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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 $1,250,000 AND $2,500,000

EXECUTIVE

PERSPECTIVES

PROFILE

REVENUES/

EXPENSES

FINANCIAL

STABILITY

EMPLOYEE

OVERVIEW

PRODUCER

INFO

SERVICE

STAFF

INFO

TECHNOLOGY

INSURANCE

CARRIERS

APPENDIX

77

Average

+25%

Profit

+25%

Growth

Personal Lines

National

2.2

2.6

1.9

Regional

4.2

2.8

4.0

Commercial Lines

National

4.8

9.1

3.9

Regional

6.1

5.3

6.1

Average

+25%

Profit

+25%

Growth

Average Total GEB Carriers

11.2

7.1

13.0

Average Number by Product

GL&H

5.7

5.8

5.6

LTD

3.2

2.0

3.1

Dental

3.8

3.3

4.1

Retirement

3.1

1.7

2.8

Average

+25%

Profit

+25%

Growth

% of Net Revenue from Top Carrier

20.8% 17.6% 28.9%

% of Net Revenue from Top 3 Carriers

38.1% 36.7% 44.9%

"Good underwriting has really helped us in recent years. We have tried very hard

to protect our companies and place good business with them. This caution has

helped us dramatically, particularly with company relations and contingencies."