Studio 1 — Active Accounts Deep Dive

Section 1 — Overview KPIs

Active Accounts (Active) — Your Team Can Work These

Active Accounts

4,639

3,148 unique customers

Active Outstanding

$999,010.30

Active accounts only

1st Miss

1,912

$407,717.43

2nd Miss

1,471

$310,988.29

3rd+ Miss

1,057

$220,778.68

Avg Outstanding

$215.35

Per active invoice

Collections Accounts

43,478

10,986 unique customers

Collections Outstanding

$8,809,186.29

4+ missed payments (zombie)

Monterey Eligible (120+ Days)

7,724

$7,260,019.31 — customers with no payment for 120+ days

Total (All)

48,117

$9,808,196.59 combined

Section 2 — Risk Tiers (Active Accounts Only)

Only active accounts (miss 1-3) are shown here. Zombie accounts (miss 4+) are excluded.

GREEN — 1st Miss

$467,243.33

2111 invoices — friendly reminder via GHL

YELLOW — 2nd Miss

$310,988.29

1471 invoices — urgent follow-up needed

RED — 3rd+ Miss (ESCALATE)

$220,778.68

1057 invoices — escalate to debt collection team

Breakdown by Miss Number (Active)

Tier	Miss #	Count	Outstanding $	Avg $	% of Active $
N/A	No R-#	199	$59,525.90	$299.13	6.0%
GREEN	1st	1,912	$407,717.43	$213.24	40.8%
YELLOW	2nd	1,471	$310,988.29	$211.41	31.1%
RED	3rd	1,057	$220,778.68	$208.87	22.1%

Miss #	Count	Outstanding $	Avg $
5th Miss	4,870	$1,022,333.44	$209.92
6th Miss	4,057	$829,911.89	$204.56
7th Miss	3,263	$664,122.17	$203.53
8+ Miss	12,690	$2,329,088.56	$183.54

Section 3 — Miss Number Distribution (Active: Active)

Count by Miss Number

Outstanding $ by Miss Number

Miss #	Count	Outstanding $	Avg $	% of Active Failures
1st Miss	1,912	$407,717.43	$213.24	43.1%
2nd Miss	1,471	$310,988.29	$211.41	33.1%
3rd Miss	1,057	$220,778.68	$208.87	23.8%

43.1%

of active failures are first-time (1st miss) — likely card issues, insufficient funds, or expired cards. Easiest to recover.

Count: 1,912 | Outstanding: $407,717.43

33.1%

are 2nd miss — customer ignored the first reminder. Needs more urgent follow-up.

Count: 1,471 | Outstanding: $310,988.29

23.8%

are 3rd+ miss — these need escalation to the debt collection team.

Count: 1,057 | Outstanding: $220,778.68

Section 4 — Time Since Last Payment

How long has it been since each active customer's last successful payment? Grouped by the earliest unpaid invoice due date per customer.

Customers Analyzed

14,134

With unpaid invoices that have due dates

Monterey Eligible (120+ Days)

7,724

$7,260,019.31 outstanding

Recent (0-30 Days)

4,385

$1,076,290.58 — highest recovery chance

At Risk (61-120 Days)

1,384

$1,106,132.12

Customers by Time Since Last Payment

Outstanding $ by Time Since Last Payment

Time Bucket	Customers	Outstanding $	Avg $ per Customer	% of Total Customers
0-30 days	4,385	$1,076,290.58	$245.45	31.0%
31-60 days	641	$365,754.58	$570.60	4.5%
61-90 days	630	$460,917.90	$731.62	4.5%
91-120 days	754	$645,214.22	$855.72	5.3%
120+ days (Monterey) MONTEREY	7,724	$7,260,019.31	$939.93	54.6%

Section 5 — Aging Analysis

How long have these invoices been overdue? Grouped by days past due date. Includes all active invoices.

