Book value & retention
Two questions every agency owner eventually asks: what’s my book worth, and how well does it hold up. CommissionSight answers both from the statements you’ve already loaded. Open it from the account menu (top-right) → Book value.
Book value
Unlike Medicare (paid once a year on an anniversary — see Medicare lifecycle), ACA / major-medical commission is a per-member-per-month stream. So your book’s annual recurring income is simply each active member’s monthly run-rate × 12 — read from what the carrier actually pays, so there’s nothing to configure.
- Annual recurring — the run-rate × 12, if the book is fully retained. This is the number agencies buy and sell a book on.
- Attrition-adjusted — the same figure, decayed by your book’s observed month-over-month churn, so it’s honest about the fact that some members will leave.
- Monthly run-rate and average per member, plus a by-state breakdown of where the recurring value sits.
Recurring value is built only from members the carrier actually paid this period — a $0 or clawback month isn’t recurring income. Point it at a complete period; a partial statement understates the book.
Retention by enrollment class
Below the value cards, CommissionSight groups members by the year they enrolled (the “2024 class”, “2025 class”) and shows how each class holds up:
- Overall retention — the share of members with a known enrollment year who are still active.
- OEP bleed — of everyone who lapsed, how many dropped in the Open Enrollment Period window (January–March). A high OEP bleed means your churn is concentrated in that annual window — the place to focus retention outreach.
- A per-class table: size, how many are retained, the retention rate (green when strong, red when weak), and how many of that class’s lapses fell in the OEP window.
This is the same read whether the carrier is ACA (OEP) or Medicare (AEP/OEP) — pick the carrier and the as-of period at the top of the page.