Ok, so I responded some above, but will put the rest of my response down here.
So, what is typical/common, is to have the full comp amt, amts for things like c-section, multiples, maternity clothes, transfer/meds fee, etc deposited in full into an escrow acct prior to the transfer ever happening, w/an additional amt. I've seen this amt as low as $3,000 and as high as $10,000, which would be to cover OOP expenses (co-pays, prenatals, etc), mileage reimbursement, travel expenses to the surrogate (typically meals, if she had to pay to park her car at the airport, other expense related to but not paid for in advance, of travel/transfer), lost wages and anything not specifically attached to her comp. If those funds drop below 'x' level, then the IP's are required to deposit a sum to bring this fund back up to the contracted amt. At the end of the contract period, after all bills have been paid out of this fund and everything is said and done, the remaining amt is refunded back to the IP's. My personal experience as a surrogate is that my IP's were always required to maintain $5,000 for these purposes, and that if it feel below I think $1-2,000, they had to make deposits until it was back to the $5,000. *Most* of the surrogates w/the agency I work for now have this same stipulation in the same amt, though I think 1 or 2 have had a higher amt. ALL of this money though, is maintained in the same escrow acct and he keeps detailed records of how much is in the accts to cover comp, etc and how much is available for these other things.
If they are not providing you w/any accounting of these funds, how much went where and when, then I would have a huge issue w/them. If they are keeping a discretionary acct of this $5,000 in their agency acct, *as long as* they provide a min. of monthly invoices detailing every last penny as well as providing it upon request, I wouldn't have as much of an issue. No matter how they are doing it, if they can't, aren't or aren't willing to provide this information, I would call them out on it and want my money moved immediately.