Aging Bucket	Count	Outstanding $	Avg $	% of Total $
Current (not yet due)	9,213	$1,839,883.05	$199.71	18.8%
0-30 days overdue	5,179	$1,046,750.01	$202.11	10.7%
31-60 days overdue	4,231	$851,535.49	$201.26	8.7%
61-90 days overdue	3,834	$776,474.60	$202.52	7.9%
91-180 days overdue	10,673	$2,173,066.59	$203.60	22.2%
180+ days overdue	14,987	$3,120,486.85	$208.21	31.8%

Miss # (Active)	Count	Outstanding $	Avg $
1st Miss	436	$82,973.16	$190.31
2nd Miss	398	$81,834.34	$205.61
3rd Miss	384	$77,017.41	$200.57
4th Miss	303	$60,677.53	$200.26

Section 7 — Amount Analysis (Active Only)

Outstanding Amount Distribution

Average Outstanding by Miss Level

Amount Buckets

Range	Count	Outstanding $	Avg $	% of Active
$0-50	195	$6,203.81	$31.81	4.2%
$50-100	692	$50,310.68	$72.70	14.9%
$100-200	1,124	$159,847.59	$142.21	24.2%
$200-500	2,565	$693,446.66	$270.35	55.3%
$500-1000	34	$23,110.22	$679.71	0.7%
$1000+	29	$66,091.34	$2,279.01	0.6%

Due Date Day-of-Week Pattern

Section 8 — Payment Success Rate by Price Bracket

Uses ALL invoices (paid + unpaid) to show how payment success correlates with invoice amount. The $75-100 bracket is highlighted — this is where the proposed $99/month virtual model would sit.

Price Bracket	Total Invoices	Paid	Unpaid/Overdue	Success Rate	Total $
$0-25	524	227	265	46.1%	$9,290.34
$25-50	3,292	1,493	1,598	48.3%	$119,628.76
$50-75	6,941	2,992	3,439	46.5%	$404,017.49
$75-100 ($99 MODEL)	7,268	3,225	3,546	47.6%	$620,707.97
$100-125	7,900	3,466	3,838	47.5%	$848,752.58
$125-150	7,066	2,983	3,619	45.2%	$954,944.46
$150-175	5,672	2,533	2,633	49.0%	$905,298.26
$175-200	7,152	3,527	3,101	53.2%	$1,337,238.81
$200-250	19,262	8,614	9,319	48.0%	$4,317,466.80
$250-300	23,718	9,970	12,131	45.1%	$6,389,866.63
$300+	9,405	4,042	4,628	46.6%	$3,981,042.62

Section 9 — Top 50 Active Debtors (Active Only)

Customers with the highest total outstanding balance across active invoices. Zombie accounts (miss 4+) are excluded.

