Ameritas Retirement Plans review
Broad retirement-plan administration with enrollment, payroll, fiduciary and participant services.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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 profit-sharing, MEP and PEP arrangements, ERISA 403(b), solo 401(k), 457(b), prevailing-wage 401(k), defined benefit, cash balance and governmental plans. Employers looking for coordinated plan administration, rather than a narrow participant app or standalone recordkeeping tool, are the clearest fit.
Administration can be bundled or unbundled, with plan design, compliance testing, government filings, employee enrollment and automatic enrollment tools among the available services. Payroll processing and 180°/360° payroll integration are also part of the offering. Ameritas describes working with dozens of payroll providers; PRISM HR and iSolved are specifically named for PEO integrations. This makes payroll fit an important evaluation point: employers should verify that their provider and desired integration model align before selecting a plan arrangement.
Participants can manage investments, beneficiaries, contributions, documents, loans and withdrawals through online accounts, with mobile apps for iOS and Android offering transactions and guidance. Investment selection and optional managed-account services, alongside fiduciary 3(16), 3(21) and 3(38) services, broaden the administration beyond basic recordkeeping. According to the vendor’s pricing approach, plan solutions are customized and initiated through a sales conversation rather than listed as fixed retirement-plan prices. Ameritas is suited to organizations that value broad plan coverage and administration options; employers seeking transparent, published pricing or only a simple account interface may prefer to compare narrower alternatives.
Ameritas Retirement Plans pros and cons
- 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.
Ameritas Retirement Plans fact sheet, pricing and score →
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