That is the modeled pre-tax owner-operator benefit across conservative, base, and upside revenue anchors from the 2026 ActionCOACH Franchise Disclosure Document. The base scenario is about $64,100. A manager-run proxy is lower: from a roughly $16,900 loss to $60,500, with a base result of about $9,800.
These earnings figures are independent analytical scenarios, not an Item 19 financial performance representation by Buji, LLC, ActionCOACH North America, LLC, or another ActionCOACH entity. They combine identified FDD revenue and fee facts with separately identified IRS and Census benchmarks and explicit modeling assumptions. Actual results can differ materially by territory, client acquisition, pricing, coach capacity, staffing, owner involvement, travel, financing, and execution.
The 2026 FDD provides a useful regional Gross Revenues distribution, but it does not disclose outlet profit, owner compensation, EBITDA, or cash flow. The earnings model therefore depends materially on broad official industry benchmarks rather than same-brand expense data.
Data basis
Currency: All dollar figures are U.S. dollars (USD).
Legal offer: Buji, LLC is the master licensee and subfranchisor for the Minnesota and Wisconsin offer; ActionCOACH North America, LLC is identified as the national franchisor and U.S. intellectual-property licensor. The FDD issuance date is May 1, 2026. Item 19 reports 2025 results for the broader Great Lakes Region—Illinois, Indiana, Michigan, Minnesota, Ohio, and Wisconsin—not the entire U.S. ActionCOACH system.
Item 19 population: 23 of 26 outlets reported Gross Revenues, described as approximately 88% coverage; the 23 reporting outlets operated for the full calendar year. The reporting group contained 22 franchisee-owned outlets and one affiliate-owned outlet, including 17 single-coach and six multi-coach outlets. The analysis uses the FDD’s stated population and does not treat its regional results as national performance.
Benchmarks: Tax year 2023 IRS sole-proprietorship results for Management, Scientific, and Technical Consulting Services support the owner-operator proxy. The latest published Census Service Annual Survey revenue and expense tables—2022 data re-released in 2024—support the manager-run employer-firm proxy. Sources were checked on July 18, 2026. No matching public copy of this regional 2026 FDD was identified on an official franchise-controlled domain, so FDD references below are plain-text Item and printed-page citations.
All 23 reporting Great Lakes outlets for calendar 2025.
Revenue, not owner earnings or business profit.
Approximately 88% of the stated outlet population; all reporters had a full 2025 year.
Subject to a $1,950 monthly minimum, or $23,400 annually.
IRS 2023 net income less deficit divided by receipts for consulting sole proprietors.
Census 2022 management-consulting employer revenue less expenses, divided by revenue.
How much could an ActionCOACH owner earn in a year?
An owner who personally sells and delivers coaching could model annual owner-operator benefit from a roughly $2,700 loss to $217,600, with a base result near $64,100. These are estimates for the Partner Business Coach format using 2025 FDD revenue anchors. They are before personal income taxes and financing principal payments, and the owner-operator figures include compensation for the owner’s labor.
A manager-run structure produces a materially lower proxy: a roughly $16,900 loss in the conservative scenario, about $9,800 in the base scenario, and about $60,500 in the upside scenario. That residual is not a promise of passive income. The benchmark includes employer payroll in aggregate, but it does not prove that a particular outlet can fund a full-time Managing Director Business Coach at those revenue levels.
| Scenario | FDD revenue anchor | Owner-operator benefit | Manager-run residual |
|---|---|---|---|
|
Conservative Low-tier median |
$51,900 | −$2,700 | −$16,900 |
|
Base All-outlet median |
$199,725 | $64,100 | $9,800 |
|
Upside High-tier median |
$577,506 | $217,600 | $60,500 |
Scenario anchors are observed FDD medians, not probabilities. Calculated results are rounded to the nearest $100 after using full-precision inputs.
The franchisor’s Item 19 numbers are Gross Revenues. They do not subtract royalties, marketing fees, technology, conferences, payroll, client-acquisition costs, insurance, travel, office costs, taxes, or financing. The modeled earnings figures begin only after separating revenue from operating benefit.
What does the 2026 FDD actually report?
Item 19 officially reports 2025 Gross Revenues, not profit or owner compensation. The disclosure covers 23 reporting Great Lakes outlets that operated for the full calendar year, including single-coach and multi-coach businesses and one affiliate-owned outlet. It is a regional mixed-format cohort rather than a pure single-unit, owner-operated population.
The FDD’s overall average was $264,066 and its median was $199,725. It also divided reporting outlets into high, mid, and low revenue tiers. The conservative and upside scenarios use the low- and high-tier medians; the base scenario uses the stronger central measure, the overall median. The table heading uses Gross Revenues, while its footnote defines Collected Revenues as cash-basis receipts from services and products, excluding sales taxes and specified credits. Source: 2026 Buji, LLC ActionCOACH Business Coach FDD, Item 19, printed pages 42–45.
