For MGAs, FMOs & Uplines

One platform for your
entire distribution network.

When you're managing multiple downline agencies, hundreds of agents, and commission flows across dozens of carriers, the infrastructure underneath has to be bulletproof. TBW gives your entire network a single source of truth, without giving up the autonomy each sub-agency needs to operate independently.

Every layer adds
exponential complexity.

Each sub-agency you add brings its own carriers, commission structures, agent arrangements, and onboarding requirements. Most platforms treat your entire network as one flat list. TBW mirrors the actual hierarchy, with full visibility at the top and full autonomy at every level below.

Full visibility at every level
See commissions, client counts, and agent activity across your entire network, from the FMO level down to individual agents inside each sub-agency.
Sub-agencies operate independently
Each downline agency manages their own book, their own agents, and their own commission structure, with their own branding, without seeing data they shouldn't.
Overrides flow correctly at every level
FMO overrides, MGA splits, agent tiers, all calculated automatically as commissions flow through the hierarchy. No manual tracking of who owes what to whom.
Your Distribution Network
Your FMO
Full visibility
Sub-Agency A
18 agents · $84k/mo
Sub-Agency B
24 agents · $112k/mo
Sub-Agency C
11 agents · $49k/mo
Sub-Agency D
31 agents · $140k/mo
Agent 1
Agent 2
Agent 3
+81
Total network commissions
$385k/mo

Everything a distribution
network actually needs.

From commission reconciliation to agent onboarding to hierarchy management, TBW handles the infrastructure so you can focus on growing your network.

Hierarchy Engine
Your org, exactly as it is, at any depth

Build your complete hierarchy, FMO, MGA, sub-agencies, downlines, individual agents, and configure exactly what each level can see and do. Overrides and splits cascade correctly through every level automatically.

Unlimited hierarchy depth, no platform limits
Role-based access at every level of the org
White-label branding per sub-agency
FMO-level visibility into all downline activity
Sub-agencies fully independent within your network
Network Overview, March 2026
Your FMO$385,240
Sub-Agency A$84,120
Sub-Agency B$112,840
Sub-Agency C$49,380
Sub-Agency D$138,900
Override & Split Engine
Commission flows that actually match your deals

FMO overrides, MGA splits, agent tiers, referral fees, every arrangement you've made with every downline, calculated correctly at every level without manual intervention.

Multi-level override calculations
Carrier-specific split rules per agency level
Full audit trail, every split fully traceable
Commission Reconciliation
Find the revenue you're leaving on the table

One of our largest agencies discovered over 500 missing clients across 35 agents from plans enrolled during open enrollment alone, revenue they weren't being paid on, totaling over $12,000/month in recovered commissions. TheBrokerWebsite flags every discrepancy automatically so nothing slips through your network.

Automated missing payment detection across all agencies
Network-wide carrier statement import and reconciliation
Discrepancy flagging before disputes ever happen
Analytics
See your whole network's performance

Production analytics, agent rankings, carrier performance, and commission trends, across your entire network or drilled down to any sub-agency or individual agent.

Network-wide and per-agency dashboards
Leaderboards by agency, team, and individual
Carrier and product performance analysis
Projection Engine
Next month's revenue across every agency

Forecast commission income at every level, your FMO total, each sub-agency, each carrier line. Know what's coming before any statement arrives.

Rolled-up projections at every hierarchy level
New business and terminations per agency
Carrier pay timing across your full network

A unique onboarding
experience for every agency.

At the FMO level, onboarding isn't a single process, it's a different process for every sub-agency in your network. We build each one a fully custom, screen-by-screen onboarding flow inside TBW that reflects their specific carriers, certification requirements, and steps.

Each sub-agency gets their own distinct flow
Built by us, customizable by each agency
FMO-level visibility into all agent onboarding progress
Agents live inside TBW, no extra tools or portals
Consistent experience across your entire downline network
Onboarding Across Your Network
Sub-Agency A, Mountain West
Custom Flow
James T. ✓
Maria K. →
Derek B. →
+ 2 more
Sub-Agency B, Texas South
Custom Flow
Sarah M. ✓
Luis R. →
+ 4 more
Sub-Agency C, Florida ACA
Custom Flow
Ashley W. →
+ 2 starting
Other Use Cases

Explore other agency types

One platform for your
entire network.

Enterprise and FMO pricing is custom, let's talk through your network size, hierarchy requirements, and what onboarding looks like for your downlines.