a registered defined contribution plan, which means that contributions are made every month and vested directly in the member. Employers do not have access to the pension fund. The fund is overseen by a Board of Trustees, invested by outside professionals, and audited by an accounting firm. The Group RSP is run through Great-West Life and is available to members only in Western Canada. Benefits CLAC offers numerous group benefit plans, which are run through the Health and Welfare Trust Fund. There are two Benefit Administration offices. Western benefits are handled out of Edmonton, Alberta, Eastern benefits are handled out of Grimsby, Ontario. The health and welfare benefits provide coverage for needs such as vision, dental, and prescription drugs; life and accidental death and dismemberment insurance; and an employee and family assistance program to help with personal difficulties. Coverage levels vary between collective agreements. The providers include Standard Life, Sun Life, RBC Insurance, AIG, Green shield, and Ceridian Lifeworks. Criticism Some trade unions allege that employers are voluntarily quick to recognize the CLAC because of its willingness to undercut industry-standard wages and working conditions, which other unions have struggled to improve. According to a report from the Canadian Centre for Policy Alternatives, a Canadian based think-tank, CLAC has helped employers in British Columbia circumvent the Employment Standards Act by agreeing to contracts that provide less than the minimums afforded by law because a provision of the Act is that it does not apply to workers represented by a union. In 2018, the Province of British Columbia required construction workers on the Pattullo Bridge project to be members of a construction union within 30 days of the directive, intentionally excluding CLAC. It is alleged that this decision was biased due to the governing NDP political base of labour organizers perceiving CLAC to be a rat union. Additionally, in 2018, an application to the British Columbia Labour Relations Board by Service Employees International Union regarding the employer-driven recognition of CLAC by Best Service Pros Ltd., which provides janitorial services to public post-secondary educational institutions in British Columbia, resulted in the board ruling against CLAC and nullifying the collective agreement between CLAC and employees. CLAC is regarded by international trade organizations as a danger to labour unions and a threat to collective action to the benefit of workers. Trade unions often allege that the CLAC is a company union and that many of