Ameriflex
We Keep Your World Quiet -- employee benefits administration made simple.
Overview
Ameriflex is one of the nation's leading independent providers of employee benefits administration, trusted by brokers and employers to simplify benefits, ensure compliance, and reduce administrative burden. Founded in 1998 and headquartered in Carrollton, Texas, the company serves more than 50,000 employers across all 50 states and Canada, representing over 1.2 million individual participants. The A.E. Perkins (AEP) family of companies processes more than 13 million transactions annually and manages more than USD 3 billion in payments.
The company maintains a 98% client retention rate and a Net Promoter Score (NPS) four times the industry average. Ameriflex is known for its broker-centric distribution model, making it a preferred partner for independent insurance brokers and benefits consultants. The company has also generated more than USD 2 billion in cumulative participant savings since inception.
Ameriflex operates as part of A.E. Perkins Holdings Group, whose portfolio also includes Accresa (direct primary care payments platform), Workforce Go (payroll, HR, and ACA compliance platform), Acressa Insurance (captive insurance), A.E. Perkins Capital (investment and M&A), and ECDC (Employer Coalition for Direct Care), a nonprofit promoting direct care benefit programs.
Products & Services
Tax-Advantaged Accounts
Ameriflex administers 15+ tax-advantaged benefit programs through a unified platform, covering health, lifestyle, and dependent care expenses. Key Programs:
Key Features
- Flexible Spending Account (FSA): Pre-tax health and dependent care accounts with consolidated multi-wallet debit card (Mastercard-powered)
- Health Savings Account (HSA): Interest-bearing savings accounts paired with high-deductible health plans
- Health Reimbursement Arrangement (HRA): Employer-funded reimbursement accounts
- Individual Coverage HRA (ICHRA): Employer HRA enabling employees to purchase individual health coverage; strong focus on mid-market employers (50-500 employees); bundled TAAP offering includes COBRA, compliance docs, and 24/7 concierge care navigation
- Excepted Benefit HRA (EBHRA): Limited-scope HRA for specific healthcare benefits
- Limited Purpose FSA (LPFSA): FSA restricted to vision and dental expenses
- Dependent Care Account (DCA): Pre-tax accounts for childcare and elder care expenses
- Commuter Reimbursement Account (CRA): Pre-tax transit and parking benefits
- Lifestyle Spending Account (LSA): Employer-funded accounts covering wellness and lifestyle expenses
- Tuition Reimbursement: Educational assistance programs
Target Users: Employers and their employees; administered via dedicated employer and participant portals
COBRA Administration
Automated COBRA and direct billing administration with end-to-end compliance management, notifications, and payment processing.
Key Features
- Automated election notices and qualifying event tracking
- Direct billing for COBRA and retiree benefit continuation
- Integration with payroll and HR platforms
Target Users: HR administrators and plan sponsors managing group health continuation coverage
Compliance Services
ERISA/POP plan documents, ACA reporting, non-discrimination testing, Form 5500 filing support, and regulatory guidance to protect employers from compliance risk.
Key Features
- COBRA Ultimate Guide and compliance decision tools
- PCORI fee calculation support
- SPD WRAP and POP document preparation
- Ready-to-use broker client email templates and compliance checklists
- Substance use disorder plan amendment guidance (new 2026 federal requirement)
Target Users: Brokers and HR teams managing regulatory obligations
Virtual Care and Care Navigation
Digital health access including mental health support, telehealth, and care coordination, typically bundled with account-based benefit programs.
Target Users: Employees seeking affordable healthcare access alongside their existing benefits
MyPlanConnect (Integration Platform)
A carrier connectivity platform offering 70+ EDI integrations with major health insurance carriers and payroll/HR systems, enabling automated data exchange for enrollment and eligibility. Key Integrations: Aetna, Anthem BCBS, Cigna, Humana, Kaiser Permanente, UnitedHealthcare; payroll systems including ADP, Paychex, Paycom, Paycor, Paylocity, Workday; HR/benefits platforms including BenefitFocus, Businessolver, PlanSource
Target Users: HR and benefits teams managing carrier enrollment data
At a Glance
- Founded
- 1998
- Headquarters
- Carrollton, Texas
- Employees
- 201-500
- Funding
- Bootstrapped
Category & Focus
- Category
- Benefits Administration
- Subcategories
- FSA/HSA/HRA Administration COBRA Administration ACA Compliance Commuter Benefits Lifestyle Spending Accounts ICHRA Administration
- Insurance Verticals
- Health Group Benefits
- Target Customers
- Carriers, Brokers, Employers
Customers
- Aflac (December 2025 -- CDH administration in public sector market)
- Accresa (sister company, direct primary care)
- Mastercard (consolidated multi-wallet debit card for participant accounts)
Links
Last updated: 2026-04-09