2002 Best Practices Study

T ABLE OF C ONTENTS

1

Introduction

Special Analysis of Agencies with Revenues Less than $1,250,000 Personal Lines Analysis

3 5 7

Regional Analysis

Population Density Analysis

Special Analysis of Agencies with Revenues Greater than $1,250,000 Personal Lines Analysis

8

10 12

Regional Analysis

Population Density Analysis

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

13 14 16 17 18 25 26 27 28 29 31 32 33 40 41 43 44 45 47 48 49 56 57

Revenue Analysis Expense Analysis

Profitability Productivity

Financial Stability Carrier Representation

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

Revenue Analysis Acquisition Activity Expense Analysis

Profitability Productivity

Financial Stability Carrier Representation

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

Revenue Analysis Acquisition Activity Expense Analysis

Profitability Productivity

Financial Stability Carrier Representation