We're Ren Studio. We do deadline paperwork for small businesses, and commission reconciliation is the most quietly expensive paperwork in an independent agency. Here's the shape of it, in plain words:
The average independent agency now works with about 20 different carriers. Each one sends a commission statement in its own format — a PDF here, a spreadsheet there, a portal download somewhere else. Before anyone can say "we got paid correctly this month," a person has to sit down and match every line on every statement to a policy in your records. It's nobody's real job, so it lands on whoever is least busy, it eats somewhere between one and two work-weeks a month in agencies your size, and the lines that don't match — a renewal that never showed up, a rate that doesn't match the contract, a policy paid at the wrong tier — hide in the pile precisely because checking line by line is the part nobody has time for.
Not sure how many hours it's actually costing you? Run your own numbers first — it takes two minutes and it's free: the commission hours worksheet.
Hand over the pile
Use the subject line COMMISSIONS + your agency name. Tell us roughly how many carriers you work with and how far behind the matching is — we'll reply with a short questionnaire and a firm start date.
What lands in your inbox each month
- Every statement, matched. Each carrier statement for the month, matched line by line to the policies in the export you send us — so a statement line is never just "close enough."
- A clean commission register. One organized record of what each carrier paid, on which policies, for the month — the register your bookkeeper, your CPA, and your own gut-check have all been missing.
- A variance report in plain English. Every line we couldn't match, or that doesn't match what the carrier owed per your own records — listed with what to ask the carrier about it. You make the call; you walk in knowing exactly which lines to raise.
Sample variance report — "Harbor & Pine Insurance," one month
A made-up agency and made-up numbers — a real picture of the report every client gets.
| Policy | Carrier | What we found | Difference |
|---|---|---|---|
| Homeowners — J. Alvarez | Carrier A | Renewal commission on the statement at the new-business rate, not the renewal rate in your records | $38.20 |
| Auto — M. Okafor | Carrier B | Policy is active in your export; no commission line for it on this month's statement | Missing |
| Commercial — Bright Cafe LLC | Carrier C | Statement line matches a policy that cancelled in March — commission shown, then clawed back two lines later; net is correct, flagged so you know why | $0.00 |
| Homeowners — The Nguyen Family | Carrier A | Statement amount matches your records exactly; listed because the policy number on the statement differs by one digit from your export — likely a typo on one side | Check # |
That's the whole report's style: the line, what doesn't match, and the size of it. What you do with it — which lines are worth a call to the carrier — stays your call.
What the pile is actually costing you
- The hours. 40–80 hours a month of skilled staff time spent on matching instead of clients — that's a part-time employee whose entire job is reading statements.
- The blind spot. Until the matching is done, you don't actually know what you earned this month. The register is how an owner sees commission income clearly instead of approximately.
- The quiet lines. A missed renewal or a wrong rate doesn't announce itself. It just never gets noticed, month after month, because noticing requires the line-by-line check nobody has time to do. We don't promise those lines exist in your pile — we promise the check gets done, every month, so you'd see them if they do.
How it works
1. You send the statements and a policy export — that's your whole job
Each month: the carrier statements (PDF, spreadsheet, portal download — whatever shape they arrive in) and a policy export from your agency management system. We never ask for your system login or your bank access: statements and exports only, the same discipline as our bookkeeping service.
2. We match every line and log every mismatch
Statements get normalized into one format, matched against your policy records, and anything that doesn't match goes on the variance log with a note in plain English — what the line is, what your records say, and what to ask the carrier.
3. You get the register and the variance report
Same format every month: the clean commission register, plus the short list of lines that need your eyes. A person reviews every report before it lands in your inbox. If a line needs a call to a carrier, that's yours to make — with the exact line and amount in front of you.
