--- title: "Sample Commission Reconciliation Report — Lapidar" url: https://getlapidar.com/sample-report/ description: "Interactive example of a Lapidar reconciliation: missing, underpaid, paid-twice, chargeback and not-in-book lines with their sources, plus a carrier letter." last_modified: "2026-10-12" source: getlapidar.com (HTML converted to Markdown at the edge) --- Example data # Sample commission reconciliation report What an agency gets back from Lapidar after one month’s check: every finding with its source line, totals by carrier, and a letter for each carrier. Invented data, real layout. By Lapidar, the team building it · October 12, 2026 **Example data.** The agency, carriers, insureds, policy numbers, files and amounts on this page are invented to show what Lapidar produces. No real agency’s statements were used. The layout, headings, finding names and the wording of the notes and the letter are the ones the app uses. When you run a check, Lapidar matches every carrier statement line to a policy in your book, works out what the commission schedule says you should have been paid, and lists the differences. Below is that result for one invented month: three carriers, three statements (a PDF, a spreadsheet and a CSV) and one book export. Use the filters to look at one carrier or one kind of finding; every line points back to the page and row it came from. Statement period 2026-09-01..2026-09-30 · checked 2026-10-05 ## Findings 15 policies checked across 3 statements against book-export-2026-09.csv. Owed to the agency, not yet raised$785.00 ### By carrier | Carrier | Checked | To raise | Missing | Underpaid | Paid twice | Chargebacks | Report | | --- | --- | --- | --- | --- | --- | --- | --- | | Demo Indemnity | 4 | 126.00 1 | 0.00 | 126.00 1 | 0.00 | −96.40 1 | [Report](https://getlapidar.com/sample-report/#letter-demo-indemnity) | | Example Mutual | 6 | 300.00 2 | 261.60 1 | 38.40 1 | 84.50 1 | 0.00 | [Report](https://getlapidar.com/sample-report/#letter-example-mutual) | | Sample Casualty | 5 | 359.00 2 | 252.00 1 | 107.00 1 | 0.00 | −312.00 1 | [Report](https://getlapidar.com/sample-report/#letter-sample-casualty) | Amounts in dollars; the small figure is the number of findings. Paid twice and chargebacks are money the carrier may take back: check them before the next statement. ### Every finding | Finding | Policy | Carrier | Expected | Paid | Difference | | --- | --- | --- | --- | --- | --- | | Missing | EX-HO-40417Harlan & Ines Pike | Example Mutual | 261.60 | 0.00 | −261.60 | | | renewal policy in book, nothing paid on these statements book-export-2026-09.csv, row 37 | | | | | | Missing | EX-CA-5531Ridgeway Landscaping | Sample Casualty | 252.00 | 0.00 | −252.00 | | | renewal policy in book, nothing paid on these statements (1 of 4 installments due) book-export-2026-09.csv, row 71 | | | | | | Underpaid | EX-WC-918Coldbrook Machine Works | Demo Indemnity | 1,008.00 | 882.00 | −126.00 | | | book premium 12600.00 x schedule rate 8.00% demo-indemnity-2026-09.csv, row 7book-export-2026-09.csv, row 90 | | | | | | Underpaid | EX-HO-40388Dana Whitcombe | Example Mutual | 230.40 | 192.00 | −38.40 | | | book premium 1920.00 x schedule rate 12.00% example-mutual-2026-09.pdf, page 2, row 14book-export-2026-09.csv, row 22 | | | | | | Underpaid | EX-BOP-2214Lantern Street Books | Sample Casualty | 535.00 | 428.00 | −107.00 | | | book premium 4280.00 x schedule rate 12.50% sample-casualty-2026-09.xlsx, sheet Commissions, row 22book-export-2026-09.csv, row 66 | | | | | | Paid twice | EX-PA-77120Marco Velez | Example Mutual | | 84.50 | 84.50 | | | same line as example-mutual-2026-09.pdf, page 1, row 9 example-mutual-2026-09.pdf, page 3, row 4example-mutual-2026-09.pdf, page 1, row 9book-export-2026-09.csv, row 51 | | | | | | Chargeback | EX-WC-904Pell Roofing Co. | Demo Indemnity | | −96.40 | | | | original payment not on these statements; check the earlier period demo-indemnity-2026-09.csv, row 12book-export-2026-09.csv, row 88 | | | | | | Chargeback | EX-BOP-2187Juniper Hair Studio | Sample Casualty | | −312.00 | | | | reverses earlier statement: sample-casualty-2026-08.xlsx, sheet Commissions, row 18 sample-casualty-2026-09.xlsx, sheet Commissions, row 31sample-casualty-2026-08.xlsx, sheet Commissions, row 18book-export-2026-09.csv, row 64 | | | | | | Overpaid | EX-WC-911Arbor Hill Bakery | Demo Indemnity | 412.00 | 448.00 | 36.00 | | | book premium 5150.00 x schedule rate 8.00% demo-indemnity-2026-09.csv, row 9book-export-2026-09.csv, row 89 | | | | | | Not in book | EX-BOP-2301 | Sample Casualty | | 146.25 | | | | paid on statement, no matching policy in the book sample-casualty-2026-09.xlsx, sheet Commissions, row 27 | | | | | | OK | EX-WC-915Fairlane Auto Glass | Demo Indemnity | 604.80 | 604.80 | 0.00 | | | book premium 7560.00 x schedule rate 8.00% demo-indemnity-2026-09.csv, row 8book-export-2026-09.csv, row 91 | | | | | | OK | EX-HO-40391Priya Raman | Example Mutual | 367.50 | 367.50 | 0.00 | | | book premium 2450.00 x schedule