FreeERISA offers several databases that can help you identify companies in your market that offer qualified retirement plans.

One of them is "Top Hat Plans," which are unfunded deferred compensation plans that are required to declare their existence in a public filing. (These plans are not required to file a report annually.)

So, while you can't usually tell from FreeERISA data whether or not a company in your market offers non-qualified benefits for a select group of key executives, it's a good idea to ask about these plans as you prospect. Among companies with 50 or more employees, you may find that a significant number offer either a non-qualified deferred compensation (NQDC) program or a Supplemental Executive Retirement Program (SERP). When you can serve both a company's qualified plan and also its non-qualified executive plan, you will increase your revenue potential and time efficiency in selling and servicing accounts.

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