EFuturesCFO · Insurance Suite
Expense Ratio & Operational Efficiency
Analyze your expense ratio breakdown — commissions, operations, technology, claims — and model the impact of efficiency initiatives on combined ratio.
Executive Summary
Expense Breakdown
Reduction Levers
Expense Ratio Trajectory
Methodology
Expense Ratio = Total UW Expenses ÷ NWP. Commission Ratio = Commissions ÷ NWP. Operating Expense Ratio = (Total − Commissions) ÷ NWP. Industry P&C avg: 27-32%. Top quartile: <26%. Direct writers: 20-25%. Agency companies: 30-35%. Technology ROI benchmark: 3-5× in efficiency gains.