Getting started

About Spark

AEP 2026

Onboard to our platform

La Plataforma en Español

Spark Support Teams

The Spark platform

Platform Features

Quote & Enroll

Marketing

Client Services

Client Retention

Record Your Calls

Platform Changelog

Back office

Finance & Commissions

Contracting

Compliance

Carrier Resources

Contacts & Events

Plans & Insights

Additional Materials

Training

Agent Training

Live trainings

Understanding Your Overrides Calendar

Managing commissions can be complex—but with Spark’s new Overrides Calendar, understanding where your payments stand has never been easier. Whether you're an Agency Principal or an agent who receives direct street commissions from Spark, this tool offers a clear view into your compensation, payment timing, and audit status—all in one place.

What Is the Overrides Calendar?

The Overrides Calendar is a new feature within the Spark platform designed to give Agency Principals visibility into their commission payments. It replaces the previous Softr tool with a more integrated and user-friendly experience, embedded directly within Spark.

This feature is available for Agency Principals. Before this upgrade, Agency Principals spent valuable time manually auditing commission statements and following up on missing or delayed payments. Spark built the Overrides Calendar to:

• Minimize audit time by instantly identifying which carriers have received commission payments and which have not.
• Increase transparency around Spark’s auditing process and recovery efforts

Finding the Overrides Calendar

On the left hand menu, click Finances and select Overrides:

Commission Types Displayed

The calendar includes several types of commission payments Spark processes:

• Overrides: Payments above base/street rates, typically paid to Agency Principals
• Street: Base-level commissions paid directly to eligible agents
• True-Up: Adjustments to previously paid commissions
• HRA: Health Reimbursement Arrangement commissions

This information gives users a full picture of all commissions Spark pays out.

Understanding Payment and Audit Statuses

To make the calendar easier to understand, Spark highlights two key status indicators: Payment Status and Audit Status.

Payment Statuses

• Paid: Spark has received payment from the carrier, has audited payment amounts, and processed commissions.
• Pending: Payment is being processed and expected to be paid by the end of the month.
• Not Paid: Escalated to the carrier due to inconsistent payment amounts.
• No Overrides : No overrides earned during that period.

Audit Statuses

• Passed: Audit completed successfully; amount matched what was expected.
• Pending: Audit in progress; payment processing not yet completed.
• Escalated to Carrier: Issues found during audit; Spark has contacted the carrier for resolution.
• No Audit: Street commissions are passed through without audit.

Tooltips and table filters will help clarify these statuses directly in the platform.

Using the Calendar

You can filter the Overrides Calendar by:

• Month
• Carrier
• Product Type (Override, Street, True-Up, HRA)
• Payment Status
• Audit Status

Each row includes a link to view or download detailed statements, so you can keep records or investigate specific payments further.

Delayed Payments

Our audit checks whether the override amount received matches what we expected, assuming the member stayed enrolled. It doesn’t currently validate against actual enrollment periods. While a passed audit means we didn’t flag any issues, we still recommend reviewing your statements for accuracy.

Some common reasons why a payment would be delayed include:

• Payment amounts received by carriers are incorrect
• Carrier delays (payments are late)

When issues arise, Spark escalates them to the carrier for resolution. If you notice any discrepancies, please contact our team at support@sparkadvisors.com.

• Understanding Your Overrides Calendar
• What Is the Overrides Calendar?
• Finding the Overrides Calendar
• Commission Types Displayed
• Understanding Payment and Audit Statuses
• Payment Statuses
• Audit Statuses
• Using the Calendar
• Delayed Payments