The COI Bottleneck Benchmark

Your agency's percentile, in 2 minutes.

10 honest inputs. We compare to 200 regional agencies. Your inputs stay in this browser.

Total book size ($ premium, annual) Total commission-generating premium written/year

Your commission % on the book (avg)

Median COI turnaround (hours) From request to delivery. Top quartile: under 4 hrs.

Days to turn a loss-run PDF into a carrier submission Top quartile: 1 day. Bottom: 6+ days.

% of inbound calls that go to voicemail or hang up Regional avg: 15-35%. Often much higher than principals realize.

Current 12-mo renewal retention (%)

% of renewals you start a conversation about 60+ days out Top quartile: 80%+. Middle: 35-50%.

Number of producers

Number of CSRs / account managers

Avg commercial account value ($ annual premium)

What your rank means

The gap between middle and top-quartile is ~12% of annual commission revenue.

Agencies in the top quartile on these six dimensions retain 4-7 percentage points more renewal premium per year, lose ~80% fewer commercial prospects to slow COI response, and spend less on E&O claims. At $18M book size, that's $200K, $400K per year of recoverable commission, year after year.

The gap isn't primarily about software. Top-quartile agencies have built custom workflows on top of their AMS that close the specific response-time and retention leaks that AgentSync/Patra/Applied don't cover. That's exactly what we commission.

30-minute architecture review. Free. Under NDA. Principal-to-principal.

Book the 30-min architecture review.

On Zoom. NDA signed before the call. We sketch your system live; you leave with a written memo either way.

Book the review →