Kommissions is a full commission lifecycle management platform built specifically for independent insurance agencies, BGAs, and MGAs. It covers every step of the commission workflow — from carrier statement import to producer payout — in a single, audit-complete system designed for the operational realities of insurance distribution.
Who Is It For?
Kommissions is designed for insurance distribution organizations that process commissions from multiple carriers across multiple product lines, manage producers at multiple hierarchy levels, need to reconcile carrier payments against internal records every month, pay producers on a scheduled cycle with advance programs, must generate 1099-NEC forms at year-end from commission records, and are outgrowing spreadsheet-based commission tracking. If any three of those descriptions apply to your agency, you are the target user for the platform.
Commission Data Management
The platform handles carrier statement imports in CSV and XLSX format with saved column mapping templates per carrier. You build the mapping once and reuse it every month. Imports are validated row by row for type errors, missing required fields, and duplicate policy numbers before anything posts to your ledger. For high-volume operations, imports over 500 rows run as background jobs so the interface remains responsive during processing.
Reconciliation Engine
Automated statement matching uses confidence scoring to post high-confidence matches immediately and route uncertain matches to a structured exception queue. The reconciliation workflow includes exception prioritization by severity and age, assignment to team members, resolution documentation, and a locked period close that creates an immutable snapshot of each reconciliation cycle.
Calculation Engine
Thirteen compensation plan types are supported including percentage of premium, flat fee per member, graded schedule, tiered performance with retroactive upgrades, override commissions, and producer splits. All calculations are pure functions — deterministic, side-effect-free, and fully unit-tested. Every output is traceable to the source policy record, the compensation plan version that applied, and the carrier statement row that confirmed payment.
Multi-Level Hierarchy
Full hierarchy management from individual agent to MGA, with override commissions calculated bottom-up at each level. Contract versions are stored with effective dates and applied automatically based on policy write date. Book of business transfers are recorded with effective-date precision and a complete approval audit trail.
Payout Processing
Calculate net payouts per pay cycle accounting for earned commissions, advance balance repayments, chargebacks, and other deductions. Payout batches go through a configurable approval workflow before release. Approved batches export as NACHA ACH files for direct integration with your banking partner.
Compliance and Tax
Generate 1099-NEC draft forms directly from verified commission records with each producer's legal name, TIN, and year-to-date total. Track producer licenses with automated renewal alerts at 90, 60, and 30 days before expiry. The audit log is append-only — every financial event is recorded and cannot be edited, only supplemented with adjustment entries that themselves carry a timestamp and user attribution.
What Makes It Different
Legacy commission tracking tools were built for a simpler era — single carrier, single product line, small producer count. Kommissions is built for the multi-carrier, multi-line, multi-hierarchy reality of modern insurance distribution. The platform is narrow and correct rather than broad and fragile: it does commission lifecycle management exceptionally well and does not try to be a CRM, quoting tool, or policy servicing system. Every number is traceable, every process is auditable, and every period closes cleanly.