Understanding Your SmartScore Report

This guide explains every section of your SmartScore report so you can understand what your score means, what drives it, and what to do if something looks wrong.

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The Composite Score (250—1000)

Your composite score is a single number on a 250—1000 scale that summarizes your organization’s operational safety posture. Higher is better.

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Pillar Scores

The composite score is built from four weighted pillars. Each pillar receives its own score on the same 250—1000 scale.

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Organizational Foundation

Measures the structural elements that support safe operations: years in operation, fleet size and composition, organizational stability, and external certifications (IS-BAO stage, ARGUS rating).

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Operational Excellence

Measures day-to-day operational quality: maintenance compliance rates, dispatch quality, flight following coverage, MEL usage patterns, and route complexity management.

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Safety Risk Management

Measures the maturity of the operator’s safety risk management processes: reporting rate threshold, training completion rates, duty/rest compliance, and the presence of systematic safety processes.

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Human Capital & Resilience

Measures crew qualifications, experience depth, training investment, and organizational capacity: ATP percentage, average flight hours, recurrent training rates, simulator hours, and crew currency.

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Stoplight Indicators

The report uses green, yellow, and red indicators for each pillar and for key sub-metrics: Stoplight indicators appear in the executive summary section of the PDF report and provide a quick visual assessment before diving into the numbers.

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Reason Codes

Reason codes are the most actionable part of your report. Modeled after FICO credit score factors, they explain the top factors influencing your score — both positively and negatively.

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Positive Reason Codes (Top 5)

These highlight your strongest areas. Examples:

• “Fleet maintenance compliance rate exceeds 98%”
• “All pilots hold ATP certificates”
• “Recurrent training completion rate at 100%”
• “IS-BAO Stage 3 certification active”
• “Zero duty time violations in trailing 12 months”

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Negative Reason Codes (Top 5)

These highlight areas pulling your score down. Examples:

• “Three overdue maintenance items in trailing 90 days”
• “Flight following coverage below 90%”
• “Average crew experience below peer group median”
• “Recurrent training completion rate below 85%”
• “No external safety audit certification on file”

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Confidence Assessment

The confidence assessment tells you (and the insurer) how complete the data behind your score is. It does not affect your score value — a score with 40% data completeness is not penalized relative to a score with 90% completeness. Instead, completeness affects the confidence interval around your score. To improve confidence, ensure all relevant data categories in PlaneConnection are populated: fleet records, crew qualifications, training records, maintenance items, and dispatch data.

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Trend Direction

The trend indicator shows how your composite score has changed over the trailing 12 months:

• Improving (upward arrow) — score has increased by more than 25 points
• Stable (horizontal arrow) — score within +/- 25 points
• Declining (downward arrow) — score has decreased by more than 25 points

Insurers pay attention to trend direction. A moderately scored operator with an improving trend may be viewed more favorably than a higher-scored operator with a declining trend.

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Score Freshness

Every report includes a freshness indicator based on when the score was generated: If your report is approaching staleness, generate a fresh one before sharing it with your insurer.

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What to Do If Your Score Seems Wrong

If you believe your Insurer SmartScore contains errors or does not accurately reflect your operation, you can file a dispute:

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