Analysis of Agencies with Revenues Between $5,000,000 and $10,000,000 80 Agency Characteristics 80 Revenues 81 Expenses 84 Profitability 85 Productivity 87 Financial Stability 95 Carrier Representation 95 Analysis of Agencies with Revenues Greater than $10,000,000 96 Agency Characteristics 96 Revenues 97 Expenses 100 Profitability 101 Productivity 103 Financial Stability 111 Carrier Representation 111 Glossary 112