I don't get it. Earlier, you stated that you don't mind the fees they charge. Now you are complaining about writing $2k checks per month? I thought about that before I signed up, and even though I am not at that point yet, I will be ok with it, because I will be making good commission due to being with them. Serious question...please answer honestly. If you started out on your own, with no book to roll over, what do you think your premium would be now? You mentioned that most of your business is with only a few carriers. Would you be able to get appointed with those same carriers without being a part of SIAA? This seems like a recurring theme...agencies get big enough quickly that they feel they don't need the cluster/aggregator, but without them, they never would have been able to come close to the production because they wouldn't have access to good preferred carriers. You want SIAA to have skin in the game for you when you start out to make it fair? That's ridiculous, you must be a liberal!
First of all, I am a registered republican, not that it matters. Your are a moron. Being a liberal or conservative has nothing to do with my concerns with how these clusters are setup.
As I said many many times...clusters are great for agencies like yours, you will max out at around a million and be content with that,
To answer your question... Sure, my book maybe a bit smaller, however I also would be saving over 2k per month in fees so it probably would even out. You do understand you pay them 25% in the back end?
You mentioned your book is small, you work from home, no staff, etc. you have no chance of getting a direct appointment, so need a cluster to get access.