TAX PLANNING · RESEARCH & INSIGHTThe context pack assumes 25,000–75,000 potential buyers and annual fees of $35,000–$45,000. Multiplying the endpoints yields $875 million–$3.375 billion of hypothetical annual expenditure. The multiplication is correct; the buyer counts, adoption and willingness to pay remain unvalidated.
| Scenario | Assumed eligible buyers | Assumed annual fee | Assumed participation | Calculated spend |
|---|---|---|---|---|
| Lower supplied endpoint | 25,000 | $35,000 | 100% | $875 million |
| Upper supplied endpoint | 75,000 | $45,000 | 100% | $3.375 billion |
| Illustrative sensitivity | 25,000 | $35,000 | 20% | $175 million |
| Illustrative sensitivity | 75,000 | $45,000 | 20% | $675 million |
The 20% cases are new sensitivity examples, not observed penetration. They show that adoption assumptions dominate the model. They do not make the initial pool more reliable.
The supplied segment allocations—40% medical, 35% contracting and 25% agency—and growth assumptions of 5–8%, 5–9% and 6–10% respectively remain hypotheses. No independent evidence retrieved validates those allocations or forecasts. Do not publish them as market shares or projected growth.
Explore the structured evidence
Lower supplied endpoint
25,000
$35,000
100%
$875 million
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