In-House Hire PROs In-House Hire PROs Compare Monthly Cost $4,350 – $5,800 $1,500 – $3,250 Annual Cost $52,000 – $70,000 $18,000 – $39,000 Training Required High; You train them Zero; OS165 trained + agency-specific workflows QA & Oversight You handle it Included — full QA + performance analytics Flexibility Fixed employee Add/swap PROs based on workload Worker Type Full employee Managed PRO with CSM oversight Turnover Risk High (rehiring, retraining, cost) None — replacements provided Scalability Slow, adds payroll + HR load Immediate — add capacity instantly HR/Admin Burden Payroll, PTO, benefits, taxes None — Momentum handles everything Language Support English only English + Spanish (Colombia) Workflow Expertise Must be trained Pre-trained in 165 insurance workflows (OS165) Consistency of Output Varies by employee AI-enhanced, standardized execution Software/Tooling Your cost Included: AI QA, workflow software, analytics Minimum Commitment Full employment contract 3-month minimum per PRO
