Metric	Value	Scale	Benchmark	RAG
Renewal rate	92%		Peer 82%	Green
Growth YoY	+28%		Peer +6%	Green
Years with us	4 yrs		Book avg 5.4y	Amber
Open claims	1		Peer 3	Green
Loss ratio	41%		Target ≤60%	Green
Combined ratio	76%		Target ≤95%	Green
Client NPS	71		Book 45	Green
Wallet share	28%		Target 50%	Amber
Profitability idx	91		Median 68	Green
Cross-sell value	$1.40M		Median $650K	Green