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Graded Carrier Table

The Graded Carrier Table is used for complex contracts where commission percentages change as the accumulated premium increases during a policy term. Commission Tracker simplifies this process by providing a grid that mirrors your carrier contracts — no complex formulas required.

💡 Why Use This

Use a Graded Carrier Table when:

  • Your carrier uses tiered percentage rates — The commission rate changes as the accumulated premium crosses certain thresholds during a term.
  • Rates differ between new business and renewals — You can define separate tier schedules for Year 1 and Years 2–10+ in a single table.
  • The contract has a complex step-down structure — The grid mirrors your carrier contract schedule directly.

🗺️ How to Access

  1. Navigate to the Carrier screen and select your carrier.
  2. Navigate to the Commission Tables section.
  3. Select Graded as the table type and click Add.

How the Calculation Works

The system looks at the Policy Term and the Accumulated Premium to determine the correct rate for each dollar received.

Example Calculation

Scenario:

  • Policy Term: 1 (Year 1)
  • Premium Received: $1,500

Calculation Logic:

  1. Tier 1 — The first $1,000 pays 20% = $200.00
  2. Tier 2 — The remaining $500 pays 17% = $85.00
  3. Total Expected Commission: $285.00

Graded Carrier Table Grid Example

Understanding the Columns

Column Purpose
Premium Defines the "threshold" or "bucket" for the premium amount.
1 Defines the percentages used for the first term of the policy (Initial Year).
2–10 Defines the percentages used for policy terms 2 through 10 (Renewal Years).
11–99 Ensures commissions are tracked (or ceased) for policies older than 10 years. Setting this to 0% will stop expectations after Year 10.

Step-by-Step Instructions

  1. Navigate to the Carrier screen and select your carrier.
  2. Add a new Graded Commission Table.
  3. In the Premium column, enter your contract's threshold amounts.
  4. Enter the corresponding Percentages in the Term columns (1, 2-10, etc.).
  5. Click Save.

Keyboard Efficiency

Use the Arrow Keys to move between cells and the Enter key to save your progress. The grid is designed for heads-down data entry so you never have to touch your mouse while building the table.

🔧 Troubleshooting

My commission is not calculating at the correct tier. Verify that the Premium threshold amounts in the table match your carrier contract exactly. Also confirm the policy's Term # is correct — the wrong term number will pull from the wrong column.

I need to update rates mid-contract without losing historical data. Use Carrier Commission Table Versions to create a new version with the updated rates. This preserves historical calculations while applying the new rates to future payments.

Need help? Contact support@commission-tracker.com