2005 Best Practices Study

AGENCIES WITH REVENUES OVER $25,000,000

B.

% of Revenues Derived from Largest Accounts

+25% Profit

+25% Growth

2005

Average

Largest Commission Account

1.9% 2.4% 1.6%

High

4.9%

PROFILE

Low

1.2%

10 Largest Commission Accounts

9.5% 8.7% 8.1%

High

26.5%

REVENUES/ EXPENSES

Low

4.6%

C. Revenues Derived from Acquisitions Made in the Last 12 Months

FINANCIAL STABILITY

% of Agencies Acquiring Avg. Total Commissions Acquired

% of Net Revenues

26.7%

$747,969

1.6%

EMPLOYEE OVERVIEW

D.

Net Revenue Growth

+25% Profit

+25% Growth

Average

PRODUCER INFO

Net Revenue Growth (Organic)

8.2% 7.2% 15.4%

Net Revenue Growth (Total)

8.6% 7.9% 16.1%

SERVICE STAFF INFO

Revenue Growth by Source (as % of Prior Year’s Net Revenues)

Average

+25% Profit

30%

+25% Growth

TECHNOLOGY

20%

10%

0%

INSURANCE CARRIERS

% Total Revenue -10%

-20%

-30%

Commercial P&C

Personal P&C

Group L&H

P&C Service Fees

Individual L&H

Total Commissions & Fees

100