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Benchmarking is useful. But it's not a strategy.

A lot of companies breathe a sigh of relief after benchmarking their plan. "Good news you’re right in line with the market." And for a moment, that feels reassuring. Until renewal comes around and nothing has actually changed.

Here's the thing: benchmarking tells you where you are. It doesn't tell you why you're there, or what to do about it.

From a CFO's perspective, averages don't control cost or reduce risk. From HR's side, they don't answer employee questions or untangle confusion. And for business owners, they don't create control they just create comfort.

Most plans don't go sideways because they're below average. They go sideways because of a handful of specific drivers: how employees are actually using the plan, where care is being delivered, and what's genuinely behind the claims.

Benchmarking can point out the problem. But it won't solve it.

The real shift is moving from comparison to clarity to understanding your data, your people, and your behavior patterns, and then building something that actually fits your situation. Because copying the market doesn't fix your plan. It just helps you blend in with everyone else who's dealing with the same issues.

One question worth sitting with: Do you know what's actually driving your costs or just how you compare? Is your broker asking the hard questions about what is working and not working?

Al Schiebel – [email protected] | 404-256-2171 An Oakbridge Insurance

https://youtu.be/AK1TtrFc7RI?si=HwQuj4hZfA8NE8Dd

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