What's Included
Enterprise plans include PDF Vision AI. See documentation for setup details.
Commission Wizard uses a 3-step detection process. First, it checks learned patterns from your previous uploads. Then, AI analyzes sample data to suggest field types. Finally, content-based heuristics catch anything remaining. The system recognizes 62 field types across 12 categories — from policy numbers and premiums to agent names and commission rates. Each detection shows a confidence percentage so you know how certain the system is. When you correct a detection, the system learns and gets it right next time. After processing about 10 carriers, 90% of columns are recognized instantly.
Every insurance carrier sends commission statements in a different format. Progressive uses one layout, State Farm another, Swyfft another. Commission Wizard handles them all — CSV, Excel (.xlsx, .xls), and PDF files. For PDFs, you can select which pages contain the commission data using thumbnail previews. Upload any carrier statement and any AMS export — Matrix, Applied Epic, AMS360, HawkSoft, EZLynx, or any other system that exports to CSV or Excel. No manual format configuration needed. Enterprise plans include PDF Vision AI for scanned documents.
Choose how to compare columns between your AMS and carrier files. Exact match for policy numbers that must be identical. Fuzzy match for names with minor spelling variations — 'John Smith' matches 'Jon Smith'. Numeric tolerance for dollar amounts with small rounding differences. Date match for dates in different formats — '01/15/2025' matches '2025-01-15'. Prefix match for policy numbers where the carrier appends transaction IDs — '12345' matches '12345-TX001'. The system suggests comparison pairs based on detected field types.
Independent insurance agencies spend 40 to 80 hours per month manually comparing carrier commission statements against their AMS using VLOOKUP, side-by-side spreadsheets, and line-by-line checks. Commission Wizard does the same work in under 30 seconds. Upload both files, confirm column mappings, configure comparisons and agent splits, and download a complete reconciliation report. Processing happens in the background — you can close the page and come back when it's done.
Every reconciliation generates a multi-sheet Excel workbook. The Executive Summary shows total records, match rate, commission totals, and per-agent breakdowns. Individual agent sheets detail each agent's matched policies with premium, commission, rate, running cost, split, and agent payout. The Matches sheet shows all matched records with discrepancies highlighted. Discrepancies Only filters to just the records with value differences. Missing Records shows policies in your AMS but not in the carrier file. Unmatched Records shows policies in the carrier file but not in your AMS. Sheet names use your actual AMS and carrier names — 'Missing from Progressive' instead of generic labels.
Every query is automatically scoped to your organization. You can never see another organization's agents, jobs, files, or payments — even if you guess their resource IDs. Each organization's learned column patterns are independent. JWT authentication, role-based access control with four roles (Owner, Admin, Processor, Viewer), WebAuthn passkey login for passwordless authentication, and automatic sanitization of Excel formula injection from carrier files.
Our AI learns column patterns by name, not by carrier. When it learns that 'Policy Number' means a policy ID in one file, it automatically applies that knowledge to every file using the same column name — after ~10 carriers, 90% of columns are recognized instantly.
Upload files in any format — CSV, Excel, or PDF. The system automatically detects headers, cleans data, and extracts what you need. Enterprise plans include PDF Vision AI for scanned documents and complex multi-page reports.
Track every dollar from carrier statement to agent payment. Configure splits, custom rates, and running costs per agent per carrier — the system handles the math and generates detailed reports automatically.
Side by Side
See how automation transforms your commission processing
| Feature | Manual Process | Commission Wizard |
|---|---|---|
| Monthly Time Investment | 40-80 hours | < 30 seconds/file |
| Column Detection | Manual mapping | 90%+ auto-detection |
| Accuracy | 85-90% | 99%+ |
| Learning Curve | Weeks of training | AI learns as you go |
| Scalability | Limited by staff | Unlimited files |
| Error Detection | Prone to oversight | Automatic flagging |
| Agent Commissions | Manual spreadsheets | Automatic per-agent splits |
| Report Generation | Hours of Excel work | One-click export |
| Monthly Cost (Labor) | $2,000-5,000 | From $23/month |
How We Compare
See how automated reconciliation compares to spreadsheets and built-in AMS tools
| Feature | Commission Wizard | Spreadsheets | AMS Built-in |
|---|---|---|---|
| Any carrier format | Yes | Manual setup | Electronic feeds only |
| AI column detection | Yes | No | No |
| Learns over time | Yes | No | No |
| Policy number variations | Prefix, fuzzy, exact | VLOOKUP only | Varies |
| Agent commission tracking | Yes | Manual | Basic |
| Agent payments | Yes | No | No |
| Agent self-service | Yes | No | No |
| Audit trail | Yes | No | Varies |
| Setup time | Minutes | Hours/carrier | Days |
| Starting price | $29/month | Free | $150+/user/month |
End to End
From file upload to agent payment — every step in one system.
If you use the same AMS export format month after month, save it for quick reuse. During upload, check 'Save this AMS file' and give it a name — like 'Matrix Monthly Export'. Next month, select it from a dropdown instead of re-uploading. You still upload a new carrier statement each month since those change, but your AMS template stays ready. The system remembers the column mappings, making future processing nearly instant.
After reviewing reconciliation results, a modal asks if you want to save the detected agents to your database. This creates agent records for new agents, updates commission history for existing ones, and records policy-level detail for audit purposes. Each agent's profile shows YTD commission totals, a 12-month trend chart, and a history table with period, carrier, policy count, premium, commission, split percentage, and agent payout. Click any period to drill down to individual policy detail.
