Find the commissions your agency should have been paid.
Compare carrier statements with the expected rates you supply and prior payments you upload. Find potential underpayments, understand the discrepancy, and give your team a repeatable way to reconcile commissions every month. Built for independent agencies and the people responsible for carrier commissions and producer payouts.
Start with a paid Commission Reconciliation Review. Agree scope and price before payment.
Hypothetical reconciliation
Fictional agency · monthly example
Potential discrepancy
$1,700
Expected $84,100 · paid $82,400
- Contract rate shortfallExpected vs paid$1,200
- Payment absent from statementCheck prior records$500
Illustration only, not a customer result or recovery forecast. Check contract terms and payment timing before treating a difference as money owed.
No two carrier statements look alike. So the errors stay hidden.
Every carrier formats statements differently and changes them without notice. Most agencies check them in a spreadsheet, if at all. A rate paid two points under contract, a chargeback with no original, a renewal that never showed up: each one is small, and nobody sees the total until someone checks the math.
Small differences. Repeated every month.
- Incorrect commission percentages or unexpected rate changes
- Missing policies or transactions and unexpected chargebacks
- Producer splits that need checking before payday
- Differences buried in long PDFs and spreadsheets
Every unchecked row can mean missed revenue. Checking every row by hand takes time away from resolving the exceptions.
From carrier statement to a clear next action.
Upload a statement
Use a recent CSV, Excel (.xlsx), or readable PDF. Bring your carrier rate schedule and prior statements when available.
Check the extracted rows
Pineapple Split puts the commission data into a consistent format. New layouts need mapping review; not every PDF can be read.
Compare expected and paid
Check against the rates you enter and the payment history you upload. Missing rates are flagged, not treated as verified commissions.
Investigate the differences
Review the reason and supporting rows. Confirm contract terms, cancellations, and payment timing before contacting the carrier.
Record recoveries and payouts
Update dispute status and recovered amounts as you follow up. Calculate producer payouts using your configured splits and export the results.
Forward the statement. Read the findings in your email.
After account setup, turn on email results and forward carrier statements to your private agency address. Receive a receipt, then a summary of potential discrepancies or the information needed to finish the review. Open the app for transaction details, rate setup, and follow-up.
CSV, XLSX, and text-based PDF attachments up to 4 MB. Summaries go to your verified account email. Policyholder details stay in the authenticated report.
Start with a paid statement reviewSee the evidence. Know the limits.
Inspect a sample result
Open our interactive report to see synthetic payment discrepancies, supporting calculations, and a sample carrier follow-up.
Explore the sample reportWhat happens to your statements
Uploaded statements are parsed into commission rows stored in your account. Original parsed rows are retained for audit. Unknown layouts need review; optional AI mapping can send headers and sample rows to Anthropic.
Read data and deletion detailsA team you can reach
Pineapple Split is a product of Banana Analytics Inc. Ask us about your carrier format before committing. Reconciliation assists your review; carrier records and contracts remain the basis for a claim.
info@pineapple-split.comSee what your last statement missed.
Start with a paid review of one recent carrier statement. We agree the scope, fee, and refund or credit terms before you pay. Continue monthly when the process fits your team.