For CFOs

Your health benefits are a major cost center. Treat them like one.

Employer Benefits IQ gives CFOs the financial intelligence to benchmark plan costs, model self-funding ROI, evaluate vendor financial terms, and quantify compliance risk — with no broker conflicts and no vendor influence.

Create free account Model self-funding ROI

$15,797

Average employer cost per employee

Family coverage, 2025 KFF survey

8–12%

Typical annual renewal increase

Fully insured, 2024–2025

20–30%

Potential savings from self-funding

For eligible employers

$2,500+

Average PBM savings per employee

With transparent contract terms

The CFO challenge

Health benefits: your largest unmanaged cost.

Health benefits are the 2nd or 3rd largest line item — with almost no cost visibility

Fully insured renewals with 8–15% increases and no explanation of what's driving costs

Self-funding proposals from brokers with no independent financial model to validate them

PBM rebate claims that can't be verified without contract audit rights

Stop-loss attachment points set by carriers with no market benchmark

Compliance penalties that surface as surprise liabilities — ACA, ERISA, MHPAEA

Financial intelligence tools

Tools built for financial decision-making.

Every tool is designed to give you the financial data and analysis you need to make defensible benefits decisions.

Benefits IQ Score™

Quantify your plan's performance across 12 performance domains with a scored assessment — pharmacy, stop-loss, cost containment, compliance, and more.

Check your score

Self-Funding Readiness Tool

Model the financial case for self-funding vs. fully insured — including stop-loss costs, cash flow risk, and expected savings.

Run the model

PBM Savings Estimator

Estimate potential PBM savings from rebate pass-through, spread pricing elimination, and formulary optimization.

Estimate savings

Stop-Loss Comparison Tool

Compare stop-loss carriers on attachment points, lasering practices, aggregate corridors, and financial terms.

Compare carriers

ACA Penalty Calculator

Calculate potential ACA employer mandate penalties based on your workforce size, offer rate, and affordability metrics.

Calculate exposure

Benefits ROI Calculator

Model the ROI of cost containment strategies — direct primary care, centers of excellence, reference-based pricing, and more.

Model ROI

Independent benchmarks

Know what you should be paying.

EBIQ benchmarks are sourced from DOL Form 5500 filings, HCCI, RAND, and KFF — not vendor-supplied statistics. Compare your plan costs against verified market data before your next renewal negotiation.

Explore benchmarks

Medical cost PMPM by plan size and industry

Pharmacy spend as % of total health spend

Stop-loss attachment point benchmarks

Administrative fee benchmarks

Benefits design cost benchmarks

Take control of your largest unmanaged cost.

Create a free account to unlock your Benefits IQ Score™, run financial models, and get personalized recommendations based on your plan profile.

Create free account For HR leaders →