What is a Non-Qualified Retirement Plan?

These are plans are not put through the same qualification requirements (IRS and ERISA) and is not subject to such provisions as nondiscrimination, eligibility, funding and vesting. The trade off for not having to meet these special provisions in the laws is that a "nonqualified" plan does not get as many tax breaks as regular pension plans do. These plans are typically used to provide additional or special benefits for highly rewarded employees.

Non-Qualified Plans are an option to consider if an employer wants to provide supplementary compensation for key executives or employees and wishes to defer payment into the future. Deferred Compensation Plans / Supplemental Employee Retirement Plans (SERPS) Strategies Golden Parachutes: A golden parachute is an agreement between companies and their key personnel whereby the corporation agrees to pay amounts, often in excess of their usual compensation, to these key employees if there ever is a change in the management control of the ... more.

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