PEO4YOU Agent Earnings Calculator

Keep 100% of your book.
Forever.

Every group you BOR in your first 12 months at PEO4YOU 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.

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. PEO4YOU 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 PEO4YOU 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 PEO4YOU

Expected Churn Rate with Platform (%)

2%Your current: 12%15%

Hours/Week on Admin (adds, terms, changes) ?PEO4YOU 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 PEO4YOU 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%

PEO4YOU'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 PEO4YOU warm leads. Typical close rate: 8-10% on 15+ leads per year.

0/yr2 typical10/yr

Qualified Appointments

You keep 65%

PEO4YOU 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 PEO4YOU-qualified appointments. Typical close rate: 9-12% on 8+ qualified leads per year.

0/yr1 typical8/yr

Fully PEO4YOU-Sourced

You keep 50%

PEO4YOU 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.

PEO4YOU-Sourced Groups Assigned Per Year ?Groups PEO4YOU 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 PEO4YOU-sourced (50%)

Your 5-Year Projection

The Numbers

Side-by-side comparison: your current trajectory vs. partnering with PEO4YOU.

5-Year Income Difference
+$277K
+8.5% more with PEO4YOU

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 PEO4YOU

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

Year 5 Income Breakdown by Source

Breakeven Point

Month 30

When PEO4YOU 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 PEO4YOU-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 PEO4YOU 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] | peo4you.com/agents

Keep 100% of your book.Forever.