Atlantic American Corporation 401(k): Principal, match 2.1% max
Atlantic American Corporation 401(k) Retirement Savings Plan · AAME · CIK 8177
Principal is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Maximum employer match, as a share of pay
2.1%
Atlantic American Corporation matches 35% of the first 6% of pay.
From the Form 11-K filed June 25, 2026 ↗, covering the plan year ended December 31, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What Atlantic American puts in, and what the plan costs
What Atlantic American put into the plan, per active participant
$6,283
Atlantic American Corporation put $6,283 into this plan for each of its 158 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
Atlantic American put in more per active participant than 77% of plans with 100–499 participants in insurance. The middle plan in that group of 490 reported $3,338. Insurance comes from business code 524290, which Atlantic American entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much Atlantic American pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended December 31, 2024, EIN 581027114, plan 001 · DOL EFAST2 ↗
The $6,283 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Atlantic American Corporation also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,040 a year at a $49,500 salary, and the same filing states employer contributions made outside the match. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What Atlantic American puts in
$1,040
a year, at a $49,500 salary.
The match paragraph, word for word
“For the year ended December 31, 2025, the Company’s employer matching contribution equaled 35% of up to the first 6% of a participant’s pre-tax and/or Roth contribution.”
What you contribute to collect all of it
Contribute at least 6% of your pay to collect the full match.
That is $2,970 a year at a $49,500 salary, and it scales with your own.
Vesting score
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% of the 369 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants are always 100% vested in their own contributions including pre-tax contributions, Roth contributions, after-tax voluntary contributions, rollover contributions, safe harbor matching contributions and any discretionary profit-sharing contributions.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
62nd percentile
$205.82 per participant in plan-paid administrative cost, more expensive than 62% of plans with 100–499 participants.
What is Atlantic American's 401(k) match formula?
Atlantic American's 401(k) employer match tops out at 2.1% of pay. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 35% of the first 6% of pay |
|---|---|
| Maximum employer match | 2.1% of compensation |
| Paid in company stock | No, paid in cash or per your investment elections |
| Other employer contribution | Employer profit-sharing contribution at the Company's discretion, allocated among all eligible participants whether they contribute or not; totaled $147,000 for the year ended December 31, 2025 |
| Other employer contribution | Non-elective contribution of 3% of compensation (up to a maximum of $350,000) to all participants, totaling $569,421 for the year ended December 31, 2025 |
At a $60,000 salary, contributing 6% ($3,600) earns the full employer match of $1,260 for the year.
What the filing says, word for word
“For the year ended December 31, 2025, the Company’s employer matching contribution equaled 35% of up to the first 6% of a participant’s pre-tax and/or Roth contribution.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Atlantic American's 401(k) vesting schedule?
Atlantic American vests the employer match immediately: 100% is yours as soon as it is paid in. Nothing is forfeited when you leave, which is not true of the two schedules that vest over time.
| Employer match vesting | Immediate: employer match is 100% vested when contributed |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | Participants become fully vested upon retirement, death, or disability. |
| Other employer contributions | The filing separately states that vested percentage attributable to certain employer contributions is based on years of continuous service: less than one year 0%, one year 20%, two years 40%, three years 60%, four years 80%, five years 100%; participants must have worked at least 1,000 hours in a calendar year for that year to count toward vesting. This graded schedule appears alongside a statement that safe harbor matching and discretionary profit-sharing contributions are always 100% vested, so it is unclear from the filing alone which employer contributions the graded schedule governs. |
Vesting, word for word
“Participants are always 100% vested in their own contributions including pre-tax contributions, Roth contributions, after-tax voluntary contributions, rollover contributions, safe harbor matching contributions and any discretionary profit-sharing contributions.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
Who can join Atlantic American's 401(k), and is enrollment automatic?
Atlantic American enrolls new hires automatically at 6% of pay.
| Plan entry | Employees eligible to participate are automatically enrolled effective on the date of employment. |
|---|---|
| Excluded groups | The Plan is a defined contribution plan available to all U.S. employees of Atlantic American Corporation and its subsidiaries (collectively, the “Company”) except collective bargaining employees, nonresident aliens, and leased employees. |
| Automatic enrollment | Yes: default deferral 6% of pay |
Eligibility, word for word
“The Plan is a defined contribution plan available to all U.S. employees of Atlantic American Corporation and its subsidiaries (collectively, the “Company”) except collective bargaining employees, nonresident aliens, and leased employees. Employees eligible to participate are automatically enrolled effective on the date of employment.”
Automatic enrollment, word for word
“Eligible employees automatically become a participant and are enrolled into the Plan at a 6% deferral rate on their date of hire.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Principal, filed as “PRINCIPAL LIFE INSURANCE COMPANY”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
5,239 plans on file name Principal as their recordkeeper. Of those, the 5,230 with a computable fee have a median plan-paid cost of $170.05 per participant.
Participants log in at Principal ↗. 401(k) Monitor is not affiliated with Principal or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Principal |
|---|---|
| Recordkeeper EIN | 420127290 |
What does the Atlantic American plan report on Form 5500?
The Atlantic American plan reported $29.2M in assets and 247 participants for plan year 2024.
| Total plan assets | $29,184,119 |
|---|---|
| Participants | 247 |
| Plan-paid admin cost per participant | $205.82 |
How that cost compares
This plan pays $205.82 per participant. The median across plans in insurance is $119.27, from the 1,004 of 1,068 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Atlantic American Corporation 401(k) Retirement Savings Plan, which has no page of its own here.
How does Atlantic American's 401(k) match compare?
Atlantic American Corporation's maximum 401(k) match of 2.1% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file in insurance, two report the same recordkeeper and one vests on the same schedule.
Maximum match 1% of pay. Also in insurance.
Maximum match 3% of pay. Also in insurance.
Maximum match 4% of pay. Also in insurance.
Maximum match 1.5% of pay. Same recordkeeper, Principal.
Maximum match 3% of pay. Same recordkeeper, Principal.
Maximum match 5% of pay. Vests immediately too, like Atlantic American.
Compare Atlantic American Corporation with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 25, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
Questions this filing answers
What is Atlantic American Corporation's 401(k) match?
Atlantic American Corporation matches 35% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the Atlantic American Corporation 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does Atlantic American Corporation's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay.
Who is the recordkeeper for Atlantic American Corporation's 401(k)?
Principal is named as the recordkeeper on the Form 5500 filed for Atlantic American Corporation 401(k) Retirement Savings Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that Atlantic American Corporation filed with the US Securities and Exchange Commission for the plan year ended December 31, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | Atlantic American Corporation |
| SEC CIK | 8177 |
| Accession number | 0001140361-26-026432 |
| Plan | Atlantic American Corporation 401(k) Retirement Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 25, 2026 |
401(k) Monitor is not affiliated with Atlantic American Corporation, with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “Atlantic American Corporation 401(k) plan facts”, from SEC Form 11-K accession 0001140361-26-026432, plan year ended December 31, 2025.
