For agency owners
Understand the agency without rebuilding the story every month.
Keelridge gives owners an evidence-backed view of booked financial performance and the in-force Book—while keeping the difference between those records visible.
Talk with the founderMONTHLY OWNER REVIEW · SYNTHETICExample
01
What changed financially?P&L, EBITDA bridge, expenses, budget variance
02
What moved in the Book?Retention, gained, lost, transferred, concentration
03
Where does attention belong?Renewal load, team coverage, exceptions, benchmarks
SOURCE · PERIOD · DEFINITION · LIMIT
The owner problem
The agency can have data and still lack an operating answer.
An AMS explains the operating Book. Accounting explains what was posted. Spreadsheets and institutional memory often sit between them.
Keelridge preserves those source boundaries, gives the owner a repeatable review, and lets every conclusion open into its supporting view.
Inside the owner view
One review, with the evidence still attached.
The interface is illustrative and the values are synthetic. The questions, boundaries, and source treatment reflect the product being developed.
KeelridgeAgency PerformanceOWNER VIEWSynthetic exampleBOOK TO GL
Current periodWhat explains the difference?
OWNER ATTENTION
3 itemsWhat needs a decision?
- Commercial concentrationOne segment crossed the configured owner-review threshold.Review
- April renewal coverageTwo Books carry most of the next 30-day premium workload.Plan
- Expense varianceTechnology explains most of the current plan difference.Explained
Current owner capabilities
Follow the economics and the Book together.
Agency P&L and EBITDA
Trace booked revenue, expenses, profitability, and comparison-period movement to the classified accounting rows behind them.
Book of business retention and growth
See Book size, mix, movement, concentration, renewals, client retention, and premium retention from named AMS periods.
Budget and pacing
Build a versioned annual plan, approve it, and follow monthly plan versus actual without overwriting the books.
Big “I” Best Practices benchmarks
Compare configured ratios with the appropriate Big “I” / Reagan Consulting peer tier, with definitions and partial-year limits shown.
Commission reconciliation: AMS to general ledger
Place the AMS commission run-rate and booked commission income together, preserving structural adjustments and any unallocated remainder.
Team and new business
Review account-team coverage and a human-owned new-business pipeline without turning Keelridge into a CRM or employee leaderboard.
Compare it with your own review
Which of these does your agency rebuild by hand?
A short working conversation maps the reports and spreadsheets behind your current monthly review. It is not a commitment to buy.
Talk with the founderBuilt around operating questions
Start with the decision. Keep the evidence attached.
QuestionWhat changed?
EvidenceWhich source and period?
BoundaryWhat remains unexplained?
ReviewWho needs to look next?
What we will not pretend
Two ledgers do not become one just because they share a dashboard.
- The AMS remains operational truth.In-force policies and Book movement come from the selected AMS snapshot.
- Accounting remains booked truth.Revenue and expenses come from posted GL rows.
- Differences remain visible.Timing, direct bill, contingency, exclusions, and unallocated remainder are not silently forced to agree.
- AI remains read-only.The current analytic assistant can explain authorized metrics and link to the owning view; it cannot make changes.
Owner questions
What owners ask before the first conversation.
What should an independent insurance agency measure every month?
A monthly operating review usually needs to answer three questions: what changed financially, what moved in the book of business, and where attention belongs next. In practice that means booked revenue and expenses against plan, in-force premium with client and premium retention, renewal load for the coming period, and any concentration or exception that crosses an owner-review threshold.
Read the note →What is a book-to-GL reconciliation?
It is the comparison between the commission run-rate implied by the agency management system and the commission income actually booked in the general ledger. A useful reconciliation names the structural adjustments between them and reports whatever remainder stays unallocated, rather than presenting a single reconciled total.
Read the note →What are Big "I" Best Practices benchmarks?
They are the operating ratios published from the Big "I" and Reagan Consulting Best Practices Study, grouped by agency revenue tier. They are useful for comparing expense and productivity ratios against similar agencies, provided the peer tier, definitions, and any partial-year limits are shown alongside the comparison.
Does an agency owner need a data warehouse for this?
No. The current path uses the recurring reports an agency already produces from its AMS and accounting system. The work is in mapping, validating, and comparing those sources consistently each month, not in moving the agency onto new infrastructure.
A working session, not a sales script
Show us the review you rebuild every month.
Bring the reports, spreadsheets, and disputed questions. We will map how the operating and financial stories come together today.
Contact Keelridge