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Nonqualified Retirement Plans

Wells Fargo offers nonqualified plan services to help you reward and retain your key employees. We offer a broad array of nonqualified arrangements that allow your employees to defer taxes on investments—and help you strengthen ties between your employees and your company. Our products and services include:

Professional plan design and consulting

Our benefits consulting professionals can assist you in designing a plan that helps meet your needs by defining key parameters such as participant eligibility, eligible compensation, plan contributions, benefit payout events, earnings crediting alternatives, and benefits protection strategies such as Rabbi trusts.

Comprehensive administrative and trustee services

Nonqualified plans require extensive administrative and fiduciary support. Our administrative services include daily fund valuation, quarterly participant statements, plan sponsor reports, and access to information online or by phone. As trustee, we provide trust administration, fiduciary support, trust tax reporting, and benefit distributions.

Flexible financing options

We offer a wide selection of financing alternatives for your nonqualified plan. We have also established relationships with leading life insurance carriers to offer corporate-owned life insurance, an attractive plan financing approach. And we provide thorough financing analysis, including asset/liability, cash flow, and earnings projections, to help you determine the best financing structure for your needs.

Award-winning communications

We believe the key to a successful nonqualified program is effective participant communications. Our participant education and communications programs have received national recognition for creativity and effectiveness, including awards from Pensions & Investments magazine and commendations for excellence from the Plan Sponsor Council of America (PSCA). Our communications professionals can craft materials about your nonqualified plan specifically for an executive audience.