^^ .. So kowing that you need as much $ left to keep the lights on, pay you and your partners comfortable saleries (and grow your partner saleries), provide to empoyees generous health insurance, 401k match @ .50 on the dollar, provide a pension plan, provide as many free, warm leads as needed, pay employee travel expense, pay for as much training/education as desired, pay for additional office space for them ( assuming your shop doesn't wish to be stagnant in the same location), and pay people who aren't producing like your own in-house IT staff, in-house legal council, huge customer dept to take some servicing weight off your producers ... Knowing all that if you hired non-partner producers, what splits would you pay them? I don't think, no I KNOW, you're still very naieve to know the real answer. It takes more than you think to run a successful LARGE well respeced organization. More than an insignificant little two man shop. I agree that being your own boss is the way to make more money, and more headaches. When I move on to greener pastures, it will either be as my own boss, or medium agency with less overhead and better splits. Yes, I know I could do better as I'm very talented and smart, but beyond that what I dislike the most in personal lines are the customers it attracts. They can be highly disrespectful, and abusive, and unstable. The most I have ever seen in my sales career.