Is anyone actually managing your Google Ads?

You need a login to your own Google Ads account. If only your agency has one, ask them to add you (Admin, then Access and security). Read-only access is enough. An account you pay for but can't see is the first finding.

Step 1, in Google Ads (about ten minutes). Set the date range (top right) to the last 90 days.

1. Who changes what. Open Change history: it's in the Campaigns menu, or type "change history" into the search bar at the top. Google keeps two years of it. Note:
a) the date of the most recent change made by a person (the User column shows their email address);
b) roughly how many changes people made in the last 90 days, and what kind: budget, bids, keywords, ads, negative keywords;
c) any changes Google made itself (applied recommendations show in the User column too), and what they were.
2. What searches your money goes on. Open Insights and reports, then Search terms (or search "search terms"). Sort by Cost and copy the top 30 with their clicks, cost and conversions. If your campaigns are Performance Max, this report may show little: note that too.