Ascensus By Encompass Group

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Ascensus By Encompass Group

EOI2025

ASCENSUS BY ENCOMPASS GROUP

Ease of Implementation

Schedule a 15-Minute Strategy Call

The War for Talent Isn’t Slowing Down—And Top Performers Expect More.

Most highly compensated employees hit contribution caps in traditional 401(k) plans. Compliance testing and federal limits mean your best people are left with retirement shortfalls—unless you offer more.

The Solution

ASCENSUS

Communication

We utilize the most advanced methods of communicating with individuals as to why they’d want to implement the plans that Ascensus by Encompass Group offers.

ASCENSUS

Education

When it comes to retirement/wealth accumulation, our approach is to educate individuals as to everything that CAN be done. We offer personalized calculators that an individual can utilize that shows them different outcomes to their wealth/retirement strategies. A person can’t make a proper decision without having all the information. We educate. They decide.

ASCENSUS

Administration of the plans

Like your organization’s qualified retirement plan(s), we will work with your HR Department as to what deductions are needed to be implemented for each employee and work directly with the companies we do business with.

ASCENSUS

Plan Changes

On boarding and Off boarding) We will fully educate new hires as to what they are eligible to put in place for themselves. When employees leave the organization, we will work with your company to adjust the billing.

What you'll get from your first call with Ascensus

A 15-minute personalized session with a non-qualified plan strategist

A review of your current executive benefits structure

An explanation of how our non-qualified plans partners with your existing 401(k)

Answers to your questions about compliance, taxation, portability, and participant communication

A look at how you can bypass contribution limits and discrimination testing

An optional overview of case studies and outcomes from similar companies in your industry

What to Do Next

Schedule a Strategy Conversation

schedule your call today

You’ll walk away with a clear understanding of how to build a better retirement solution—without increasing your HR or finance workload.

Why Ascensus by Encompass Group?

You don’t need another vendor. You need a partner who understands the needs of high-performing organizations and the high-value individuals who drive them.

Ascensus by Encompass Group is a specialized Third Party Administrator that empowers organizations to strategically serve their most highly compensated employees. By designing and administering non-qualified asset preservation strategies, we help companies attract, reward, and retain top-tier talent in today’s competitive landscape. Our solutions go beyond traditional benefits—targeting executives, partners, and business owners—unlocking powerful, IRS-sanctioned planning tools often overlooked by conventional advisors. We don’t just know the tax code—we use it as a playbook to deliver smart, customized benefits that create real financial impact for the people who matter most to your organization.

Traditional retirement plans like a 401(k) come with strict contribution limits and eligibility rules. Ascensus by Encompass Group provides strategies that go beyond those limits, offering non-qualified benefit plans specifically designed for highly compensated employees. Our plans help you retain and reward key talent in ways that standard plans simply can’t.

Here’s where your typical 401(k) or Qualified Retirement Plan (QRP) hits a wall:

  • Contribution ceilings limit how much executives can defer.
  • Eligibility restrictions exclude top earners from certain tax-advantaged strategies.
  • Lack of personalization makes them one-size-fits-all.

With a Qualified Retirement Plan, you can:

  • Defer pre-tax income up to the IRS limits.
  • Receive some employer-matching contributions.
  • Invest tax-deferred until retirement.

However, you’re capped—and high earners often find that these plans only cover a fraction of their retirement goals.

Roth IRAs or Roth 401(k)s offer after-tax investing with tax-free growth, but they still come with:

  • Income eligibility limits
  • Contribution caps

If your income is too high, you may not qualify—or the impact may be too limited to meet your long-term goals.

That’s where Ascensus by Encompass Group steps in. Our non-qualified retirement strategies are designed specifically for highly compensated individuals who have aged out, earned out, or planned beyond traditional benefits.

We offer access to IRS-approved, non-qualified plans that allow for:

  • Unlimited contributions
  • Tax-advantaged accumulation
  • Legacy and generational wealth planning
  • Long-term care and asset protection components

These tools are rarely offered by conventional advisors or in-house HR teams.

We simplify the complex. Here’s how:

  • You fill out a short form (see below).
  • Based on your goals and compensation, we design a custom strategy tailored to your needs.
  • You get access to education tools, videos, and a personalized calculator to model your outcomes.
  • Your HR team handles the deductions, we handle the rest.

It’s that easy.

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