Spend your time resolving exceptions, not checking every row.
Five steps to a repeatable monthly review. Start with the statement and your expected rates, then focus your team on differences worth investigating.
Upload a carrier statement
Upload a CSV, Excel (.xlsx), or readable PDF. Bring your carrier commission schedule and prior statements when available. You can also forward statements to your private in-app email address.
Create a free account. No credit card required.
Review the extracted data
Pineapple Split organizes commission rows into consistent fields. Unknown layouts need mapping review. Saved mappings can be reused when the same layout recurs; scanned PDFs and some layouts need additional format work.
Check the extracted rows before relying on the result.
Compare expected and actual
Compare commissions with the expected rates you enter and prior payments you upload. Findings include a reason and supporting values. Missing rates are flagged so you know where the checks are incomplete.
Contract rates need your commission schedule. CMS reference data also needs verification.
Investigate the discrepancies
Review the source rows and confirm contract terms, policy changes, and payment timing. Export findings to support your conversation with the carrier.
A discrepancy is a reason to investigate, not proof of money owed.
Track recoveries and producer payouts
Review a potential shortfall against your carrier records and contract, then create a recovery case. Track carrier follow-up and link incremental receipts your agency confirms it received. Confirmed recoveries are net of reversals; Pineapple does not verify bank deposits or contact carriers for you. Prepare producer payouts from supported configured splits and export the results.
Your team handles carrier follow-up and actual payments.
The discrepancies, by name.
- Commissions below the expected rate you supply
- One policy paid at two different rates on the same statement
- A rate that differs from every similar line for that carrier
- Medicare reference-cap differences (verify current CMS values)
- New business miscoded as renewal, or the reverse
- Stated statement totals that do not match the sum of lines
- The same policy charged back twice for one period
- Chargebacks with no matching original commission
- Policies absent from a later uploaded period, subject to timing checks
- Lines from a carrier or product with no rate on file yet