Individual branch offices often feel disconnected from corporate - feedback on operational and productivity issues with company platforms and processes seem to disappear into a yawning black hole, costing the company time, money and effecting customer satisfaction and retention, as well as leading to employee frustration and an "it is what it is" outlook on reporting any future issues.
New processes, applications, sales, etc are often brought online by the seat of the pants without seemingly any QA testing or proper planning - which leads to much scrambling to resolve issues after the fact
Company sense of cohesion and morale building efforts are practically non existent.
Frequent lack of leadership and vision in individual branch offices leads to employee dissatisfaction and high turnover
Employees outside of Circle of Excellence / management / bonus plans have little incentive to strive for their own excellence. Salaries are generally on the lower end, and raises have never been all that generous regardless of individual performance. To quote Office Space... "you know, Bob, that will only make someone work just hard enough not to get fired"