FMO Distribution Management & Commission Software

Modern distribution management for FMOs

FMOs have been held back by fragmented systems, manual processes, and rising agent expectations. e123 transforms your distribution operations by streamlining contracting, commissions, and downline management allowing you to scale quickly.

Challenges FMOs face

FMOs face operational, compliance, and growth constraints from relying on disconnected and outdated systems.

Commission accuracy & transparency

Legacy tools and spreadsheets cause delays, carrier reconciliation errors, disputes, and agent frustration. FMOs risk overpayments, lost trust, and preventable churn.

Critical data visibility

Blind spots block growth and make it impossible to see performance across agents, contracts, and products.

Unrealized growth

Complex and slow onboarding of downlines lead to disengaged producers and missed opportunities.

The e123 solution for FMOs

We give distributors the technology and tools to manage and scale downlines quickly and efficiently.

Commission management

Manage FMO commissions accurately and in real-time to empower growth.

NeuroNet™ hierarchy engine

Accurately model even the most complex commission structures and downlines — ensuring transparency, precision, and faster payouts.

Data and insights

Unlock visibility into your book of business across downlines and agents.

Purpose-built for health insurance

Unlike other tools, e123 is the only solution designed to address health insurance complexities.

Why FMOs choose e123

For decades, e123 has been powering sales distribution for health plans, carriers, and field marketing organizations (FMOs). From large FMOs to brokers, we help you power your distribution and accelerate performance.