REVENUE CONCENTRATION MIGRATION ANALYZER: ILLUSTRATIVE DEFAULT RECORD
OBSERVED PORTFOLIO
Period A revenue: $10,000,000
Period B revenue: $12,000,000
Period A contribution: $4,000,000
Period B contribution: $4,450,000
Top relationship share: 30.0% → 41.7%
Top-three revenue share: 75.0% → 80.8%
Revenue HHI: 2,218 → 2,671
Contribution HHI: 2,218 → 2,936
Revenue HHI movement: +453
RELATIONSHIP HHI EFFECTS
Relationship A: +836
Relationship B: −119
Relationship C: −122
Relationship D: −125
Relationship E: −20
Other: +2
FORWARD MIGRATION ASSUMPTIONS
Selected relationship: Relationship A
Period B length: 12 months
Planned selected-revenue reduction: 25.0%
Reduction starts: M2
Full reduction realized by: M4
Replacement starts: M2
Replacement fully realized by: M5
Replacement coverage: 120.0%
New replacement relationships: 3
Replacement contribution margin: 45.0%
Transition commitment: $25,000
Target ending revenue HHI: 1,900
Forward horizon: 6 months
FORWARD MIGRATION RESULT
Period B monthly revenue run rate: $1,000,000
Selected relationship monthly revenue run rate: $416,667
Selected relationship Period B contribution margin: 40.0%
Revenue reduced across horizon: $416,667
Replacement revenue across horizon: $437,500
Peak monthly transition revenue gap: −$10,417
Ending monthly revenue gap: +$20,833
Ending revenue HHI: 1,884
Ending top relationship share: 30.6%
Cumulative contribution impact: +$5,208
Payback month: M6
OPERATING THRESHOLDS
Minimum replacement coverage for non-negative cumulative contribution: 116.8%
Minimum replacement relationships required to reach ending HHI target of 1,900: 3
Latest replacement start preserving non-negative cumulative contribution: M2
MONTHLY FORWARD PATH
M1: selected revenue reduced $0 | replacement revenue $0 | revenue gap $0 | revenue HHI 2,671 | top share 41.7% | contribution impact −$25,000 | cumulative −$25,000
M2: selected revenue reduced $34,722 | replacement revenue $31,250 | revenue gap −$3,472 | revenue HHI 2,414 | top share 38.3% | contribution impact +$174 | cumulative −$24,826
M3: selected revenue reduced $69,444 | replacement revenue $62,500 | revenue gap −$6,944 | revenue HHI 2,184 | top share 35.0% | contribution impact +$347 | cumulative −$24,479
M4: selected revenue reduced $104,167 | replacement revenue $93,750 | revenue gap −$10,417 | revenue HHI 1,982 | top share 31.6% | contribution impact +$521 | cumulative −$23,958
M5: selected revenue reduced $104,167 | replacement revenue $125,000 | revenue gap +$20,833 | revenue HHI 1,884 | top share 30.6% | contribution impact +$14,583 | cumulative −$9,375
M6: selected revenue reduced $104,167 | replacement revenue $125,000 | revenue gap +$20,833 | revenue HHI 1,884 | top share 30.6% | contribution impact +$14,583 | cumulative +$5,208
METHOD STATUS
Management-entered assumptions. Observed revenue HHI equals the sum of squared relationship revenue shares multiplied by 10,000. Each relationship HHI effect equals its Period B squared revenue share less its Period A squared revenue share, multiplied by 10,000. The forward analysis starts from Period B monthly relationship revenue and contribution economics. Selected-relationship revenue reduction phases in linearly from the entered start month through the entered full-reduction month. Replacement revenue phases in independently from the entered replacement start month through the entered full-replacement month and is divided equally across the entered number of new relationships. Monthly revenue HHI is recalculated using the remaining existing relationship revenue plus the new replacement relationships. Contribution impact equals contribution lost with selected-relationship revenue plus contribution generated by replacement revenue, less the one-time transition commitment in M1. No external concentration, HHI, replacement, margin, or migration benchmark is used.
