2003 Best Practices Study

T ABLE OF C ONTENTS

Introduction

Special Analysis of Agencies with Revenues Less than $2,500,000 Personal Lines Analysis

1 3 5

Regional Analysis

Population Density Analysis

Special Analysis of Agencies with Revenues Greater than $2,500,000 Personal Lines Analysis

6 8

Regional Analysis

10

Population Density Analysis

Analysis of Agencies with Revenues Less than $500,000 Agency Characteristics

11

Revenue Analysis Expense Analysis Profitability Productivity Financial Stability Carrier Representation Revenue Analysis Acquisition Activity Expense Analysis Profitability Productivity Financial Stability Carrier Representation Revenue Analysis Acquisition Activity Expense Analysis Profitability Productivity Financial Stability Carrier Representation

Analysis of Agencies with Revenues Between $500,000 and $1,250,000 Agency Characteristics

25

Analysis of Agencies with Revenues Between $1,250,000 and $2,500,000 Agency Characteristics

39