Mployer Advisor

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

Understanding your 401(k) plan is a crucial step in securing your financial future. For employees of Surgicor, LLC, the company offers a robust retirement savings vehicle designed to help you build wealth for the long term. This guide provides a detailed look into the specifics of the Surgicor, LLC 401(k) plan, offering insights into its features, how to manage your funds, and essential company information.

Understanding your 401(k) plan is a crucial step in securing your financial future. For employees of Lumina Foods, the company offers a robust retirement savings vehicle designed to help you build wealth for the long term. This guide provides a detailed look into the specifics of the Lumina Foods 401(k) plan, offering insights into its features, how to manage your funds, and essential company information.