Paul H. Flowers Jr.Senior Business Consultant, Superior Insurance Advisors, LLC · 2024 Hot 100 honoree. 2026 Health Value Award. Fiduciary process documented. 30 to 40 percent health-plan savings for 100 to 2,000 employee CFOs. 3x number one bestseller.

Your Broker's Back-Door Bonus: The Health-Plan Fee You Never See

22 Jun 2026 · 1 min

Watch on YouTube

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In this brief YouTube monologue, Paul H. Flowers Jr. reveals that benefits brokers can receive carrier‑paid overrides—essentially hidden back‑door bonuses—when a health‑plan’s rates increase. These extra payments are not shown on the invoice for fully insured plans, making them invisible to employers. In contrast, self‑funded employers see broker compensation openly and retain any unspent funds. Flowers advises employers to demand full disclosure of every dollar a broker earns on their plan and directs listeners to run the numbers on his website, paulflowersjr.com.

Your benefits broker might get paid more when your rates go up. It's a carrier-paid override, a backdoor bonus. Bigger renewal, bigger check, and it never shows on the invoice you sign. Fully insured, you can't see it. Self-funded employers put broker pay in the open and keep what they don't spend. Ask your broker one question: show me every dollar you make on our plan. Watch the pause. I'm Paul H. Flowers Jr. Run your numbers at paulflowersjr.com.