BENEFITRA Agent Earnings Calculator

Keep 100% of your book.
Forever.

Every group you BOR in your first 12 months at BENEFITRA stays at 100% commission — for life. No taper. No step-down. No giveback. Plug in your numbers and see what the next 5 years look like.

What This Means For You

This free tool takes the guesswork out of understanding your agent earnings projection costs. Instead of trying to piece together information from multiple sources or waiting for a broker callback, you can get clear numbers in about two minutes.

Enter your information below — no account needed, no email required. The results will give you a solid starting point for making informed decisions about your benefits strategy.

Step 1 — Your Current Practice

Tell us about your book today

Active Groups in Your Book ?How many employer groups do you currently service as broker of record?

Average Employees Per Group ?Average headcount across your groups. BENEFITRA targets 25+ employee groups.

Average Gross Commission PEPM ($) ?Blended per-employee-per-month commission across medical + ancillary lines. Industry average for 25+ groups: $35-$60. $47.50 is a solid midpoint.

Your Current Take-Home % ?What percent of gross commission do you keep? 100% if independent, 80-90% if under a GA, 40-60% if at a large firm.

New Groups You Win Per Year ?How many new employer groups do you close annually through all channels (cold outreach, referrals, etc.)?

Annual Client Churn Rate (%) ?What percentage of your book do you lose each year? Industry average for small brokerages without technology: 10-15%.

Hours/Week on Admin (adds, terms, changes) ?Time spent on service tasks instead of selling: processing enrollment changes, answering compliance questions, running reports, etc.

Current SaaS/Tech Revenue ($/year) ?Do you currently earn any technology or platform revenue from your clients? Most agents earn $0.

Step 2 — Your BENEFITRA Partnership

Choose your agent type

Select the path that matches your situation.

BOR Agent 100% Forever

100%

Bringing your existing book. Every group you BOR in your first 12 months stays at 100% commission for life. No taper. New business at 75%. 25% SaaS lifetime on BOR'd book.

New Business Agent

75%

Writing new business only. 75% on agent-sourced deals. 25% Y1 / 15% Y2+ SaaS. Access to full platform + marketing leads.

Your Growth Expectations with BENEFITRA

Expected Churn Rate with Platform (%)

2%Your current: 12%15%

Hours/Week on Admin (adds, terms, changes) ?BENEFITRA automates ~67% of admin. Expect significant time savings.

5 hrs

1 hrYour current: 1520 hrs

SaaS Adoption Rate (% of groups on paid SaaS) ?What percentage of your groups do you expect will subscribe to a paid BENEFITRA tier (Professional or Enterprise)?

65%

10%65% typical100%

Average SaaS PEPM (Brokerage Rate)

Step 3 — Your New Business Pipeline

Where will your new groups come from?

Different lead sources pay different commission rates. This reflects who did the work to find and qualify the client.

Agent-Sourced (Your Network)

You keep 75%

Groups you find yourself — referrals, cold outreach, your personal network, COI relationships. You found it, you closed it.

Agent-Sourced Groups Per Year

0/yrYour current: 220/yr

Warm Leads / Callbacks

You keep 70%

BENEFITRA's marketing generated the initial interest — voicemail drops, email campaigns, benefits calculator engagement — and the prospect responded. You make contact, build the relationship, and close.

Warm Lead Groups Per Year ?Estimated closed groups from BENEFITRA warm leads. Typical close rate: 8-10% on 15+ leads per year.

0/yr2 typical10/yr

Qualified Appointments

You keep 65%

BENEFITRA found, contacted, and qualified the prospect via SEO inbound, demo requests, or BDR outreach. A meeting is booked on your calendar with a decision-maker who has a confirmed need.

Qualified Appointment Groups Per Year ?Estimated closed groups from BENEFITRA-qualified appointments. Typical close rate: 9-12% on 8+ qualified leads per year.

0/yr1 typical8/yr

Fully BENEFITRA-Sourced

You keep 50%

BENEFITRA closed the deal — you had zero involvement in the sale. You service the account: enrollment meetings, employee questions, annual reviews. Think of it as bonus income for service work.

BENEFITRA-Sourced Groups Assigned Per Year ?Groups BENEFITRA closes and assigns to you for servicing. You earn 50% for ongoing relationship management.

