Cross-border · Cash vs non-cash

Which work model actually keeps more?

Compare US W-2 / Canadian T4 / US 1099 / Canadian self-employed contractor / brokerage-network / MGA-agency / franchise-owner on the same gross production. Cash economics stays separate from non-cash benefits.

Country

Gross annual production ($)

Platform take (network) %

MGA / agency override %

Franchise royalty + monthly ($/yr)

Franchise take %

Employee salary offer ($)

Benefits value (non-cash) ($)

Contractor overhead (E&O, tech, licensing) ($)

Retirement match value ($)

Cash economics Modeled — user-entered inputs

Non-cash benefits Modeled — user-entered inputs

Not personal tax, legal, or financial advice. Employment tax, payroll deductions, benefit valuations, and vesting are highly individual. Figures show statutory contribution rates for comparability, not net-of-tax take-home. Consult a licensed professional in your jurisdiction.