Built for Texas independent agencies
Agency Edge ROI calculator
How many saved, cross-sold or new accounts it takes for Agency Edge to pay for itself, and what it returns over three years.
Premium × commission rate = agency revenue. The producer split divides that revenue. A solo agency owner keeps 100%.
Illustration only. Everything runs in your browser; nothing you enter is sent or saved.
Your inputs
Sample inputs. Premiums, rates and account counts below are illustrative starting values. Replace them with your own book.
Commission per account, step by step
- Premium: $25,000Average workers' comp account premium you entered.
- × 10% carrier commission = $2,500This is agency revenue: premium × commission rate.
- × 50% producer split = $1,250 to the producerThe agency keeps $1,250 on new business. On renewal at 50%, the producer gets $1,250 and the agency keeps $1,250.
| Line | Premium | Rate | Agency revenue | Producer (new) | Producer (renewal) | Agency keeps (new) |
|---|---|---|---|---|---|---|
| Workers' comp | $25,000 | 10% | $2,500 | $1,250 | $1,250 | $1,250 |
| Commercial auto | $20,000 | 12% | $2,400 | $1,200 | $1,200 | $1,200 |
| General liability | $8,000 | 12% | $960 | $480 | $480 | $480 |
| Commercial property | $12,000 | 12% | $1,440 | $720 | $720 | $720 |
Many carrier schedules pay 2 to 3 points less on renewal than on new business; enter a blended rate if that applies to you.
Return on Agency Edge
Year 1 at the founding price ($99 a month, $1,188 a year), measured as commission kept by the agency.
Your 40 WC accounts carry about $100,000 a year in agency revenue; the Year 1 subscription equals 1.2% of that.
Three-year view
Accounts gained in earlier years renew at the renewal split and the keep rate you set. Cost is $99/mo in Year 1, then $229/mo.
| Year | Agency revenue added | Producer share | Agency share | Agency Edge cost | Net to the agency | ROI |
|---|---|---|---|---|---|---|
| Year 1 | $12,880 | $6,440 | $6,440 | $1,188 | $5,252 | 5.4× |
| Year 2 | $24,472 | $12,236 | $12,236 | $2,748 | $9,488 | 4.5× |
| Year 3 | $34,905 | $17,452 | $17,452 | $2,748 | $14,704 | 6.4× |
| 3-year total | $72,257 | $36,128 | $36,128 | $6,684 | $29,444 | 5.4× |
Saved accounts count as renewals; cross-sells (General liability) and new accounts count as new business in the year they land.
Illustrative example: $100,000 WC policy at 15%
| Illustrative example | Premium | Rate | Agency revenue | Producer keeps | Agency keeps | Covers Year 1 cost | Covers Year 2 cost |
|---|---|---|---|---|---|---|---|
| Solo agency owner, direct | $100,000 | 15% | $15,000 | n/a | $15,000 (all yours) | 12.6× | 5.5× |
| Producer, 50/50 split | $100,000 | 15% | $15,000 | $7,500 | $7,500 | 6.3× | 2.7× |
| Producer, 35/27 split (new / renewal) | $100,000 | 15% | $15,000 | $5,250 / $4,050 | $9,750 / $10,950 | 4.4× / 3.4× | 1.9× / 1.5× |
| Through a wholesaler at 11% | $100,000 | 11% | $11,000 | n/a | $11,000 (all yours) | 9.3× | 4.0× |
Illustrative example only. Premium × rate = agency revenue ($100,000 × 15% = $15,000); the split divides it ($7,500 / $7,500 at 50/50). Coverage multiples use the share kept by the producer where a split applies, against $1,188 (Year 1) and $2,748 (Year 2). The 15% rate sits above the 7% to 12% published WC range below; 11% is the midpoint of a 10% to 12% wholesaler estimate.
Published commission ranges
| Line | Texas 2025 aggregate | Published carrier schedule (new / renewal) | Agent-reported (new / renewal) | Other published range | Calculator default |
|---|---|---|---|---|---|
| Workers' comp | 9.6% | 9% to 10% / 7% to 8% | 8% to 11% / 6% to 9% | 7% to 12% | 10% |
| Commercial auto | 11.2% | 15% / 12% | not reported | 10% to 15% | 12% |
| General liability | 12.4% | 15% / 12.5% | 10% to 15% / 8% to 12% | 10% to 15% | 12% |
| Commercial property | 11% to 14.7% | 15% / 12.5% | not reported | 10% to 18% | 12% |
| Via wholesaler (retail share) | n/a | 15% standard, 10% to 12.5% surplus lines (one wholesale program) | n/a | 10% to 12.5% retail; wholesaler keeps 2.5% to 5% (secondary source) | 10% |
| Producer split, commercial P&C | n/a | n/a | n/a | 38% to 43% new / 28% to 32% renewal (Big I / Reagan 2025); 41% / 32% (OIA); 40% / 25% (older primer) | 50 / 50 |
Texas aggregate = commissions and brokerage ÷ direct premiums written, all carriers, calendar 2025 (TDI Statutory Page 14). It includes contingent commissions and wholesaler brokerage, so it is total distribution cost, not a retail base rate. Property is Fire 11.3%, Allied 11.0% and Commercial Multiple Peril non-liability 14.7%; Fire and Allied also include some personal-lines property. Wholesaler defaults use a 10% to 12% field estimate, which matches the published retail shares; no source gave wholesale rates line by line.
Sources and disclaimer
- TDI, Statutory Page 14, calendar year 2025 (Texas commissions and premiums by line) · tdi.texas.gov
- 2025 Level One Commercial Lines Base Commission Schedule (carrier source document) · thehartford.com
- Insurance Agent Commission Rates (2026): agent-reported benchmarks by line · insifter.com
- Intro to Commercial Insurance: new-business commission by line · coverforce.com
- Broker Resources: commission paid to retail brokers on wholesale placements · captiveresources.com
- Wholesale broker relationships: retail vs wholesaler share (secondary; cites a WSIA survey not independently verified) · brokerageaudit.com
- 2025 Best Practices Study producer splits by agency size (Reagan Consulting / Big I, as reposted) · linkedin.com
- Best Practices Study overview · reaganconsulting.com
- Big I Illinois 2025: agency compensation and producer commission structures (OIA data) · ilbigi.org
- Producer Compensation: A Primer (40% new / 25% renewal) · imms.com
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