2005 Best Practices Study

AGENCIES WITH REVENUES UNDER $500,000

B.

% of Revenues Derived from Largest Accounts

+25% Profit

+25% Growth

2005

Average

Largest Commission Account

4.4% 5.0% 3.4%

High

13.0%

PROFILE

Low

1.4%

10 Largest Commission Accounts

15.1% 13.4% 16.1%

High

37.6%

REVENUES/ EXPENSES

Low

2.7%

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

FINANCIAL STABILITY

% of Agencies Acquiring Avg. Total Commissions Acquired

% of Net Revenues

0%

$0

0%

EMPLOYEE OVERVIEW

D.

Net Revenue Growth

+25% Profit

+25% Growth

Average

PRODUCER INFO

Net Revenue Growth (Organic)

5.0% 2.4% 16.2%

Net Revenue Growth (Total)

5.0% 2.4% 16.2%

SERVICE STAFF INFO

Revenue Growth by Source (as % of Prior Year’s Total 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

4