Please Help with Suggestions

I have been independent a little over a year. Started captive and learned alot but was ultimately so non competitive that I saw the light and fled. Got with a cluster out of the gate but found out I like the nonstandard auto business the best (don't judge). My question is this, since the NS scene is so much easier to get direct with and I write so little preferred business , am I getting screwed by being with a group.

Don't get me wrong I do get a lot out of the support but it does make it harder to pick up carriers and the bar to entry is lower so what is better. For the record I have an of
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