Metric	Value	Scale	Benchmark	RAG
Renewal rate	76%		Peer 82%	Amber
Growth YoY	-3%		Peer +6%	Red
Years with us	6 yrs		Book avg 5.4y	Amber
Open claims	11		Peer 3	Red
Loss ratio	81%		Target ≤60%	Red
Combined ratio	104%		Target ≤95%	Red
Client NPS	28		Book 45	Red
Wallet share	44%		Target 50%	Green
Profitability idx	52		Median 68	Red
Cross-sell value	$760K		Median $650K	Amber