Each dichroic in the chain reflects one band and transmits the rest, and neither operation is free. Reflection typically runs 95 to 98%, transmission 90 to 95%, and a four-way splitter needs three dichroics to make four arms.
The first channel is peeled off at the first surface and sees one interaction. The last channel passes through all three. At 92% per transmission, that is 0.92³ = 78%: the far arm starts better than a fifth down before its camera has done anything at all. Add the emission filter in front of each sensor and the spread between best and worst arm widens further.
So a splitter's loss quoted as one number is an average, and no single channel sees it. A five-channel splitter losing 10% on average, with the same loss at each of its four dichroics, passes about 96% on its first channel and about 86% on its last two. Compare that instrument against another and the answer depends on which channel you compared: at the resolution element, a few percent either way is the whole margin between two good systems. Measure each channel's transmission, and quote comparisons per channel. The Sampling Comparator on the sample area per pixel page lets you step through the channels.
Which has a design consequence worth acting on: put your dimmest marker in the shortest optical path, not wherever it lands by wavelength convention. The arm order is usually fixed by the dichroic set, but the assignment of dye to channel is yours, and getting it backwards costs you the signal you were least able to spare.
Then there is the quiet one. Each camera has its own gain, its own read noise, its own population of hot pixels, its own flat-field. A single camera with a filter wheel has one of each. A four-camera system has four, all of which drift independently, and a quantitative comparison across channels is only as good as the worst-maintained of them.
Every dichroic in the splitter loses a few percent of the light passing through it, and a four-camera splitter has three of them in a row.
The first channel is separated out immediately and loses almost nothing. The last one travels through all three and arrives more than a fifth dimmer before its camera has even started.
A single loss figure for a splitter is an average; the first channel does better than it and the last does worse. So when you compare two instruments, say which channel you compared, and put your faintest marker in the shortest path. Also worth knowing: every camera has its own quirks — its own noise, its own bad pixels, its own calibration, and four cameras means four sets of all of it.