FP&A & Financial Modeling4 min readUpdated September 2026

Cube vs. Mosaic for Freight Margin and Fleet Cost Modeling

A freight or 3PL operation earns revenue per load or per mile, but its two biggest costs, driver pay and fuel, move independently of that revenue and often independently of each other. A model built around a single blended margin figure hides which lanes are actually profitable once you account for deadhead miles, fuel surcharge recovery, and owner-operator settlements.

Cube and Mosaic take different approaches to that problem: one keeps the per-load math in a spreadsheet you control, the other pushes you toward a dashboard someone else designed the calculations for. Neither one fixes a bad settlement process; they just make a good one faster to run.

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Why a blended margin number hides your real problem lanes

Two loads with the same revenue can have very different margins once you factor in deadhead miles to reposition the truck, fuel surcharge recovery on that specific lane, and whether the driver was a company employee or an owner-operator paid on a different settlement structure. Averaging all of that into one fleet-wide margin figure tells you the fleet is profitable while individual lanes quietly lose money.

The fix is a model that calculates margin at the load or lane level and rolls up from there, not a top-down blended number that gets adjusted after the fact. A lane that looks fine on the fleet average can be the one dragging every other lane's margin down once you break it out.

Cube when dispatch and settlement data live in a spreadsheet already

Many independent trucking operations and smaller 3PLs still build per-load profitability in Excel because dispatch and fuel card systems rarely export the exact margin view an owner wants. Cube's approach, syncing that existing spreadsheet against your dispatch, fuel, and payroll data, fits when the per-load logic is already correct and the pain point is manual data entry, not the math itself.

This is the stronger starting point if whoever owns the model today is confident in it and just wants the weekly settlement pull automated, rather than rebuilding the entire margin calculation inside a new tool.

Mosaic for a fleet that wants one dashboard across many drivers

Once a fleet grows past a size where one person can eyeball every settlement, a dashboard that surfaces margin by lane, driver, and truck without anyone rebuilding a pivot table each week becomes genuinely useful. Confirm during a demo that Mosaic can handle a driver-pay structure that mixes company drivers and owner-operators, since that split materially changes how cost per mile should be calculated, and a generic template can flatten a distinction that matters to your margin.

Building a fuel and driver-pay sensitivity into the forecast

Fuel and driver pay are the two variables most likely to move your margin more than a change in freight rates will, so build the forecast with both as adjustable drivers rather than fixed shares of revenue. A common mistake is forecasting next quarter's margin off this quarter's fuel price without stress-testing what happens if diesel prices move meaningfully in either direction, since that swing hits every loaded and deadhead mile in the fleet at once.

Run the forecast at a baseline, a higher-fuel-cost case, and a lower-fuel-cost case so a rate swing doesn't blow up your cash plan without warning. A fleet that only ever models the baseline case tends to be the one caught off guard when fuel moves fast.

Where Jirav's driver-based model fits a growing fleet

Jirav is worth considering when you're modeling growth in truck count and driver headcount together, since adding a truck without a driver lined up, or the reverse, is a common way fleets overspend on equipment relative to what they can actually run. A driver-based forecast that ties truck purchases, driver hiring, and maintenance reserve to the same growth assumption keeps those three from drifting apart.

Maintenance reserve is the line most models forget

A truck's maintenance cost isn't flat across its life; it climbs as mileage accumulates, and a fleet growing its average truck age will see maintenance eat into margin even if every other input stays the same. Build a per-truck maintenance reserve into the forecast tied to mileage or age bands rather than a flat per-truck average, so an aging fleet's rising cost shows up in the plan before it shows up as a surprise repair bill.

A fleet that replaces trucks on a fixed schedule regardless of actual condition avoids some of this risk but pays for it in higher fixed equipment cost; one that runs trucks longer needs the maintenance reserve to be more precise, since the range of outcomes on an older truck is wider than on a newer one.

What to check before switching your margin model to a new tool

Before committing to either platform, export a month of settlements and dispatch data and see how cleanly it maps into the tool's expected format; a mismatch here is the most common reason a fleet's first month on a new system produces numbers nobody trusts. Ask specifically how the tool treats a driver who ran under two different pay structures within the same month, since that's a real scenario for a fleet transitioning drivers between company and owner-operator status.

Test these points before moving your margin model:

  • Export a month of settlements and dispatch data and see how cleanly it maps into the format the tool expects.
  • Ask how the tool treats a driver who ran under two different pay structures within the same month.
  • Confirm it can handle a mix of company drivers and owner-operators, since that split materially changes cost per mile.
  • Verify that deadhead miles and fuel surcharge recovery can be calculated lane by lane instead of blended across the whole fleet.
  • Make sure fuel price and driver pay can each be adjusted as separate drivers in the forecast.
Executive Capability Standard

What Good Looks Like

A well-run fleet can tell you, by lane and by truck, which loads cleared a real margin last week after fuel and driver settlement, not just what the fleet-wide average looked like.

Building The Capability (5-Stage Skill Ladder)

1. Learn:Learn how your current dispatch and settlement data flows into a margin calculation, and sit with whoever builds that spreadsheet today to see where the manual pull happens.
2. Do Manually:Build a weekly per-load margin template pulling revenue, deadhead miles, fuel, and driver settlement into one row per load, updated by hand from dispatch reports.
3. Delegate:Assign a dispatcher or office manager to own the weekly settlement pull and flag any lane whose margin has drifted from its usual range.
4. Automate:Sync dispatch, fuel card, and payroll data into Cube or Mosaic so per-load margin updates without a manual weekly export and merge.
5. Buy:Standardize on one platform that ties dispatch, settlement, and financial forecasting together so growth in trucks and drivers gets planned against the same numbers.

How to Get Started

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Frequently Asked Questions

Should deadhead miles be included in the margin calculation for a load?

Yes. A load that looks profitable on paid miles alone can be a loser once you add the empty miles it takes to reposition for the next load. Build deadhead into the per-load cost, not as a separate fleet-wide overhead line, so lane-level margin reflects reality.

How should owner-operator settlements be modeled differently from company drivers?

Owner-operators are typically paid a share of the load or a per-mile rate that already covers their own fuel and maintenance, while a company driver's pay is a separate line from the fleet's fuel and maintenance costs. Mixing the two into one cost-per-mile figure understates true cost for one group and overstates it for the other.

Can Cube or Mosaic pull data directly from dispatch and fuel card systems?

Both are built to sync with outside data sources rather than replace them, but exactly which dispatch, fuel card, or payroll systems connect cleanly varies. Confirm your specific systems are supported in a demo before assuming the integration will be as automatic as either vendor's marketing suggests.

About the numbers

This guide doesn't quote a sourced benchmark. Figures in it are estimates or general guidance, so check them against your own numbers.

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