0/yr1 typical8/yr

Total New Groups Per Year:

4 agent-sourced (75%) + 2 warm leads (70%) + 1 qualified (65%) + 1 BENEFITRA-sourced (50%)

Your 5-Year Projection

The Numbers

Side-by-side comparison: your current trajectory vs. partnering with BENEFITRA.

5-Year Income Difference
+$277K
+8.5% more with BENEFITRA

Year 5 Annual Income

$983K

vs $722K on current path

Total Groups by Year 5

25.5

vs 12.7 on current path

Hours Saved (5 Years)

2,600

10 hrs/wk back for selling

Annual Income Comparison

Current Path With BENEFITRA

	Year 1	Year 2	Year 3	Year 4	Year 5	5-Year Total

Year 5 Income Breakdown by Source

Breakeven Point

Month 30

When BENEFITRA income exceeds current path

New SaaS Revenue (5-Year Total)

$69,659

Revenue stream that doesn't exist today

Commission Structure at a Glance

BOR'd Book (within 12-month window) Forever	100%
Agent-Sourced New Business	75%
Warm Leads / Callbacks	70%
Qualified Appointments	65%
Fully BENEFITRA-Sourced	50%
SaaS — BOR'd Book	25% lifetime
SaaS — New Business	25% Y1 / 15% Y2+
Departure Trail	50% of current rate, lifetime

Like what you see?

These projections are based on your inputs. Let's talk about making them real.

YOU OWN YOUR BOOK. FOREVER.

Every group you BOR within your first 12 months at BENEFITRA stays at 100% commission for life. No Year 2 haircut. No Year 3 step-down. No giveback — ever.

If you leave or retire, you continue earning 50% of your commission rate for life on all groups that remain. On BOR'd groups, that's 50%. On agent-sourced new business, that's 37.5%.

No non-compete. No non-solicit. Just a fair structure that rewards partnership.

Contact Sam Newland

[email protected] | benefitra.com/agents

Getting Started — Your Next Steps

Capture your results — take a screenshot or write down the key figures
Compare these estimates against your most recent renewal notice
Bring these numbers to your next conversation with your broker or advisor
Ask about any hidden fees, participation requirements, or waiting periods
Target your next renewal date as the ideal time to make any changes

Common Questions

Is this agent earnings projection calculator really free?

Yes, completely free with no strings attached. You do not need to create an account, provide an email address, or speak with anyone. Calculations run in your browser. Benefitra collects information when you submit a form or request a report, and this tool may save what you enter as you work. Analytics cookies are used only with your consent. See our Privacy Policy.

How accurate are these estimates?

The calculations use industry-standard data and published rate tables, so they provide a reliable directional estimate. Your actual costs will depend on your specific situation, location, and the providers you work with. We recommend using these numbers as a starting point for getting real quotes.

What should I do with these results?

Use them as a baseline for informed conversations with brokers, PEOs, or insurance providers. Having these numbers before you talk to a salesperson puts you in a much stronger negotiating position and helps you evaluate whether the proposals you receive are competitive.

Projecting how a benefits book grows over time

A single year of commissions tells you little about the value of a benefits practice. The real story is how renewals stack on new business year after year. This projection calculator models that compounding, so an agent can see what a book is likely worth in three, five, or more years under different growth and retention assumptions.

Strong retention is what separates a flat income from a compounding one, because every retained case carries its renewal commission forward while new cases pile on top. Adjusting the retention rate in the model shows how much long-term value rides on keeping clients rather than only chasing new ones.

To pressure-test a single year first, start with the Agent Earnings Planner, then return here to project the book forward.

What drives a book's long-term value:

New cases added per year
Retention rate on existing cases
Your commission structure
Compounding of renewals over time

Insurance agent licensing and conduct are overseen at the state level through the National Association of Insurance Commissioners.

Frequently asked questions

What assumptions drive the projection?

New cases added per year, your retention rate on existing cases, and your commission structure. Small changes in retention have an outsized effect over a multi-year horizon.

Why project several years out?

Because a benefits book is a recurring-revenue asset. Its value comes from the renewal stream, which only becomes visible when you model multiple years.

How sensitive is the result to retention?

Very. Because retained cases keep paying renewal commission while new business adds on top, even a few points of retention change the long-term total meaningfully.