rate 15.00% example-mutual-2026-09.pdf, page 2, row 15book-export-2026-09.csv, row 23 | | | | | | OK | EX-PA-77102Tom & Gail Brandt | Example Mutual | 131.00 | 131.00 | 0.00 | | | book premium 1310.00 x schedule rate 10.00% example-mutual-2026-09.pdf, page 1, row 6book-export-2026-09.csv, row 49 | | | | | | OK | EX-PA-77120Marco Velez | Example Mutual | 84.50 | 84.50 | 0.00 | | | book premium 845.00 x schedule rate 10.00% example-mutual-2026-09.pdf, page 1, row 9book-export-2026-09.csv, row 51 | | | | | | OK | EX-BOP-2195Wren Optometry | Sample Casualty | 448.75 | 449.00 | 0.25 | | | book premium 3590.00 x schedule rate 12.50% sample-casualty-2026-09.xlsx, sheet Commissions, row 19book-export-2026-09.csv, row 63 | | | | | In the app each finding also has a state (open, raised, resolved) you set as you work through them, and the whole list exports as CSV. Lines that check out are hidden until you choose “Everything, including OK”. ## How to read the findings - **Missing**: the policy is in your book and owes commission this period, and no statement paid anything on it. The expected amount comes from the book premium and your schedule rate; for a policy billed in installments, only the installments due in the period count. - **Underpaid**: the carrier paid, but less than book premium times schedule rate, by more than your tolerance (one dollar unless you change it). - **Paid twice**: the same amount for the same policy, installment and transaction type appears more than once. The note names the line it repeats. - **Chargeback**: a negative or reversal line. Lapidar pairs it with the payment it reverses, on these statements or on statements checked in an earlier run, or tells you the original isn’t there. - **Overpaid**: paid more than expected. It goes to review, not to the letter, because the carrier may take it back. - **Not in book**: paid on a statement with no matching policy in your book. Often a book that needs updating, sometimes a payment that isn’t yours. - **Unchecked**: matched, but there is no schedule rate or premium to compute an expected amount against. It goes to review. - **OK**: paid what the schedule says, within tolerance. Only **Missing** and **Underpaid** count toward “Owed to the agency” and go on the carrier letter. Everything else is listed for your review. How these situations arise is covered in our guides on [missing renewal commissions](https://getlapidar.com/guides/missing-renewal-commissions/) and [commission chargebacks](https://getlapidar.com/guides/commission-chargebacks-explained/). ## The carrier letter For each carrier, Lapidar prepares a printable report you can save as PDF and send yourself. It lists what is owed with the source of each line, then the items for your review, then the statements reconciled. Lapidar never contacts carriers for you. Items you mark resolved drop off the letter. The structure follows what we suggest in our guide to [writing a commission discrepancy letter](https://getlapidar.com/guides/commission-discrepancy-letter/). Commission discrepancy report ### Demo Indemnity **From** Example Agency LLC **Statement period** 2026-09-01..2026-09-30 **Prepared** October 5, 2026 We reconciled the commission statements listed at the end of this report against our book of business and the commission schedule on file. The items below show commission we expected and did not receive in full. Each line cites the statement page and row, or the book row, it is based on. #### Commission to be paid | Policy | Insured | Issue | Expected | Paid | Owed | | --- | --- | --- | --- | --- | --- | | EX-WC-918 | Coldbrook Machine Works | Underpaid | 1,008.00 | 882.00 | 126.00 | | | book premium 12600.00 x schedule rate 8.00%. Source: demo-indemnity-2026-09.csv, row 7; book-export-2026-09.csv, row 90 | | | | | | Total owed | $126.00 | | | | | #### For your review | Policy | Insured | Issue | Amount | Note | | --- | --- | --- | --- | --- | | EX-WC-904 | Pell Roofing Co. | Chargeback | −96.40 | original payment not on these statements; check the earlier period | | EX-WC-911 | Arbor Hill Bakery | Overpaid | 36.00 | book premium 5150.00 x schedule rate 8.00% | #### Statements reconciled - demo-indemnity-2026-09.csv Please send payment or a corrected statement for the items above, or tell us which ones you dispute and why. Thank you. Example Agency LLC · office@example.com Commission discrepancy report ### Example Mutual **From** Example Agency LLC **Statement period** 2026-09-01..2026-09-30 **Prepared** October 5, 2026 We reconciled the commission statements listed at the end of this report against our book of business and the commission schedule on file. The items below show commission we expected and did not receive in full. Each line cites the statement page and row, or the book row, it is based on. #### Commission to be paid | Policy | Insured | Issue | Expected | Paid | Owed | | --- | --- | --- | --- | --- | --- | | EX-HO-40417 | Harlan & Ines Pike | Missing | 261.60 | 0.00 | 261.60 | | | renewal policy in