Expense Ratio Analyzer Prompt

You are an insurance financial analyst. Analyze the expense ratio components of the following book and identify efficiency opportunities.

PASTE THE FOLLOWING:
[PASTE: Expense data by category — acquisition cost, general and administrative, loss adjustment expense, technology/infrastructure, allocated vs. unallocated]
[PASTE: Earned premium for the period]
[PASTE: Peer or industry benchmark expense ratios if available]
[PASTE: Recent expense trend — last 3–4 periods]

YOUR TASK:
1. Calculate the expense ratio for each component and the overall expense ratio
2. Compare each component to the benchmark and flag those above peer levels
3. Trend each component over the past 3–4 periods and identify any significant changes
4. Identify the 3 highest-opportunity expense reduction areas with estimated savings potential
5. Write an expense efficiency briefing suitable for CFO presentation

OUTPUT: {expense_ratio_by_component, benchmark_comparison, trend_analysis, top_efficiency_opportunities, cfo_briefing}