Mployer Advisor

Mployer is pleased to announce the winners of its sixth annual Top Employee Benefits Consultant Awards for 2026, recognizing brokerage offices nationwide that deliver exceptional value and client satisfaction in employee benefits. The program highlights nearly 1,000 brokerage office locations, approximately 10% of offices nationally, that have demonstrated excellence in benefit strategy and client outcomes, underscoring the critical role advisors play in shaping the health, welfare, and employee experience of more than 160 million Americans.

According to Mployer Insights’ 2026 analysis of 76,000+ employer benefit plans, basic group life insurance achieves near-universal participation with an 83% employer offer rate and a 97% employee enrollment rate, driven by the fact that 96% of basic plans are noncontributory (100% employer-paid). While 47% of employers structure life insurance as a variable multiple of earnings—with 1x salary serving as the dominant national standard (62% of multiple-based plans)—flat-dollar benefit options vary widely from $8,500 (10th percentile) to $48,793 (90th percentile). Additionally, 92% of employers offer employee-paid voluntary life insurance to allow workers to bridge the gap toward the recommended 10–12x salary coverage target.

According to Mployer Insights’ 2026 analysis of 76,000+ employer benefit plans, disability insurance remains a major market differentiator, with only 41% of U.S. employers offering short-term disability (STD) and 38% offering long-term disability (LTD). While 60% salary replacement serves as the national standard across both benefit types, standard plan designs disproportionately expose higher earners due to median benefit caps of $1,602/week for STD and $8,273/month for LTD. Furthermore, alignment between STD benefit durations (median 26 weeks) and LTD elimination periods (68% at 90 days) remains a critical area for plan structure optimization.

According to Mployer Insights’ 2026 analysis of 50,000+ employer health plans, prescription drugs account for over 25% of total benefit expenses, with Tier 4 specialty drugs driving the majority of high-cost claims. While Tier 4 copays average $123 with coinsurance requirements in 31% of plans, individual oncology therapies like Darzalex Faspro ($170,800/yr) and Keytruda ($158,200/yr) frequently exceed average individual stop-loss deductibles ($141,938). To mitigate exposure, self-funded employers are increasingly turning to independent, transparent PBM models and biosimilar substitution—which yields up to a 73% net cost reduction per patient.

Mployer, the industry's leading employee benefits and insurance intelligence platform, today announced its Expanded AI Release powered by Anthropic. This release is a major expansion of the AI and agentic abilities already built across its products, and it includes the broad release of its MCP (Model Context Protocol) Server and Claude Connectors