1、2021S EBoContentsTrends and Insights Following a Year of Disruption.Executive Summary.Employer Benefit Offerings.Health Plan Premiums and Out-of-Pocket Costs.Health Plan Participation.Voluntary Benefits Participation.Looking Ahead.About the Data.About Benefitfocus.Appendix.For more information,visit

2、https:/ and Insights Following a Year of DisruptionBenefitfocus is pleased to present the State of Employee Benefits 2021 report the latest of our original series established in 2016.This years report has been expanded to include four years of employee benefit plan design and participation,highlight

3、ing key trends that are shaping the future.But first,here are a few things you should know about the report.Real benefits data,real employee behavior.This report is not a survey.Most reports on employee benefits are based on survey responses from a sample of a few thousand employees or administrator

4、s.While these surveys can be helpful trend indicators,they lack precision due to their reliance on retrospective,self-reported,algorithm-enhanced data.The State of Employee Benefits is different.Weve aggregated,anonymized and analyzed 3.5 million actual enrollment records from our large employer cus

5、tomers(1,000+employees).Both the nature and scope of the data make this report a one-of-a-kind look at employee benefits data and decisions what benefit plans employers are offering,which plans employees are selecting,what its costing and more.Who is this report intended to serve?This report is for

6、anyone seeking valuable insight into employee benefit trends over the last four years,with specific focus on the impacts of COVID-19.This includes benefit managers and administrators,HR executives,financial executives,insurance carriers,brokers,consultants,third-party administrators,policymakers,the