Ameritas Retirement Plans vs Employee Fiduciary

Ameritas Retirement Plans9.3Visit EFEmployee Fiduciary8.4Visit

Higher score Ameritas Retirement Plans #1 in 401(k) Software 9.3/10 Pricing on request ✓ 3 of 3 features Visit Ameritas

vs

EF Employee Fiduciary #5 in 401(k) Software 8.4/10 Paid ✓ 1 of 3 features Visit site

• Ameritas Retirement Plans fits best

  Organizations seeking broad retirement plan administration

• Employee Fiduciary fits best

  Solo owners and small employers needing compliance support

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Side by side

Feature	Ameritas Retirement Plans 9.3/10 Visit ↗	EFEmployee Fiduciary 8.4/10 Visit ↗
At a glance
Editor score	9.3	8.4
Ranking	#1 in 401(k) Software	#5 in 401(k) Software
Best for	Organizations seeking broad retirement plan administration	Solo owners and small employers needing compliance support
Pricing model	Paid	Paid
Starting price	Pricing on request	$500/yr
Free plan	Not checked yet	—
Free trial	—	—
Deployment	Cloud, Mobile	Cloud
Platforms	Web, iOS, Android	Web
Support	Email, Phone	Phone
Integrations	2 integrations	20 integrations
Built for	Small business, Mid-market, Enterprise	Solo, Small business
Features Ameritas Retirement Plans 3/3 · Employee Fiduciary 1/3
Employee enrollment	✓ (best)	Not checked yet
Compliance support	✓	✓
Participant mobile app	✓ (best)	Not checked yet
Specs
Plan types	401(k); profit-sharing; multiple employer (MEP); pooled employer (PEP); money purchase; ERISA 403(b); solo 401(k); 457(b); prevailing-wage 401(k); defined benefit; cash balance; governmental; safe harbor 401(k)	Traditional 401(k), Safe Harbor 401(k), Solo 401(k), 403(b)
Payroll integrations	PRISM HR; iSolved	QuickBooks Online Payroll, Paylocity, Paychex Flex, ADP Workforce Now, Justworks, TriNet, Rippling, Paycor, Paycom, Sequoia One, UKG Ready, Accuchex, Ahola HR Solutions Payroll, AssetHR, Certipay, Checkwise, Coastal Payroll, ConnectPay, Counter Point HCM, Dayforce, Dominion Payroll, Flexchecks, GTM Payroll Services, Heartland, HR Butler, Hybrid, isolved, OnPay, Patriot, Pay-Net, Paymasterpro, PAYNW, Payroll Network, Inc., Payroll Solutions, Run Powered by ADP, Trivantus, Trustpoint, UKG Pro, Whirks, Workday
Investment options	Mixed	Mixed
Our review
Pros	Supports many plan types, from 401(k) and PEP to defined benefit. Combines recordkeeping, compliance testing, filings and enrollment. Offers fiduciary services and participant web and mobile account tools.	Combines recordkeeping, third-party administration and compliance reporting Supports safe harbor, profit-sharing and Roth contributions, plus participant loans Connects with payroll services including ADP Workforce Now and Rippling
Cons	Pricing is customized and starts with a sales conversation. Named payroll integrations are PRISM HR and iSolved. The broad service scope may exceed the needs of employers seeking only recordkeeping.	Standard 401(k) carries a $1,500 annual base fee Both annual plans also charge 0.08% of plan assets for custody Access is web-only
Our verdict	Ameritas Retirement Plans provides customized retirement-plan recordkeeping and administration for businesses, nonprofits, governmental entities and professional employer organizations. Its scope extends beyond 401(k) plans to… Read the review →	Employee Fiduciary provides retirement plan services for small businesses, self-employed professionals, nonprofits and advisors. Its options include traditional and safe harbor 401(k) plans, solo 401(k) plans and 403(b) plans. The service… Read the review →

Strengths and trade-offs

• Ameritas Retirement Plans — where it wins

  • Supports many plan types, from 401(k) and PEP to defined benefit.
  • Combines recordkeeping, compliance testing, filings and enrollment.
  • Offers fiduciary services and participant web and mobile account tools.

  Where it doesn't

  • Pricing is customized and starts with a sales conversation.
  • Named payroll integrations are PRISM HR and iSolved.
  • The broad service scope may exceed the needs of employers seeking only recordkeeping.

• Employee Fiduciary — where it wins

  • Combines recordkeeping, third-party administration and compliance reporting
  • Supports safe harbor, profit-sharing and Roth contributions, plus participant loans
  • Connects with payroll services including ADP Workforce Now and Rippling

  Where it doesn't

  • Standard 401(k) carries a $1,500 annual base fee
  • Both annual plans also charge 0.08% of plan assets for custody
  • Access is web-only

• Ameritas Retirement Plans9.3/10 · Pricing on request

  Broad retirement-plan administration with enrollment, payroll, fiduciary and participant services.

  Visit AmeritasFull verdict →
• EFEmployee Fiduciary8.4/10 · Paid

  A compliance-focused retirement plan service with clear annual fees and payroll connections.

  Visit siteFull verdict →