Metric	Value	Scale	Benchmark	RAG
Renewal rate	84%		Peer 82%	Amber
Growth YoY	+19%		Peer +6%	Green
Years with us	3 yrs		Book avg 5.4y	Amber
Open claims	2		Peer 3	Green
Loss ratio	55%		Target ≤60%	Green
Combined ratio	86%		Target ≤95%	Green
Client NPS	55		Book 45	Green
Wallet share	31%		Target 50%	Amber
Profitability idx	77		Median 68	Green
Cross-sell value	$620K		Median $650K	Amber