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Agent Statements

Statements provide Agents with information on the Commission details and any Chargebacks or Adjustments applied during a cycle.

Statements provide Agents with detailed information about commission activity for each Commission Cycle, including commissions earned, chargebacks, adjustments, and agent credits. Statements are generated each time a Commission Cycle is closed.

Statements are available in both PDF and CSV formats and can be accessed by administrators and Agents, depending on permissions.

Statement Access

Admin Access

Admins can access Agent Statements from multiple locations:

    • The Statements tab within an Agent’s detail page
    • The Statements option under the Reports menu
    • Direct links available from Commission Cycle results

From these locations, Admins can view statements for all Agents across all cycles.

 

Agent Statement page accessed from Agent Details

 Agent Statement list page accessed from Reports > Statements: 

 Agent Statements accessed from an open or closed Commission Cycle:  

Agent Access

Agents can access only their own statements from their Agent Dashboard.

    • Agents receive an email after a Commission Cycle is closed with a link to log into Comissio.
    • On first login, Agents are prompted to create a Username and set a password.
    • Agents cannot view statements belonging to other Agents unless explicitly allowed through downline settings.

Statement Page accessed by an Agent:

New Accounts and Go‑Live Behavior

For new Comissio accounts:

    • Statements generated before the account is set to Active are hidden
    • Only statements with Commission Processing Dates after the go‑live date are displayed

This supports scenarios where cycles are run in parallel with a legacy system prior to go‑live.

Downline Agent Statements

Admins can enable the option Allow Agent to see downline statements on the Agent Statements page within Agent Details.

When enabled:

    • The Agent can access statements for downline Agents
    • Access is provided from the Hierarchy page in the Agent Dashboard
    • Selecting a downline Agent opens a slide‑out page showing that Agent’s statements

Important Hierarchy Note

    • Downline visibility is based solely on Upline settings in Agent Details
    • Alternate Uplines created through Custom Settings are not considered
    • Statements display all Agent activity, including commissions associated with multiple uplines

⚠️ Agencies should define internal policies for downline statement visibility.

Option to allow Upline Agents to see Statements for Downline Agents

Agent Dashboard Hierarchy page when the Agent has the option to allow seeing Statements of downline with link to view outlined:

Slide out allowing view of Downlinne Agent’s Statements after selecting view:

Statement Formats

Statements are available in:

    • PDF format (primary statement for Agents)
    • CSV format (Commission Activity, Chargebacks, and Adjustments)

CSV statements are commonly used for:

    • Analysis
    • Reconciliation
    • Import into downstream commission or accounting systems

If no activity exists for a section in a given cycle, the corresponding CSV file opens as a blank file.

 

Commission PDF Statement

Each time a Commission Cycle is closed, a PDF commission statement is created for each Agent included in the run.

The PDF includes:

    • A summary page
    • Detailed sections for commission activity, chargebacks, adjustments, and agent credits

(The Agent Credits section is documented separately under Agent Credits.)

Summary Page (First Page of PDF)

The first page of the statement provides summary totals across all Issuers.

It includes three summary sections:

    • Payable Commission
    • Form 1099
    • Agent Balance

The summary may also display informational messages related to:

    • Terminated and Not Vested
    • Commission On Hold
    • Forfeit Commission

Statement Page accessed by an Agent.

First page in a Statement with the Summary Information


 

Payable Commission Summary

The Payable Commission section shows items affecting the Agent’s net pay.

It includes:

    • Direct Commission: Commissions earned or advanced as the Writing Agent
    • Override Commission: Commissions earned where the Agent is not the Writing Agent
    • Chargebacks: Reductions due to unearned advanced commissions (shown in brackets)
    • Adjustments: Manual or system adjustments where Net was checked
    • Admin Fee: Total admin fees assessed (shown in brackets)
    • Amount Payable: Net amount payable to the Agent

Section of the Summary for Payable Commission or Net Payable

Form 1099 Summary

Displays year‑to‑date taxable income details for independent Agents.

Includes:

    • Beginning Year to Date
    • Cycle Gross Amount
    • Chargebacks
    • Adjustments
    • Admin Fee
    • This Cycle
    • Year to Date

Section of the Summary for Form 1099 information

Bypass 1099

If Bypass 1099 is enabled in Payment Options:

    • The Form 1099 section displays Not Applicable
    • All values are hidden

Section of the Summary for the Form 1099 information when Bypass 1099 checked in Agent Details:

Agent Balance Summary

Shows activity related to advanced commissions.

