I have no problem with the setup - the split was either 50/50 or 60/40 depending on the agency. Some think that's exploitation. But photos were taken, ads were paid for, and they had a pre-existing clientele, so I was basically guaranteed work...in some cases, a location was also provided.
In sum: You do all 1-hours, with the odd 2-hour. Volume is high. You get sore by the end of the day and after two days, you need time off to recover. You have no idea who's going to walk in the door or what they're going to say/ask, and often, they are quite rude. (Think: guys who cannot get in the door with any independent) They were actually more demanding, and more physically challenging to deal with, than most of the clients I see as an independent. I'd never go back. Unless I had 10 starving kids, or something. Things would have to be dire.
I didn't like the clientele much. There were some REALLY nice guys, sure...but SO many assholes that the mean guys unfortunately define my agency experience more. Men go to agencies because it's quick and convenient...and, in a lot of cases, cheaper than seeing an independent. They viewed and treated me kind of like the horse outside Kmart, where you put the quarter in and ride for a few min. And say a guy misbehaved with one girl...even if she did let the agency know, they might just keep taking his money and book him with other girls. I saw some of the most reprehensible men, some of the most notorious and most oft-blacklisted names in my area. And I complained about them...can't imagine that nobody else did before or after me.
In most cases, the agency owner just left the girls to do what they wanted in session, as per their discretion...no pressure to do anal, or whatever, but if you didn't make $$, or a client complained that you weren't GFE - you were OUT! I can think of only ONE exception to that, and I'd call that exploitation, but I won't go into it here...it didn't affect me personally, thank goodness.
I worked for a few...in the space of 1 year when I first started working. All types - party agencies (late-nite operations), super-upscale/exclusive agencies, private UTR agencies, mid-range TER agencies. I only had a good experience with ONE. This place's rates were significantly higher than average, and they were genuinely selective as to both girls and clientele. But it was Spring 2008, so their market was dead. I only made good, steady money when I dropped rates and worked for those high-volume operations people have described as puppy mills. Some would consider those 'puppy mills' agencies 'upscale' - $3-5, generally...but there was nothing upscale about being booked back-to-back and doing 8 1-hour appt's per day, sorry.
Being independent is definitely the way to go, for a girl who can handle the legwork. But I met some agency girls who genuinely would never be able to do it, simple as it is.