Plan Ledger DOL Form 5500 · updated monthly

Ameris Bancorp401(k)

AMERIS BANCORP 401(K) PROFIT SHARING PLAN · ATLANTA, GA · plan year 2025

Reported admin expense ratio · 2025
0.09%

Peer grade: C+ · admin costs + employer contributions vs same-size plans · how grading works

Ameris Bancorp reported $297,460 in plan administrative expenses for 2025: 0.09% of average plan assets, above the peer median. Employer contributions averaged $2,831 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio fell from 0.10% to 0.09%. The plan sits in the $250M–$1B size bracket, benchmarked here against 230 comparable plans and shown alongside other finance & insurance employers. By assets it is the 107th-largest of 2,160 plans among Georgia employers on file, and the 407th of 4,798 in finance & insurance. In 2025, employees put in $2.78 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$337,067,466
Participants with balances3,231
Active participants2,676
Employer contributions$7,575,408
Employee contributions$21,043,217
Employer contribution per active participant$2,831
Average account balance$104,323
Benefits paid to participants$34,120,346
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$337.1M · 3,231 accts · $7.6M emplr
2024$294.8M · 3,260 accts · $7.1M emplr
2023$265.0M · 3,373 accts · $7.4M emplr
2022$223.2M · 3,515 accts · $6.6M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$255,460
Audit (IQPA)$42,000
Total administrative$297,460
The Ameris Bancorp 401(k) match · 2025
Employer contribution per active participant$2,831
Median for plans this size$4,295
2025$2,831 per active participant
2024$2,639 per active participant
2023$2,697 per active participant
2022$2,339 per active participant

Ameris Bancorp's 2025 employer contribution ran below the $4,295 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$255,460
MAULDIN AND JENKINS · Accounting / audit$42,000

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history4
2025$297,460 · 0.09%
2024$306,425 · 0.11%
2023$270,799 · 0.11%
2022$242,488 · 0.10%
Similar plansFinance & Insurance · Georgia
Crawford & Company GA$592.5M · 0.11%
Digital Insurance, LLC GA$401.8M · 0.06%
Primerica, Inc. GA$336.2M · 0.02%
United Community Banks, Inc. GA$295.2M · 0.09%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 581456434 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.