-cd ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items15092_f2c3f1-cd ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{line-height:30px;}.kt-svg-icon-list-items15092_f2c3f1-cd ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (min-width: 1025px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_f2c3f1-cd:not(.kt-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_f2c3f1-cd:not(.kt-tablet-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_f2c3f1-cd:not(.kt-mobile-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_f2c3f1-cd kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_3fb6a7-4b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_3fb6a7-4b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 1 : Entreprise en croissance, ax\u00e9e sur la r\u00e9tention<\/mark><\/strong><br><strong>Formule :<\/strong> RPDB (acquisition sur 2\u20133 ans) + REER collectif avec jumelage<br><em><strong>Pourquoi \u00e7a fonctionne :<\/strong> <\/em>La p\u00e9riode d\u2019acquisition encourage la r\u00e9tention; le REER collectif offre une \u00e9pargne pr\u00e9visible. Ensemble, ils \u00e9quilibrent flexibilit\u00e9 pour l\u2019employeur et valeur durable pour l\u2019employ\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_041547-c9 .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-15092_041547-c9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_041547-c9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 2 : Main-d\u2019\u0153uvre jeune, jalons de vie<\/mark><\/strong><br><strong>Formule :<\/strong> RPDB + REER collectif + CELIAPP<br><strong><em>Pourquoi \u00e7a fonctionne :<\/em><\/strong> Les jeunes employ\u00e9s doivent souvent concilier court et long terme. Le CELIAPP les aide \u00e0 acheter une premi\u00e8re maison, le REER pr\u00e9pare la retraite, et le RPDB ajoute une r\u00e9compense li\u00e9e \u00e0 la performance. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_07408e-75 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_07408e-75\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 3 : Main-d\u2019\u0153uvre \u00e9tablie, approche de la retraite<\/mark><\/strong><br><strong>Formule :<\/strong> RPDB + r\u00e9gime de pension ou REER \u00e0 jumelage \u00e9lev\u00e9 + CELI<br><strong>Pourquoi \u00e7a fonctionne :<\/strong> Les employ\u00e9s plus \u00e2g\u00e9s b\u00e9n\u00e9ficient d\u2019un revenu de retraite structur\u00e9, tout en profitant de la flexibilit\u00e9 du CELI. Le RPDB r\u00e9compense l\u2019anciennet\u00e9 et la contribution, sans gonfler les co\u00fbts.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_b63784-ce .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_b63784-ce\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 4 : RPDB + REER collectif + RPES ou options d\u2019achat d\u2019actions<\/mark><\/strong><br><strong>Formule :<\/strong> RPDB + REER collectif + RPES ou options d\u2019achat d\u2019actions<br><strong>Pourquoi \u00e7a fonctionne :<\/strong> Cette combinaison unit \u00e9pargne, partage des profits et participation \u00e0 la propri\u00e9t\u00e9, cr\u00e9ant un r\u00e9el sentiment de r\u00e9ussite partag\u00e9e.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ensemble, ces combinaisons montrent \u00e0 quel point un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices peut \u00eatre polyvalent. C\u2019est l\u2019\u00e9l\u00e9ment qui transforme une strat\u00e9gie d\u2019\u00e9pargne standard en un avantage significatif et ax\u00e9 sur la performance.<\/p>\n\n\n<style>.kb-image15092_88bb1b-c3 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image15092_88bb1b-c3 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/aerialview-hr-young-business-team-meeting-at-desk-discussing-deferred-profit-sharing-plan.webp\" alt=\"\" class=\"kb-img wp-image-15033\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/aerialview-hr-young-business-team-meeting-at-desk-discussing-deferred-profit-sharing-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/aerialview-hr-young-business-team-meeting-at-desk-discussing-deferred-profit-sharing-plan-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/aerialview-hr-young-business-team-meeting-at-desk-discussing-deferred-profit-sharing-plan-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"when-a-dpsp-is-and-is-not-a-good-fit-for-your-company\">Quand un RPDB n\u2019est pas adapt\u00e9 \u00e0 votre entreprise<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si les RPDB offrent de solides avantages fiscaux et une grande flexibilit\u00e9, ils ne conviennent pas \u00e0 toutes les organisations. Avant d\u2019en mettre un en place, les employeurs doivent \u00e9valuer leur stabilit\u00e9 financi\u00e8re, la composition de leur main-d\u2019\u0153uvre et leur approche en mati\u00e8re de r\u00e9mun\u00e9ration.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_c69e4e-d9:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_c69e4e-d9 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_c69e4e-d9 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_c69e4e-d9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_c69e4e-d9 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_c69e4e-d9 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_b15153-73 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_b15153-73\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Les profits sont tr\u00e8s instables ou souvent n\u00e9gatifs<\/strong>, rendant difficile des cotisations assez r\u00e9guli\u00e8res pour que le r\u00e9gime soit appr\u00e9ci\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_209333-69 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_209333-69\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Votre personnel est tr\u00e8s transitoire<\/strong> (saisonnier, roulement \u00e9lev\u00e9, contrats courts), ce qui m\u00e8ne \u00e0 peu d\u2019acquisition et \u00e0 une perception de b\u00e9n\u00e9fice inutile.