Audited over silent
Every change, every approval, every adjustment has a record. A calculation that cannot be explained is a liability. We log everything.
About Kommissions
The commission lifecycle system insurance agencies have always needed.
Kommissions was built because independent insurance agencies deserve better than spreadsheets, disconnected carrier portals, and monthly close cycles that take more time than they should - for less accuracy than they need.
Why we built this
Five percent of commission revenue disappears silently every month.
Most agencies know they are probably losing commissions. Few can prove which carrier, which product, and which month the leakage started. Carrier statements arrive in different formats. Product codes change without notice. Renewal rows go missing. Chargebacks get applied after the contract window closes.
The agencies that recover this revenue have one thing in common: they reconcile systematically, not occasionally. Kommissions was built to make systematic reconciliation the default - not a project you do once a quarter when something looks wrong.
What we set out to build
One system for every dollar, from import to payout to audit.
Kommissions covers the full commission lifecycle: importing carrier statements, calculating expected revenue against contract terms, matching payments to policies, routing exceptions, processing producer payouts, generating 1099s, and logging every action in an append-only audit trail.
The goal is not automation for its own sake. The goal is transparency - making every commission dollar traceable from the carrier statement to the policy record to the producer payout, with a clear answer for every question along the way.
How we think
Principles that shape everything we build.
Transparent over magical
Automation is valuable. But an agency that does not understand why a commission was calculated a certain way cannot defend it. We show the work.
Correct over convenient
Commission calculations are deterministic. There is a right answer. We build formula engines that produce it consistently, with inputs that can be traced and verified.
Guided over open-ended
Imports, reconciliations, payout approvals - these are high-stakes operations. We use wizard flows and validation gates so users cannot skip the steps that matter.
Dense but breathing
Operations teams work with large data sets. We make that data scannable, actionable, and visually clear - without sacrificing the detail that decisions require.
Recovery over write-off
Every unmatched row is potential revenue, not noise. We treat exceptions as recoverable until proved otherwise, because the default for most agencies is the reverse.
Platform scope
The full commission lifecycle, in one place.
Data ingestion
Commission statement import
CSV and XLSX carrier statements with column mapping, validation, and source file retention. Supports any carrier format.
Calculation
13 commission plan types
% of premium, flat fee, graded schedule, MA-PDP, target premium, renewal schedule, overrides, splits, chargebacks, advances, and more.
Reconciliation
Carrier vs internal ledger
Confidence-scored matching engine, exception queue with aging and ownership, approval workflow, and statement version history.
Payouts
Producer payout processing
Net payout after chargebacks and advance repayments. Approval workflow, NACHA export, and itemized producer statements.
Compliance
1099-NEC and licensing
1099-NEC generation with IRS FIRE export. License expiration tracking by state with renewal alerts.
Intelligence
Dashboard and forecasting
12 chart widgets, reconciliation health score, producer leaderboard, 12-month commission forecast, and carrier performance comparison.
Who Kommissions is for
Built for agencies that have outgrown spreadsheets.
Independent Agencies
Producers, multiple carriers, complex comp plans, and a finance team that should be doing analysis instead of spreadsheet maintenance.
BGAs
Override commission tracking across a downline hierarchy, statement reconciliation at volume, and payout calculations that producers can actually understand.
MGAs
Multi-carrier, multi-line, multi-branch operations that need consistent reconciliation standards, audit-ready records, and senior visibility into commission health.