Insurance carrier

AMERICAN HERITAGE LIFE INSURANCE COMPANY

Total premium: $405.2M
Filings: 1,885
Sponsors: 1,885
Covered lives: 1,369,810
Market share: 0.14%

health: 259dental: 2vision: 3life: 684std: 309ltd: 44drug: 8

Funding-model mix

The strategic axis. Fully-insured carriers underwrite the risk; ASO/self-funded carriers admin only. MEWA = multi-employer welfare arrangement.

Mixed2954.7%
Fully insured2343.4%
MEWA11.9%

Benefit-line mix

Contract counts by benefit type. Monoline carriers concentrate in one wedge; full-suite carriers spread across many.

Life68452.3%
Short-term disability30923.6%
Health25919.8%
Long-term disability443.4%
Prescription drug80.6%
Vision30.2%
Dental20.2%

Top states · with penetration index

Plan count by state. Index > 1.0 means over-indexed vs the national share; the carrier dominates that state.

State	Plans	Premium	State share	Index
TX	7	$6.9M	0.1%	2.21x
FL	7	$15.5M	0.2%	3.35x
NC	5	$777K	0.2%	4.50x
PA	4	$2.6M	0.1%	1.81x
WI	3	$1.0M	0.1%	3.00x
SD	3	$250K	0.9%	20.50x
MN	3	$679K	0.1%	2.84x
UT	2	$144K	0.2%	4.96x
OK	2	$211K	0.2%	4.64x
OH	2	$425K	0.0%	0.29x

Top industries by premium

NAICS-2 sectors where this carrier writes the most welfare premium.

Sponsor-size mix

Plan count by total participants. Mid-market sales motion vs jumbo enterprise looks completely different.

Premium per participant · vs market median

Median annual premium per participant on AMERICAN HERITAGE LIFE INSURANCE COMPANY's book vs the welfare-wide median, split by funding model.

Funding types with fewer than 5 plans suppressed (medians are unstable).

Prospect-flag exposure · vs market baseline

Share of AMERICAN HERITAGE LIFE INSURANCE COMPANY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-53 of 53 sponsors where AMERICAN HERITAGE LIFE INSURANCE COMPANY is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
JIM HAWK TRUCK TRAILERS, INC. JIM HAWK TRUCK TRAILERS, INC. AND AFFILIATES VOLUNTARY PRODUCTS PLAN	IA	$17K	30	mixed	HUB INTERNATIONAL GREAT PLAINS, LLC
BCC HOSPITALITY SERVICES, LLC BCC HOSPITALITY SERVICES, LLC ACCIDENT PLAN	FL	$7K	32	fully insured	MERCER HEALTH AND BENEFITS, LLC
FIRST NATIONAL BANK OF FORT SMITH FIRST NATIONAL BANK EMPLOYEES BENEFIT PLAN	AR	$699	47	fully insured	—

State

Plans

Premium

State share

Index

$6.9M

0.1%

2.21x

$15.5M

0.2%

3.35x

$777K

0.2%

4.50x

$2.6M

0.1%

1.81x

$1.0M

0.1%

3.00x

$250K

0.9%

20.50x

$679K

0.1%

2.84x

$144K

0.2%

4.96x

$211K

0.2%

4.64x

$425K

0.0%

0.29x

Sponsor

Loc

Premium

Covered

Funding

Broker

JIM HAWK TRUCK TRAILERS, INC.

JIM HAWK TRUCK TRAILERS, INC. AND AFFILIATES VOLUNTARY PRODUCTS PLAN

$17K

mixed

HUB INTERNATIONAL GREAT PLAINS, LLC

BCC HOSPITALITY SERVICES, LLC

BCC HOSPITALITY SERVICES, LLC ACCIDENT PLAN

$7K

fully insured

MERCER HEALTH AND BENEFITS, LLC

FIRST NATIONAL BANK OF FORT SMITH

FIRST NATIONAL BANK EMPLOYEES BENEFIT PLAN

$699

fully insured

—