The Workforce Risk Scorecard scores four areas — coverage, compliance, cost, and continuity — and rolls them into a single band. It is a starting point for a conversation, not a verdict.

The four areas it measures

  • Coverage — whether your protection matches your actual headcount and roles.
  • Compliance — alignment with EBA, Award, and legislative obligations.
  • Cost — how efficiently your spend converts into employee benefit.
  • Continuity — how well cover survives leave, growth, and restructure.

A green band is not a finish line. It means your foundations are sound enough to build on.

Where to act first

Treat compliance gaps as urgent, coverage gaps as important, and cost as the optimisation you do once the first two are settled. Continuity tends to surface only during a claim — which is exactly why it is worth checking before one.