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Original filing (PDF)20250729144448NAL0004928496001
AMERIS BANCORP
Form 5500
FILING_RECEIVED
AMERIS BANCORP 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
2,689
Accounts w/ balance
3,260
Plan assets (EOY)
$294.8M
Net assets (EOY)
$294.8M
How this plan invests
This plan
15 pooled trusts
Schedule D
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
80
Vendor stack
80
Participation health
100
Knocking points off
- 14 bps in Schedule C fees — modestly above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AMERIS BANCORP.
Plan sponsor
Name
AMERIS BANCORP
EIN
58-1456434
Address
3490 PIEDMONT RD NE · ATLANTA, GA · 303051743
Phone
(229) 616-6103
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-29
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
MAULDIN & JENKINS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UBS FINANCIAL SERVICES INC | 13-2638166 | — | INVESTMENT ADVISORY | $112K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $273K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MAULDIN & JENKINS | 58-0692043 | — | ACCOUNTANT | $33K | — |
Investments
18 direct securities · 15 pooled funds· $297.9M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Pooled Separate Account
$174.1M
15 holdings
Uncategorized
$123.8M
18 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME 2035 SEP ACT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 112 | Pooled Separate Account | — | — | $28.9M | 9.8% | |
| PRIN LIFETIME 2030 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 077 | Pooled Separate Account | — | — | $28.9M | 9.8% | |
| VANGUARD GROUP - VANGUARD 500 INDEX ADMIRAL FD Mutual Fund | — | — | — | $27.2M | 9.2% | |
| PRIN LIFETIME 2040 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 078 | Pooled Separate Account | — | — | $24.2M | 8.2% | |
| PRIN LIFETIME 2025 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 111 | Pooled Separate Account | — | — | $22.2M | 7.5% | |
| PRIN LIFETIME 2045 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 113 | Pooled Separate Account | — | — | $20.8M | 7.1% | |
| JP MORGAN INVESTMENT MGMT INC JP MORGAN LARGE CAP Mutual Fund ** GROWTH R6 FD | — | — | — | $19.5M | 6.6% | |
| Interest Identity of Issuer, Borrower, Lessor, or Similar Party Description of Investment Acquisition Value INVESTMENTS * AMERIS BANCORP Common Stock | — | — | — | $17.0M | 5.8% | |
| PRINCIPAL GUARANTEED OPTION Investment Contract | — | — | — | $14.3M | 4.9% | |
| PRIN LIFETIME 2050 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 079 | Pooled Separate Account | — | — | $12.7M | 4.3% | |
| PRIN LIFETIME 2055 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 114 | Pooled Separate Account | — | — | $9.5M | 3.2% | |
| PRIN LIFETIME 2020 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 076 | Pooled Separate Account | — | — | $8.8M | 3.0% | |
| JP MORGAN INVESTMENT MGMT INC JP MORGAN EQUITY INCOME R6 Mutual Fund ** FD | — | — | — | $6.2M | 2.1% | |
| LOANS * NOTES RECEIVABLE FROM PARTICIPANTS Loans 4.25% - 9.50% - | — | — | — | $5.7M | 1.9% | |
| PRIN LIFETIME 2060 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 130 | Pooled Separate Account | — | — | $5.7M | 1.9% | |
| VANGUARD GROUP - VANGUARD SM CAP INDEX ADM FUND Mutual Fund | — | — | — | $4.8M | 1.6% | |
| JP MORGAN INVESTMENT MGMT INC JP MORGAN MID CAP GROWTH Mutual Fund ** R6 FD | — | — | — | $4.5M | 1.5% | |
| VANGUARD GROUP - VANGUARD MID CAP INDEX ADM FD Mutual Fund | — | — | — | $4.2M | 1.4% | |
| MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM STR INC SEP ACCT Pooled Separate Account | — | — | — | $3.4M | 1.2% | |
| PRIN LIFETIME STRAT INC SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 080 | Pooled Separate Account | — | — | $3.4M | 1.2% | |
| VANGUARD GROUP - VANGUARD TTL BD MKT IDX ADM FD Mutual Fund | — | — | — | $3.3M | 1.1% | |
| PRIN LIFETIME 2015 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 110 | Pooled Separate Account | — | — | $3.0M | 1.0% | |
| CAPITAL RESEARCH AND MGNT CO - AMERICAN FUNDS NEWPRSP R6 Mutual Fund ** FND | — | — | — | $2.9M | 1.0% | |
| MFS INVESTMENT MANAGEMENT - MFS INTERNATIONAL GROWTH R6 Mutual Fund ** FUND | — | — | — | $2.6M | 0.9% | |
| PRIN LIFETIME 2065 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 173 | Pooled Separate Account | — | — | $2.4M | 0.8% | |
| VANGUARD GROUP-VANGUARD DEV MKTS INDEX ADM FD Mutual Fund | — | — | — | $2.3M | 0.8% | |
| PGIM INVESTMENTS, LLC - PGIM TOTAL RET BOND R6 FD Mutual Fund | — | — | — | $1.9M | 0.6% | |
| MASSMUTUAL - MASSMUTUAL PREM IN-PRO & INC I Mutual Fund | — | — | — | $1.9M | 0.6% | |
| PRIN SMCAP GROWTH I SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 070 | Pooled Separate Account | — | — | $1.7M | 0.6% | |
| PRIN SMCAP VALUE II SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 096 | Pooled Separate Account | — | — | $1.3M | 0.5% | |
| AMERICAN CENTURY INVESTMENT MANAGEMENT - AMERICAN Mutual Fund ** CENTURY MID-CAP VAL R6 | — | — | — | $1.3M | 0.4% | |
| CAPITAL RESEARCH AND MGNT CO - AMERICAN FUNDS NEWWORLD Mutual Fund ** R6 | — | — | — | $868K | 0.3% | |
| PRIN LIFETM 2070 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 179 | Pooled Separate Account | — | — | $557K | 0.2% |
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