diff --git a/ga-api/src/main/java/com/ga/api/service/regulatory/RegulatoryLimitChecker.java b/ga-api/src/main/java/com/ga/api/service/regulatory/RegulatoryLimitChecker.java
index 130f090..ff185aa 100644
--- a/ga-api/src/main/java/com/ga/api/service/regulatory/RegulatoryLimitChecker.java
+++ b/ga-api/src/main/java/com/ga/api/service/regulatory/RegulatoryLimitChecker.java
@@ -1,5 +1,7 @@
 package com.ga.api.service.regulatory;
 
+import com.ga.core.mapper.ledger.MaintainLedgerMapper;
+import com.ga.core.mapper.ledger.RecruitLedgerMapper;
 import com.ga.core.mapper.regulatory.RegulatoryLimitMapper;
 import com.ga.core.vo.regulatory.RegulatoryLimitVO;
 import lombok.RequiredArgsConstructor;
@@ -18,13 +20,10 @@ public class RegulatoryLimitChecker {
     private static final DateTimeFormatter DATE_FMT = DateTimeFormatter.ofPattern("yyyy-MM-dd");
 
     private final RegulatoryLimitMapper limitMapper;
+    private final RecruitLedgerMapper recruitLedgerMapper;
+    private final MaintainLedgerMapper maintainLedgerMapper;
 
-    /**
-     * 누적 수수료율 한도 체크 (1200%).
-     * NOTE [gap]: RecruitLedgerMapper에 sumByContract(contractId) 미존재.
-     * core-architect가 추가하면 sumPaidByContract 메서드 구현 완료 예정.
-     * 현재는 additionalAmount만으로 단순 비교 (currentTotal = 0 임시 처리).
-     */
+    /** 누적 수수료율 한도 체크 (1200%). 신계약 + 유지 원장 합산. */
     public ViolationResult checkContractTotal(Long contractId, BigDecimal additionalAmount, LocalDate baseDate) {
         String baseDateStr = baseDate.format(DATE_FMT);
         RegulatoryLimitVO limit = limitMapper.selectActiveByType(TOTAL_RATIO, null, baseDateStr);
@@ -47,10 +46,7 @@ public class RegulatoryLimitChecker {
         return ViolationResult.ok(currentTotal, limit.getLimitValue(), TOTAL_RATIO);
     }
 
-    /**
-     * 1차년 수수료율 한도 체크.
-     * NOTE [gap]: 동일하게 sumByContract 부재로 currentTotal = 0 임시 처리.
-     */
+    /** 1차년 수수료율 한도 체크. 신계약 원장 1차년도만 (유지는 1차년 개념 없음). */
     public ViolationResult checkFirstYear(Long contractId, BigDecimal additionalAmount, LocalDate baseDate) {
         String baseDateStr = baseDate.format(DATE_FMT);
         RegulatoryLimitVO limit = limitMapper.selectActiveByType(FIRST_YEAR_RATIO, null, baseDateStr);
@@ -73,21 +69,17 @@ public class RegulatoryLimitChecker {
         return ViolationResult.ok(currentTotal, limit.getLimitValue(), FIRST_YEAR_RATIO);
     }
 
-    /**
-     * [gap] core-architect에게 RecruitLedgerMapper.sumByContract(Long contractId) 추가 요청 필요.
-     * 추가되면 아래 0 대신 실제 합산값으로 교체.
-     */
     private BigDecimal sumPaidByContract(Long contractId) {
-        // TODO: limitMapper 대신 recruitLedgerMapper.sumByContract(contractId) 사용 예정
-        return BigDecimal.ZERO;
+        BigDecimal recruit = recruitLedgerMapper.sumByContract(contractId);
+        BigDecimal maintain = maintainLedgerMapper.sumByContract(contractId);
+        return nullSafe(recruit).add(nullSafe(maintain));
     }
 
-    /**
-     * [gap] core-architect에게 RecruitLedgerMapper.sumFirstYearByContract(Long contractId) 추가 요청 필요.
-     * commissionYear = 1 조건 포함.
-     */
     private BigDecimal sumFirstYearPaidByContract(Long contractId) {
-        // TODO: recruitLedgerMapper.sumFirstYearByContract(contractId) 사용 예정
-        return BigDecimal.ZERO;
+        return nullSafe(recruitLedgerMapper.sumFirstYearByContract(contractId));
+    }
+
+    private BigDecimal nullSafe(BigDecimal value) {
+        return value != null ? value : BigDecimal.ZERO;
     }
 }