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Plan Programs

plan programs

Retirement solutions that work for your business

Be selective. Choose wisely. A retirement savings program should complement your business. At Ameritas, we will help you explore your options. In addition, we offer our group variable annuity contract as the funding vehicle along with plan recordkeeping service. Overview Download PDF NY Download PDF

Traditional 401(k)  FAQ

It is the most popular employer-sponsored retirement plan design for private companies. Plan participants can make pretax contributions. Employers may choose to match their participants’ contributions.

Safe Harbor 401(k) Download PDF  NY Download PDF

This plan design gives highly compensated employees the ability to maximize their salary deferrals without the sometimes problematic nondiscrimination testing requirements. By providing a required employer contribution, a Safe Harbor 401(k) plan design has the potential to create more deferral opportunities and incent participants with an employer contribution.

Roth Option Download PDF  NY Download PDF

Both the traditional 401(k) and Safe Harbor 401(k) retirement plans can elect to offer the Roth 401(k) feature. Roth contributions are made on an after-tax basis and earnings grow tax-free.

Ameritas SoloPlus® Download PDF  NY Download PDF

This plan is especially well suited for small businesses that employ only owners and their spouses and offers all the features available to larger employers.

Ameritas EZ(k)® Download PDF  NY Download PDF

Our streamlined program features a Safe Harbor 401(k) with key features found in more traditional retirement plans, yet is simple to implement and administer.

401k ELITE Multiple Employer Plan (MEP)® Download PDF  NY Download PDF

With this plan, unrelated businesses participate in a single qualified retirement plan sponsored by a third party. With our 401k ELITE MEP, a business can achieve the economies of scale typically realized only by larger plans. It relieves the business owner of many of the time-consuming duties and responsibilities associated with sponsoring a plan. It’s cost-effective and reduces fiduciary responsibility and liability.

Advantage Advisory Program Download PDF

It brings together many of the plan design features found in a traditional 401(k) with something extra -- five asset allocation models created and monitored by affiliate Ameritas Investment Corp., a federally registered investment advisor firm, member FINRA/SIPC. Ameritas Life Insurance Corp. provides the recordkeeping and compliance services. This program is not available in New York.

New Comparability Plan Download PDF  NY Download PDF

Here is a plan that allows employers to maximize contributions to a targeted group. There can be different benefit structures for different divisions. In order for such a plan to meet non-discrimination requirements, certain minimum contributions are required for all benefiting employees.

Cash Balance Plan Download PDF  NY Download PDF

This defined benefit plan operates similar to a profit sharing plan. The contribution is determined annually based on an actuarial calculation that takes into consideration an individual’s current age and salary and years to retirement, typically age 65.

Advantages include:

  • Plan sponsors can define their contributions
  • Deductible contributions are substantially higher than in a defined contribution plan, such as a 401(k)

457(b) Download PDF  NY Download PDF

Employees of states, municipalities, political subdivisions or agencies can participate in this deferred compensation plan to save for retirement.


Which plan will work for you and your business? Our knowledgeable professionals can develop an appropriate plan and will assist in making the transition from your current provider. Our experienced team offers a full range of services that includes plan conversion, key administrative functions and administrative support.

 

The Ameritas Retirement Advantage Series refers to a group variable annuity contract issued by Ameritas Life Insurance Corp. (Form AL 64349) and in New York is issued by Ameritas Life Insurance Corp. of New York (Form FA 64349).

 

Mesirow Financial Investment Management, Inc. (Mesirow Financial) is an SEC registered investment advisor. The Mesirow Financial name and logo are registered service marks of Mesirow Financial Holdings, Inc. ©2014, Mesirow Financial Holdings, Inc. All rights reserved.


Mesirow Financial is not an affiliate of Ameritas Life insurance Corp.

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