F&I reinsurance is a material revenue line that never makes the dashboard. Sift is the first forensic audit platform that tells you what your administrators are actually charging, and whether your captive portfolios are generating returns.
Your administrators control the data, define the accounting, and set the fees. No one is checking their work on your behalf.
Net remit accounting means you see a single figure after all fees, reserves, and adjustments. The underlying components are never disclosed.
A 3-point benchmark variance on $10M in written premium is $300K annually. Across a 50-rooftop portfolio, the exposure is material.
If your captive portfolio is generating negative economic returns and your investment committee does not know it, that is a reportable condition. Sift surfaces it before a liquidity event does.
The platforms that could have built this are structurally prevented from doing so.
The platforms positioned to build this either share ownership with administrators or earn revenue serving both sides of the relationship. Building dealer-side audit tools would expose their own fee structures.
No administrator ownership. No administrator revenue. No dual representation. Sift is the only dealer-aligned, structurally independent forensic audit platform in this market.
Start with a single administrator agreement. No administrator cooperation required.
Upload one administrator agreement. Sift's Module 0 scans for disclosure deficiencies, auto-renewal provisions, data access gaps, and termination weaknesses.
Module 1 normalizes cession statements and trust reports across administrator formats, benchmarks fees against verified industry data, and produces a Report Card with specific dollar findings.
Module 2 provides continuous portfolio health monitoring with administrator scorecards, loss ratio tracking, and fee schedule benchmarking across all rooftops.
50+
Real dealer documents analyzed across GSFS, JM&A, Safe-Guard, Protective, and TFS formats
9+
Administrator format families normalized and benchmarked by Sift's AI
$40B+
Market operating with almost no transparency, until now
Upload one administrator agreement PDF. Receive a Module 0 contract scan with flagged disclosure deficiencies, auto-renewal provisions, and data access gaps.
No administrator cooperation required. No commitment. Findings delivered within 24 hours.
Get a Free Contract Scan