Includes:

    • Beginning Agent Balance
    • New Advances
    • Chargebacks
    • Adjustments
    • Advance Recovery
    • Ending Agent Balance

This balance represents the Agent’s outstanding debit balance from advances.

 

Section of the Summary for the Agent Balance information:

Commission Activity Section

Displays detailed commission activity for all policies processed in the cycle.

Organization:

    • Grouped by Issuer
    • Then by New Enrollments vs Recurring Business
    • Then by Product Type

Non‑monthly pay schedules (Quarterly, Semi‑Annual, Annual) display each month as a separate line item for clarity.

Displayed fields include:

    • Policy ID
    • Policyholder
    • Plan
    • Agent of Record
    • Effective Date
    • Paid To Date
    • Commission

    Commission Activity example with sort by Product Type:

    Statement Sorting Options (PDF)

    The order in which Policies appear on an Agent Statement PDF can be configured using Statement Options in system settings.

    This allows Administrators to control how Policies are grouped and displayed for Agents when statements are generated.

    Configuring Statement Sort Order

    Within the Settings for Statement Options, the Sort Policies by (PDF) setting determines how Policies are ordered on the Agent Statement PDF in Commision Activity.

    Available options include:

    Sort by Product Type

      • Policies on the Agent Statement PDF are grouped and sorted by Product Type
      • This is useful when Agents sell across multiple lines of business and prefer to see commissions grouped by product category

    Sort by Policyholder

      • Policies on the Agent Statement PDF are sorted alphabetically by Policyholder
      • This is useful when Agents focus on individual customers and want statements ordered by client

    Changes to this setting affect PDF statements generated after the setting is saved.

    System setting for Statement Options with selection for sort by Policyholder outlined:

     

    Example of section for Commission activity when sort by Policyholder is selected:

    Chargeback Activity Section

    Displays detailed Chargeback activity for the Agent on the current Statement.

    This section appears only if the Agent has Chargeback activity reflected on the Statement. If the Agent does not have any Chargeback activity, this section does not appear on the PDF Statement.

     

    Chargeback Activity section:

    Organization

      • Grouped by Issuer
      • Within an Issuer, Chargebacks may be displayed by Product or category, depending on configuration
      • Totals are displayed at both the Issuer level and as a grand total

    Displayed Fields

      • Policy ID – Issuer’s Policy number or identification number
      • Policyholder – Last name, first name of the Policyholder
      • Advanced Commission – Total amount of advanced commission originally paid on the Policy
      • Advance Recovery – Total commission earned and recovered against the advance prior to Chargeback creation
      • Chargeback Amount – Total amount of commission remaining to be recovered through Chargeback
      • Previous Applied Amount – Portion of the Chargeback balance applied during prior Commission Cycles
      • Applied Amount – Amount applied toward the Chargeback balance on the current Statement
      • Remaining Balance – Outstanding Chargeback balance after the current cycle, if any
      • Notes – Additional comments entered by the payor

    Adjustment Activity Section

    Displays Adjustment activity for the Agent on the current Statement.

    This section appears only if the Agent has Adjustment activity reflected on the Statement. If the Agent does not have any Adjustments on the Statement, this section does not appear on the PDF Statement.

    Adjustments may be:

      • Manually created by an Administrator, or
      • System‑generated based on business rules (for example, vesting or commission withholding)

    Adjustment Activity section: 

    Adjustment Amount Display Behavior (PDF)

    On the PDF Statement, Adjustment amounts are displayed using the following convention:

      • A positive amount indicates the Adjustment adds to the affected balance(s)
      • A negative amount indicates the Adjustment reduces the affected balance(s)

    This display convention differs from internal processing logic but is intended to be intuitive for Agents reviewing their Statement.

    Displayed Fields

      • Description – Adjustment type or description
      • Adjustment Amount – Total Adjustment amount, displayed as positive or negative based on its effect
      • Previous Applied Amount – Amount applied in prior Commission Cycles
      • Applied Amount – Portion of the Adjustment applied on the current Statement
      • Remaining Balance – Outstanding Adjustment balance, if any
      • Agent Balance – An “X” indicates the Adjustment affects Agent Balance
      • 1099 – An “X” indicates the Adjustment affects the 1099 balance
      • Net – An “X” indicates the Adjustment affects Net payable
      • Notes – Additional comments entered by the payor

    Summary Row

    At the bottom of the section, totals are displayed for:

      • Number of Adjustments
      • Total Adjustment Amount
      • Total Applied Amount
      • Remaining Balance

    Commission csv Statements.

