Risk vs Churn in SaaS world

We are looking to start a risk account review and I am creating criteria for what qualifies as a Risk Customer that warrants executive review.   ARR, Renewal Date, Potential Upside are all easy criteria but I am starting to feel a bit blurred between this and my churn risk meetings as we have an annual subscription so if they are not adopting they should be at risk.    One way I was thinking about it was my Churn meeting is more immediate vs my risk are the up and comers for my churn risk?  

Would love to get anyone's thoughts on this and if someone has this process written up at all...I would be thrilled to see it.

Thank you,

Renée