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What's your aggregator really costing you?

See the full bill: commission split, fees, and what you'd keep going direct. Numbers, not vibes.

Your Book

Annual Written Premium

Renewal Rate · %

Primary Line

Cost Structure

Agg Commission · %

Direct Commission · %

Annual Fees · membership, tech, E&O

Premium Dollar Breakdown

—

—

—

You keep Aggregator override Fees Carrier retains

Ledger

Your commission (aggregator)—

Annual fees paid—

Net income (aggregator)—

Commission if direct—

Annual difference—

5-year difference—

Takeaway

Caveats

Direct appointments typically come with production minimums (often $25K–$100K annual premium per carrier) and longer underwriting processes. This calculator isolates raw commission math — it doesn't price the value of carrier access, training, or E&O that your aggregator bundles. Use this as a starting point for the economics conversation, not the only input.