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Analysis of Agencies with Revenues

Less Than $500,000

CARRIER REPRESENTATION

A. Number of Carriers Represented

Average

+25% Profit

+25% Growth

Personal Lines

National

2.0

2.6

2.4

Regional

3.5

3.4

3.0

Commercial Lines

National

2.1

1.6

3.4

Regional

3.2

2.2

3.4

Total Carriers

10.8

9.8

12.2

B. Commission Income as % of Net Revenue

Average

+25% Profit

+25% Growth

% of Net Rev from Top Carrier

36.3%

44.7%

38.2%

% of Net Rev from Top 3 Carriers

61.3%

71.2%

64.7%

C. Service Center Use

Total Pers'l Lines Commissions placed

in Carrier Service Center

*

*

*

Total Comm'l Lines Commissions placed

in Carrier Service Center

3.5%

*

*

* - Insufficient Data

Page 24

2003 Best Practices Study