FDD-reported median Gross Revenues used to anchor the three analytical scenarios.
Interpretation: The observed revenue distribution is wide enough that one clean “average owner income” number would conceal most of the decision risk. Source: 2026 FDD, Item 19, printed pages 43–44.
| FDD tier | Outlets | Gross Revenues range | Median Gross Revenues |
|---|---|---|---|
| High | 7 | $333,132–$799,019 | $577,506 |
| Mid | 9 | $108,090–$280,271 | $191,721 |
| Low | 7 | $24,000–$101,214 | $51,900 |
Item 19 says two semi-retired outlets did not report and one 2025 opening lacked a full year. It also notes that some included operators may work reduced hours and that outlets may cooperate formally or informally. The affiliate paragraph calls its outlet one of five multi-coach outlets, while the following population paragraph reports six; this article uses the explicit 17 single-coach plus six multi-coach count but flags the conflict. The average-revenue table also lists eight outlets above average but prints 25%; those entries do not reconcile, so this article does not use that percentage.
How were the earnings scenarios calculated?
The model applies role-specific official industry margins to the FDD revenue anchors, then subtracts ActionCOACH-specific recurring fees disclosed in Item 6. The result is estimated rather than official because the FDD provides no same-brand expense statement.
Owner-operator benefit = FDD revenue × 50.2469% IRS sole-proprietor net-income proxy − modeled ActionCOACH recurring feesManager-run residual = FDD revenue × 23.0500% Census employer-firm surplus proxy − modeled ActionCOACH recurring fees
What does the owner-operator benchmark measure?
The IRS proxy measures aggregate Schedule C net income less deficit for 2023 sole proprietors in Management, Scientific, and Technical Consulting Services. The official table reports $67.087 billion of business receipts and $33.709 billion of net income less deficit across 1,109,907 returns, producing a 50.2469% ratio. Because a sole proprietor cannot deduct a salary paid to the proprietor, this measure can include both business residual and the economic value of the owner’s work. It is therefore used only for owner-operator benefit, not passive profit. See the IRS 2023 sole-proprietorship industry table.
What does the manager-run benchmark measure?
The Census proxy measures aggregate employer-firm revenue minus aggregate expenses for 2022 Management Consulting Services. The Service Annual Survey reports $307.310 billion of revenue and $236.475 billion of expenses, leaving a 23.0500% arithmetic surplus. Employer expenses include payroll in aggregate, making this structurally closer to a manager-run business than the sole-proprietor benchmark. It is still not franchise profit, EBITDA, or an ActionCOACH P&L. See the Census 2022 Service Annual Survey tables.
- Royalty: the greater of 10% of Gross Revenues or the $1,950 monthly minimum, equivalent to $23,400 for a full year.
- Marketing and Advertising Fee: 5% of Gross Revenues, subject to a $100 monthly minimum and $1,000 monthly cap.
- Technology: one $100 monthly access seat, or $1,200 annually. Additional owners, coaches, or team members can increase this amount.
- Required conference registration: $1,625, the rounded midpoint of the FDD ranges for one ACNA national conference registration and one Great Lakes Region conference registration.
- Not modeled: conference travel, lodging and meals; optional email; extra coach seats and training; insurance; local office costs; working capital; debt principal; and personal income taxes.
The IRS and Census ratios already represent broad all-in expense structures, so the model does not separately subtract generic payroll, rent, advertising, insurance, travel, interest, or depreciation again. It subtracts only the identified ActionCOACH-specific fee layer on the analytical assumption that those mandatory franchise charges are not already embedded in the broad benchmark. Source: 2026 FDD, Item 6, printed pages 8–12.
How does owner involvement change the result?
Owner involvement is the largest structural difference in the estimate. The FDD requires personal participation unless the owner appoints a Managing Director Business Coach, and the official franchise FAQ describes both starting solo and later building a team. An active owner may retain the value of sales, coaching delivery, and management labor; a manager-run owner must fund that work through payroll or contractor compensation.
Modeled annual result at the same FDD revenue anchor; values left of zero indicate an operating loss.
Interpretation: At the FDD median revenue, the model assigns about $54,300 of the role difference to the economic structure of owner labor versus an employer operation. Sources: 2026 FDD Items 15 and 19; IRS 2023 sole-proprietorship data; Census 2022 employer-firm data.
The Bureau of Labor Statistics reports a May 2024 national median annual wage of $102,950 for General and Operations Managers. That wage is not subtracted from the manager-run scenario because the Census expense ratio already includes payroll; subtracting it again would double-count labor. It is instead a plausibility check: a base manager-run residual of about $9,800 does not independently demonstrate that a unit can support a dedicated full-time manager at the national median wage.
Which disclosed fees move owner earnings most?
