What insurance commission tracking software does
At its core, commission tracking software turns the raw commission files carriers deliver into an attributed, reconciled ledger. It answers three questions on every policy: who wrote it, what should it have paid, and what did the carrier actually pay?
AgencyGrid answers all three automatically. It reads statements over carrier SFTP, normalizes the columns, matches each row to an agent, applies the contracted comp level, and flags any line that does not add up.
- ✓ Attribution: every commission line tied to the writing agent by NPN
- ✓ Expected pay: premium × contracted comp-grid level, computed per policy
- ✓ Reconciliation: actual carrier pay compared against expected, shortfalls flagged
From carrier statement to agent paycheck
The hard part is not the math. It is the plumbing between the carrier and the agent. AgencyGrid owns that whole path: it pulls the statement, dedupes it so re-runs never double-count, maps unfamiliar layouts with AI-assisted suggestions, and loads the result into a live grid.
From there, each writing agent sees their own commissions, each manager sees their team, and the agency sees the whole book, with override income and 1099 and LOA agent payouts computed on top, ready to export to whoever cuts the checks.
Overrides and reconciliation in one place
Commission tracking is incomplete without overrides and reconciliation. AgencyGrid computes each upline’s differential override on every downline policy and cascades it up the chain, while expected-vs-actual commission reconciliation surfaces underpaid, missing, and charged-back policies before they slip through.
Because attribution, overrides, and reconciliation all run off the same ingested data, the numbers agree: there is one source of truth instead of three spreadsheets that never match.