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Analysis of Agencies with Revenues

Between $1,250,000 and $2,500,000

CARRIER REPRESENTATION

A. Number of Carriers Represented

Average

+25% Profit

+25% Growth

Personal Lines

National

2.8

2.1

2.4

Regional

4.5

4.0

5.0

Commercial Lines

National

5.8

8.6

10.1

Regional

7.8

5.9

12.6

Total Carriers

20.8

20.6

30.1

B. Commission Income as % of Net Revenue

Average

+25% Profit

+25% Growth

% of Net Rev from Top Carrier

23.1%

20.9%

21.5%

% of Net Rev from Top 3 Carriers

42.2%

42.8%

38.9%

C. Service Center Use

Total Pers'l Lines Commissions placed

in Carrier Service Center

*

*

*

Total Comm'l Lines Commissions placed

in Carrier Service Center

1.5%

*

*

* - Insufficient Data

Page 53

2003 Best Practices Study