Per-Employee-Per-Year — and where you actually sit on the curve.
PEPY is the ultimate health-plan metric. Most employers don't know theirs. Most brokers don't surface it because the comparison is uncomfortable. Move the inputs to match your plan.
Sources · KFF Employer Health Benefits Survey, 2023 · Mercer National Survey of Employer-Sponsored Plans
Your plan
Where you sit in the band
Your PEPY of $15,313 is within the typical band for this cohort. The opportunity is incremental — pharmacy spend, stop-loss attachment, network leverage.
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Methodology and assumptions▾
Benchmark cohort · Industry × region × size band, with the band derived from public KFF and Mercer survey medians. The P25–P75 width is ~27% around the median, calibrated to the KFF survey's reported interquartile range.
Industry multipliers · Healthcare, financial services, and energy skew higher (more older employees, richer plans). Retail and hospitality skew lower (younger employees, leaner plans).
Region multipliers · Northeast +8%, West +5%, Midwest -4%, South -6%, relative to the national average.
Size multipliers · Larger employers retain scale leverage. Under-100 employers price +7%; 5,000+ employers price -10% versus the mid-market median.
What this is not · This is a directional benchmark, not a plan audit. The audit reconciles your actual 5500 schedule and claims data against the cohort.