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Supplemental Executive Retirement Plan (SERP) Design, Valuation & Funding

SERP Design

You’ve invested a lot of time in designing your qualified plans. But the recruitment and retention of top executives requires different strategies. Do your non qualified plans align with those strategies? Are there employment agreements in place that need to be considered? Do you have policies in place regarding cost, vesting, and retirement? Non-qualified plans need to be 409A-compliant, attract and retain key executives, and have associated costs that are manageable and budget-able. October Three’s actuaries and consultants have the experience and quantitative skills to tackle all sides of that problem.


SERP Valuation

If you have a Defined Benefit SERP — be it traditional or hybrid such as Cash Balance it will need an actuarial valuation. At October Three, more than half of our staff are either pension actuaries or in the process of becoming actuaries. Our consultants will work efficiently to determine your current plan costs an to assist you in understanding emerging future costs under scenarios that fit your view of the economy.


SERP Funding

You fund your qualified plans. But if you’re like many organizations, you informally fund your non-qualified plans using a product that has been pitched to you. We don’t sell those products. This gives us a level of independence that outsiders such as brokers may not have. We can help you by evaluating proposals to find potential pitfalls. Remember that if it sounds too good to be true, it probably is.

Contact John Lowell

John is here to answer any questions you have about how our SERP solutions can support your needs.

Contact John