Amerilife US, LLC

Clearwater, FL Finance & insuranceNAICS 524290

Self-funded health planPlan year 2025Renews January
3,475Participants+59% vs. prior year
$8.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 23Finance & insurance in FLBy participants

Overview

Amerilife US, LLC sponsors a self-funded health plan that covered 3,475 participants in plan year 2025, up 59% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
3,475 · prior year 2,192
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Amerilife US, LLC Health and Welfare Plan, plan 501 (3,475 participants)
Broker compensation
$676K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Unum Life Insurance Company of AmericaLife, Long-term disability, Short-term disability4,211$1.9M$325K
Unum Insurance CompanyGRP Accident, Attained Age Critical Illness, Hospital EE Paid624$454K$98K
Vision Service PlanVision2,350$241K$25K
Delta Dental Insurance CompanyDental5,323$187K$187K
Metropolitan General Insurance CompanyLegal369$77K$7K
Trustmark Insurance CompanyLife38$73K$34K
First Unum Life Insurance CompanyDisability65$18K—

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$8.2M/ year

Estimated prescription spend: 3,475 participants × $2,371 national average per member. Usually higher once dependents are counted.

$214K–$528K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$63K–$157K
Lower-cost therapeutic alternatives$91K–$191K
Generic pricing vs. actual cost$40K–$119K
PBM contract terms$21K–$62K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Amerilife US, LLC
Sponsor EIN
51-0431043
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 51-0431043 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Amerilife US, LLC 401(k) Plan
Type
401(k) plan
Participants
3,794

About this data

Source: Amerilife US, LLC's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Amerilife US, LLC.

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