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_6ed018-62 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_6ed018-62\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Vous voulez offrir des contributions d\u2019employeur \u00e9lev\u00e9es ou pr\u00e9visibles<\/strong>, cce qu\u2019un RPDB ne permet pas en raison de ses plafonds stricts et de son caract\u00e8re discr\u00e9tionnaire.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_b1e794-8d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_b1e794-8d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Vous avez besoin d\u2019un r\u00e9gime que les employ\u00e9s peuvent cotiser eux-m\u00eames<\/strong>, ce qui est impossible dans un RPDB.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_150dc2-74 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_150dc2-74\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Votre strat\u00e9gie de r\u00e9mun\u00e9ration repose sur des primes garanties<\/strong> plut\u00f4t que sur des cotisations variables bas\u00e9es sur les profits.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"partnering-with-experts-to-integrate-dpsps\">Collaborer avec des experts pour int\u00e9grer un RPDB<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Entre les r\u00e8gles de l\u2019ARC, les plafonds de cotisation et la coordination avec d\u2019autres r\u00e9gimes, la mise en place d\u2019un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices peut rapidement devenir complexe. Travailler avec des sp\u00e9cialistes permet d\u2019\u00e9viter les erreurs de conformit\u00e9 et garantit que votre offre d\u2019avantages reste align\u00e9e \u00e0 la fois sur vos objectifs d\u2019entreprise et sur les attentes de vos employ\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chez <strong>TWINN<\/strong>, nous aidons les employeurs \u00e0 concevoir, implanter et g\u00e9rer des programmes d\u2019\u00e9pargne qui s\u2019int\u00e8grent naturellement \u00e0 leurs strat\u00e9gies de retraite et d\u2019avantages sociaux. Que vous ajoutiez un RPDB \u00e0 un REER collectif existant, que vous l\u2019harmonisez avec un r\u00e9gime de pension, ou que vous le combiniez \u00e0 des options personnelles comme les CELI ou les CELIAPP, notre \u00e9quipe s\u2019assure que tout fonctionne ensemble de mani\u00e8re coh\u00e9rente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici comment nos experts vous accompagnent :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_c8a41a-49:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_c8a41a-49 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_c8a41a-49 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_c8a41a-49 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items15092_c8a41a-49 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items15092_c8a41a-49 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items15092_c8a41a-49 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-15092_2e59ef-a5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_2e59ef-a5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conception du plan :<\/strong> Cr\u00e9er un RPDB qui refl\u00e8te vos objectifs financiers et la r\u00e9alit\u00e9 de votre main-d\u2019\u0153uvre.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_22708d-67 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_22708d-67\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Strat\u00e9gie de cotisation :<\/strong> \u00c9laborer des formules \u00e9quilibrant flexibilit\u00e9, motivation et pr\u00e9visibilit\u00e9 des co\u00fbts.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_de6247-ba .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_de6247-ba\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Gestion de la conformit\u00e9 :<\/strong> Rester align\u00e9 avec les r\u00e8gles de l\u2019ARC, les exigences de d\u00e9claration et les normes provinciales.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_ca6fc7-4b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_ca6fc7-4b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Formation des employ\u00e9s :<\/strong> Aider votre \u00e9quipe \u00e0 comprendre le fonctionnement du r\u00e9gime, la notion de partage des profits et son r\u00f4le dans leur mieux-\u00eatre financier.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-15092_bb41e5-1c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-15092_bb41e5-1c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Optimisation continue :<\/strong> Analyser les taux de participation, ajuster la conception du r\u00e9gime et faire \u00e9voluer votre strat\u00e9gie d\u2019avantages au fur et \u00e0 mesure que votre entreprise grandit.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">En savoir plus sur nos <a href=\"https:\/\/twinn.ca\/fr\/services\/regime-retraite-collectif\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/services\/group-retirement-plan-pension\/\">services de consultation en r\u00e9gimes de retraite et d\u2019\u00e9pargne collectifs<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs\">Vous avez des questions? Nous avons les r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Encore quelques doutes? <\/em>Voici des r\u00e9ponses rapides aux pr\u00e9occupations les plus fr\u00e9quentes des employeurs et des employ\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-id15092_ec29cd-ba > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15092_ec29cd-ba > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15092_ec29cd-ba > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id15092_ec29cd-ba > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15092_ec29cd-ba > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15092_ec29cd-ba > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15092_ec29cd-ba alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column15092_564ac0-9d > .kt-inside-inner-col,.kadence-column15092_564ac0-9d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15092_564ac0-9d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_564ac0-9d > .kt-inside-inner-col{flex-direction:column;}.kadence-column15092_564ac0-9d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15092_564ac0-9d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_564ac0-9d{position:relative;}@media all and (max-width: 1024px){.kadence-column15092_564ac0-9d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15092_564ac0-9d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_564ac0-9d inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-2b811e94 wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/regime-participation-differee-benefices\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>REER vs RPDB: lequel est meilleur?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tout d\u00e9pend de vos objectifs. Un RPDB est financ\u00e9 enti\u00e8rement par l\u2019employeur et lie la r\u00e9compense \u00e0 la performance de l\u2019entreprise. Le REER collectif, lui, permet aux employ\u00e9s de cotiser r\u00e9guli\u00e8rement. De nombreuses entreprises utilisent les deux pour un meilleur \u00e9quilibre.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Puis-je retirer des fonds d\u2019un RPDB?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, mais les retraits sont imposables. La plupart des employ\u00e9s transf\u00e8rent leurs fonds RPDB vers un REER ou un FERR lorsqu\u2019ils quittent l\u2019entreprise pour continuer la croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Que se passe-t-il avec un RPDB si je quitte mon emploi?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Vous conservez les sommes acquises. Les montants non acquis retournent \u00e0 l\u2019employeur. Les fonds acquis peuvent \u00eatre transf\u00e9r\u00e9s \u00e0 votre REER personnel sans p\u00e9nalit\u00e9 (transfert RPDB).\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quels sont les inconv\u00e9nients d\u2019un RPDB?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le principal inconv\u00e9nient est que les cotisations d\u00e9pendent des profits. Si l\u2019entreprise conna\u00eet une ann\u00e9e plus difficile, il se peut qu\u2019il n\u2019y ait aucune cotisation. Le r\u00e9gime est aussi moins pr\u00e9visible qu\u2019un REER collectif avec jumelage.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quelle est la p\u00e9riode d\u2019acquisition typique?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Jusqu\u2019\u00e0 deux ans. Pass\u00e9 ce d\u00e9lai, les fonds appartiennent enti\u00e8rement \u00e0 l\u2019employ\u00e9, m\u00eame en cas de d\u00e9part.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>&lt;strong>Un RPDB est-il d\u00e9ductible d\u2019imp\u00f4t?&lt;\/strong>&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Pour l\u2019employeur, les cotisations sont des d\u00e9penses d\u2019entreprise d\u00e9ductibles. Les employ\u00e9s ne sont impos\u00e9s que lors du retrait, souvent \u00e0 un moment o\u00f9 leur revenu est plus bas.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Une entreprise peut-elle avoir un RPDB et un r\u00e9gime de pension?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, mais c\u2019est peu fr\u00e9quent. La plupart des employeurs combinent plut\u00f4t un RPDB et un REER collectif pour conserver la flexibilit\u00e9, sans les lourdeurs administratives d\u2019un r\u00e9gime de pension.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Que se passe-t-il pendant un cong\u00e9 parental ou un cong\u00e9 non pay\u00e9?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les cotisations au RPDB sont habituellement suspendues pendant les p\u00e9riodes non r\u00e9mun\u00e9r\u00e9es et reprennent lorsque l\u2019employ\u00e9 revient au travail.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Diff\u00e9rence entre partage des profits en argent et RPDB?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un r\u00e9gime de partage des profits verse une prime en argent imm\u00e9diatement imposable. Un RPDB d\u00e9pose plut\u00f4t les montants dans un compte enregistr\u00e9 o\u00f9 l\u2019\u00e9pargne cro\u00eet \u00e0 l\u2019abri de l\u2019imp\u00f4t, favorisant la r\u00e9tention et l\u2019\u00e9pargne \u00e0 long terme.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-4b850713\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>REER vs RPDB: lequel est meilleur?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Tout d\u00e9pend de vos objectifs. Un RPDB est financ\u00e9 enti\u00e8rement par l\u2019employeur et lie la r\u00e9compense \u00e0 la performance de l\u2019entreprise. Le REER collectif, lui, permet aux employ\u00e9s de cotiser r\u00e9guli\u00e8rement. De nombreuses entreprises utilisent les deux pour un meilleur \u00e9quilibre.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-7d8dd51a\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Puis-je retirer des fonds d\u2019un RPDB?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui, mais les retraits sont imposables. La plupart des employ\u00e9s transf\u00e8rent leurs fonds RPDB vers un REER ou un FERR lorsqu\u2019ils quittent l\u2019entreprise pour continuer la croissance \u00e0 l\u2019abri de l\u2019imp\u00f4t.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-634cb446\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Que se passe-t-il avec un RPDB si je quitte mon emploi?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Vous conservez les sommes acquises. Les montants non acquis retournent \u00e0 l\u2019employeur. Les fonds acquis peuvent \u00eatre transf\u00e9r\u00e9s \u00e0 votre REER personnel sans p\u00e9nalit\u00e9 (transfert RPDB).