First I simplified the formula currently existing in B4 to
=(B7+B11)*VLOOKUP(B3,ComTable1,3,TRUE)+B10*VLOOKUP(B3,ComTable1,2,TRUE)+IF(B3>='Office Setup'!G18,((B33*'Office Setup'!M16)+(B32*'Office Setup'!M15)+(B31*'Office Setup'!M13)+(B30*'Office Setup'!M12)+(B29*'Office Setup'!M11)+(B28*'Office Setup'!M10)+(B27*'Office Setup'!M9)+(B22*'Office Setup'!M8)+(B20*'Office Setup'!M6)+(B18*'Office Setup'!M4)+(B15*('Office Setup'!M3/'Office Setup'!N3))),0)
It is not an array formula. I assigned the name ComTable1 to the Office Setup cells G18:I25. In that Table (row 18), I added a level 0 (0,0,0,0) so that values of less than 500 points will give a result of 0. Not sure where to go from here until I understand the spreadsheet a little better. 
The second part of that formula where you're taking values from each color and multiplying it by the corresponding value in your commission table schedule could be greatly simplified with SUMPRODUCT if you brought all those cells together (B15, B18, B20...) in another table. Just a thought.
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