Walk into the finals meeting with a number, not a deck.
Every administrator in that room will claim accuracy and transparency. You can hand your prospect a line-by-line rerun of their own claims showing what those exact claims would have cost. That is a different meeting.
- 2026 HIPAA Security RuleBuilt to it, not retrofitted
- AES-256 encryptionAt rest and in transit
- Immutable audit logs7-year retention
- SOC 2 Type IIIn progress, and we say so
- Clearinghouse-ready EDIClaims in, remittances out
Why partner
Built for how a broker actually wins and keeps a group.
See the partnership tiers or explore the platform.
You bring evidence, not adjectives
Every administrator in that room will say accurate and transparent. You can hand the prospect a line-by-line rerun of their own claims file showing what the same claims would have cost. Nobody argues with their own data for long.
The recommendation stops being a personal risk
This is the real objection and it deserves a real answer. Shadow mode runs us against live claims alongside the incumbent, so your client watches both answers before anything moves. You are recommending a comparison, not a leap.
Renewals defend themselves
Quarterly reviews generate from live claims data with your logo on them. When the client asks at renewal what they got for the spend, the answer already exists and you did not spend a weekend building it.
Your compensation survives scrutiny
CAA compensation disclosure is produced for every engagement, itemized to the dollar. When a client or their counsel asks what you are paid, the document is already in the file and it does not create an awkward conversation.
Onboarding does not stall a signed group
The platform reads your client's plan documents, drafts the configuration, and verifies it against test claims. The momentum you built winning the group does not die in an implementation queue.
No compliance conversation you did not plan for
Built to the 2026 HIPAA Security Rule from the start rather than retrofitted toward it. SOC 2 Type II is in progress and we say so plainly, which is a sentence you can repeat to a client without it coming back at you.
How we get paid
Nine ways a TPA can make money off your plan. We take one.
One should sound like a marketing number. So here are all nine, including what we would charge if we charged it, and the question that surfaces each one. Every line below is a real way administrators earn from self-funded employers, and most of them are legal, common, and invisible on your invoice. Read the list, then ask your current administrator to go down it with you.
- We take
Administrative fee
One disclosed per-employee charge. This is the whole of what we earn, and it is the same number whether your plan has a quiet year or a catastrophic one.
- We do not
Pharmacy spread pricing
Billing the plan more than the pharmacy was paid and keeping the difference. Our pass-through PBM bills you directly, so those dollars never touch our books.
- We do not
Retained pharmacy rebates
Manufacturer rebates kept rather than passed on. Ours are reported and belong to the plan.
- We do not
Network access fees
A per-member charge for routing claims through a network, often paid back to the administrator as a rebate. We retain none of it.
- We do not
Cost-containment contingency fees
A percentage of whatever a vendor claws back after payment. It rewards finding errors late. We catch them before payment, which earns us nothing extra and saves the plan the whole dollar. Subrogation is the one place a specialist is genuinely required: an independent firm pursues the liable third party and takes a contingency out of what it recovers. You can pick that firm yourself, you see their rate, it passes through at cost, and we keep none of it.
- We do not
Out-of-network repricing markup
A margin added when an out-of-network claim is repriced. We add none.
Every line on that list except the first one pays more when your plan spends more.
That is the whole problem with how this industry is paid, and it is why an administrator can be genuinely helpful and still cost you money. Ours is the one line that does not move, which means the only way we grow is by keeping plans long enough that they renew.
See what the fee actually coversHow it goes
From application to your first deal, without the runaround.
Apply
A 15-minute intake call and a straight yes or no within 24 hours, with the reasoning either way. You will not spend a month waiting on a committee.
Arm up
Partner portal, RFP response library, and co-branded materials. Everything you need to pitch without building slides from scratch.
Win
Take a prospect's claims file, hand back a repriced report, and let the numbers carry the meeting. Or hand us the prospect and keep the relationship while we bring the proposal and the answers.
Renew
Quarterly business reviews generate themselves from live data and make the case for you at renewal, in your branding.
The toolkit
Everything you need to pitch, win, and defend the renewal.
The parts of a self-funded placement that usually eat your evenings, already built.
- Co-branded marketing and proposal materials
- Self-serve RFP response library
- Quarterly business review reports, generated from live data
- Live partner dashboard covering your whole book
- Priority RFP response in 48 hours at Preferred tier and above
Partner portal
- Every group you placed: status, funding, renewal date
- Compensation itemized to the dollar, CAA-disclosure ready
- Claims and spend trends per client, updated as they land
- Quarterly business review reports, generated automatically
Tiers
Three tiers, built to grow with your book.
Referral Partner
For brokers new to self-funded
- Standard partner compensation
- Self-service RFP library
- Monthly partner newsletter
- Online training portal
- Client dashboard access
Preferred Partner
For brokers building a self-funded book
- Enhanced partner compensation
- Quarterly business reviews
- Co-branded marketing materials
- Priority RFP response in 48 hours
- Early access to new features
Strategic Partner
For brokers with an established book
- Custom partner compensation
- Joint go-to-market programs
- Quarterly executive business reviews
- Custom integrations, including CRM
- Referral program for sub-brokers
Ready to partner?
Join the SmartTPA broker network.
Tell us about your book. You get a straight answer within 24 hours and the reasoning either way. No long forms, no committee.