Ameritas Holding Company 401(k) Review & Grade
Ameritas 401(k) Retirement Plan
Lincoln, NEFinance & Insurance2,492 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,068Employer $ per active participant
$7,478Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$821.8MNet plan assets, end of year
$226,264Average balance per account
Score breakdown
- Employer generosity42.0 / 5084th percentile for employer $ per participant
- Low cost23.0 / 2592th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1555th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 92th |
| Employee saving | 55th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Ameritas Holding put in about $7,068 per active participant, more than the typical peer ($3,606). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $17,613,515 |
| Participant (employee) contributions | $18,636,138 |
| Other contributions (incl. rollovers in) | $3,554,780 |
| Administrative expenses paid from the plan | $266,395 |
| Benefits paid out | $73,546,296 |
| Net assets, start / end of year | $741.6M / $821.8M |
| Active participants, start / end of year | 2,526 / 2,458 |
| Participants with account balances | 3,632 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Meaden & Moore, LTD |
Largest service providers (Schedule C)
| Ameritas Life Insurance Corp. | $266,146 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250910095049NAL0013084595002, received 2025-09-10, EIN 47-0806844, plan #333, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.