Somebody tells you your click rate should be above five percent. On a branded search you might get twenty, and on a broad research term two percent might be the correct answer. The benchmark is the wrong tool.
It tells you how well your ad matched what the person searched for. That is genuinely useful, because Google documents expected click through rate as one of the components of ad quality, which moves what you pay. It tells you nothing about whether those clicks bought anything.
Branded searches, where the person typed your company name, click far more than anything else. Mixing them with generic searches produces an average that describes nothing. So does mixing search with display, where a fraction of a percent is normal.
Bid only on your own brand name and your click rate jumps. Add a discount to every ad and it jumps again. Both raise the number and neither adds a customer, and the second one costs you margin on people who would have paid full price.
If your ad shows for the right searches and people do not click, the ad is not saying what they need to hear, or your competitors are saying it better. Read the top three ads for your own main keyword and compare them with yours honestly.
This is teaching material and our own reading of public documentation, not advice for your specific account. Check anything important with your own specialist before you act on it.
Run the calculator, then tell us what it showed. We reply with what to fix first and why. No call, no pitch.