Among the networks agents report on InSifter, Keystone shows the lowest typical override at 1–3%, followed by a 2–3% tier that includes SIAA, Renaissance Alliance, Combined Agents, and Agents United. If “lowest fees” means no money down, Iroquois and Smart Choice advertise no upfront fee (they earn on override instead), and PIA works on membership dues rather than an override at all.
A 2% override with a 60/40 new-business split costs you far more than a 4% override at 100% commission. Monthly fees, profit-sharing eligibility, and — above all — exit terms change the real price. That’s why the cheapest network on paper isn’t always the one that pays the most. Model your actual book in the aggregator cost calculator before deciding, and note that fee structures change — always verify current terms in the contract itself.
Keystone reports the lowest typical override on InSifter at 1–3%. SIAA, Renaissance Alliance, Combined Agents, and Agents United sit around 2–3%, and Iroquois and Smart Choice advertise no upfront fee, earning on override instead.
No network is truly free — those with no upfront or monthly fee (like Iroquois and Smart Choice) earn through a commission override instead. PIA charges membership dues rather than an override.
Most charge a 2–4% override on commissions; some add monthly or startup fees, and franchise models take a larger revenue share in exchange for centralized services.
Overrides, fee models, and book-ownership terms for all 34 aggregators — agent-reported.
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