The $1,950 monthly minimum royalty is the most consequential disclosed fee at lower revenue. It creates a $23,400 annual floor even when 10% of Gross Revenues would be lower. Item 6 defines Gross Revenues on a cash-receipts basis for services and products connected with the ActionCOACH business, excluding specified taxes collected and remitted. The 5% Marketing and Advertising Fee has a $100 monthly minimum and a $1,000 monthly cap, so its effective percentage declines after annual Gross Revenues exceed $240,000.
These totals contain only royalty, marketing, one technology seat, and one assumed attendee for both required conferences. They are not total business expenses. Ordinary consulting expenses are represented through the government benchmark ratios. Travel and accommodation for required conferences can reduce cash earnings further because Item 6 assigns those costs to the franchisee.
A low-revenue outlet can owe minimum royalty and marketing payments even while losing money. That operating leverage is why the conservative scenario falls below zero despite the relatively high sole-proprietor consulting margin benchmark.
What keeps this from being a precise salary estimate?
The largest unresolved uncertainty is the absence of same-brand operating-expense and owner-compensation data. Item 19 gives Gross Revenues but no coach payroll, lead-generation spending, travel, office cost, insurance, client concentration, bad debt, owner hours, EBITDA, or distributions. Government industry averages cannot reveal how those costs behave inside this franchise system.
- Regional scope: Item 19 reflects the Great Lakes Region, while the legal offer in this FDD is Minnesota and Wisconsin. Results are not national ActionCOACH statistics.
- Mixed operating models: the reporting population includes 17 single-coach and six multi-coach outlets, with one of the 23 outlets affiliate-owned. A per-outlet result is not automatically a per-owner result.
- Voluntary, unaudited reporting: outlets self-reported through the franchisor’s KPI system, and three full-population outlets were excluded from the revenue table.
- Owner workload: the FDD permits personal operation or appointment of an MDC. Owner hours, sales skill, delivery capacity, and team structure are not standardized in Item 19.
- Benchmark mismatch: IRS data cover a broad consulting category and Census data cover employer management-consulting firms. Neither source isolates franchised business coaching.
- Timing mismatch: the FDD revenue period is 2025, IRS data are tax year 2023, and the latest SAS expense benchmark is 2022. No inflation adjustment is applied because the model uses ratios rather than nominal costs.
- Debt and taxes: financing principal and personal income taxes are excluded. The IRS benchmark can include deductible business interest; entity structure and tax jurisdiction can materially change take-home cash.
Item 20 reports 26 total Great Lakes outlets at year-end 2025—25 franchised and one affiliate-owned—matching the Item 19 population before the three stated reporting exclusions. Four franchised outlets closed during 2025 while one opened. Those system changes do not establish cause or profitability, but they reinforce the need to review current and former franchisee experience rather than rely on the revenue average alone. Source: 2026 FDD, Item 20, printed pages 45–49.
What should a buyer verify before relying on the range?
A buyer should treat the range as a diligence framework, not a forecast. The FTC explains that Item 19 claims should be evaluated through their source, limitations, assumptions, and written substantiation. The most useful next evidence is a set of comparable franchisee P&Ls tied to owner role and outlet maturity.
- Request the written substantiation supporting the 2025 Item 19 tables, including the exact outlet list, source reports, and treatment of adjustments or inter-outlet cooperation.
- Ask Buji, LLC to reconcile the table entry showing eight outlets above average and 25%, and obtain the corrected percentage in writing.
- Separate interviews with single-coach owners, multi-coach Firm operators, active owner-operators, MDC-run businesses, semi-retired operators, and former franchisees.
- Collect actual percentages for coach payroll or contractor cost, lead generation, travel, occupancy, software, insurance, professional services, and uncollectible client accounts.
- Confirm when minimum royalty and marketing payments start for the proposed training schedule and whether additional technology seats or conference attendees will be required.
- Verify owner hours devoted to sales, coaching delivery, administration, networking, and team management; owner-operator benefit is not comparable without workload.
- Model debt service separately using the buyer’s actual financed amount, interest rate, fees, and amortization term. Do not subtract Item 7 startup investment from annual revenue.
- Recalculate the scenario with local Minnesota or Wisconsin manager compensation, travel requirements, and the buyer’s intended office arrangement.
Which ActionCOACH earnings range is defensible?
The strongest defensible range is a roughly $3,000 loss to $218,000 of annual owner-operator benefit, with a base estimate near $64,100. It is scenario-based, not an official Item 19 earnings result. For a manager-run structure, the comparable proxy is a roughly $16,900 loss to $60,500, with a base near $9,800.
The dominant earnings driver is revenue generation relative to the minimum royalty floor, followed by whether the owner personally performs sales, coaching, and management work. The largest unresolved uncertainty is the lack of same-brand operating-expense and owner-compensation disclosure. Before deciding, a buyer should verify Item 19 substantiation, obtain comparable franchisee P&Ls, and test the model against interviews with current and former owners who use the same operating structure.