July 16, 2025
$500 PPO
$3,300 HDHP
Dental - Base Plan
Dental - Buy Up Plan Vision
1 Introduction
The Methodology Behind Accurate Benchmarking
Big Data, Smarter Insights
Bnchmrk leverages advanced technology and proprietary tools for data-driven benefits benchmarking. Unlike traditional methods with limited datasets, Bnchmrk enables licensed users to instantly analyze extensive plan data, uncovering patterns, trends, and insights often missed by smaller datasets.
Real-Time Plan Data
Accurate plan data is essential for quality analytics. Bnchmrk’s broad network of benefit consultants and employers supplies real-time data via our National Data Survey. Validated imports from the web or account systems integrate seamlessly into our proprietary dataset, ensuring trusted reporting.
Strict Data Validation
Reliable benchmarking requires a trusted dataset.
Bnchmrk’s multi-stage validation ensures employer and plan records meet the highest standards. Dynamic form rules provide instant feedback, accepting only data that passes strict quality checks—delivering accurate metrics and actionable insights.
Actionable Benchmarking
With access to a robust, independently validated dataset, users can make objective, data-driven decisions about their benefit plans. Bnchmrk’s approach combines a trusted database with tools to define specific cohorts, enabling employers to benchmark their offerings, identify gaps, and align strategies with organizational goals and competitive demands.
1 Introduction A Guide to the Report Analytics
Your Cohort is built on rich employer data, providing insights through highlighted benefits, benchmark tables, and graphs to identify gaps and drive improvements. Benefits reviewed in the report are introduced with a title page overview. Macro data for the benefit is confirmed including the proportion of your Cohort utilizing certain benefit features.
Benchmark Tables
Benchmark Tables summarize key analytics by grouping related data points for clarity. Each table organizes data points in rows, with columns showing Low, Median, and High benchmarks for your Cohort.
When an employer’s plan is added for comparison, additional columns appear:
• Your Plan: Displays the employer's plan value for each data point.
• Your Ranking: Shows the percentile ranking of the plan within your Cohort.
7% of plans are integrated with Health Reimbursement Arrangements (HRAs).
1 Introduction A Guide to the Report Analytics (cont.)
Distribution Graphs
Percentile Graphs provide a clear visual representation of how a plan compares within a selected cohort. By mapping data along a percentile scale, these graphs help identify where a plan falls relative to benchmarks, offering a quick and intuitive way to assess competitiveness.
These graphs organize plan data from least to most competitive within your cohort, providing a clear view of industry benchmarks.
Key features include:
• Percentile Markers: Benchmarks for the 25th, 50th, and 75th percentiles represent noncompetitive (low), expected (median), and competitive (high) values.
• Your Plan: Displays the employer's plan value for each data point.
Individual Deductibles (In-Network) | Distribution Graph Medical/Rx Plans: HDHP
1
Introduction
Data Overview and Cohort Dataset
This benchmarking report is a tool for assessing the effectiveness and competitiveness of employee benefit plans. The analytics and metrics within the report offer an objective measure of employee benefit plan offerings against a carefully selected group of employer/peer organizations, your Cohort Dataset.
Gibson is proud to partner with Bnchmrk, a leader in employee benefits benchmarking, to create this report. For a detailed overview of Bnchmrk’s data sources and collection methods, please refer to Appendix A.
Your Cohort Dataset
This report presents analytics based on data from a focused group of 24 employers forming your Cohort Dataset, filtered from a comprehensive dataset of 11,043 employers and 68,746 benefit plans. The following criteria determined the group.
Industry
Services (Consulting Services)
Location
Arizona
Headcounts
All
2
Medical/Rx Plans Plans Overview
This section offers a detailed analysis of employer-sponsored Medical and Prescription Drug plans, examining key plan design features, employee contributions, and gross premium rates.
Our analysis reveals clear patterns in how employers approach Medical coverage, highlighting key trends in the current market as illustrated in the charts below.
The majority of surveyed employers offering a Medical benefit, provide three or more plans.
The most common plan type is HDHP, provided by 92% of employers.
68% of Medical plans analyzed are Fully-Insured.
2
Medical/Rx Plans
Up Next: Plan Analysis Details
Plan Name
$500 PPO
Type
EPO, POS, PPO
Carrier
Cigna
Effective
January 1st, 2025
2% of plans are integrated with Health Reimbursement Arrangements (HRAs).
38% with Flexible Spending Accounts (FSAs).
2% of plans are available to part-time employees.
Individual
Deductibles IN | Distribution Graph Medical/Rx Plans: PPO, POS, EPO
Contribution Rates
2% of plans apply salary-banding to employee contribution rates.
0% of plans implement a tobacco surcharge.
0% of plans impose a spousal surcharge.
Contributions are shown as dollar amounts on an annual basis.
Employee Only Contributions | Distribution Graph Medical/Rx Plans: PPO, POS, EPO
Plans: PPO, POS, EPO Medical/Rx Plans: PPO, POS, EPO
Breakdown of Rx-Only Deductible
Breakdown of Rx-Only Max OOP
Plans with Separate Rx Deductibles.
Plans with Separate Rx Maximums.
2
Medical/Rx Plans
Up Next: Plan Analysis Details
Plan Name
$3,300 HDHP
Type
HDHP
Carrier
Cigna
Effective
January 1st, 2025
3% of plans are integrated with Health Reimbursement Arrangements (HRAs).
3% of plans are available to part-time employees.
Individual Deductibles IN | Distribution Graph
10% of plans apply salary-banding to employee contribution rates.
0% of plans implement a tobacco surcharge.
0% of plans impose a spousal surcharge.
Contributions are shown as dollar amounts on an annual basis.