#	Ref ID	Customer	City	Total Owed	Invoices	Worst Miss #	Risk
1	B2925699	Nirmala Narine	New York	$10,725.00	3	3rd	RED
2	M2915935	Zali Anderson	Florida	$8,850.00	3	3rd	RED
3	N3748366	Holly Orme	Nashville	$7,000.00	2	2nd	YELLOW
4	C2857404	Tyler S. Thomas	Chicago	$4,000.00	2	2nd	YELLOW
5	M2861954	Alejandra Perez	Florida	$3,570.00	5	3rd	RED
6	C2804583	Brenda Mungu	Chicago	$3,362.45	4	2nd	YELLOW
7	D2521773	Alana Matlock	Texas	$3,000.00	1	3rd	RED
8	P2804972	Khalil Grantham	New York	$2,975.00	1	1st	GREEN
9	N3748843	Afton Latimer	Nashville	$2,950.00	1	1st	GREEN
10	M2946119	Christopher Bazile	Florida	$2,805.00	2	2nd	YELLOW
11	P2828772	Rebecca Wiltshire	New York	$2,763.00	4	2nd	YELLOW
12	M2854222	Joel Casado	Florida	$2,200.00	2	1st	GREEN
13	P2626705	Katrina Bolden	New York	$2,000.00	1	-	GREEN
14	M2213166	Kip Mayhem Smith	Florida	$1,968.00	2	3rd	RED
15	D2521975	Isabella Grace Van Dyke	Texas	$1,837.50	1	-	GREEN
16	H2735102	Diana Cornielle	Texas	$1,600.00	5	3rd	RED
17	T2136178	KALAYA RILEY	Boston	$1,592.50	2	-	GREEN
18	P2627996	Logan D’Acosta	New York	$1,575.00	2	3rd	RED
19	B2908058	Davisha Blagrove	New York	$1,543.75	2	3rd	RED
20	T2937536	Sofia Lugo	Boston	$1,500.00	1	2nd	YELLOW
21	N2625567	Jessica Sheehan	Nashville	$1,475.04	6	1st	GREEN
22	N2738301	Samuel Lombardo	Nashville	$1,433.32	7	3rd	RED
23	M2438839	Drew Canaday	Florida	$1,374.00	6	3rd	RED
24	T2622637	Malyk Daley-pinkard	Boston	$1,350.00	3	3rd	RED
25	N2452070	Tiffany McDonald	Nashville	$1,325.00	5	3rd	RED
26	H2818000	Ernesto JavierTerroba	Texas	$1,280.00	4	3rd	RED
27	H2452214	Caden Wilson	Texas	$1,280.00	1	-	GREEN
28	D2908572	Jesika Land	Texas	$1,262.49	6	3rd	RED
29	T2939899	Nicholas Souza	Boston	$1,246.00	2	2nd	YELLOW
30	T2165538	Fatmata Diallo	Boston	$1,200.00	3	3rd	RED
31	-	Elías Gonzalez	New York	$1,200.00	1	-	GREEN
32	M2912995	Martha Simeon	Florida	$1,200.00	3	3rd	RED
33	N2925732	Emmelee Cox	Nashville	$1,200.00	3	3rd	RED
34	C2911276	Penny Jane Sanchez	Chicago	$1,191.67	2	3rd	RED
35	M2913327	James Bryant	Florida	$1,183.32	4	3rd	RED
36	N2910770	Joshua Michael Alexander	Nashville	$1,183.32	4	3rd	RED
37	H2598728	Alejandra Cabanillas	Texas	$1,180.00	4	3rd	RED
38	M2943694	Meg Hanniban	Florida	$1,180.00	2	2nd	YELLOW
39	H2856667	Katie Cable	Texas	$1,164.58	2	3rd	RED
40	D2729141	Chandler Thomas	Texas	$1,150.00	4	3rd	RED
41	D2625909	Zayden Jenkins	Texas	$1,116.66	2	3rd	RED
42	M2912840	Paul Bryant	Florida	$1,095.00	3	3rd	RED
43	H2910497	Tara Buffett	Texas	$1,080.00	3	3rd	RED
44	P2909241	Valerie Schiereck	New York	$1,072.50	3	3rd	RED
45	P2903946	Melissa Fierro	New York	$1,065.00	3	3rd	RED
46	B2594964	Tasonia Ragin	New York	$1,060.00	4	2nd	YELLOW
47	N2448778	Shunika Rooks	Nashville	$1,060.00	4	3rd	RED
48	H2832310	Emma Goodwin	Texas	$1,055.00	1	2nd	YELLOW
49	P2910423	Ishamil Hamisu	New York	$1,050.00	3	3rd	RED
50	B2840648	Antonella Reyes Gonzalez	New York	$1,050.00	4	2nd	YELLOW

Section 10 — Monthly Trends (Active Failures by Due Date)

When did these currently-active failures (active) originate? Grouped by invoice due date month.