<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-375065d3\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Quels sont les inconv\u00e9nients d\u2019un RPDB?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Le principal inconv\u00e9nient est que les cotisations d\u00e9pendent des profits. Si l\u2019entreprise conna\u00eet une ann\u00e9e plus difficile, il se peut qu\u2019il n\u2019y ait aucune cotisation. Le r\u00e9gime est aussi moins pr\u00e9visible qu\u2019un REER collectif avec jumelage.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-bfafeee1\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Quelle est la p\u00e9riode d\u2019acquisition typique?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Jusqu\u2019\u00e0 deux ans. Pass\u00e9 ce d\u00e9lai, les fonds appartiennent enti\u00e8rement \u00e0 l\u2019employ\u00e9, m\u00eame en cas de d\u00e9part.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-80cca533\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong><strong>Un RPDB est-il d\u00e9ductible d\u2019imp\u00f4t?<\/strong><\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Pour l\u2019employeur, les cotisations sont des d\u00e9penses d\u2019entreprise d\u00e9ductibles. Les employ\u00e9s ne sont impos\u00e9s que lors du retrait, souvent \u00e0 un moment o\u00f9 leur revenu est plus bas.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-c5c5c190\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Une entreprise peut-elle avoir un RPDB et un r\u00e9gime de pension?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui, mais c\u2019est peu fr\u00e9quent. La plupart des employeurs combinent plut\u00f4t un RPDB et un REER collectif pour conserver la flexibilit\u00e9, sans les lourdeurs administratives d\u2019un r\u00e9gime de pension.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-b6a35db8\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Que se passe-t-il pendant un cong\u00e9 parental ou un cong\u00e9 non pay\u00e9?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les cotisations au RPDB sont habituellement suspendues pendant les p\u00e9riodes non r\u00e9mun\u00e9r\u00e9es et reprennent lorsque l\u2019employ\u00e9 revient au travail.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-a776bc61\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Diff\u00e9rence entre partage des profits en argent et RPDB?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Un r\u00e9gime de partage des profits verse une prime en argent imm\u00e9diatement imposable. Un RPDB d\u00e9pose plut\u00f4t les montants dans un compte enregistr\u00e9 o\u00f9 l\u2019\u00e9pargne cro\u00eet \u00e0 l\u2019abri de l\u2019imp\u00f4t, favorisant la r\u00e9tention et l\u2019\u00e9pargne \u00e0 long terme.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id15092_bcfab9-4d{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id15092_bcfab9-4d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15092_bcfab9-4d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15092_bcfab9-4d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id15092_bcfab9-4d{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id15092_bcfab9-4d > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id15092_bcfab9-4d > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id15092_bcfab9-4d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15092_bcfab9-4d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15092_bcfab9-4d alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column15092_eceef0-84 > .kt-inside-inner-col,.kadence-column15092_eceef0-84 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15092_eceef0-84 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_eceef0-84 > .kt-inside-inner-col{flex-direction:column;}.kadence-column15092_eceef0-84 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15092_eceef0-84 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_eceef0-84{position:relative;}@media all and (max-width: 1024px){.kadence-column15092_eceef0-84 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15092_eceef0-84 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_eceef0-84\"><div class=\"kt-inside-inner-col\"><style>.kadence-column15092_1df6f8-4e > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column15092_1df6f8-4e{--kb-section-setting-offset:90px;}.kadence-column15092_1df6f8-4e > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column15092_1df6f8-4e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_1df6f8-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15092_1df6f8-4e > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15092_1df6f8-4e{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_1df6f8-4e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_1df6f8-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15092_1df6f8-4e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_1df6f8-4e{text-align:left;}.kadence-column15092_1df6f8-4e{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15092_1df6f8-4e{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_1df6f8-4e{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_1df6f8-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column15092_1df6f8-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column15092_1df6f8-4e{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_1df6f8-4e{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_1df6f8-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column15092_1df6f8-4e > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column15092_1df6f8-4e kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e, .wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e[data-kb-block=\"kb-adv-heading15092_2c8477-1e\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e[data-kb-block=\"kb-adv-heading15092_2c8477-1e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e[data-kb-block=\"kb-adv-heading15092_2c8477-1e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e, .wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e[data-kb-block=\"kb-adv-heading15092_2c8477-1e\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e, .wp-block-kadence-advancedheading.kt-adv-heading15092_2c8477-1e[data-kb-block=\"kb-adv-heading15092_2c8477-1e\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading15092_2c8477-1e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15092_2c8477-1e\">Pr\u00eat \u00e0 b\u00e2tir une strat\u00e9gie d\u2019\u00e9pargne plus efficace?