Average If No Zeros

I have a table of data (below) where "W"='Wins' and "T"='Target'. Each category is based on a win-type.

The objective is to calculate an average "Score" in the right-most column across all categories based on the person's goals. Two observations: (1) For instances where "W"=0 and "T"=0, this category should be ignored in the average calculation--both in the numerator and denominator; (2) for instances where there is a win but no target (e.g. Bob's Category 7) only the win should be counted--i.e. Bob would have 200% for Cat 7

I took a shot at it, seen in image below, but kept getting #VALUE! message.