I will judge this based on data from Statista: https://www.statista.com/statistics/777612/average-commission-rate-realtors-usa/. As of 2023-11-10, Statista states: "In 2023, the average commission rate for realtors in the U.S. was 5.46 percent."

If the rate falls below 4.6%, this resolves to YES on the spot since this is by EOY 2028 not 'at' EOY 2028.