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba, .wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba[data-kb-block=\"kb-adv-heading15092_7e674e-ba\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba[data-kb-block=\"kb-adv-heading15092_7e674e-ba\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba[data-kb-block=\"kb-adv-heading15092_7e674e-ba\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba, .wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba[data-kb-block=\"kb-adv-heading15092_7e674e-ba\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba, .wp-block-kadence-advancedheading.kt-adv-heading15092_7e674e-ba[data-kb-block=\"kb-adv-heading15092_7e674e-ba\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading15092_7e674e-ba wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading15092_7e674e-ba\">Cr\u00e9er la bonne combinaison de r\u00e9gimes d\u2019\u00e9pargne collective demande plus que de l\u2019intuition. Chez <strong>TWINN<\/strong>, nous aidons les employeurs \u00e0 int\u00e9grer le RPDB, le REER collectif et d\u2019autres r\u00e9gimes dans une strat\u00e9gie coh\u00e9rente qui renforce la r\u00e9tention, la conformit\u00e9 et la confiance des employ\u00e9s.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column15092_c28157-de > .kt-inside-inner-col{display:flex;}.kadence-column15092_c28157-de > .kt-inside-inner-col,.kadence-column15092_c28157-de > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15092_c28157-de > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15092_c28157-de > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15092_c28157-de > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column15092_c28157-de{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_c28157-de{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_c28157-de > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column15092_c28157-de > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15092_c28157-de{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column15092_c28157-de{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_c28157-de{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column15092_c28157-de > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 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110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns15092_eb40d3-5f{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns15092_eb40d3-5f .kt-button{font-weight:normal;font-style:normal;}.kt-btns15092_eb40d3-5f .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns15092_eb40d3-5f .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns15092_eb40d3-5f .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns15092_eb40d3-5f .kt-btn-wrap-0 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kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">En Bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices cr\u00e9e un lien solide entre motivation et \u00e9pargne \u00e0 long terme. C\u2019est l\u2019un des outils les plus flexibles dans le paysage actuel des avantages sociaux. Il r\u00e9compense la performance lorsque les affaires vont bien, renforce la loyaut\u00e9 gr\u00e2ce \u00e0 l\u2019acquisition des droits, et s\u2019int\u00e8gre naturellement \u00e0 d\u2019autres r\u00e9gimes comme les REER collectifs, les CELI et les CELIAPP.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien con\u00e7u, un RPDB transforme les profits de l\u2019entreprise en progr\u00e8s partag\u00e9, permettant aux employ\u00e9s d\u2019investir dans leur avenir tout en renfor\u00e7ant le succ\u00e8s collectif qui a g\u00e9n\u00e9r\u00e9 ces profits.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quand les employ\u00e9s voient leur entreprise prosp\u00e9rer, il est logique qu\u2019ils profitent eux aussi des r\u00e9sultats. Un r\u00e9gime de participation&#8230;<\/p>\n","protected":false},"author":15,"featured_media":15090,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[114],"tags":[],"post_folder":[],"class_list":["post-15092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regimes-collectifs-depargne-retraite"],"acf":[],"taxonomy_info":{"category":[{"value":114,"label":"R\u00e9gimes collectifs d\u2019\u00e9pargne-retraite"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/11\/woman-business-team-portrait-image-1024x684.webp",1024,684,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":114,"name":"R\u00e9gimes collectifs d\u2019\u00e9pargne-retraite","slug":"regimes-collectifs-depargne-retraite","term_group":0,"term_taxonomy_id":114,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":114,"category_count":4,"category_description":"","cat_name":"R\u00e9gimes collectifs d\u2019\u00e9pargne-retraite","category_nicename":"regimes-collectifs-depargne-retraite","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/15092","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=15092"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/15092\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/15090"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=15092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=15092"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=15092"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=15092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}