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Although profitability remains strong among the U.S.’s top-performing independent agencies, challenges lie ahead in the form of slower revenue growth, shifts in workplace demographics, and a decrease in the “Rule of 20″ rate, which measures an agency’s value creation for its shareholders.

The findings come from the IIABA and Reagan Consulting’s 2014 Best Practices Study. This year’s version marks the 22nd anniversary of the study, which was first conducted 1993.

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