Employee Only Contributions | Distribution Graph
Medical/Rx Plans: HDHP Percentile Rank
Breakdown of HSA Account Offering
Breakdown of HSA Employer Funding
3
Dental Plans Plans Overview
This section provides a comprehensive analysis of employer-sponsored Dental plans, highlighting key plan features, annual premium rates, and employee contributions.
Our analysis reveals clear patterns in how employers approach Dental coverage, highlighting key trends in the current market as illustrated in the charts below.
The majority of surveyed employers offering a Dental benefit, provide two plans.
The most common plan type is DPPO, provided by 100% of employers.
67% of Dental plans analyzed are Fully-Insured.
Dental Plans
Up Next: Plan Analysis Details
Plan Name
Dental - Base Plan
Type
DPPO
Carrier
Delta Dental
Effective
January 1st, 2025
Dental Plans: DPPO
Annual Maximums IN | Distribution Graph
Dental Plans
Up Next: Plan Analysis Details
Plan Name
Dental - Buy Up Plan
Type
DPPO
Carrier
Delta Dental
Effective
January 1st, 2025
Dental Plans: DPPO
Annual
Maximums IN | Distribution Graph
4 Vision Plans Plans Overview
This section provides an in-depth analysis of employer-sponsored Vision plans, focusing on key benefits such as exams, lenses, and frames, as well as premium rates and employee contributions.
Our analysis reveals clear patterns in how employers approach Vision coverage, highlighting key trends in the current market as illustrated in the charts below.
The majority of surveyed employers offering a Vision benefit, provide one plan.
83% of Vision plans analyzed are Fully-Insured.
Up Next: Plan Analysis Details
Plan Name
Vision
Carrier
Mutual of Omaha
Effective
January 1st, 2025
Employee Only Contributions | Distribution Graph
Employee Only Gross Premiums | Distribution Graph
5
Life and AD&D Plans Plans Overview
This section provides a detailed analysis of employer-sponsored Life and Accidental Death & Dismemberment (AD&D) plans, highlighting key benefits that support financial security.
Our analysis reveals clear patterns in how employers approach Life coverage, highlighting key trends in the current market as illustrated in the charts below.
The majority of surveyed employers offering a Life benefit, provide one plan.
The most common plan type is Multiple of Salary, provided by 69% of employers.
87% of Life plans analyzed in this report are 100% employer paid.
Up Next: Plan Analysis Details
Flat Amount Mutual of Omaha
Effective
January 1st, 2025
Coverage Metrics
Amounts | Distribution Graph
Short-Term Disability Plans Plans Overview
This section provides an in-depth look at employer-sponsored Short Term Disability (STD) plans, focusing on key features that support employees during temporary disabilities.
Our analysis reveals clear patterns in how employers approach STD coverage, highlighting key trends in the current market as illustrated in the charts below.
The majority of surveyed employers offering a STD benefit, provide one plan. 67% of STD plans analyzed in this report are 100% employer paid.
Short-Term Disability Plans
Up Next: Plan Analysis Details
Plan Name
Short Term Disability
Carrier
Mutual of Omaha
Effective
January 1st, 2025
Long-Term Disability Plans Plans Overview
This section provides a comprehensive analysis of employer-sponsored Long-Term Disability (LTD) plans across your peers. Based on data from ${employer_count} employers in your Cohort Dataset, we examine how organizations structure these critical benefits that safeguard employees' financial security during extended periods of disability.
Our analysis reveals clear patterns in how employers approach LTD coverage, highlighting key trends in the current market as illustrated in the charts below.
The majority of surveyed employers offering a LTD benefit, provide one plan.
68% of LTD plans analyzed in this report are 100% employer paid.
7
Long-Term Disability Plans
Up Next: Plan Analysis Details
Plan Name
Long Term Disability
Carrier
Mutual of Omaha
Effective
January 1st, 2025
Long-Term Disability Plans
Coverage Metrics
Maximums | Distribution Graph
8 Appendix
Supplementary Materials
The appendix provides additional resources and insights to support the main report. These materials offer deeper context and detailed analytics to enhance your understanding of the benchmarking results.
Included in this Appendix:
Cohort Breakdown: Distribution of employers by selected filter criteria.
Glossary: Definitions of key terms and concepts.
8 Appendix
Your Cohort Breakdown
The benchmarking analytics in this report are based on a dataset of 24 employers, collectively referred to as your Cohort. The tables to the right show how these employers are distributed according to the selected filter criteria. The percentages indicate the proportion of employers in your Cohort that meet each specific filter option.
Industry Breakdown
Services - Consulting Services (100%)
Location Breakdown
Arizona (100%)
Filter criteria assigned to your account in Bnchmrk’s de-identified database: Industry: Administrative Management and General Management Consulting Services | Location: AZ | Size: 53 EEs
Glossary Aggregate
Combining data from multiple sources to create a total measure. Aggregation provides a summary, while distribution shows variability within the dataset.
Cohort
A filtered dataset of employers meeting userspecified criteria (industry, location, headcount) from Bnchmrk’s Total Employer Dataset. The Cohort's plan data is aggregated to generate report analytics.
Distribution
The spread of data across a range, showing how values (e.g., deductibles, contributions) compare. A graph can illustrate clustering, even spread, or skewness.
Total Employer Dataset
The full set of validated employers with current plans and rates. Users filter this dataset to create a customized Cohort.
Benchmark
A reference point for comparison. Bnchmrk reports include three benchmarks: the median (50th percentile), low (25th percentile), and high (75th percentile).
Data Point
A single measurement in a dataset, such as an employee-only premium or the percentage of employers offering an HSA with an HDHP.
Ranking / Percentile Ranking
When comparing an employer's plan to a Cohort, the report assigns a percentile ranking based on its position within the Cohort’s value distribution.