Month	Total Active	1st Miss	2nd Miss	3rd+ Miss	Outstanding $
Jul 2024	3	1	2	0	$602.50
Aug 2024	15	10	4	1	$2,431.25
Sep 2024	20	4	9	5	$4,677.77
Oct 2024	37	14	11	10	$8,974.80
Nov 2024	33	14	9	8	$7,480.05
Dec 2024	29	8	10	8	$5,709.14
Jan 2025	17	6	4	5	$4,257.96
Feb 2025	24	12	8	4	$4,739.83
Mar 2025	27	8	11	8	$5,503.24
Apr 2025	31	14	9	7	$5,521.70
May 2025	29	15	7	7	$5,597.17
Jun 2025	28	10	12	5	$6,022.33
Jul 2025	79	38	17	18	$20,137.85
Aug 2025	124	56	38	23	$31,176.61
Sep 2025	124	40	46	35	$31,496.52
Oct 2025	92	38	21	27	$21,711.83
Nov 2025	67	32	21	13	$13,036.80
Dec 2025	74	27	30	12	$16,720.20
Jan 2026	270	212	24	16	$64,197.76
Feb 2026	590	285	235	12	$132,132.05
Mar 2026	1,920	706	622	524	$407,844.33
Apr 2026	984	353	318	304	$194,733.15
May 2026	14	6	3	3	$2,553.36
Jun 2026	3	1	0	1	$689.58
Jul 2026	1	0	0	0	$245.84
Aug 2026	2	1	0	0	$491.68
Sep 2026	1	0	0	1	$100.00
Oct 2026	1	1	0	0	$225.00

Section 11 — 12-Month Active Account Trend

Shows how the unpaid invoice count has evolved month by month. Tracks invoices by their due date — "still unpaid" means invoices due that month that remain unpaid today.

Month	Total Due	Paid	Still Unpaid	Success Rate	Cumulative Unpaid	Unpaid Customers	Unpaid Amount
Nov 2025	7,989	3,747	3,426	52.2%	24,433	3,353	$692,929.98
Dec 2025	8,120	3,715	3,896	48.8%	28,329	3,781	$786,731.79
Jan 2026	8,649	3,765	4,289	46.7%	32,618	4,143	$867,338.31
Feb 2026	9,038	3,793	4,584	45.3%	37,202	4,457	$931,487.69
Mar 2026	9,206	1,333	7,664	14.8%	44,866	7,529	$1,537,919.78
Apr 2026	3,204	1	3,202	0.0%	48,068	3,196	$627,422.74
May 2026	35	0	35	0.0%	48,103	35	$6,973.77
Jun 2026	8	0	8	0.0%	48,111	8	$1,878.32
Jul 2026	1	0	1	0.0%	48,112	1	$245.84
Aug 2026	2	0	2	0.0%	48,114	1	$491.68
Sep 2026	1	0	1	0.0%	48,115	1	$100.00
Oct 2026	1	0	1	0.0%	48,116	1	$225.00
Nov 2026	1	0	1	0.0%	48,117	1	$130.00

Section 12 — Recommendations

Zombie Accounts (4+ Missed Payments)

43,478 invoices ($8,809,186.29) from 10986 customers have missed 4 or more payments. These are separated from active accounts in this report.

Monterey Eligible: 120+ Days Since Last Payment

7724 customers ($7,260,019.31) have not made a payment in over 120 days. These should be reviewed for Monterey referral if not already there.

Large Chronic Non-Payer Balance (Active)

$220,778.68 is tied up in 3rd+ miss invoices (1057 active invoices). These are these need urgent follow-up — escalate to collections team immediately.

Aged Debt Over 180 Days

14987 invoices ($3,120,486.85) are more than 180 days overdue. Consider write-off review or Monterey referral.

Significant 90-180 Day Overdue Balance

10673 invoices ($2,173,066.59) are 91-180 days overdue. These are at high risk of becoming uncollectable.

Recurring Series with Chronic Failures

6699 recurring payment series have 4+ missed payments with multiple outstanding invoices. These customers likely need payment plan restructuring or Monterey referral.

Active Failures Trending Down

Active failure volume has decreased from 2 to 1 over the last 3 months. Collections efforts are making progress.

Texas Has Disproportionate Active Failures

Texas has 1236 active failing accounts ($262,799.47), significantly above the 773 average per city.

High Active Outstanding Balance

$999,010.30 across 4639 active invoices (active) is currently outstanding. Prioritize the 1057 RED tier invoices ($220,778.68) for immediate follow-up.

$99 Virtual Model Pricing Insight

The $75-100 price bracket (where the proposed $99/month model would sit) has a 47.6% payment success rate across 7,268 invoices. Lower success rate at this bracket — carefully evaluate whether the $99 price point will have acceptable collection rates.