This section is less about plan design and more about commission accuracy.

When you’re sending a plan from Plansight to BenefitPoint, the Paid By fields tell BenefitPoint who is paying commission to the brokerage. That’s it. If this is set incorrectly, commission setup and reporting can be off downstream.

👉 If you want to see this mapped out visually, reference the walkthrough video linked above. It shows real examples of each scenario.

How Plansight Handles the Carrier

In Plansight, the carrier is simple:

• It’s the carrier associated with the plan design
• It’s what appears on plan summaries and PDFs

That carrier reflects the coverage, not necessarily the entity paying commission.

What Paid By Means in BenefitPoint

In BenefitPoint, Paid By is commission-focused.

It answers one main question:

Who is paying commission to the brokerage for this plan?

This is why Paid By may not match the listed carrier.

The Paid-By Fields Explained

• Carrier/Vendor (BP)
• • This is the carrier or vendor associated with the plan in BenefitPoint.
  • It may be the insurer
  • Or it may be a third-party administrator (TPA)
  • This does not automatically mean they are paying commission.
• Paid-By Type (BP)
• • This tells BenefitPoint what kind of entity is paying the commission.
  • Common examples:
  • • Insurance company
    • Third-party administrator
    • General agent
  • This helps BenefitPoint apply commission logic correctly.
• Paid-By Company (BP)
• • This is the specific company paying commission to the brokerage.
  • Most commonly, this will be:
  • • A general agent
    • A parent company of the carrier
    • Another brokerage (less common)

You’ll select this from a secondary list in the push dialog.

This is the most important field to double-check.

Common Real-World Examples

• Fully insured plan: Carrier pays commission directly → Paid By Company = carrier or carrier parent
• GA-managed relationship: Carrier issues the plan, GA pays commission → Paid By Company = general agent
• TPA-administered plan: TPA manages the plan, but commission flows through a parent entity → Paid By Company = parent company

The Plansight carrier can stay the same across all of these scenarios; the Paid-By fields are what change.

Best Practices

• Always think “who cuts the commission check?”
• Don’t assume the Plansight carrier equals Paid-By Company
• If you’re unsure, confirm how commissions are set up in BenefitPoint before sending. Getting this right up front prevents commission cleanup later.

A Special Note for Renewals: Copying Carrier and Paid-By

When you’re sending a renewal plan to BenefitPoint, you’ll see an option in the push details to copy the carrier and Paid By information from the prior plan.

In many cases, this is exactly what you want — but not always.

This is one of those spots where understanding how your brokerage uses renewals vs replacements really matters.

Why You Need to Be Careful

Most brokerages use Replacement in BenefitPoint when: A new plan is coming in, and it’s with a different carrier.

However, not all brokerages use the Replacement feature at all. Some teams treat everything as a renewal, even when moving to a new Carrier. And rely on updating the carrier and Paid-By manually. If that’s how your brokerage operates, blindly copying the prior carrier and Paid-By on a renewal can cause problems.

Before choosing to copy the carrier and Paid-By on a renewal, ask:

• Is this truly the same carrier and commission relationship?
• Or is this effectively a carrier change, even if we’re calling it a renewal? If your brokerage does not use Replacement.