Know which producers actually make you money.
Saturn BPO gives agencies a controller who reconciles carrier statements and recognizes commission the right way, and a fractional CFO who shows you producer profitability, commission economics, and where the book is really growing. Premium trust stays DOI-clean and the numbers stay diligence-ready. Carrier reconciliation and bookkeeping are step one.
Producer-level P&L · Premium trust segregated · DOI- & diligence-ready
Producer P&L
This month
Commission revenue
$0
7.3%Commission by source
- Renewals$0
- New business$0
- Contingents / bonus$0
- Broker fees$0
Client retention
0%
Book of business
$0.0M
Producers
0
Works with the tools you already run
The recurring problems we fix at independent agencies.
Run an independent agency with 3+ producers and you have these. We fix them, then tell you which producers and lines actually make you money.
Commission recognition is wrong
Booked when received, not earned. Every month's revenue number is off.
Carrier statements unmatched
Pile up against the AMS unreconciled. You don't know what's missing or paid.
Producer splits done by hand
Errors are common. Producers eventually notice. Trust drops fast.
Trust accounts comingle
Premium trust mixed with operating cash. State DOI does not like this.
Cancellations skipped
Chargebacks not flowing back through the books. Revenue is overstated.
No producer-level P&L
Carrier schedules never feed a forecast. You can't say which producer or line is actually profitable.
Credentialed by the people who set the rules
QuickBooks ProAdvisors
Xero Advisors
NACPB Certified Bookkeepers
From which-carrier-paid-what to a P&L that ties out.
Before Saturn BPO
- Commissions booked on receipt, not on effective date
- Carrier statements piling up unmatched
- Producer payouts calculated by hand, errors common
- Premium trust mixed with operating cash
- No producer-level profitability view
After Saturn BPO
- Commission revenue recognized on the right date
- Monthly carrier-statement reconciliation built in
- Producer splits calculated, paid, and reported automatically
- Premium trust segregated, DOI- and diligence-ready
- Producer P&L + a fractional CFO read on who's writing profitable business
This is the finance team you'd hire if you had the time to hire one.
Fast month-end close
Controller-run month-end close, targeting the 10th when your records are complete and access is in place.
Controls that hold
Internal controls, approvals, and audit-ready records. Nothing slips.
Forecast, not hindsight
13-week cash, budget vs. actual, KPIs. See what's coming, not just what happened.
Books to board, one team
Bookkeeping, controller, and CFO under one roof. Income tax filed via our partner.
Insurance engagements are scoped to your operation.
Final price is sized to producer count, carrier count, and the level of advisory you want. Custom quote in 24 hours after a 30-minute discovery call.
What that buys you
- • Clean books + carrier-statement reconciliation (the base layer)
- • Commission revenue recognized on the right date
- • Producer split calculations, pay reports, and payment runs
- • Producer-level P&L + a fractional CFO read on the numbers
- • Premium trust segregated, DOI- and diligence-ready
- • Federal + state income tax filing via our tax partner
Typical engagement
Custom quotein 24 hours
Sized to how you run, with a real quote within a day
Get a custom quotePrice scales with
- • Producer count + commission grid complexity
- • Carrier count (more carriers = more reconciliation)
- • Premium trust transaction volume
- • Contingent / profit-sharing structure complexity
- • State-specific DOI reporting requirements
What people actually ask before they sign.
Get a real agency P&L. Not just a list of deposits.
Thirty minutes. Bring your AMS production report, your last carrier statement, and your producer grid. We'll show you exactly where the cleanup time goes.
Book a 30-min agency auditNo contract. No high-pressure follow-up. If we're not a fit we'll say so.