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I’ve selected “Subtract fees from the Subtotal” and the “effective rate” on the preview page doesn’t meet a union minimum. What should I do?

This depends on the payment type / signatory:

Standard Eljin: If your reverse calculation/flat-fee produces an effective rate below the appropriate union minimums, the payment doesn’t qualify for SAG-AFTRA or ACTRA contributions.
ACX US: If the input rate meets the $250 pfh minimum (or $100 pfh Royal Share Plus minimum), the payment will qualify for SAG-AFTRA contribution.