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Variance Report

The row-level receipt under a single carrier statement: every short-pay and missed renewal, with a ready-to-send dispute.
Cowork Recon

Variance Report

2026-05-01 through 2026-05-31
Agency: Lazorenko Insurance Partners (code AG-LAZORENKO)
Carrier: Travelers
Run date: 2026-06-08
We found 9 commission variances totalling $3,557.01 owed back to your agency. Each one has a ready-to-send dispute draft below — approve and forward.
Owed to agency
$3,557.01
Potential overpayment
$4,337.63
Variances flagged
9
Policies matched
28

Variances

⚠ 5 rows flagged for review. Rows with a confidence score of 80 or below were matched on name similarity (not an exact policy number) or have an ambiguous interpretation — verify them against your AMS before sending any dispute.
SeverityKindPolicyInsuredDollar impactConfidence
highmissing in amsTR-532-1001Acme LLC$-2,239.0870 ⚠
highmissing in amsTR-463-1009Cedar Ridge Holdings$-2,098.5570 ⚠
highmissing in statementTR-444-9000Phantom AMS Policy 1+$1,160.3580 ⚠
highmissing in statementTR-444-9002Phantom AMS Policy 3+$841.3680 ⚠
highwrong rateTR-159-1024Cedar Ridge Co.+$465.6895
highmissing in statementTR-444-9001Phantom AMS Policy 2+$406.4780 ⚠
highwrong rateTR-713-1023Lakeside Ventures+$392.8695
highshort paidTR-881-1004Lakeside Inc.+$149.6595
highshort paidTR-121-1029Westbrook Industries+$140.6495

Draft disputes (9)

CWR-20260608-TRA-321001ED9 missing in ams $2,239.08
Subject: Commission entry needs source verification — policy TR-532-1001
Submit via: Direct Bill Commission Inquiry form on agency.travelers.com (verify current path)
Response by: 2026-06-18
Hello Commission Accounting Team,

I'm writing on behalf of Lazorenko Insurance Partners (agency code AG-LAZORENKO) regarding a commission entry that appears on our Travelers direct-bill statement for the period 2026-05-01 through 2026-05-31, but does not match a policy in our agency management system.

The entry in question:
  Policy number: TR-532-1001
  Insured (per statement): Acme LLC
  Commission paid: $2,239.08

We want to confirm this is a policy our agency wrote, since we have no matching record. Could you please send us:
  1. The original application or binder reference
  2. The producer code that was credited
  3. The effective date

If this commission was credited to us in error, we'll work with you to resolve it. If it is correctly ours, we'd appreciate the source documentation so we can update our AMS.

Reference: CWR-20260613-TRA-321001ED9

Thank you for your prompt review,

V. Lazorenko
Principal, Lazorenko Insurance Partners
commissions@coworkrecon.test
CWR-20260608-TRA-63100996A missing in ams $2,098.55
Subject: Commission entry needs source verification — policy TR-463-1009
Submit via: Direct Bill Commission Inquiry form on agency.travelers.com (verify current path)
Response by: 2026-06-18
Hello Commission Accounting Team,

I'm writing on behalf of Lazorenko Insurance Partners (agency code AG-LAZORENKO) regarding a commission entry that appears on our Travelers direct-bill statement for the period 2026-05-01 through 2026-05-31, but does not match a policy in our agency management system.

The entry in question:
  Policy number: TR-463-1009
  Insured (per statement): Cedar Ridge Holdings
  Commission paid: $2,098.55

We want to confirm this is a policy our agency wrote, since we have no matching record. Could you please send us:
  1. The original application or binder reference
  2. The producer code that was credited
  3. The effective date

If this commission was credited to us in error, we'll work with you to resolve it. If it is correctly ours, we'd appreciate the source documentation so we can update our AMS.

Reference: CWR-20260613-TRA-63100996A

Thank you for your prompt review,

V. Lazorenko
Principal, Lazorenko Insurance Partners
commissions@coworkrecon.test
CWR-20260608-TRA-44900012F missing in statement $1,160.35
Subject: Missing commission — policy TR-444-9000
Submit via: Direct Bill Commission Inquiry form on agency.travelers.com (verify current path)
Response by: 2026-06-18
Hello Commission Accounting Team,

I'm writing on behalf of Lazorenko Insurance Partners (agency code AG-LAZORENKO) regarding a missing commission entry on our Travelers direct-bill statement for the period 2026-05-01 through 2026-05-31.

Our records show policy TR-444-9000 for Phantom AMS Policy 1 was active during the period, with gross premium of $11,050.92 and transaction date 2026-05-15. At 10.50% this policy should have appeared on our statement with a commission of $1,160.35.

It does not appear on the statement we received.

Please research this policy and reissue commission for the corresponding cycle, or let me know what information you need to investigate further.

Reference: CWR-20260613-TRA-44900012F
Dollar at stake: $1,160.35

Thank you for your prompt review,

V. Lazorenko
Principal, Lazorenko Insurance Partners
commissions@coworkrecon.test
CWR-20260608-TRA-449002ED5 missing in statement $841.36
Subject: Missing commission — policy TR-444-9002
Submit via: Direct Bill Commission Inquiry form on agency.travelers.com (verify current path)
Response by: 2026-06-18
Hello Commission Accounting Team,

I'm writing on behalf of Lazorenko Insurance Partners (agency code AG-LAZORENKO) regarding a missing commission entry on our Travelers direct-bill statement for the period 2026-05-01 through 2026-05-31.

Our records show policy TR-444-9002 for Phantom AMS Policy 3 was active during the period, with gross premium of $8,012.92 and transaction date 2026-05-15. At 10.50% this policy should have appeared on our statement with a commission of $841.36.

It does not appear on the statement we received.

