Hi Gumdrops, just regarding the 20% commission for insurance. It is common and accepted practice (I think) for insurance brokers to take 20% but this is off the insurance companies profit.
Our Strata uses an insurance broker and the broker gets paid a 20% commission but we pay the same as if we had purchased the policy directly off the insurance company.
So if the 20% you referr to is this, it is standard practice. However having said that your Strata manager appears overly remunerated!!