First, are you a retailer or wholesaler? The fee regulations are pretty standard.
Second, usually -- and this is usually -- a retailer can add a fee to an admitted quote if he discloses it to his insured prior to binding. This is whether he does or does not receive commission and whether or not the retailer has a production agreement with the admitted insurer.
Third, a wholesaler can add a fee to an admitted quote if he discloses it to his retail producer so that he can inform his insured prior to binding. The retailer can blame the big bad wholesaler to his insured, but its the wholesaler's perogative.
Admitted fee regulations are directed at retail producers so that they cannot come back against the insured after binding and then levy a fee for who knows what. If you play it straight you'll be ok.
"Free" ain't free