TPAs in HQ: your network's third-party administrators at a glance

What the TPAs section is

TPAs (third-party administrators) sit between a carrier and a claim: they process the claim, cut the checks, and take a fee for the service. Every franchisee in your network already deals with a handful of them, and each one has its own payment speed, fee structure, and appetite for pushing back on supplements. The HQ TPAs section rolls all of that up to the network level, so leadership can see which TPAs the network depends on most, which ones are slow to pay, and which ones are cutting the hardest, without pulling a single franchisee's private numbers to do it.

This page is one of three tabs inside HQ's Accounts cluster, the revenue-in side of the network (a carrier pays the operator after a claim is approved, a TPA administers that payment on the carrier's behalf, and a commercial client pays directly with no carrier in the loop at all). Accounts is distinct from Vendors, which is the spend-out side of the business, and from Assets, which is what the network owns.

Where to find it

Open the HQ sidebar and look under the Revenue group for Accounts. That link lands on the Carriers tab at hq.verinode.ai/carriers. From there, click the TPAs pill to land on hq.verinode.ai/tpas, the page this article covers.

The Accounts pill navigation

At the top of the page, under the page title, sits a rounded pill-shaped tab strip with three options:

• Carriers, insurance carriers your franchisees bill directly.
• TPAs, the third-party administrators covered here.
• Commercial, commercial clients who pay without a carrier or TPA in between.

The active tab is filled in copper; the other two sit transparent until you click them. Each pill is its own URL (/carriers, /tpas, /commercial), so bookmarking or sharing a link takes you straight to that tab. Clicking TPAs doesn't reload the whole page shell, it swaps the row content underneath the same sticky title and pill strip.

The five rows

Below the pill strip, the page runs top to bottom as five horizontal rows. Each row is scrollable if it has more tiles than fit on screen, and every tile in every row opens the same TPA detail overlay when clicked (more on that below).

Row 1: Network TPAs (hero)

The top row is a hero panel, not a scrolling tile row. It reads:

• Headline: the total count of distinct TPAs your network has rolled-up activity with.
• Pill, next to the headline: "N multi-franchisee" when at least one TPA is used by more than a single franchisee, or "No data yet" when none are.
• Subtext, one line: N jobs in the last 36 months, followed by · N in the last 30d when there's been recent activity, and · top: <TPA name> naming whichever TPA has billed the most over the last 36 months. If any TPAs were held back for privacy reasons (see below), the line ends with N hidden as single-franchisee.
• Three secondary numbers underneath:

- Billed 36mo: total dollars billed across every TPA in the network over the trailing 36 months. Its sub-line reads the total dollars collected against that billing, or "Network total billed" if nothing has been collected yet. - Avg admin fee: the average administration fee charged, averaged across every franchisee that has reported a fee. Reads "Awaiting fee data" until at least one franchisee has one on file. - Avg days-to-pay: the network-wide average days between billing a TPA and getting paid, weighted by job volume. Colored green when the network average is 30 days or under ("Inside 30-day target"), amber up to 60 days, and red past that; reads "Awaiting payment data" until payment timing is on file.

When there are no TPAs at all, the hero's subtext reads: "TPA data will appear as franchisees record TPA-administered claims."

Row 2: Slowest Payers

This row surfaces the TPAs taking the longest to pay out, network-wide, up to six of them, worst first. Each tile shows:

• Label: the average days to pay for that TPA (e.g. "58 days"). Tiles are red-accented past 60 days, amber at or under.
• Headline: the TPA's name.
• Sub: how many franchisees are currently serving claims through that TPA.
• Meta: total dollars billed to that TPA over the last 36 months, when known.

Only TPAs with payment-timing data on file appear here. When none do, the row shows: "Payment-cycle data appears once franchisees record days_to_pay on TPA-administered jobs."

Row 3: Broadest Network Footprint

This row ranks TPAs by how many franchisees use them, up to eight, broadest first. It's the "who does the whole network already deal with" view, useful for spotting a TPA relationship worth negotiating network-wide rather than franchisee by franchisee. Each tile shows:

• Label: franchisee count ("1 franchisee" or "N franchisees").
• Headline: the TPA's name.
• Sub: job volume over the last 36 months.
• Meta: total dollars billed, when known.

Empty state: "Network footprint by TPA will appear once franchisees register their TPA relationships."

Row 4: Heaviest Pushback

This row surfaces the TPAs cutting the deepest into submitted supplements, up to six, worst first, ranked by dollars denied and then by denial rate. Each tile is a larger, high-intensity action tile:

• Label: total dollars denied ("$42k cut"), or just "Denied" if a dollar figure isn't available.
• Headline: the TPA's name.
• Sub: "Denies N% of supplement dollars" (the share of submitted supplement dollars this TPA has denied), or "Supplement denials on file" if a precise rate isn't available yet.
• Meta: a trend note ("+Npts last 30d") when the denial rate is climbing, followed by the franchisee count serving that TPA.