    In addition to PDF statements, CSV versions of statement data are available to provide a flexible format for analysis, reconciliation, or import into downstream commission or accounting systems.

    CSV statements are available for:

      • Commission Activity
      • Chargebacks
      • Adjustments

    If there is no activity for a given section in a cycle, the CSV file will still be generated but will open as a blank file, indicating no activity occurred.

    Portion from a Statement access page to select csv Statement selections.

    Portion from Summary page in Closed Run showing options to select csv Statement selections.

    Commission Activity CSV Statement

    The Commission Activity CSV includes all policy‑level commission activity processed in the current Commission Cycle.

    For policies with pay schedules that are not monthly (Quarterly, Semi‑Annual, or Annual), each month is displayed as a separate line item. For example, a quarterly payment will appear as three rows.

    Commission Activity CSV opened with excel.

    The Commission Activity CSV includes the following fields:

      • Commission Processing Date: Processing date of the cycle
      • Statement Agent ID: Agent ID associated with the statement
      • Policy ID: Issuer’s policy number or identifier
      • Policyholder Last Name: Last name of the policyholder
      • Policyholder First Name: First name of the policyholder
      • Issuer: Carrier or company issuing the policy
      • State: State associated with the policy, if provided
      • Product Type: Product type of the commissionable product
      • Plan: Name of the plan
      • Agent of Record: Comissio Agent ID of the writing agent
      • Last Name: Last name of the Agent
      • First Name: First name of the Agent
      • Policy Status: Policy status at the time of processing
      • Effective Date: Policy effective date
      • Termination Date: Date policy was terminated, if applicable
      • Paid To Date: End date of the coverage period
      • Comm. Premium: Commissionable premium used in the calculation
      • Pay Month: Number of months covered by the transaction
      • Pay Schedule: Monthly, Quarterly, Semi‑Annual, or Annual
      • Pay Code: Payment code from policy details
      • Comm. Rate: Commission percentage rate
      • Fixed Rate: Flat dollar commission rate
      • Member Count: Member count for PMPM products
      • FY or RN: Indicates First Year (FY) or Renewal (RN)
      • New Enrollment: Indicates first‑month enrollment
      • Advance Mo.: Number of months advanced
      • Advanced Comm.: Advanced commission from percentage rates
      • Advance Fixed: Advanced commission from fixed amounts
      • Admin Fee Rate: Rate applied to gross advances
      • Admin Fee: Admin fee amount assessed
      • Adv. Recovery: Amount applied to recover advances
      • Net Comm: Net commission contributing to the payable amount

    FY / RN and New Enrollment Indicators in the Commission Activity CSV:

    The following table describes how FY / RN (First Year or Renewal), and New Enrollment values are assigned:

    Term Period

    FY or RN

    New Enrollment

    Month 1

    FY

    Y

    Months 2–12

    FY

    N

    Month 13+

    RN

    N

    Quarterly Month 1 (of 3)

    FY

    Y

    Quarterly Months 4–12

    FY

    N

    Quarterly Months 13+

    RN

    N

    Annual Month 1 (of 12)

    FY

    Y

    Annual Months 13–24

    RN

    N

    Chargeback Activity CSV Statement

    The Chargeback Activity CSV displays detailed chargeback activity applied during the current Commission Cycle.

    This file includes chargebacks with $0.00 amounts, which may not appear in on‑screen views. Zero‑dollar rows indicate that all Agents in the hierarchy were evaluated during processing and may be required by downstream systems.

    Chargeback Activity CSV opened with excel

    The Chargeback Activity CSV includes the following fields:

      • Commission Processing Date: Processing date of the cycle
      • Policy ID: Issuer’s policy number or identifier
      • Policyholder Last Name: Last name of the policyholder
      • Policyholder First Name: First name of the policyholder
      • Issuer: Carrier or company issuing the policy
      • Advanced Commission: Total advanced commission from prior cycles
      • Adv. Recovery: Recovery applied from prior cycles
      • Chargeback Amount: Total chargeback amount
      • Prev. Applied: Amount applied in prior cycles
      • Applied Amount: Amount applied in the current cycle
      • Remaining Bal.: Remaining outstanding balance
      • Notes: Miscellaneous comments added by the payor

    Adjustment Activity CSV Statement

    The Adjustment Activity CSV displays adjustment activity applied during the current Commission Cycle.

