I help keep clients in compliance with Code Section 409A and their non-qualified plan document requirements.
Not many retirement business consultants can claim 35 years of qualified plan and over 20 years of non-qualified plan consulting with large Fortune 200 companies.
During those years I invented new ideas and approaches to solving extremely complex and costly retirement plan issues. My ground breaking ideas were displayed at the Society of Actuaries meetings where I was given credit for saving 11 pension plans from freezing or terminating. I also created a brand new 401(k) plan solution that resolved a 13 month nurse's strike in California.
I offer efficient and effective retirement plan consulting services that are 100% client focused. I am totally independent since I do not receive any commissions or money from investment firms or other entities.
My focus and loyalty is only to my customers.
NQDC Solutions, LLC's Services Include:
- Non-qualified plan compliance reviews:
- Review document for difficult or hard to administer provisions
- Compare actual plan administration to plan document and 409A requirements
- Interview those with plan administration responsibilities
- Confirm recordkeeper processing and contract obligations
- Review enrollment processes and participant elections
- Verify payroll processing of employee deferrals and company contributions
- Check vesting calculations and applicable FICA taxes
- Review payroll, trustee and recordkeeper processing of payments and taxes
- Examine finance and trust balancing activity, if applicable
- Review interactions with other non-qualified plans and qualified plans
- Review corrections of 409A errors and omissions
- .....and much more if necessary.....until it is right.
- Non-qualified plan designs and benchmarking
- Qualified 401(k)/403(b) plan consulting, including: plan effectiveness, discrimination testing, compliance and administration reviews, merger and acquisition liability reviews and plan design.
- Helpful articles on qualified and non-qualified plan design, compliance, administration requirements, mergers and acquisitions, etc...
Russell L. Morgan
Qualified and Non-Qualified Retirement Plan Consultant