Tiles are red-accented at a 30% denial rate or higher, amber below it. Only TPAs with actual denied dollars on the books appear. Empty state: "Supplement denial data appears once franchisees record supplements with TPAs across the network."

Row 5: All TPAs

The full list, up to 18 TPAs, sorted by dollars billed over the last 36 months, highest first. If your network works with more than 18, the rest still roll into the network totals in the hero and the detail overlay, they just don't get a tile in this row. Each tile shows:

• Label: dollars billed over 36 months, or "No billing" if none is on file.
• Headline: the TPA's name.
• Sub: franchisee count and job count over 36 months.
• Meta: average days-to-pay, followed by the average fee, formatted according to how that TPA charges: a percentage reads "(% basis)", a flat dollar amount reads "flat", and a per-claim amount reads "/claim".

Empty state: "No TPA relationships rolled up yet. Data appears after the next nightly aggregation." This page reads from a nightly rollup rather than live data, so a brand-new TPA relationship a franchisee just logged won't appear on this page until the next overnight run.

Opening a TPA

Clicking any tile, in any of the five rows, opens the same detail overlay on top of the page rather than navigating away. The overlay's title is the TPA's name, and inside it you'll find:

• A Verinode Score badge for that TPA (provisional until enough network-wide data has accumulated to confirm it), plus days-to-pay and a collection rate (dollars collected as a share of dollars billed).
• Per-franchisee participation: which of your franchisees use this TPA, with billed and collected dollars, days-to-pay, and fee terms for each. Names are real or anonymized depending on your network's privacy posture, covered in the next section.
• Supplement pushback detail: submitted and denied dollars, denial and approval rates, average response time, and a 30-day trend, plus a line-item breakdown of which specific cost categories this TPA cuts hardest.
• Industry comparison: your network's denial rate on this TPA against a national, cross-operator benchmark for the same TPA, expressed in percentage points above or below the industry figure.
• Rate terms: the average, minimum, and maximum rate your network's franchisees have accepted from this TPA, next to an industry anchor rate for the same terms.

The aggregate-only privacy stance

Everything on this page and in the TPA detail overlay is built to one rule: HQ sees network aggregates, never a single franchisee's private business data. That rule shapes several concrete behaviors here, not just a general promise.

Whether the detail overlay can show you a real franchisee name at all depends on how your network is set up:

• Enterprise / multi-location networks under one ownership structure get named per-franchisee rows throughout, participation lists, rate terms, supplement breakdowns, because it's genuinely one company's own locations reporting on themselves, with no cross-operator boundary to protect.
• Franchise and association networks, where each member owns their own business, are the default and the more protective posture. Every per-franchisee name on this page and in the overlay is replaced with a stable anonymized label (for example, "Franchisee #4F2A"), consistent across sessions so you can still track one franchisee's trend over time without ever learning who they are. On top of the anonymized name, two things are withheld outright rather than just relabeled:

- Any TPA served by only a single franchisee, network-wide, is left off every row on this page entirely (hero counts, Slowest Payers, Broadest Network Footprint, Heaviest Pushback, All TPAs). A group of one isn't really an aggregate, showing a number for it would be showing one specific franchisee's number with a label pasted over it. The hero subtext tells you how many were held back this way ("N hidden as single-franchisee") without naming which ones. - Inside the detail overlay, the per-franchisee supplement-pushback breakdown and per-franchisee rate-terms breakdown are withheld entirely for these networks. In their place you'll see the network-level aggregate figure and a short note that per-location detail isn't available for this network type.

This is the same posture that governs every other HQ surface: rankings, aggregates, and compliance across the network, decided and acted on by leadership, never a window into one member's private numbers.

Best-practice example

Say your network works with a dozen TPAs. Open Accounts → TPAs and start at the hero: 12 TPAs, 3 multi-franchisee, average days-to-pay sitting at 52 (amber). Slowest Payers shows one TPA at 74 days serving two franchisees, worth a call about payment terms. Broadest Network Footprint shows a different TPA used by five franchisees, a relationship worth negotiating centrally rather than location by location. Heaviest Pushback flags a third TPA denying 34% of supplement dollars with a rising trend, red-accented. Open that tile: the detail overlay's industry comparison shows your network is being cut harder than the national average on this exact TPA, and the line-item breakdown points at one cost category driving most of the denials, a concrete, network-wide conversation to bring to that TPA relationship.

Related reading

• HQ overview, how the whole HQ shell and sidebar fit together.
• Network health, the network-wide health rollup this page's data feeds into.
• HQ benchmarks, how your network's TPA figures compare against the wider industry.
• HQ compliance, the compliance side of what HQ can and can't see across franchisees.
• Broadcasting to your network, pushing a finding (like a slow-paying TPA) out to affected franchisees.

Data sources