Group Benefits

Simplify plan administration with Benefits HQ

Competitive benefits differentiate your organization. We'll help you source and administer a group benefit program that will attract and retain the talent you need to grow your business. With employee benefits from extended health and dental to disability, life insurance and group retirement and pension, we've got you and your employees, covered.

Plan Design

The right benefits impact team productivity and your bottom line. We'll help you build the best plan for your business, based on your goals and budget. With access to multiple group insurance and retirement services carriers, your comprehensive plan will deliver the coverage your employees want at a manageable cost.


We'll ensure your group benefit investment keeps working for you through ongoing analysis of your utilization data, and the impact of inflation, legislation, healthcare changes and future claims. We'll recommend cost containment measures, protection against escalating costs and other measures to mitigate risk.

Employee Experience

One of the best methods for attracting, retaining, and showing your existing employees that you care is by implementing the right benefit plan.

Presenting BENEFITS HQ

Carruthers has invested in a powerful online resource to make enrolment and plan administration paperless, accurate and simple for you and your plan members.

Save time and money with Benefits HQ.

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Carruthers Financial


Mutual funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc.