Book health & discount banding
Risk banding, tier movement and the discount liability that follows it. Trends here answer one question: is the book getting healthier fast enough to justify the discounts.
Trends
2026-Q2 vs 2026-Q3 · daily data runs 2026-03-27 → 2026-09-22
Insights
Discount spend follows tier movement one-for-one. Set against it the persistency gap on the Engagement screen: engaged members lapse less, which is where the discount is recovered.
Missing the gate makes a member Unrated, which removes their discount without any change in health. A wear reminder before quarter close is the cheapest retention action available.
Above the 40% low-water mark: members are qualifying by getting healthier, not only by already being healthy.
By segment
Rows below the minimum cell size are suppressed, never rounded.
| Segment | Enrolled | Sharing | Peak Consistency | Fitness Age Gap | Net migration |
|---|---|---|---|---|---|
3.2 Priority avg tier 3.2 | 263 | 59% | 32% | +1.3 yrs | → Steady |
2.9 Priority Private avg tier 2.9 | 105 | 80% | 28% | +1.1 yrs | ▲ Improving +1 |
3.2 Private Banking avg tier 3.2 | 32 | 78% | Suppressed · 9 monitored, minimum 10 | ||