Metric	Value	Scale	Benchmark	RAG
Renewal rate	88%		Peer 82%	Green
Growth YoY	+14%		Peer +6%	Green
Years with us	9 yrs		Book avg 5.4y	Green
Open claims	7		Peer 3	Red
Loss ratio	72%		Target ≤60%	Red
Combined ratio	98%		Target ≤95%	Amber
Client NPS	42		Book 45	Amber
Wallet share	38%		Target 50%	Amber
Profitability idx	71		Median 68	Amber
Cross-sell value	$1.25M		Median $650K	Green