Zenith American Solutions
Zenith American Solutions is a privately held third-party administrator, founded in 1944 and headquartered in Tampa, Florida, providing Taft-Hartley and multiemployer benefit fund administration—covering health and welfare, retirement/pension, claims, and contribution accounting—for over 300 clients, 700+ funds, and 2 million union participants nationwide.
- Company typePrivate
- Founded1944
- HeadquartersMokena, United States
- Headcount5,001–10,000
- GTM typeB2B
- OfferingServices
What Zenith American Solutions does
Zenith American Solutions is a privately held third-party administrator (TPA) founded in 1944 and headquartered in Tampa, Florida, specializing in Taft-Hartley and multiemployer benefit fund administration. The company is a wholly owned subsidiary of Harbour Benefit Holdings, Inc., which also owns Pacific Federal LLC, Associated Administrators LLC, Benefits Administration LLC, and A.W. Rehn and Associates. Zenith serves approximately 300 clients representing over 700 funds and more than 2 million union plan participants across the United States, delivered through a national footprint of 35+ regional offices.
Zenith operates an integrated proprietary technology platform anchored by four role-based "Edge" portals (Participant Edge, Employer Edge, Provider Edge, and Trustee Edge) plus Zenith Flex for consumer-driven reimbursement accounts (FSA/HRA/HSA/HCRA/MRP), with mobile apps on iOS and Android. The platform supports contribution accounting, health claims adjudication, pension/retirement processing, COBRA administration, and financial reporting on a single adjudication backbone, backed by SOC 1 Type II and SOC 2 Type II attestations (August 2024–July 2025 review period). Product solutions overlay the core platform including claims cost containment (with claimed ROI up to 72% on out-of-network claims), J-Code drug rebates, dependent eligibility audits, specialty drug advocacy, MSK navigation, subrogation recoveries, and telemedicine via MD Live and Teladoc integrations.
Revenue is generated through negotiated per-client subscription/managed-services fees structured by plan type (Health & Welfare, Retirement/Pension, or combined) and participant count tiers (Under 250 to 5,000+), under multi-year contracts initiated via a customized RFP process. Go-to-market is sales-led, supported by a dedicated sales team, regional presidents, plan-professional referral networks (consultants, attorneys, auditors), and active participation in industry events (IFEBP, NABTU, IBEW, NLMC). The company reports a 2025 Net Promoter Score of 42 (vs. U.S. industry average of +23) and 87% Client Services Manager satisfaction, supported by an upgraded telephony system that achieved a 4.4/5 customer satisfaction score.
Zenith American Solutions firmographics
Firmographics- Name
- Zenith American Solutions
- Legal name
- Zenith American Solutions, Inc.
- Website
- https://www.zenith-american.com
- Company type
- Private
- Founded year
- 1944
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Zenith American Solutions is a privately held third-party administrator, founded in 1944 and headquartered in Tampa, Florida, providing Taft-Hartley and multiemployer benefit fund administration—covering health and welfare, retirement/pension, claims, and contribution accounting—for over 300 clients, 700+ funds, and 2 million union participants nationwide.
- Ownership category
- akta.pro rank
Zenith American Solutions industry classification
Industry- Product category
- Third-Party Benefits Administration
- NAICS
- Health and Welfare Funds (525120), Pension Funds (525110), All Other Support Services (561990)
- SIC
- Services-Health Services (8000)
- akta.pro primary industry
- Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)
- akta.pro secondary industries
- Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK), Benefits Administration & Enrollment Support (BPAAAIAB), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)
Keywords
Where Zenith American Solutions is headquartered
LocationHeadquarters
- HQ city
- Mokena
- HQ country
- United States
- HQ region
- North America
Offices34 records
Markets served
Zenith American Solutions business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Third-Party Administration Services: Zenith charges trust funds and plan sponsors for comprehensive third-party administration services covering health and welfare, retirement/pension, and multiemployer Taft-Hartley plans. Revenue is generated through service fees based on plan size, participant count, and scope of services administered. The company services 300 clients representing over 700 funds.
- Cost Containment and Product Solutions: Additional revenue streams from specialized product solutions including claims cost containment (with ROI up to 72% on out-of-network claims), J-Code Medical Drug Rebate Program, dependent eligibility audits, specialty drug advocacy, MSK navigation, subrogation recoveries, and telemedicine services. These are integrated into the overall administration service offering.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Custom per-client pricing based on plan type and participant count |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Zenith American Solutions product offering
Product offeringCore offering
Zenith American Solutions is a third-party administrator providing comprehensive benefits administration services for Taft-Hartley and multiemployer trust funds. Its core offerings cover health and welfare plan administration, retirement/pension plan processing, claims services, contribution accounting, eligibility management, customer care, and financial/regulatory reporting. Services are delivered through dedicated client teams, a national network of 35+ regional offices, and a proprietary suite of Edge web/mobile portals.