From any agent's detail page, open the Payment Sidebar to see the balance (total commissions earned minus total payments made) and record payments. Specify amount, date, payment method (check, ACH, wire, cash, or other), reference number, and optional notes. If a payment was entered in error, void it with a reason — voided payments are preserved for audit but excluded from the balance. The organization-wide Payments page shows all payments across all agents with KPI cards (total paid, total pending, total voided) and filters by agent, date range, payment method, and status.
The Agency page shows a high-level financial overview of your entire agency. KPI cards display total premium, total commission received from carriers, total agent commission (paid out or owed), agency revenue (what the agency keeps), total policies processed, and active carrier count. A 12-month area chart shows trends for total commission, agent commission, and agency revenue. A carrier breakdown shows which carriers generate the most premium and commission.
Create accounts with the Viewer role and link them to specific agents. To set up: go to Organization, click 'Invite User', set the role to Viewer, and select which agent they represent. When the viewer logs in, they see My Dashboard with their own KPI cards, commission trend chart, and history table — click any period to see policy-level detail. On My Payments they see total earned, total paid, and balance as a read-only list. Viewers cannot access file processing, job history, other agents' data, organization settings, or payment management.
When carrier statements include policies not in your AMS, they appear in the 'Carrier Only' tab of the job detail view. Select one or more policies using checkboxes, click 'Assign to Agent', and search for an existing agent or create a new one inline. The full financial chain applies automatically — commission rates, running costs, and split percentages are calculated exactly like matched records. Every assignment is tracked with an audit trail. In the agent's commission history, manually assigned policies appear with an orange highlight and a 'Manual' badge. You can unassign a policy if you made a mistake.
Calculation Modes
Every agency structures commissions differently. Commission Wizard adapts to yours.
By default, the system uses the commission amount directly from the carrier statement and applies the agent's split percentage. Formula: Agent Commission = Carrier Commission × Split %.
Enable this during the Commission Columns step when agents have individually negotiated rates. Instead of using the carrier's commission, the system calculates commission from the premium. Set a rate per agent per carrier — for example, 10% or 15%. Formula: Calculated Commission = Premium × Rate %. Then the split applies to the calculated amount. Rates are saved per agent per carrier and loaded automatically in future reconciliations.
Enable this to deduct an agency fee before the agent split. The running cost covers your operational expenses for managing clients — policy servicing, claims handling, administrative overhead. Set a percentage per agent per carrier. Formula: Running Cost = Commission × Running Cost %. Net Commission = Commission - Running Cost. Then the split applies to the net amount.
Policy premium: $1,000. Custom commission rate: 10% → $100 commission. Running cost: 10% of commission → $10 to agency operations. Net commission: $90. Split: 50/50 → $45 to agent, $45 to agency. Total agency revenue: $45 (split) + $10 (running cost) = $55. Every number is tracked per policy, per agent, per carrier, per period — and appears in the Excel report.
Transparency & Audit
Every reconciliation is saved with full detail — files used, column mappings applied, comparison settings, record counts, and match rates. The Jobs page lists all past jobs with date, status, AMS and carrier names. Click any job to review detailed records by category (matches, AMS only, carrier only, discrepancies), search and filter within each tab, or re-download the Excel report. Use this for resolving agent disputes, verifying commission accuracy, or responding to financial audits.
From any agent's detail page, export a commission report filtered by period. The Excel report includes a carrier-by-carrier summary (premium, commission, rate, running cost, net commission, split, agent payout) and a policy-by-policy detail table. The PDF report contains the same data in a printable format. Use these as official commission statements for agent distribution or payment documentation.
Access & Permissions
Four roles to match how your agency works.
Process files, manage agents, manage payments, organization settings, billing management. Full control of everything.
Same as Owner except cannot access billing. Can invite users, change roles (processor and viewer only), reset passwords (except owner).
Process commission files, manage agents, manage per-agent payments. Cannot access organization settings or billing.
See only their own commission data and payment history. Cannot process files, see other agents, or manage anything. Linked to a specific agent record.
Got Questions?
CSV, Excel (.xlsx, .xls), and PDF. For PDFs, you select which pages contain the commission data using thumbnail previews. Enterprise plans include PDF Vision AI for scanned documents.
Yes. Commission Wizard works with any system that exports to CSV or Excel — Matrix, Applied Epic, AMS360, HawkSoft, EZLynx, and others. No integration or API setup needed.
The system supports exact, fuzzy, prefix, numeric, and date matching. If your AMS has '12345' and the carrier has '12345-397657', prefix matching identifies them as the same policy. Fuzzy matching handles name variations like 'John Smith' vs 'Jon Smith'.
Yes. Commission rates, running costs, and split percentages are all configured per agent per carrier. Settings are saved and applied automatically in future reconciliations.
An operational fee the agency deducts from each commission before the agent split. It covers policy servicing, claims support, and admin overhead. You set it as a percentage per agent per carrier.
Yes. Create a Viewer account linked to any agent. They see their personal dashboard with KPI cards, commission chart, history table, payment summary, and can export reports — all without accessing other agents' data.
No. Save it as a reusable template. Next month, select your saved AMS from a dropdown and only upload the new carrier statement.
They show in the 'Carrier Only' tab. Select them and assign to any agent — existing or new. Commission calculations apply automatically with full audit trail. Assigned policies appear with an orange 'Manual' badge.
Yes. Every job is saved with full detail. View matched records, discrepancies, and missing policies anytime. Re-download reports or review column mappings that were used.
When you confirm or correct a mapping, the system remembers it — by column name, not by carrier. So if 'Pol #' means policy_number in Progressive, it also means policy_number in State Farm, Swyfft, and any other carrier. After about 10 carriers, 90%+ detection without manual input.
You can skip the agent splits step and complete the job without splits. The report still shows all records by category.
Have more questions? Contact us or read the documentation.
Last updated: March 2026
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