Please research this policy and reissue commission for the corresponding cycle, or let me know what information you need to investigate further.

Reference: CWR-20260613-TRA-449002ED5
Dollar at stake: $841.36

Thank you for your prompt review,

V. Lazorenko
Principal, Lazorenko Insurance Partners
commissions@coworkrecon.test
CWR-20260608-TRA-5910240AF wrong rate $465.68
Subject: Commission rate discrepancy — policy TR-159-1024
Submit via: Direct Bill Commission Inquiry form on agency.travelers.com (verify current path)
Response by: 2026-06-18
Hello Commission Accounting Team,

I'm writing on behalf of Lazorenko Insurance Partners (agency code AG-LAZORENKO) regarding a commission rate discrepancy on our Travelers direct-bill statement for the period 2026-05-01 through 2026-05-31.

Policy TR-159-1024 for Cedar Ridge Co. was paid at a commission rate of 12.50%. Our contracted rate for this product/line of business is 14.50% — a gap of 2.00 percentage points.

At gross premium $23,284.19, this rate gap implies $465.68 owed.

Could you confirm the contracted rate that should apply to this policy and reconcile accordingly? If our records are wrong about the rate, please point me to the appointment letter or rate sheet that governs this policy.

Reference: CWR-20260613-TRA-5910240AF
Dollar at stake: $465.68

Thank you for your prompt review,

V. Lazorenko
Principal, Lazorenko Insurance Partners
commissions@coworkrecon.test
CWR-20260608-TRA-449001E65 missing in statement $406.47
Subject: Missing commission — policy TR-444-9001
Submit via: Direct Bill Commission Inquiry form on agency.travelers.com (verify current path)
Response by: 2026-06-18
Hello Commission Accounting Team,

I'm writing on behalf of Lazorenko Insurance Partners (agency code AG-LAZORENKO) regarding a missing commission entry on our Travelers direct-bill statement for the period 2026-05-01 through 2026-05-31.

Our records show policy TR-444-9001 for Phantom AMS Policy 2 was active during the period, with gross premium of $3,871.13 and transaction date 2026-05-15. At 10.50% this policy should have appeared on our statement with a commission of $406.47.

It does not appear on the statement we received.

Please research this policy and reissue commission for the corresponding cycle, or let me know what information you need to investigate further.

Reference: CWR-20260613-TRA-449001E65
Dollar at stake: $406.47

Thank you for your prompt review,

V. Lazorenko
Principal, Lazorenko Insurance Partners
commissions@coworkrecon.test
CWR-20260608-TRA-1310233D5 wrong rate $392.86
Subject: Commission rate discrepancy — policy TR-713-1023
Submit via: Direct Bill Commission Inquiry form on agency.travelers.com (verify current path)
Response by: 2026-06-18
Hello Commission Accounting Team,

I'm writing on behalf of Lazorenko Insurance Partners (agency code AG-LAZORENKO) regarding a commission rate discrepancy on our Travelers direct-bill statement for the period 2026-05-01 through 2026-05-31.

Policy TR-713-1023 for Lakeside Ventures was paid at a commission rate of 11.00%. Our contracted rate for this product/line of business is 13.00% — a gap of 2.00 percentage points.

At gross premium $19,642.76, this rate gap implies $392.86 owed.

Could you confirm the contracted rate that should apply to this policy and reconcile accordingly? If our records are wrong about the rate, please point me to the appointment letter or rate sheet that governs this policy.

Reference: CWR-20260613-TRA-1310233D5
Dollar at stake: $392.86

Thank you for your prompt review,

V. Lazorenko
Principal, Lazorenko Insurance Partners
commissions@coworkrecon.test
CWR-20260608-TRA-81100436B short paid $149.65
Subject: Commission underpayment — policy TR-881-1004
Submit via: Direct Bill Commission Inquiry form on agency.travelers.com (verify current path)
Response by: 2026-06-18
Hello Commission Accounting Team,

I'm writing on behalf of Lazorenko Insurance Partners (agency code AG-LAZORENKO) regarding a commission underpayment on our Travelers direct-bill statement for the period 2026-05-01 through 2026-05-31.

Policy TR-881-1004 for Lakeside Inc. was paid at $903.41, but at gross premium $9,034.06 and the contracted commission rate, the expected commission is $1,053.06.

Shortfall: $149.65

Please review the calculation and reissue the difference, or let me know what factor I'm missing (e.g., a chargeback we hadn't recorded, a rate band change for this product).

Reference: CWR-20260613-TRA-81100436B
Dollar at stake: $149.65

Thank you for your prompt review,

V. Lazorenko
Principal, Lazorenko Insurance Partners
commissions@coworkrecon.test
CWR-20260608-TRA-2110296F6 short paid $140.64
Subject: Commission underpayment — policy TR-121-1029
Submit via: Direct Bill Commission Inquiry form on agency.travelers.com (verify current path)
Response by: 2026-06-18
Hello Commission Accounting Team,

I'm writing on behalf of Lazorenko Insurance Partners (agency code AG-LAZORENKO) regarding a commission underpayment on our Travelers direct-bill statement for the period 2026-05-01 through 2026-05-31.

Policy TR-121-1029 for Westbrook Industries was paid at $679.93, but at gross premium $6,799.32 and the contracted commission rate, the expected commission is $820.57.

Shortfall: $140.64

Please review the calculation and reissue the difference, or let me know what factor I'm missing (e.g., a chargeback we hadn't recorded, a rate band change for this product).

Reference: CWR-20260613-TRA-2110296F6
Dollar at stake: $140.64

Thank you for your prompt review,

V. Lazorenko
Principal, Lazorenko Insurance Partners
commissions@coworkrecon.test
Generated by Cowork Recon · 2026-06-08 · Audit fingerprint: sha256:937621f5791b

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