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.

Traditional 401(k)

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. See our FAQ

Safe Harbor 401(k)

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. 401(k) Overview

Roth Option

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. Roth Overview

Ameritas SoloPlus®

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. Retirement Plan for Small Business Owners

Multiple Employer Plan (MEP)

With this plan, unrelated businesses can participate in a single qualified retirement plan sponsored by a third party. With a 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.

New Comparability Plan

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

Cash Balance Plan

This defined benefit plan operates similarly 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. Cash Balance Plan Details

Advantages include:

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


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

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. ©2016, Mesirow Financial Holdings, Inc. All rights reserved.

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