Product overview
Zenith American Solutions provides third-party benefits administration for Taft-Hartley trust funds and multiemployer plans through a modular portfolio of core services and product solutions. Core Services include Health and Welfare Administration, Customer Care, Claims Services, Medical Reimbursement, Contribution Accounting, Financial Administration, Retirement Plan Processing, and Privacy and Security Compliance. Product Solutions include Claims Cost Containment, Employer Edge™ payment optimization, Consumer-Driven Health Plan Solutions, Dependent Eligibility Audit, Specialty Drug Advocacy, Telehealth (via MD Live/Teladoc), Musculoskeletal programs, Price Comparison Tool, Privacy and Security Officer, and J-Code Drug Rebate Program. The company offers integrated participant, provider, employer, and trustee portals (Participant Edge, Provider Edge, Employer Edge™, Trustee Portal) and Zenith Flex for reimbursement account management, all supported by SOC 1 and SOC 2 Type II certified infrastructure.
Differentiator
Problem solved
Functional benefit
Brands
- Participant Edge: Online portal for plan participants to access benefits, claims, pension information, and manage their accounts
- Employer Edge
- Provider Edge
- Trustee Edge
- Zenith Flex
- MyEmployer Edge
Products and services
- Health and Welfare Administration End-to-end administration of health and welfare benefit plans for Taft-Hartley and multiemployer trust funds, including plan set-up, ongoing eligibility management, board-meeting coordination, and collaboration with plan professionals such as consultants, attorneys, and auditors.
- Customer Care State-of-the-art contact center providing attentive participant, employer, and trustee support, with real-time reporting tools, recorded and monitored calls for quality assurance, and 24/7 support capabilities following the October 2024 telephony upgrade.
- Claims Services Integrated medical, dental, vision, and Rx claims administration on a single platform, including out-of-network claims management and cost containment solutions delivering ROI up to 72% on out-of-network claims.
- Medical Reimbursement Reimbursement services that integrate with medical, Rx, dental, and vision programs, featuring auto-substantiation and debit cards for streamlined member reimbursement.
- Contribution Accounting Electronic contribution and hour submissions through the Employer Edge portal, with team collaboration for quick discrepancy resolution and accurate record allocation across multiple contributing employers.
- Financial Administration Financial accounting and regulatory reporting for compliant fund administration, including financial statement preparation, government filings, and plan expense payments.
- Retirement Plan Processing
Quantifiable outcome
- ROI of up to 72% on out-of-network claims through cost containment programs
- +4 more outcomes
Companies that use Zenith American Solutions
Customer profileNamed customers12 records
Segments7 records
Ideal customer profiles3 records
Zenith American Solutions technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature8 records
Zenith American Solutions partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and supporting.
- A.W. Rehn & AssociatescoreAcquired by Harbour Benefit Holdings (Zenith's parent) in April 2025, effective July 15, 2024. A.W. Rehn & Associates is a third-party administrator based in Spokane, Washington specializing in health, welfare, and retirement administration services for Taft-Hartley trust funds in the Pacific Northwest. The acquisition expands Harbour's and Zenith's presence in the Pacific Northwest, bringing Rehn's client base under the Harbour family of companies. Rehn operates as a wholly owned subsidiary of Harbour under continued leadership of President David Kimmet.
- MD LivesupportingTelemedicine partner providing 24/7 access to healthcare for non-emergency conditions through board-certified professionals via phone, video, or app. Integrated into Zenith's health and welfare plan offerings as part of the product solution suite.
- TeladocsupportingTelemedicine partner providing 24/7 access to healthcare for non-emergency conditions via phone, video, or app. Part of Zenith's suite of product solutions for health and welfare plans.
- Hon. Lisa M. GomezsupportingFormer Assistant Secretary of Labor and nationally recognized benefits law expert who partners with Zenith for the 'Insider Insights for Multiemployer Plans' exclusive webinar series. Provides insider regulatory perspectives and compliance insights for Taft-Hartley and multiemployer plan leaders.
- Harbour Benefit Holdings, Inc.coreHarbour Benefit Holdings, Inc. (formerly Zenith American Holding, Inc.) is the parent holding company of Zenith American Solutions. Harbour's family of companies includes Zenith American Solutions, Pacific Federal LLC, Associated Administrators LLC, Benefits Administration LLC, and A.W. Rehn and Associates. Kim Fiori serves as CEO of both Harbour and Zenith.
