Real-time commission calculation, payment automation, and distribution accounting for the entire Medicare Advantage supply chain. From CMS data to FMO override to agent payout — automated, auditable, defensible.
The spreadsheets, the email chains, the manual reconciliation at month-end — compLAB replaces all of it with a single, integrated commission infrastructure layer that runs in real time.
Built from the ground up for Medicare Advantage distribution. Not a horizontal platform with a Medicare module — a purpose-engineered commission infrastructure that knows the difference between MAPD and MA-only override structures.
Commission calculations execute the moment an enrollment processes — not at month-end reconciliation. Every MAPD, MA-only, PDP, and DSNP enrollment triggers an immediate commission event across the full hierarchy. No lag, no batch jobs, no waiting.
Full FMO → MGA → Agency → Agent override chain management with up to 8 hierarchy tiers. Define custom override rules, percentage splits, flat-fee structures, and tiered volume bonuses at every level. Automatic upward propagation on every enrollment event.
Direct API connections to 14+ Medicare Advantage carrier commission systems. Real-time enrollment status, commission statement ingestion, and reconciliation against carrier records — all automated. Supports CMS EDI 834 enrollment data natively.
Every commission event, override calculation, payment disbursement, and manual adjustment is logged with full SOC2-ready audit trails. Immutable event log with user attribution, timestamps, and delta tracking. Designed to survive carrier audits and CMS enforcement inquiries.
Automated ACH and wire disbursement with full bank account management, payment scheduling, and reconciliation. Custom disbursement calendars by agent or agency tier. Automatic chargeback processing with payment clawback workflows and agent notifications built in.
Complex override rules engine supporting percentage-of-commission splits, flat-fee overrides, volume-tiered bonus structures, and custom contract terms. Full chargeback management with 6-, 12-, and 24-month lookback periods. Automated dispute workflow with carrier reconciliation.
compLAB connects to your carrier systems, learns your hierarchy structure, and begins processing commission events automatically. Here's the flow.
compLAB integrates directly with your carrier portals and CMS enrollment feeds using pre-built connectors. During onboarding, you configure your hierarchy structure — define every tier, upload existing contracts, set commission rates and override percentages for each node. Our build team works with you to migrate historical commission data and establish baseline calculations against your existing records.
When an enrollment event occurs — whether it originates from a carrier portal, a CRM submission, or a direct CMS EDI file — compLAB processes the event in real time. The commission calculation engine applies the correct rate for the plan type, enrollment period, and agent tier, then propagates override calculations up through every level of your hierarchy. Every calculation is logged to the immutable audit trail before any downstream action occurs.
On your configured disbursement schedule — weekly, biweekly, or monthly — compLAB executes payment runs across your entire agent and agency network. Carrier statement reconciliation runs automatically, flagging discrepancies before they become disputes. Agents receive itemized payment statements with enrollment-level detail. FMO administrators get real-time commission dashboards, override reports, and chargeback management tools — all in one interface with no manual assembly required.