Scorecards & producer tiers
===========================

The **Scorecards** screen (sidebar → *Scorecards*) is the producer
leaderboard: every scored producer ranked by **composite score**,
with the contributing dimensions listed alongside. Each producer's own
score and dimension breakdown also appears on the **Scores** tab of
their detail page (:doc:`producers`).

.. figure:: images/scorecards.png
   :alt: The Scorecards leaderboard ranking producers by composite score with their tier and contributing dimensions.
   :width: 100%

   The **Scorecards** leaderboard: producers ranked by composite score,
   with their performance **tier** and the dimensions (compliance,
   productivity, volume) that feed the score.

How the score is computed
-------------------------

Scoring runs in the background on a period basis (monthly, quarterly
or annual). For each producer the platform first builds a
**performance snapshot** from ingested data and open compliance
alerts: new-business premium, renewal premium, total premium, policy
count, commission earned, and the number of open compliance alerts.

From the snapshot, three **dimension scores** are computed, each
capped between 0 and 100:

.. list-table::
   :header-rows: 1
   :widths: 20 45 35

   * - Dimension
     - Formula
     - Default weight
   * - Volume
     - total premium ÷ volume benchmark × 100
     - 40 %
   * - Productivity
     - policy count ÷ policy benchmark × 100 (policy count = distinct
       in-force policies, net of cancellations)
     - 30 %
   * - Compliance
     - 100 − 10 points per open compliance alert
     - 30 %

The **composite score** is the weighted sum of the three dimensions.

The weights and benchmarks come from your tenant's **scoring
configuration** (defaults: volume benchmark 500,000; policy benchmark
100). Exactly one configuration is active per tenant at a time; it is
maintained by administrators, and changing it changes how everyone is
scored at the next computation.

.. note::

   Open compliance alerts directly depress a producer's score — ten
   points per open alert. Resolving alerts (:doc:`compliance`) is the
   fastest way for a producer's compliance dimension to recover.

Producer tiers
--------------

Managers define **tier bands** under *Performance → Design → Tier
bands* — named score ranges such as Platinum 90–100, Gold 75–89 —
optionally with a
commission-rate override per tier. When a producer is scored, they are
placed into the band their composite score falls in, their current
tier assignment (with the score at assignment time) is updated, and
the tier appears on their record throughout the application. Tier
history is kept.

When a tier carries a **commission-rate override**, it becomes the
producer's *effective commission rate* while they hold the tier,
replacing their default rate (shown on the producer's Overview with a
"tier override" note).

Manual overrides
~~~~~~~~~~~~~~~~

Scoring is not always the whole story. On a producer's detail page,
managers can click **Change…** next to the tier and either pick a tier
directly or select *Automatic — from performance score*. A manually
picked tier is **pinned**: scoring runs leave it in place (the record
is labelled *manual override*) until someone switches the producer
back to automatic, at which point they are immediately re-tiered from
their latest score.

Reading the leaderboard
-----------------------

The Scorecards table shows **Rank**, **Producer**, their current
**Tier**, **Composite** score and the scored **Dimensions**, and can
be narrowed with the search box in the header. Scores are read-only —
they change when the scoring job next runs, not by manual edit.

Click a producer's row to open their **score detail page** — its own
URL, with a breadcrumb back to Scorecards and the producer name linking
through to their Hub. The page explains the composite through a
per-dimension breakdown (each dimension shown with a bar), and a
**Tier & pay** section shows the tier band the score falls in together
with the commission-rate override that tier carries — the whole
score → tier → commission link on one screen. If the board is empty
(*"No scores computed yet."*), scoring has not yet run for the period
or no production data has been ingested.