Metric	Value	Scale	Benchmark	RAG
Renewal rate	94%		Peer 82%	Green
Growth YoY	+9%		Peer +6%	Amber
Years with us	12 yrs		Book avg 5.4y	Green
Open claims	4		Peer 3	Amber
Loss ratio	58%		Target ≤60%	Amber
Combined ratio	89%		Target ≤95%	Green
Client NPS	61		Book 45	Green
Wallet share	52%		Target 50%	Green
Profitability idx	86		Median 68	Green
Cross-sell value	$980K		Median $650K	Amber