Deferred Profit-Sharing Plan
An arrangement where the employer pays into a trust for employees. Contributions are based on organization profits.
Profit sharing plans motivate employees to contribute to the success of their company.
Advantages for your organization
- Employer contributions are not considered as salary income and do not count toward CSST, Employment Insurance or the Régie de l'assurance maladie du Québec (RAMQ).
- Contributions and administration fees are tax deductible for the employer.
- You determine the rules and procedures for the DPSP.
- You increase your employees' income by paying them out of your profits (distributed or not distributed).
Advantages for your employees
- No tax is paid on the contribution-generated income as long as the money stays in the plan.
- Employees amass a considerable sum of money without having to make contributions.
Find out more
- Companies with 350 employees or less: contact an advisor at a caisse or an account manager at a Desjardins Business Centre.
- Companies with more than 350 employees: see the Desjardins Financial Security site.
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Companies with 350 employees or less |
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 By phone(Members and non-members) |
Montreal area: 514-286-3100, ext. 2576 Elsewhere in Canada and the U.S.: 1-800-361-6840, ext. 2576 |
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 At the caisse
(Members and non-members) |
Make an appointment with an advisor at a caisse.
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 At a Desjardins Business Centre
(Members and non-members) |
Make an appointment with an account manager at a Desjardins Business Centre.
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Companies with more than 350 employees |
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By phone (Members and non-members) |
1-866-565-3145 |
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