Why commissions go short-paid, unpaid, or miscredited
Carriers are not 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 are 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 is not 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.
None of these are visible if you only compare statement totals to a monthly forecast. The total can look 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 does not line up. That is tedious work, which is why it usually does not happen.
How reportr automates the line-by-line match
reportr is a Chrome extension that reads the commission statement directly from the carrier portal tab you are already logged into, in your own session. Where a carrier offers a usable API it uses that; where there is no API it reads the statement already rendered on the page. You then load your book of business as a roster CSV, and reportr reconciles expected commission against paid commission line by line, flagging each entry as short-paid, unpaid, or uncatalogued.
Because the extraction happens in your browser, your data is not 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 if a portal changes its layout you get a warning rather than a blank report. The output is a branded PDF you can hand 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 are 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 does not match any policy in your roster. It might be business you forgot to record, a clerical mix-up, or a payment that should not be 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 does not 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