Why commissions go short-paid, unpaid, or miscredited
Carriers aren't trying to underpay you, but the systems that calculate commission are complex and the errors are routine. A policy gets bound but never makes it onto a statement, so the commission is simply unpaid. A premium gets adjusted down mid-term and the carrier pays on the lower figure without flagging it, so you're short-paid. A renewal pays at the new-business rate, or a new-business policy pays at the lower renewal rate. And sometimes a statement credits you for a policy that isn't in your book at all: an uncatalogued entry that might be someone else's business, a clerical mix-up, or a policy you forgot to record.
Comparing statement totals to a monthly forecast can't surface any of that. The total looks right while individual lines are wrong in offsetting directions. The only way to catch them is to reconcile every line: match each paid entry to a policy in your roster, confirm the rate and premium, and flag anything that doesn't line up. That's tedious work, and it's why the check usually doesn't happen.
How reportr automates the line-by-line match
reportr does the line-by-line match for you. You load your book of business as a roster CSV, and it reconciles expected commission against paid commission for every entry, flagging each one as short-paid, unpaid, or uncatalogued. A multi-day chore turns into a short review of exceptions. The statement data comes from the carrier portal tab you're already logged into, in your own session: the official API where a carrier offers one, the already-rendered page where it doesn't.
Because the extraction happens in your browser, your data isn't warehoused on someone else's servers, and reportr never logs in for you or works around access controls. A capture health signal tells you whether each statement was read cleanly, so a portal that changes its layout won't hand you a blank report. The output is a branded PDF you can give to a producer or a carrier rep, with the discrepancies already itemized.
Reconciling by hand vs. with reportr
| By hand (spreadsheets) | reportr | |
|---|---|---|
| Getting the data | Download each statement, key it in | Reads the portal tab you're logged into |
| Coverage | Usually totals, or a sample of lines | Every line against your roster |
| Finding shortfalls | Manual eyeballing | Auto-flags short-paid, unpaid, uncatalogued |
| Time per month | Hours to days across carriers | Minutes |
| Output | A spreadsheet you build yourself | A branded PDF report |
| Broken statement | Silently wrong | Capture health warns you |
frequently asked
What is the difference between commission reconciliation and just reading my statement?
Reading a statement tells you what you were paid. Reconciliation tells you whether that amount is correct by comparing it, line by line, to what your book of business says you were owed. The gap between the two is where money is recovered.
What does 'uncatalogued' mean on a reconciliation?
An uncatalogued entry is a line the carrier paid you for that doesn't match any policy in your roster. It might be business you forgot to record, a clerical mix-up, or a payment that was never yours. reportr flags it so you can investigate rather than quietly bank it.
Do I have to check every carrier separately?
You capture each carrier portal tab once, then load a single roster CSV covering your whole book. reportr reconciles each carrier's statement against the matching policies, so you review one consolidated set of flags instead of juggling spreadsheets.
Does reportr store my commission data?
No. Extraction is client-side, inside your browser session. reportr doesn't centrally warehouse the statement data it reads, and paid plans produce a clean branded report with no third-party mark.
Last updated June 8, 2026