With a quota share all of the premiums and claims are shared in the same proportion between the insurer and the reinsurer. Any differences between the net and gross loss ratio must therefore be due to the different expenses of the insurer and reinsurer which will include the commission paid by the reinsurer to the insurer. In this case since the net loss ratio is much lower than the gross loss ratio, there are probably significant commissions (probably profit commissions) paid.
