The document summarizes the results of a survey of IPA member agencies on their financial performance in 2015 and their outlook for 2016. 58% of respondents indicated 2015 was better than expected financially, while top-line income pressures were mixed with 34% better and 39% worse than expected. For 2016, 45% expect the general market to be better than 2015 and 74% believe prospects are brighter for their own agency compared to 2015.