ATA: Helping Independent Brokers Deliver Big Benefits to Small Business

For over 50 years, American Trust Administrators (ATA) has served as a trusted third-party administrator (TPA) specializing in level-funded health plans for small and mid-sized businesses across the United States.

ATA partners with independent brokers and general agents to deliver transparent, ERISA-compliant, surplus-returning group health plans that empower employers with 5–100 employees. By combining customizable plan design with real underwriting support and flexible compensation models, ATA helps brokers break free from one-size-fits-all carriers and win on Main Street.

Unlike traditional carriers, ATA delivers 100% surplus return to the plan when claims run well. This creates a powerful retention tool for brokers, a financial advantage for employers, and a mission-driven message that resonates with business owners who care about their teams and their bottom line.

We provide the tools and training brokers need to lead confidently:

Real-time quoting with flexible PEPM or fee-based commission structures

Individual health questionnaire (IHQ) underwriting for accurate pricing

Transparent plan documents and full stop-loss integration

Surplus calculators, field underwriting tools, and “True Cost” projections

Broker-focused support from sales to claims administration

Educational platforms like Level Funded University and The Noble Agent’s Guide to Level Funding

ATA serves employers in over 35 states and has helped return tens of millions of dollars in surplus refunds back to the businesses that drive our economy.

If you’re an independent broker or GA looking to grow your book, serve your clients with integrity, and provide smarter alternatives to fully insured plans, ATA was built for you.

📩 Contact us at Sales@ATAAmerica.com to quote a case or learn more about joining the ATA broker community.

American Trust Administrators, Inc.

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