Form 5500 · Employee benefit plan · OKLAHOMA CITY, OK
AMERICAN FIDELITY CORPORATION
The filing calls this plan AMERICAN FIDELITY CORPORATION FLEXIBLE BENEFIT PLAN.
AMERICAN FIDELITY CORPORATION of OKLAHOMA CITY, OK is a 3,414-participant corporate management employer whose group benefits are disclosed in its annual Form 5500 filing. Coverage is written through AMERICAN FIDELITY ASSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 73-0966202 · plan 502 · plan year 2025, filed Jul 31, 2026
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: death benefits, severance.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering health, vision, life and stop-loss; the largest, with AMERICAN FIDELITY ASSURANCE COMPANY, covers 3,381 people.
The filing declares health, vision, life, dental and disability. Dental and disability appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium is $4,119,806; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN FIDELITY ASSURANCE COMPANY | Life | 3,381 | Jan 1, 2026 | $3,089,930 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Stop-loss | 4,968 | Jan 1, 2026 | $669,836 | $0 |
| VISION SERVICE PLAN | Vision | 1,937 | Jan 1, 2026 | $360,040 | $0 |
Premium and claims on these contracts
AMERICAN FIDELITY ASSURANCE COMPANY, contract AFC EMPLOYEES. For the contract year on this filing, the carrier reported $3,089,930 in premium earned and $1,886,037 in claims incurred. Dividing one by the other gives 61%.
VISION SERVICE PLAN, contract 12227060. For the contract year on this filing, the carrier reported $360,040 in premium earned and $309,817 in claims incurred. Dividing one by the other gives 86%.
- VISION SERVICE PLAN, contract 12227060 reported $54,006 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
How this plan compares
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