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INSURANCE CARRIERS

A.

Number of P&C Carriers Represented

B.

Number of Group Employee Benefits Carriers Represented

C.

Commission Income Derived from Top Carriers

AGENCIES WITH REVENUES BETWEEN $5,000,000 AND $10,000,000

EXECUTIVE

PERSPECTIVES

PROFILE

REVENUES/

EXPENSES

FINANCIAL

STABILITY

EMPLOYEE

OVERVIEW

PRODUCER

INFO

SERVICE

STAFF

INFO

TECHNOLOGY

INSURANCE

CARRIERS

APPENDIX

125

Average

+25%

Profit

+25%

Growth

Personal Lines

National

7.5

7.5

7.4

Regional

4.7

3.9

5.0

Commercial Lines

National

23.9

20.3

16.3

Regional

9.4

8.3

6.0

Average

+25%

Profit

+25%

Growth

Average Total GEB Carriers

27.2

22.3

19.9

Average Number by Product

GL&H

12.7

10.0

7.0

LTD

6.9

7.2

5.3

Dental

7.8

8.7

5.9

Retirement

4.2

5.8

3.3

Average

+25%

Profit

+25%

Growth

% of Net Revenue from Top Carrier

16.1% 18.0% 13.4%

% of Net Revenue from Top 3 Carriers

32.8% 34.8% 27.9%

"We have invested heavily over the years in developing very close relation-

ships with our most important carriers. We work hard to understand them

and their expectations and we bust our tails to make sure they get what

they need from us. In doing so, we find that they are generally willing to go

the extra mile with us to get business on the books."