Agency P&L Tool · Arbella Chairman's Circle Math

Contingent Commission Forecaster

Arbella doesn't publish Chairman's Circle thresholds. But the math is modelable — loss ratio drives the tier, retention drives the supplemental, growth drives the multiplier. This tool shows what each point of loss-ratio improvement and each point of retention lift is worth on your actual book. Shows the money that's already there — you just have to claim it.

Your current state

Today

Arbella book size$10.0M
Loss ratio55%
Retention88%
New business growth3%
Your tier
Elite Tier
Base commission (15%)$1,500,000
Contingent bonus$300,000
Supplemental$0
Total annual$1,800,000
90-day scenario

With Ascero AI's retention + growth tools

Arbella book size$10.0M
Loss ratio48%
Retention91%
New business growth6%
Scenario tier
Chairman's Circle
Base commission$1,500,000
Contingent bonus$450,000
Supplemental$50,000
Total annual$2,000,000
Annual commission delta
+$200,000
/ year

Moving loss ratio from 55% → 48% and retention from 88% → 91% generates 200,000 dollars of additional commission annually on a 10.0M book. Compounded over three years, that's over 600,000 dollars. This is money already earmarked for Stanton — the carrier just needs the numbers to pay it out.

Program analysis

  • Loss ratio at 55% qualifies for Elite tier. A 5-point improvement to 45% would move you to Chairman's tier — an additional $150,000/yr.
  • Retention at 88% is OK but not tier-maximizing. 90%+ unlocks supplemental commission of 50,000 annually.
⚠️ Disclaimer

Arbella does not publicly publish Chairman's Circle thresholds or contingent commission multipliers. The tier breakpoints used here are industry-standard estimates derived from comparable mutual-carrier contingent programs. For exact numbers, pull your Arbella agency agreement and request a YTD scorecard from your territory manager.