构建可执行的KG评估基准，测试保险合同中知识缺口与重叠分析能力

Task-oriented evaluation of knowledge graph (KG) quality increasingly asks whether an ontology-based representation can answer the competency questions that users actually care about, in a manner that is reproducible, explainable, and traceable to evidence. This paper adopts that perspective and focuses on gap and overlap analysis for policy-like documents (e.g., insurance contracts), where given a scenario, which documents support it (overlap) and which do not (gap), with defensible justifications. The resulting gap/overlap determinations are typically driven by genuine differences in coverage and restrictions rather than missing data, making the task a direct test of KG task readiness rather than a test of missing facts or query expressiveness. We present an executable and auditable benchmark that aligns natural-language contract text with a formal ontology and evidence-linked ground truth, enabling systematic comparison of methods. The benchmark includes: (i) ten simplified yet diverse life-insurance contracts reviewed by a domain expert, (ii) a domain ontology (TBox) with an instantiated knowledge base (ABox) populated from contract facts, and (iii) 58 structured scenarios paired with SPARQL queries with contract-level outcomes and clause-level excerpts that justify each label. Using this resource, we compare a text-only LLM baseline that infers outcomes directly from contract text against an ontology-driven pipeline that answers the same scenarios over the instantiated KG, demonstrating that explicit modeling improves consistency and diagnosis for gap/overlap analyses. Although demonstrated for gap and overlap analysis, the benchmark is intended as a reusable template for evaluating KG quality and supporting downstream work such as ontology learning, KG population, and evidence-grounded question answering.