Kempton
The Kempton Group is an independent third-party administrator providing health benefit administration for US self-funded employers, anchored by its KPP*Free*™ provider network that offers bundled, transparent, cash-pay pricing at roughly 80% below typical provider rates.
- Company typePrivate
- Founded1969
- HeadquartersOklahoma City, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Kempton does
The Kempton Group Administrators, Inc. is an independent, family-owned third-party administrator (TPA) founded in 1969 and headquartered in Oklahoma City, Oklahoma, providing health benefit administration services for self-funded US employers, typically with 50–3,000 employees. The company adjudicates and pays claims, maintains eligibility, designs plan documents, administers COBRA/HIPAA/ACA compliance, arranges stop-loss coverage, and delivers member, employer, provider, and broker portals as part of a single PEPM (per-employee-per-month) flat administrative fee with no commissions, no markup on PPO/vendor fees, and full pass-through of negotiated savings.
The company's differentiation centers on its KPP*Free*™ (Kempton Premier Providers Free) network, launched in 2012, which offers bundled, cash-pay, transparent pricing — typically 80% below conventional provider rates (e.g., hernia repair $3,190 vs. $19,384; spinal fusion $5,696 vs. $192,623). The technology stack includes web-based portals for each stakeholder, a KPP*Free*™ mobile app on iOS and Android, and integrations including CompassConnect by Zelis, multiple PPO networks (First Health, HealthSmart, PHCS, PPOplus, etc.), a broad PBM list, and directly contracted laboratories. The co-founding role in the Free Market Medical Association (FMMA) and a strategic partnership with Surgery Center Network (2019) anchor the firm within the free-market healthcare transparency movement.
Revenue mechanics are subscription-based: a flat all-inclusive PEPM fee plus fixed-fee quotes for non-standard services. Go-to-market is consultative direct sales augmented by a dedicated broker/consultant portal. Since 2012, the company reports >$100M in cumulative claims savings for clients. The firm remains bootstrapped with no disclosed external funding, no M&A activity, and operating geographies limited to the United States across nearly every state.
Kempton firmographics
Firmographics- Name
- Kempton
- Legal name
- The Kempton Group Administrators, Inc.
- Website
- https://kemptongroup.com
- Company type
- Private
- Founded year
- 1969
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- The Kempton Group is an independent third-party administrator providing health benefit administration for US self-funded employers, anchored by its KPP*Free*™ provider network that offers bundled, transparent, cash-pay pricing at roughly 80% below typical provider rates.
- Ownership category
- akta.pro rank
Kempton industry classification
Industry- Product category
- Third-Party Health Benefits Administration
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- COBRA & Direct Billing Administration (HLAEALAC)
- akta.pro secondary industry
- Captive Insurance Advisory & Management (FSAEADAF)
Keywords
Where Kempton is headquartered
LocationHeadquarters
- HQ city
- Oklahoma City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Kempton business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Administrative Fees: Single, flat administrative fee per-employee-per-month (PEPM). All services are included in this fee with no additional hidden charges. Additional services outside standard administration are quoted as fixed flat fees upfront.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Per-employee-per-month administrative fee (all-inclusive) |
| Other | Multi-year contract | Additional services quoted at fixed flat fees |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Kempton product offering
Product offeringCore offering
The Kempton Group is an independent third-party administrator that processes claims, manages eligibility, designs plan documents, and administers HIPAA/COBRA/ACA compliance for self-funded employer benefit plans in exchange for a flat per-employee-per-month fee. Its signature KPP*Free*™ program adds a proprietary network of providers offering upfront, all-inclusive, deeply discounted transparent pricing, enabling employers to waive employee out-of-pocket costs at participating providers.
Product overview
The Kempton Group is an independent third-party administrator (TPA) that provides administrative services for self-funded employer benefit plans. The core offering consists of claims adjudication and plan management services, supplemented by the KPP*Free*™ provider network featuring transparent, bundled pricing where employers can offer employees medical services with no out-of-pocket costs. Additional products include Kempton Direct Access Providers (Direct Primary Care enrollment), Reference Based Pricing for cost containment, and CompassConnect by Zelis for healthcare transparency. The company also offers a mobile app for accessing KPP*Free*™ provider search and pricing. The company was founded in 1969 and is headquartered in Oklahoma City, Oklahoma.
Differentiator
Problem solved
Functional benefit
Brands
- KPPFree: KPPFree is an elite group of providers offering up-front, all-inclusive, deeply discounted and completely transparent prices for their services. The program includes bundled, cash-pay pricing and connects self-funded employers with high-quality, free-market-minded healthcare providers.
