Series

Distribution and Broker Economics

The broker sits between the employer and the product and controls whether the employer sees level funded at all. Series 14 follows that position through the compensation structures that shape recommendations, the E&O exposure that accumulates without documentation, the technology gap that constrains analytical quality, and the multi-model complexity that will separate durable practices from the rest.

LFP-14.01

How Level Funded Gets Sold: The Broker as Distribution Channel, Advisor, and Gatekeeper

88 percent of small employers buy health coverage through a broker. If the broker lacks level funded capability, the employer never sees the option. The gatekeeper constraint on …

LFP-14.02

Broker Compensation and Fiduciary Duty: How the Money Works and Where the Law Is Moving

Base commissions, volume overrides, production bonuses, and retention incentives flow from TPA and stop loss carriers to brokers in structures the CAA now requires to be disclosed. …

LFP-14.03

Transparency, Disclosure, and E&O Exposure: The Risks Brokers Carry and the Ones They Should Own

A 52-year-old member is diagnosed with renal cell carcinoma in month ten. At renewal, the stop loss carrier lasers that member. The employer asks: did you explain this could …

LFP-14.04

The Broker Technology Gap: Still Mostly Excel, Email, and Carrier Portals

The broker preparing a level funded renewal submits census files to three separate portals, extracts data in three formats, and reassembles it in a spreadsheet. The analytical …