    Adjustment Activity CSV opened with excel

    The Adjustment Activity CSV includes the following fields:

      • Commission Processing Date: Processing date of the cycle
      • Adjustment Description: Type or reason for the adjustment
      • Adj. Amount: Total adjustment amount
      • Prev. Applied: Amount applied in prior cycles
      • Applied Amount: Amount applied in the current cycle
      • Remaining Bal.: Remaining outstanding balance
      • Apply to Agent Balance: “1” indicates Agent Balance affected
      • Apply to Form 1099: “1” indicates 1099 balance affected
      • Apply to Net: “1” indicates Net payable affected
      • Notes: Miscellaneous comments added by the payor

    Consolidated Activity CSV Statement

    When the Statement Type (CSV) system setting is configured as Consolidated, a single CSV file is generated instead of three separate files.

    The consolidated file includes:

      • Commission Activity
      • Chargebacks
      • Adjustments

    Each row is identified using a Type column:

      • COM = Commission Activity
      • CBK = Chargeback
      • ADJ = Adjustment

    All columns available in the individual CSV files remain available in the consolidated CSV. This option is preferred when a single file is needed for analysis, rather than importing into other systems.

    System Settings with Statement Option Statement Type (CSV) Consolidated Outlined:

    Commission Activity CSV opened with excel

    Consolidated CSV Fields

    The Consolidated Commission CSV statement includes the following fields:

      • Commission Processing Date: Processing date of the Commission Cycle.
      • Type: COM = Commission Activity, CBK = Chargeback, ADJ = Adjustment.
      • Statement Agent ID: Agent ID of the Agent to whom the statement belongs.
      • Policy ID: Issuer’s policy number or identification number.
      • Policyholder Last Name: Last name of the person for whom the policy is written.
      • Policyholder First Name: First name of the person for whom the policy is written.
      • Issuer: Carrier or company associated with the policy.
      • State: State associated with the policy, if provided.
      • Product Type: Product type of the commissionable product.
      • Plan: Name of the policy plan.
      • Agent of Record: Comissio Agent ID of the Writing Agent.
      • Last Name: Last name of the Agent.
      • First Name: First name of the Agent.
      • Policy Status: Policy status at the time of the Commission Cycle run.
      • Effective Date: Effective date of the policy.
      • Termination Date: Date the policy status was changed to terminated, if applicable.
      • Paid To Date: End date of the coverage period.
      • Comm. Premium: Commissionable premium used for percentage‑based commissions. May not apply to flat dollar commissions.
      • Pay Month: Number of months the commission transaction covers.
      • Pay Schedule: Monthly, Quarterly, Semi‑Annually, or Annually, as defined in policy details.
      • Pay Code: Payment code from the policy, such as As Earned or Default (allows advances).
      • Comm. Rate: Commission percentage rate.
      • Fixed Rate: Flat dollar commission rate.
      • Member Count: Member count for Per Member Per Month policies.
      • FY or RN: Indicates First Year (FY) or Renewal (RN).
      • New Enrollment: Indicates first‑month enrollment with no prior commissions.
      • Advance Mo.: Number of months advanced.
      • Advanced Comm.: Advanced commission resulting from percentage‑based rates.
      • Adv. Fixed: Advanced commission resulting from fixed dollar rates.
      • Admin Fee Rate: Rate applied when calculating admin fees on advances.
      • Admin Fee: Admin fee amount assessed (Admin Fee Rate × (Advanced Comm. + Adv. Fixed)).
      • Street & Override Fields: Initial, True‑up, and Renewal fields used for Medicare Advantage and Medicare Prescription Drug commissions (see Medicare section of this User Guide).
      • Adv. Recovery: Amount applied to recover advanced commissions.
      • Earned Commission: Net commission generated toward the Amount Payable.
      • Comm Activity Amount: When Type is COM, represents net commission; when CBK, represents chargeback applied; when ADJ, represents adjustment applied.
      • CBK/ADJ Amount: Total chargeback or adjustment amount.
      • CBK/ADJ Prev. Applied: Amount previously applied in prior cycles.
      • CBK/ADJ Remaining Bal.: Remaining outstanding chargeback or adjustment balance.
      • CBK/ADJ Notes: Notes associated with the chargeback or adjustment.
      • Adjustment Description: Adjustment type.
      • Apply to Agent Balance: “Y” indicates the Agent Balance is affected.
      • Apply to Form 1099: “Y” indicates the 1099 balance is affected.
      • Apply to Net: “Y” indicates the Net payable amount is affected.

    ⚠️Warning: Changing the system setting for CSV Statement Type between Segmented and Consolidated after statements have been generated and saved for commission cycles will result in previously generated statements no longer being available for viewing. Before changing this setting, ensure any required historical statements have been downloaded or otherwise retained.