401k Record

Employers › Ameris Bancorp

Ameris Bancorp 401(k)

Administrative expenses excluding investment management, per participant · Ameris Bancorp 401(k) Profit Sharing Plan · plan year 2024

$94.00

Higher than 72% of the 2,324 plans $250M to 1B that report it.

Source

= $306,425 / 3,260
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250729144448NAL0004928496001, received 2025-07-29
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250729144448NAL0004928496001, received 2025-07-29

10th: $18.52median $67.2190th: $147.71

Percentiles compare this plan with the Schedule H plans $250M to 1B in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-07-29.

Cost and contributions

Recordkeeping fees per participant

not reported

Not reported on this filing.

Administrative expenses per participant

$94.00

10th: $27.95median $88.2590th: $203.68

Higher than 54% of the 2,405 plans $250M to 1B that report it.

Source

= $306,425 / 3,260
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250729144448NAL0004928496001, received 2025-07-29
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250729144448NAL0004928496001, received 2025-07-29

Administrative expenses as a share of assets

0.104%

10th: 0.018%median 0.073%90th: 0.183%

Higher than 68% of the 2,407 plans $250M to 1B that report it.

Source

= $306,425 / $294,833,832
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250729144448NAL0004928496001, received 2025-07-29
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250729144448NAL0004928496001, received 2025-07-29

Employer contributions per participant

$2,177

10th: $1,169median $3,07390th: $8,346

Higher than 30% of the 2,457 plans $250M to 1B that report it.

Source

= $7,095,578 / 3,260
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250729144448NAL0004928496001, received 2025-07-29
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250729144448NAL0004928496001, received 2025-07-29

Employer share of total contributions

23.5%

10th: 17.5%median 31.1%90th: 48.7%

Higher than 25% of the 2,459 plans $250M to 1B that report it.

Source

= $7,095,578 / $30,201,003
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250729144448NAL0004928496001, received 2025-07-29
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250729144448NAL0004928496001, received 2025-07-29

Plan terms, as stated in Ameris Bancorp's SEC filings

Employer match

“The Plan provides for a non-elective matching contribution equal to 50% of the employee 401(k) elective deferrals that do not exceed 8% of eligible compensation as defined in the Plan for each payroll period during the year.”

Form 11-K filed 2026-06-23, for the year ended 2025-12-31 · plan description note, contributions · source document

Automatic enrollment

“The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.”

Form 11-K filed 2026-06-23, for the year ended 2025-12-31 · plan description note, contributions · source document

Terms quoted from the filing for the year ended 2025-12-31. Figures cover plan year 2024. The plan document governs.

Plan features

2E profit-sharing · 2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2S pre-approved plan document · 2T default investment (QDIA) · 3D IRS pre-approved plan · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20250729144448NAL0004928496001, received 2025-07-29

Full record, Ameris Bancorp 401(k) Profit Sharing Plan

FieldValueSource
Plan sponsorAMERIS BANCORPForm 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20250729144448NAL0004928496001, received 2025-07-29
Plan nameAMERIS BANCORP 401(K) PROFIT SHARING PLANForm 5500, line 1a; PLAN_NAME pos 16; filing 20250729144448NAL0004928496001, received 2025-07-29
Sponsor EIN / plan number58-1456434 / 002Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20250729144448NAL0004928496001, received 2025-07-29
Plan typesingle-employerForm 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20250729144448NAL0004928496001, received 2025-07-29
Sponsor locationATLANTA, GAForm 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20250729144448NAL0004928496001, received 2025-07-29
Industry (business code)522110, Finance and insuranceForm 5500, line 2d; BUSINESS_CODE pos 46; filing 20250729144448NAL0004928496001, received 2025-07-29
Plan year2024-01-01 to 2024-12-31Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20250729144448NAL0004928496001, received 2025-07-29
Filing received2025-07-29Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20250729144448NAL0004928496001, received 2025-07-29
Final filingnoForm 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20250729144448NAL0004928496001, received 2025-07-29
Amended filingnoForm 5500, Part I line B; AMENDED_IND pos 7; filing 20250729144448NAL0004928496001, received 2025-07-29
Participants, beginning of year3,492Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20250729144448NAL0004928496001, received 2025-07-29
Active participants2,689Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20250729144448NAL0004928496001, received 2025-07-29
Participants, end of year3,355Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20250729144448NAL0004928496001, received 2025-07-29
Participants with an account balance3,260Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250729144448NAL0004928496001, received 2025-07-29
Total assets, beginning of year$265,031,985Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20250729144448NAL0004928496001, received 2025-07-29
Total assets, end of year$294,833,832Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250729144448NAL0004928496001, received 2025-07-29
Net assets, end of year$294,833,832Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20250729144448NAL0004928496001, received 2025-07-29
Total income$64,927,612Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20250729144448NAL0004928496001, received 2025-07-29
Net income$29,801,847Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20250729144448NAL0004928496001, received 2025-07-29
Employer contributions$7,095,578Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250729144448NAL0004928496001, received 2025-07-29
Participant contributions$20,481,000Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20250729144448NAL0004928496001, received 2025-07-29
Other contributions (incl. rollovers)$2,624,425Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20250729144448NAL0004928496001, received 2025-07-29
Total contributions$30,201,003Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250729144448NAL0004928496001, received 2025-07-29
Benefit payments$34,749,012Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20250729144448NAL0004928496001, received 2025-07-29
Total expenses (incl. benefit payments)$35,125,765Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20250729144448NAL0004928496001, received 2025-07-29
Total administrative expenses$306,425Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250729144448NAL0004928496001, received 2025-07-29
Contract administrator fees$273,275Schedule H, line 2i(2); CONTRACT_ADMIN_FEES_AMT pos 106; filing 20250729144448NAL0004928496001, received 2025-07-29
IQPA audit fees$33,150Schedule H, line 2i(4); IQPA_AUDIT_FEES_AMT pos 161; filing 20250729144448NAL0004928496001, received 2025-07-29
Administrative expenses excluding investment management$306,425derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250729144448NAL0004928496001, received 2025-07-29
Held in mutual funds$83,365,469Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20250729144448NAL0004928496001, received 2025-07-29
Independent auditorMAULDIN & JENKINSSchedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20250729144448NAL0004928496001, received 2025-07-29

Position = column in the DOL layout for form year 2024. Filing 20250729144448NAL0004928496001, received 2025-07-29.

Service providers paid directly by the plan

ProviderRelationshipService codesDirect compensationIndirect
PRINCIPAL LIFE INSURANCE COMPANYrecordkeeperCONTRACT ADMINISTRATOR 13 Contract administrator; 37 Participant loan processing; 50 Direct payment from the plan; 64 Recordkeeping fees $273,274yes
UBS FINANCIAL SERVICES INCINVESTMENT ADVISORY 27 Investment advisory (plan); 50 Direct payment from the plan $111,731yes
MAULDIN & JENKINSACCOUNTANT 10 Accounting (including auditing); 50 Direct payment from the plan; 99 Other fees $33,150yes

Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20250729144448NAL0004928496001, received 2025-07-29.

What changed since the 2023 plan year

Figure20232024Change
Total assets$265,031,985$294,833,83211.2%
Participants with a balance3,3733,260-3.4%
Administrative expenses$270,799$306,42513.2%
Recordkeeping fees per participantnot reportednot reported
Employer contributions$7,449,866$7,095,578-4.8%

Prior filing 20240808114039NAL0002791475001, received 2024-08-08; the plan years are contiguous.

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Sponsor name as filed: AMERIS BANCORP; SEC registrant: Ameris Bancorp (CIK 351569, matched by EIN; display name from the Form 11-K cover).