409A Direct

409A Direct Process

Plan Implementation and Time Estimates

409A Direct Traditional DCP
Plan Design Fast and Efficient
30 minutes		 Slow and Inefficient
1 to 2 weeks
Financial Modeling Quick and Comprehensive
10 minutes		 Long Process, Challenging to Understand
2 to 4 weeks
Product Due Diligence Automated, Detailed and Real Time
2 minutes		 Manual
2 to 4 weeks
Legal Documentation Cost Effective and Expeditious
10 minutes		 Expensive and Slow
2 to 4 weeks

A look at the 409A Direct process

Discover how 409A Direct empowers you to customize your nonqualified deferred compensation plan. With live progress updates, intuitive features, and dedicated ambassadors to guide you through every step, 409A Direct is your partner for optimizing executive benefits.

Ready to transform your company’s executive benefit package?  Let’s take a look at the 409A Direct journey together!

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Plan Funding

409A Direct utilizes tax-favored COLI for informally funding nonqualified deferred compensation plans. The illustration below highlights the value proposition for a company using nontaxable securities (COLI) as the preferred asset for plan funding.

Performance Comparison

Taxable Securities vs. COLI

Note: Assumes a 27.5% tax rate. (Federal and state tax; an S-corp tax rate of 37% will provide even more incremental value when using COLI than a C-corp.)

77% of companies surveyed use tax-favored COLI to fund their deferred compensation plans (Plan Sponsor Survey 2022). In addition to tax-free earnings growth, COLI allows for tax-free reallocations, tax-free distributions and tax-free death benefits. Learn More…

Our easy-to-use platform guides you every step of the way

The 409A Direct platform makes it easy for you to set up your company’s DCP. Our streamlined, step-by-step process walks you through our simple process from plan design all the way to plan implementation, with guidance and support along the way.
Note: All information you enter is saved so you can pause at any time and pick up where you left off.
409A Direct Platform

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