Maximizing the $4K Cap Advantage: A Complete Financial Breakdown
By Michael Bean
One of the most powerful — yet often misunderstood — financial advantages of joining Bean Group | eXp Realty is the $4,000 eXp team cap.
This exclusive team structure allows our agents to retain more income, scale faster, and leverage the full Bean Group platform — from CRM and lead generation to marketing systems and our Culture Center in Portsmouth, NH — all while remaining fully integrated within the eXp Realty ecosystem.
For agents focused on both growth and profitability, this structure offers one of the most favorable economic models in modern real estate.
💰 Key Advantage
Save $12,000 annually compared to standard eXp agents while keeping full platform access.
Understanding the eXp Cap System
At eXp Realty, every agent begins on an 80/20 split with the company. That means agents share 20% of their commissions with eXp until they've contributed $16,000 in company dollar — their annual cap.
Once capped, they move to 100% commission for the remainder of their anniversary year, paying only minimal transaction fees:
- →$250 per transaction until ICON threshold
- →$75 per transaction thereafter
This $16,000 limit represents the total amount any solo eXp agent pays to the company before keeping 100% of their commissions.
The Bean Group Advantage: The $4,000 Team Cap
Agents joining Bean Group at Levels 1–4 operate under eXp's Mega Team model, which introduces a reduced cap structure for approved team members.
🎯How It Works
- 1Team members remain on eXp's 80/20 split — but only until they've paid $4,000 to eXp (not $16,000).
- 2Once capped, they move to 100% commission with eXp for the remainder of the year (aside from nominal per-transaction fees).
- 3The $4,000 reduced cap is exclusive to agents officially aligned with a recognized Mega Team like Bean Group.
- 4Reduced-cap agents remain eligible for eXp revenue share and equity programs, but not for ICON Agent status (ICON applies only to full-cap agents).
💡 The Result
A $12,000 annual savings at the company level — while still enjoying all of eXp's core benefits plus the additional Bean Group ecosystem.
Level-by-Level Breakdown
Level 1Associate
For new or returning agents focused on building early production.
Level 2Senior Associate
For consistent producers scaling to the next level.
Level 3Partner
For high-producing, self-sufficient agents who value brand and leverage.
Real-World Financial Comparison
Let's compare two agents each earning $300,000 in Gross Commission Income (GCI).
| Scenario | eXp Split | eXp Cap | Total Paid to eXp | Take-Home |
|---|---|---|---|---|
| Solo eXp Agent | 80/20 until $16K | $16,000 | $16,000 | $284,000 |
| Bean Group Agent | 80/20 until $4K | $4,000 | $4,000 | $296,000 |
📊 The Bottom Line
The Bean Group agent keeps $12,000 more annually before any team split — and gains access to Bean Group's CRM, automation systems, marketing suite, and collaborative culture that typically translate into more closings and higher total income.
Beyond the Math: The Platform Multiplier
The $4K Cap is just the beginning. The true financial advantage of Bean Group comes from the platform that amplifies every dollar you earn.
🎯Leads & Referrals
Pre-qualified buyer and seller opportunities delivered through a unified CRM and marketing ecosystem.
⚙️CRM & Automation
Advanced automation systems track engagement, send personalized property updates, and nurture leads intelligently — converting more opportunities, faster.
📚Training & Mentorship
Structured onboarding, peer mentorship, and ongoing growth coaching that drive accountability and consistency.
🤝Culture & Collaboration
A professional, high-performance community grounded in shared growth — anchored by our Bean Group Culture Center in Portsmouth, NH.
Together, these components turn the $4K Cap into a profit multiplier, not just a savings mechanism.
Evaluating True Take-Home Income
When comparing brokerage models, don't just focus on your split — focus on net take-home income after caps, fees, and lost opportunities.
A 90/10 split with a $16,000 cap may sound attractive, but the Bean Group model often produces a higher real-world take-home when you account for:
For most agents, this adds up to greater profitability, better balance, and more predictable growth.
Final Thoughts: Retain More · Grow Faster
Joining Bean Group | eXp Realty means you're not just affiliating with a brand — you're stepping into a growth platform designed to compound your results.
With a dramatically reduced $4,000 eXp cap, complete revenue share participation, and one of the most robust team infrastructures in the industry, you'll keep more of what you earn while building long-term value inside a proven system.
💡While reduced-cap agents aren't ICON-eligible, they fully participate in eXp's revenue share and equity programs — and most importantly, gain access to the systems, culture, and platform that consistently drive higher earnings and sustained success.
Ready to see your personal financial breakdown?
Let's run the numbers together.
Ready to Take the Next Step?
Let's discuss how Bean Group can help you achieve your real estate goals.
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