The Carriers view

Overview

The Carriers tab on the Margin page is a league table of every carrier, TPA, and private client in your book, ranked by revenue. It answers one question: where is each payer helping or hurting your margin, and how fast do they pay?

This tab is the margin read only. It looks at the payer as a source of margin and days-to-pay across all their jobs. The full per-client profile, job history, supplement pushback, contacts, notes, lives on the Clients and carriers page. Click any row here and Verinode opens that client's profile there.

Where to find it

Open Margin from the sidebar, then select the Carriers tab. Nothing to set up, the table fills in from the job and payment records already flowing into your account.

How to read the table

Rows are sorted by Collected (revenue), highest first. Each row carries six columns:

• Carrier, the payer's name, with its job count and type beneath it (Carrier, TPA, or Private).
• Collected, total dollars this payer has actually paid you.
• Margin, this payer's margin, calculated from your estimated versus collected amounts on their jobs. Color-coded against your portfolio average.
• Days to pay, the average number of days from billing to payment across this payer's jobs. Also color-coded against your portfolio average.
• Bid approval, how much of your estimated amount this payer approves, across their jobs. Appears only once a payer has at least 5 jobs.
• Share, this payer's share of your total collected revenue, with a concentration label (Low, Moderate, or High Risk).

Margin and days-to-pay coloring

Margin turns green when a payer runs at least 3 points above your portfolio average and red when it runs at least 3 points below. Days to pay turns green when a payer pays at least 5 days faster than your average and red when at least 5 days slower. Anything inside those bands stays neutral, so only the payers that genuinely move the needle stand out.

A payer can look fine on margin and still tie up cash if it pays slowly. Both columns matter, which is why they sit side by side.

The concentration hero

Above the table, Verinode calls out your largest payer: what it pays you per year, what share of your total that is, and roughly what annual gross profit you'd lose at your portfolio average margin if that relationship ended tomorrow. This is a concentration-risk read, not a prediction, it's there to make the size of a single relationship concrete.

Bid approval and pricing headroom

If a payer approves 95% or more of your estimated amount across at least 5 jobs, Verinode flags it as pricing headroom, a carrier that approves everything is the strongest sign your bids may sit below what they'd accept. When one or more payers cross that line, a Pricing Headroom panel appears above the table naming them.

What this tab is not

This is not a per-client profitability workspace. It ranks payers by their contribution to your margin and their payment speed; it does not carry the full job list, supplement history, or adjuster detail for any one payer. For that, open the row, it takes you to the client's profile on the Clients and carriers page, and adjuster-level payment and approval behavior lives in Adjuster scorecards.

Empty states

If no payer breakdown has been built yet, the tab shows No Carrier Breakdown Yet and prompts you to add data. Send job records or a P&L and the table fills in with each payer's margin, days-to-pay, and concentration read.

Individual columns can also be quiet on their own: Days to pay shows a dash until jobs carry payment dates, and Bid approval stays empty for any payer with fewer than 5 jobs.

Data sources

Everything on this tab is built from your own data. Verinode is an independent data trust, your operator data is never sold to carriers.