At OneGroup Retirement Advisors, we help organizations create non-qualified plans that go further—for the people who take them further.

When traditional retirement plans fall short for top talent, non-qualified retirement plans (NQDCs) offer a flexible and strategic way to attract, reward, and retain key executives. These plans are designed to supplement qualified plan limits, providing additional retirement income and helping close the benefit gap for highly compensated employees.

Unlike 401(k)s, non-qualified plans are not subject to the same contribution limits or nondiscrimination testing, giving employers more freedom in how and for whom benefits are offered. Plans can be tailored to your organization’s goals—whether it’s providing deferred compensation, retention incentives, or performance-based rewards.

Benefits of Non-Qualified Plans Include:

• Customization – Structure contributions, vesting schedules, and distributions to fit your executive compensation strategy.

• Retention & Recruitment – Offer highly valued benefits that help attract and retain leadership talent.

• Tax Efficiency – Contributions are typically tax-deferred, benefiting both employers and employees.

• No Compliance Burden – Not subject to ERISA nondiscrimination rules, giving more control over eligibility and design.

• Strategic Alignment – Link benefits to company performance, tenure, or other business goals.

Our team works with you to create, implement and monitor non-qualified plans that align with your broader compensation and succession strategy—ensuring your most valuable people stay invested in your mission.