- Kempton Premier Providers
- Kempton Direct Access Providers
Products and services
- KPP*Free*™ Provider Network Proprietary, trademarked network of providers offering upfront, all-inclusive, deeply discounted, transparent pricing for medical services. Self-funded employer clients can offer employees medical services at KPP*Free*™ providers with all out-of-pocket costs waived; reported pricing is roughly 80% below typical providers (e.g., hernia repair $3,190 vs $19,384; spinal fusion $5,696 vs $192,623).
- Self-Funded Benefit Plan Administration (TPA Services)
Quantifiable outcome
- KPPFree providers offer prices 80% less than typical providers (e.g., Hernia Repair $3,190 vs $19,384; Spinal Fusion $5,696 vs $192,623)
- +2 more outcomes
Companies that use Kempton
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
Kempton technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Kempton partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Surgery Center NetworkcoreSCN provider members gain access to more surgical cases while Kempton Group clients receive high-quality, low-cost, transparent care. Strategic partnership connecting free-market minded surgery centers with self-funded employer clients.
- Free Market Medical Association (FMMA)coreCo-founded by Jay Kempton, Kempton Group is a founding member. FMMA brings together physicians, patients, and self-funded employers to promote transparency and free-market principles in healthcare. Kempton Group actively sponsors and participates in FMMA conferences and events.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Kempton competitors and assessment
Company assessmentDirect peers
- Lucent Health: Independent third-party administrator for self-funded employer health plans, offering claims administration, provider networks, and cost-containment services. Closely comparable to Kempton's independent TPA model and self-funded focus.
- Allied Benefit Systems: Independent TPA administering self-funded health, welfare, and retirement plans for employers. Comparable independent-TPA business model serving self-funded employer clients.
- HealthEZ: Third-party administrator for self-funded employer health plans, providing claims processing, member portals, and integrated stop-loss coverage. Comparable mid-market independent TPA serving similar employer segments.
- TPSC (Third Party Solutions Company): Independent TPA offering claims administration, COBRA, and self-funded plan management for employer groups. Direct peer in core TPA functions and self-funded customer segment.
- Maestro Health: Benefits administration and TPA firm focused on self-funded employers with technology-driven member experience. Overlaps with Kempton's portal-based, consultative TPA model.
- Imagine360: Independent TPA specializing in self-funded plans with reference-based pricing and direct-provider contracting. Highly comparable to Kempton's RBP and KPPFree-style transparent pricing approach.
Broad incumbents
- Benefitfocus (a Vertafore company): Large-scale benefits administration platform serving employers, brokers, and carriers with broader scope than Kempton's boutique TPA focus; adjacent competitor for mid-market RFPs.
- Surest (UnitedHealth Group): UnitedHealth-owned health plan with a transparent, value-based design allowing members to see costs upfront. A well-capitalized incumbent competing for the same 'transparent pricing' narrative Kempton sells.
Others
- Zelis: Healthcare technology vendor whose CompassConnect transparency tool is integrated into Kempton's offering. Ecosystem/infrastructure peer rather than a direct competitor.
- Surgery Center Network (partner): Strategic partner of Kempton's, not a direct competitor; included as an ecosystem peer because it supplies the surgery-center side of Kempton's transparent-pricing value chain.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Kempton social profiles
Digital presenceKempton financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kempton leadership team
Management profileNumber of profiles
Profiles11 records
Kempton funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kempton M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kempton
What does Kempton do?
The Kempton Group is an independent third-party administrator that processes claims, manages eligibility, designs plan documents, and administers HIPAA/COBRA/ACA compliance for self-funded employer benefit plans in exchange for a flat per-employee-per-month fee. Its signature KPP*Free*™ program adds a proprietary network of providers offering upfront, all-inclusive, deeply discounted transparent pricing, enabling employers to waive employee out-of-pocket costs at participating providers.
Is Kempton a public or private company?
Kempton is a private company. It is classified as family owned and is currently operating.
When was Kempton founded?
Kempton was founded in 1969. It employs 11 to 50 people.
Where is Kempton based?
Kempton is headquartered in Oklahoma City, United States, in the North America region.
How does Kempton make money?
One revenue line is on record: administrative Fees.
Who are Kempton's main competitors?
Direct peers on record are Lucent Health, Allied Benefit Systems, HealthEZ, TPSC (Third Party Solutions Company), Maestro Health and Imagine360. Broad incumbents are Benefitfocus (a Vertafore company) and Surest (UnitedHealth Group). Others are Zelis and Surgery Center Network (partner).
Does Kempton have an API?
No public API is recorded for Kempton.
What industry is Kempton in?
Kempton's product category is Third-Party Health Benefits Administration. Its primary akta.pro industry code is HLAEALAC, COBRA & Direct Billing Administration, with a secondary code of FSAEADAF, Captive Insurance Advisory & Management. Its NAICS code is 524292 and its SIC code is 6324.