book, nothing paid on these statements. Source: book-export-2026-09.csv, row 37 | | | | | | EX-HO-40388 | Dana Whitcombe | Underpaid | 230.40 | 192.00 | 38.40 | | | book premium 1920.00 x schedule rate 12.00%. Source: example-mutual-2026-09.pdf, page 2, row 14; book-export-2026-09.csv, row 22 | | | | | | Total owed | $300.00 | | | | | #### For your review | Policy | Insured | Issue | Amount | Note | | --- | --- | --- | --- | --- | | EX-PA-77120 | Marco Velez | Paid twice | 84.50 | same line as example-mutual-2026-09.pdf, page 1, row 9 | #### Statements reconciled - example-mutual-2026-09.pdf Please send payment or a corrected statement for the items above, or tell us which ones you dispute and why. Thank you. Example Agency LLC · office@example.com Commission discrepancy report ### Sample Casualty **From** Example Agency LLC **Statement period** 2026-09-01..2026-09-30 **Prepared** October 5, 2026 We reconciled the commission statements listed at the end of this report against our book of business and the commission schedule on file. The items below show commission we expected and did not receive in full. Each line cites the statement page and row, or the book row, it is based on. #### Commission to be paid | Policy | Insured | Issue | Expected | Paid | Owed | | --- | --- | --- | --- | --- | --- | | EX-CA-5531 | Ridgeway Landscaping | Missing | 252.00 | 0.00 | 252.00 | | | renewal policy in book, nothing paid on these statements (1 of 4 installments due). Source: book-export-2026-09.csv, row 71 | | | | | | EX-BOP-2214 | Lantern Street Books | Underpaid | 535.00 | 428.00 | 107.00 | | | book premium 4280.00 x schedule rate 12.50%. Source: sample-casualty-2026-09.xlsx, sheet Commissions, row 22; book-export-2026-09.csv, row 66 | | | | | | Total owed | $359.00 | | | | | #### For your review | Policy | Insured | Issue | Amount | Note | | --- | --- | --- | --- | --- | | EX-BOP-2187 | Juniper Hair Studio | Chargeback | −312.00 | reverses earlier statement: sample-casualty-2026-08.xlsx, sheet Commissions, row 18 | | EX-BOP-2301 | | Not in book | 146.25 | paid on statement, no matching policy in the book | #### Statements reconciled - sample-casualty-2026-09.xlsx Please send payment or a corrected statement for the items above, or tell us which ones you dispute and why. Thank you. Example Agency LLC · office@example.com ## What went in Three kinds of file produce a result like this one: - **Your book of business**: an export from your agency management system with carrier, policy number, line, new or renewal, and written premium. CSV or XLSX. - **Your commission schedule**: the rate each carrier agreed to pay, by line and by new or renewal. Upload it as CSV or XLSX, or type it into a table in the app. - **Carrier statements**: CSV, XLSX, or a PDF with selectable text, in the layout the carrier sent. A layout Lapidar doesn’t recognise needs its columns matched once, and that layout is then remembered. Scanned or photographed PDFs can’t be read yet, and nothing connects to your AMS directly. The full list is on the [commission reconciliation software](https://getlapidar.com/commission-reconciliation-software/) page. ## Frequently asked questions ### Is this a real agency’s data? No. The agency, carriers, insureds, policy numbers, file names and amounts are invented. The structure of the page, the finding names and the wording of the notes and the carrier letter match what the Lapidar app produces. ### What counts as money owed to the agency? Only findings marked Missing or Underpaid. Paid twice, chargebacks, overpaid and not-in-book lines are listed for your review but are not added to the total or put on the carrier letter. ### Does Lapidar send the letter to the carrier? No. Lapidar prepares a printable report per carrier that you can save as PDF and send yourself. It never contacts carriers on your behalf. ### Can I try this on my own statements? Yes. Creating an account at app.getlapidar.com is free; running checks needs the founding pilot subscription, USD 99 a month plus applicable tax, cancel anytime. On this page 1. [Findings](https://getlapidar.com/sample-report/#sr-h) 2. [How to read the findings](https://getlapidar.com/sample-report/#read) 3. [The carrier letter](https://getlapidar.com/sample-report/#letter) 4. [What went in](https://getlapidar.com/sample-report/#inputs) 5. [Frequently asked questions](https://getlapidar.com/sample-report/#faq) This page uses invented data. Lapidar is in its founding pilot, with no customers or published results yet. [Open an account — founding pilot](https://app.getlapidar.com/signup) ## Run this on your own statements. Upload your book, your schedule and this month’s carrier statements. Lapidar checks every line and gives you findings and carrier letters like the ones above. Founding pilot: $99 a month plus tax, cancel anytime. [Open an account — founding pilot](https://app.getlapidar.com/signup) [What the pilot includes](https://getlapidar.com/pilot/) Not ready? Get one email when Lapidar opens more widely.