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Retirement solutions that work for your business

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1) retirement programs for your business Be selective. Choose wisely. A retirement savings program should complement your business, not complicate it. At Ameritas, we will help you explore your options. And there are many. Type of Program Features and Benefits Traditional 401(k) It is the most popular employer-sponsored retirement plan for private companies. Plan participants can make pre-tax contributions. Employers may choose to match their participants’ contributions. Safe Harbor 401(k) This plan design gives highly compensated employees the ability to maximize their salary deferrals without the sometimes problematic nondiscrimination testing requirements. By providing a required employer contribution, a Safe Harbor 401(k) plan design has the potential to create more deferral opportunity and incent participants with an employer contribution. Roth Option Both the traditional 401(k) and Safe Harbor 401(k) retirement plans can elect to offer the Roth 401(k) feature. Roth contributions are made on an after-tax basis and earnings grow tax-free. Ameritas SoloPlus® This plan type is especially well suited for small businesses that employ only owners and their spouses and offers all the features available to larger employers. Ameritas EZ(k)® Our streamlined program features a Safe Harbor 401(k) with key features found in more traditional retirement plans, yet is simple to implement and administer. 401k ELITE Multiple Employer Plan (MEP)® With this plan, unrelated businesses participate in a single qualified retirement plan sponsored by a third party. With our 401k ELITE MEP, a business can achieve the economies of scale typically only realized by larger plans. It relieves the business owner of many of the time-consuming duties and responsibilities associated with sponsoring a plan. It’s cost-effective and reduces fiduciary responsibility and liability. New Comparability Plan Here is a plan that allows employers to maximize contributions to a targeted group. There can be different benefit structures for different divisions. In order for such a plan to meet non-discrimination requirements, certain minimum contributions are required for all benefiting employees. Ameritas Life Insurance Corp. of New York RP 2708 NY 8-14

2) Type of Program Features and Benefits Cash Balance Plan This defined benefit plan operates similar to a profit sharing plan. The contribution is determined annually based on an actuarial calculation that takes into consideration an individual’s current age and salary and years to retirement, typically age 65. Advantages include: • Plan sponsors can define their contributions • Deductible contributions are substantially higher than in a defined contribution plan, such as a 401(k) 457(b) Employees of states, municipalities, political subdivisions or agencies can participate in this deferred compensation plan to save for retirement. Which plan will work for you and your business? Our knowledgeable professionals can develop an appropriate plan and will assist in making the transition from your current provider. Our experienced team offers a full range of services that includes plan conversion, key administrative functions and administrative support. For more information, call 800-923-2732. Ameritas Life Insurance Corp. of New York Ameritas Life Insurance Corp. of New York Retirement Plans Division 1350 Broadway, Suite 2201 New York, NY 10018 800-923-2732 ameritas.com This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to: Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. is not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. Ameritas EZ(k)® and Ameritas SoloPlus® are registered service marks of affiliate Ameritas Mutual Holding Company. 401k ELITE Multiple Employer Plan® is a registered service mark of affiliate Ameritas Holding Company. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. © 2014 Ameritas Mutual Holding Company