Employer Benefits Scorecard
Overall Score
Benefits IQ Score™ — Acme Manufacturing Co.
Acme Manufacturing Co. has several solid practices in place — particularly in care navigation and compliance — but pharmacy spend, funding strategy, and financial performance represent material improvement opportunities estimated at $275K–$500K annually.
Top 3 Improvement Opportunities
Based on your domain scores and peer benchmarks, these three areas represent the highest-impact opportunities for Acme Manufacturing Co..
PBM contract lacks rebate pass-through and specialty management
Estimated $180K–$320K annual savings opportunity
Review PBM ContractFully-insured structure limits cost control and data access
Level-funding or self-funding could reduce costs 8–15%
Assess Self-Funding ReadinessPer-employee cost 11% above mid-market benchmark
Renewal trajectory projects $95K+ in avoidable cost increases
Model Renewal Impact12-Domain Performance Breakdown
Each domain is scored 0–100 and weighted by its relative impact on total plan performance. Scores are derived from completed tool assessments.
Per-employee cost is 11% above mid-market peers. Renewal trend suggests 8–12% increase without intervention.
Run the Renewal Impact Calculator to model alternative funding scenarios.
Renewal Impact CalculatorACA and ERISA filings are current. CAA 2026 gag-clause attestation completed. Mental Health Parity analysis is overdue.
Complete the CAA 2026 Employer Compliance Assessment to close the remaining gap.
CAA 2026 AssessmentFully-insured structure limits cost transparency and data access. Self-funding readiness score indicates moderate feasibility.
Use the Self-Funding Readiness Tool to evaluate transition options.
Self-Funding ReadinessPharmacy spend is 23% above benchmark. No rebate pass-through clause. Specialty drug management is absent from the contract.
Run the PBM Contract Review to identify high-risk contract terms.
PBM Contract ReviewSingle-option plan design limits employee choice. HDHP/HSA pairing is available but underutilized (18% enrollment).
Explore the Plan Design Optimizer to model multi-option architecture.
Plan Design OptimizerBenefits satisfaction survey scores are above average. Open enrollment communication is timely but lacks personalization.
Review the Benefits Communication & Enrollment Score for improvement opportunities.
Communication ScoreMachine-readable files are posted but not actively monitored. Price transparency tools are not promoted to employees.
Complete the Transparency in Coverage compliance review.
Transparency ReviewTPA contract is 4 years old with no performance guarantees. No formal vendor scorecard in place.
Use the TPA Comparison tool to benchmark your current administrator.
TPA ComparisonStop-loss specific deductible is above peer median for this group size. Aggregate corridor is 125%.
Run the Stop-Loss Sizing Tool to right-size your deductible.
Stop-Loss SizingVirtual primary care is available and utilization is strong at 34%. Centers of Excellence referrals are in place for oncology.
Maintain current navigation strategy and evaluate MSK program expansion.
Navigation ComparisonEAP utilization is below average at 4.2%. Non-quantitative treatment limitations have not been formally analyzed.
Complete the EAP & Mental Health Access Review.
Mental Health ReviewAnnual benefits guide is distributed but not available digitally. No year-round benefits communication cadence.
Review the Open Enrollment Communication Tips resource.
Communication TipsHow You Compare to Mid-Market Peers
Benchmarks are drawn from the EBIQ National Benefits Benchmark dataset for employers with 100–499 employees in manufacturing and distribution.
| Metric | Acme Manufacturing Co. | Peer Median | Delta |
|---|---|---|---|
| Per-Employee Cost | $8,420 | $7,580 | +11% |
| Pharmacy % of Claims | 28% | 22% | +6 pts |
| Stop-Loss Spec. Deductible | $85K | $75K | +$10K |
| EAP Utilization | 4.2% | 6.8% | -2.6 pts |
| HDHP/HSA Enrollment | 18% | 31% | -13 pts |
| Care Navigation Utilization | 34% | 28% | +6 pts |
Source: EBIQ National Benefits Benchmark, 2026 edition. Peer group: 100–499 employees, manufacturing/distribution. View full benchmark dataset →
Well Positioned
Compliance
ACA and ERISA filings are current.
Employee Experience
Benefits satisfaction survey scores are above average.
Care Navigation
Virtual primary care is available and utilization is strong at 34%.
Needs Attention
Financial Strategy
Per-employee cost is 11% above mid-market peers.
Funding Strategy
Fully-insured structure limits cost transparency and data access.
Pharmacy Benefits
Pharmacy spend is 23% above benchmark.
Complete your assessment to unlock
Score History & Trend
Track your composite score over time as you complete more tools and implement recommendations.
Personalized Action Plan
A prioritized roadmap of 10–15 specific actions ranked by estimated impact and implementation effort.
Tool Recommendations
AI-matched tool suggestions based on your weakest domains and highest-impact improvement opportunities.
Savings Estimates
Dollar-range estimates for each opportunity area based on your group size and current plan metrics.
Downloadable PDF Report
A branded, shareable PDF scorecard you can present to your broker, CFO, or benefits committee.
Benchmark Deep-Dives
Detailed peer comparisons across 20+ metrics segmented by industry, size, and funding arrangement.
See how your plan compares
The Benefits IQ Score™ is free, takes 8–12 minutes, and gives you a personalized 12-domain analysis with peer benchmarks and a prioritized action plan.
No credit card. No sales call required. Results delivered instantly.
How the Score Works
The Benefits IQ Score™ is a weighted composite across 12 performance domains. Each domain is scored 0–100 based on your responses to tool assessments. Domains are weighted by their relative impact on total plan cost and employee outcomes.
Score Bands
Methodology
Scores are based on employer-reported data from completed tool assessments. Benchmarks are drawn from the EBIQ National Benefits Benchmark dataset.
Read the full methodology