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
Zenith American Solutions competitors and assessment
Company assessmentDirect peers
- U.S. Administrative Services (USAS): USAS is a Taft-Hartley and multiemployer third-party administrator offering health, welfare, and retirement plan administration. It directly competes with Zenith in the same union trust fund niche with overlapping service offerings and customer base.
- Loomis & Company: Loomis is a Taft-Hartley benefits consulting and third-party administration firm serving multiemployer trust funds. It is one of Zenith's closest direct peers in the niche with comparable offerings in actuarial, claims, and plan administration.
Broad incumbents
- Milliman: Milliman is a global actuarial and benefits consulting firm that provides multiemployer plan administration, actuarial valuations, and pension administration services. It competes with Zenith in the larger multiemployer/pension segment as a well-capitalized incumbent.
- Mercer (Marsh McLennan): Mercer provides health, welfare, and retirement consulting plus benefits administration for large employers and some multiemployer plans. As a global consulting powerhouse, it competes with Zenith primarily at the upper end of plan complexity and consultative RFPs.
- OneDigital: OneDigital is a large U.S. insurance, benefits, and HR consulting firm that offers benefits administration alongside brokerage and consulting. It is an incumbent that increasingly competes for multiemployer and Taft-Hartley-adjacent clients.
- CBIZ Benefits & Insurance Services: CBIZ provides employee benefits administration, actuarial services, and benefits consulting to mid-market and large employers, including some multiemployer plan work. It is a broad incumbent overlapping with Zenith in benefits administration and HR services.
- WEX Inc. WEX operates a large benefits administration and healthcare payments platform covering HSA, FSA, HRA, COBRA, and consumer-directed benefits. It overlaps with Zenith Flex and broader benefits admin, serving as a well-funded incumbent.
- ADP TotalSource / Benefits Administration: ADP offers benefits administration as part of its broader HR/payroll platform and increasingly competes for retirement and welfare administration. As a Fortune 500 incumbent, it represents scale competition for any single-employer expansion Zenith pursues.
- Conduent Human Resource Services: Conduent provides benefits administration and HR services to employers and government entities. As a large BPO incumbent, it competes with Zenith for benefits administration outsourcing contracts at the enterprise level.
Others
- Associated Administrators LLC: Associated Administrators is a sibling entity under Harbour Benefit Holdings (Zenith's parent) and provides Taft-Hartley administration in Maryland. Included as a related ecosystem participant rather than a true market competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
Zenith American Solutions social profiles
Digital presenceZenith American Solutions compliance and trust
Trust signalCompliance3 records
Zenith American Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zenith American Solutions leadership team
Management profileNumber of profiles
Profiles8 records
Zenith American Solutions subsidiaries and ownership
Company hierarchySubsidiaries1 record
Zenith American Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zenith American Solutions M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zenith American Solutions
What does Zenith American Solutions do?
Zenith American Solutions is a third-party administrator providing comprehensive benefits administration services for Taft-Hartley and multiemployer trust funds. Its core offerings cover health and welfare plan administration, retirement/pension plan processing, claims services, contribution accounting, eligibility management, customer care, and financial/regulatory reporting. Services are delivered through dedicated client teams, a national network of 35+ regional offices, and a proprietary suite of Edge web/mobile portals.
Is Zenith American Solutions a public or private company?
Zenith American Solutions is a private company. It is classified as corporate owned and is currently operating.
When was Zenith American Solutions founded?
Zenith American Solutions was founded in 1944. It employs 5,001 to 10,000 people.
Where is Zenith American Solutions based?
Zenith American Solutions is headquartered in Mokena, United States, in the North America region.
How does Zenith American Solutions make money?
Two revenue lines are on record. Third-Party Administration Services are the primary driver. The others are cost Containment and Product Solutions.
Who are Zenith American Solutions's main competitors?
Direct peers on record are U.S. Administrative Services (USAS) and Loomis & Company. Broad incumbents are Milliman, Mercer (Marsh McLennan), OneDigital, CBIZ Benefits & Insurance Services, WEX Inc., ADP TotalSource / Benefits Administration and Conduent Human Resource Services. Associated Administrators LLC is listed as an others.
Does Zenith American Solutions have an API?
No public API is recorded for Zenith American Solutions.
What industry is Zenith American Solutions in?
Zenith American Solutions's product category is Third-Party Benefits Administration. Its primary akta.pro industry code is FSAIAFAG, Taft-Hartley / Union Multiemployer Group Health Plans, with a secondary code of HLAEALAK, Flexible Benefits Administration (FSA/HSA/HRA). Its NAICS code is 525120 and its SIC code is 8000.