Pricing — flat monthly, published, no quote games
Starter
$249/mo
- Up to 10 carrier statements a month
- Every statement matched to your policy export
- Clean monthly commission register
- Plain-English variance report
Standard
$449/mo
- Up to 20 carrier statements a month
- Everything in Starter
- Per-carrier monthly summary — see which carriers are actually paying what
- Priority turnaround in statement-heavy months
Behind? Cleanup first
$599 one-time
- Up to 3 back months reconciled before monthly service starts
- Same register + variance report for each back month
- Most agencies start behind — normal, not a problem
- More than 3 months back? We'll quote the rest in writing before we start
No long contract — month to month, cancel anytime. For comparison: done-for-you commission processing is an established, paid service in your industry — agencies pay for it every month and keep it for years, because the matching never stops being necessary. Ours is priced on this page, before you ever email us.
Who this is for
Independent insurance agencies of roughly 2 to 15 people — big enough to work with a shelf of carriers, small enough that the owner or one staffer is still the one doing the matching at night. There are about 37,000 agencies like yours in the country, and the average one's carrier count has climbed to nearly 20. If your agency management system already reconciles commissions cleanly end-to-end and your staff isn't spending real hours on statements, you don't need us — we'll tell you that in the first exchange, for free.
What we don't do — and what we won't claim
We sell hours back and visibility. We never sell "recovered money." You'll see services in this space claim carriers underpay agencies by some percentage — 3%, 6%, pick a number. We went looking for a trustworthy source for any of those figures and there isn't one: every percentage traces back to a company selling recovery services. So we make no such claim, and we do not guarantee we'll find discrepancies in your statements. Some months the variance report may be short. What we guarantee is the work: every line checked, every month, with the mismatches — when there are mismatches — written up plainly.
We never contact carriers on your behalf. The variance report tells you what to ask; the asking is yours. We never touch your bank accounts and never ask for logins — statements and exports come from you. And this is reconciliation and document work, not accounting or legal advice: questions about carrier contracts, disputes, or chargeback rights belong to your CPA or attorney, with our register and report in hand to make that conversation cheaper.
Questions agencies ask
Do you need access to our agency management system?
No. You export the policy list — every major system (AMS360, HawkSoft, EZLynx, Applied Epic, and the rest) can produce one — and send it with the statements. We work from files you send, never from your login. If you're not sure how to pull the export, the questionnaire walks through it for the common systems.
What if you find nothing wrong in a month?
Then that month's variance report is short, and that's a good month — it means the carriers paid what your records say they owed, and now you have the register proving it instead of a feeling. We don't manufacture findings to justify the fee, and we won't pretend a clean month is a failed one.
Who talks to the carrier when there's a mismatch?
You do. Carriers take these questions from the agency, not from a third-party paperwork service — and honestly, the call goes better from you. Our job is to make sure that when you call, you're holding the policy, the statement line, the amount, and the question, instead of a suspicion.
How messy can our statements be?
As messy as they arrive. PDFs, spreadsheets, portal downloads, different layouts per carrier — normalizing that pile into one register is most of the work, and it's our work, not yours. The intake questionnaire asks which carriers and which formats so we can set the matching up once, properly.
We're several months behind. Where do we start?
With the cleanup: up to 3 back months reconciled for a flat $599, each with its own register and variance report, then the monthly rhythm starts from current. If you're further behind than 3 months, tell us how far — we'll quote the remainder in writing before any work starts, so the total is never a surprise.
Is this the same as bookkeeping?
No — it's narrower, on purpose. Bookkeeping tracks your agency's money overall; this service reconciles one specific, painful stream: carrier commission statements against your policies. (If your general books are also a pile, our bookkeeping service is the neighboring fix — different job, same statements-only discipline.)
What do you need from us to start?
The short questionnaire we send after your first email: your carrier list, how each statement arrives, which management system you use, and how you export policies from it. Most agencies finish it in one sitting. From a complete intake, your first register and variance report land the following statement cycle.
Get the matching off your desk
Email inunghwang@gmail.com — subject COMMISSIONS + your agency name. Tell us roughly how many carriers you work with and how far behind the matching is. You'll get a reply with the short questionnaire and a firm start date — and if your current setup already handles this cleanly, we'll tell you that for free.