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Analysis of Agencies with Revenues

Between $500,000 and $1,250,000

CARRIER REPRESENTATION

A. Number of Carriers Represented

Average

+25% Profit

+25% Growth

Personal Lines

National

2.7

2.7

3.8

Regional

3.3

3.3

4.2

Commercial Lines

National

3.4

3.3

5.5

Regional

3.9

3.5

5.0

Total Carriers

13.2

12.8

18.5

B. Commission Income as % of Net Revenue

Average

+25% Profit

+25% Growth

% of Net Rev from Top Carrier

29.7%

27.8%

20.4%

% of Net Rev from Top 3 Carriers

50.9%

46.5%

44.2%

C. Service Center Use

Total Pers'l Lines Commissions placed

in Carrier Service Center

*

*

*

Total Comm'l Lines Commissions placed

in Carrier Service Center

12.0%

*

*

* - Insufficient Data

Page 38

2003 Best Practices Study