The four ways commission leaks
Short-paid: the policy is in your book and the carrier paid something, but less than your contracted rate or schedule implies. These are the hardest to catch by eye because a payment did arrive — it just arrived light. Never-paid: an active or renewed policy that should have generated commission and produced nothing at all. These hide in the gap between your roster and the statement, where there's simply no line to notice.
Miscredited: the commission was paid, but to the wrong agent, sub-producer, or hierarchy level, so it never reaches you even though the carrier considers it settled. Uncatalogued: the inverse — a payment lands for a policy that isn't in your book at all, which is sometimes money you're genuinely owed and sometimes a sign your roster is out of date. Reconciling expected against actual surfaces all four at once, because each one shows up as a specific kind of mismatch between the two lists rather than as an obvious error on either list alone.
Why a reconciliation beats reading statements
Reading a statement tells you what happened. A reconciliation tells you what should have happened and where reality diverged. When you line up your book of business against the carrier's paid amounts, a short-pay becomes a number you can name, a never-pay becomes a row with an expected value and a blank beside it, and an uncatalogued payment becomes an entry with no match in your roster. The work stops being a hunt and becomes a review of a flagged list.
reportr keeps the extraction client-side: it reads the portal tab in your own authenticated session, using the official API where a carrier has one and reading the already-rendered page where it doesn't. A capture health signal tells you whether the page read cleanly, came back empty, or returned rows it couldn't match — so if a portal's layout drifts, you get a warning instead of a confident but blank report. The output is a branded PDF and an exportable list you can take straight to the carrier.
how it works
- 01
Upload your book of business
Import your roster CSV — the policies, agents, carriers, and the commission you expect on each. This is the 'expected' side of every comparison, so the more complete it is, the more leaks reportr can catch.
- 02
Open the carrier portal you already use
Log into the carrier's commission portal in your own browser session, exactly as you normally would. reportr never logs in for you and never stores your credentials — it reads the statement from the tab you're authenticated in.
- 03
Capture the commission statement
Let reportr read the paid-commission data from the page, using the carrier's API where one exists and the rendered statement where it doesn't. Watch the capture health signal: an 'ok' status means the read was clean; an empty or drift warning means stop and check before trusting the numbers.
- 04
Reconcile expected against actual
reportr matches each statement line to your book and flags the mismatches: short-paid amounts, never-paid policies, payments credited to the wrong agent, and uncatalogued deposits with no roster match.
- 05
Review the flagged exceptions
Work down the flagged list and confirm each one — a real short-pay to dispute, a genuine missing payment, or a roster gap to fix on your side. The exceptions are already separated by type, so you triage instead of scanning every row.
- 06
Export the documented dispute list
Produce a branded PDF and an exportable line-by-line list showing what you expected, what was paid, and the gap for each flagged entry. That documented record is what you send to each carrier to recover the money.
frequently asked
- Why can't I just read the carrier statement to spot missing commission?
- A statement only shows what was paid. To know something is missing or short, you need to compare it against what you were owed — and the carrier doesn't hold that figure, you do. The leak lives in the gap between your book of business and their statement, which is exactly what a reconciliation exposes.
- Does reportr move money or contact the carrier for me?
- No. reportr finds and documents the discrepancies and produces the dispute list. Recovering the money is still a conversation you have with the carrier — reportr's job is to make sure that conversation is backed by a precise, line-by-line record.
- What's an 'uncatalogued' payment and why does it matter?
- It's a commission the carrier paid for a policy that isn't in your book at all. Sometimes it's money you're rightly owed that your records missed; sometimes it signals your roster is stale. Either way it's worth knowing, so reportr flags it as its own category rather than ignoring anything that doesn't match.
- How does reportr read carrier portals that have no API?
- It reads the already-rendered page in the authenticated tab you're logged into, client-side, with narrow host permissions and per-source consent. It doesn't log in for you, doesn't bypass access controls, and doesn't warehouse your data centrally — it uses the official API where one exists and reads the page where one doesn't.
Last updated June 8, 2026