Group Benefits Policy Comparison
Minimize costs and maximize coverage by comparing market options
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How to Identify the Right Group Benefits for Employees
When it comes to employee benefits to businesses, the most commonly sought-after are group insurance.
Designing and managing group benefits can be a challenge. Key questions you may be asking yourself include:
- Are the employee benefits cost-effective?
- Are the employee benefits meeting my needs?
- Are the employees engaged in employee benefits?
- Are the employee benefits helping me achieve my goals?
- Are the employee benefits providing the right value to the employees?
Every business, no matter how big or small wants affordable benefits that add value to their employees.
Business owners want a group benefits program that helps them:
- Retain talentÂ
- Recruit new talent
- Are not overly expensive
- Provide the right value to their employees
Why Should I Benchmark My Group Benefits Plan?
Benefits benchmarking is an analysis of how your employee benefits offerings compare to those of other employers.
This comparison will look at current market options to help you evaluate your current plan. Â In addition, Â it will allow you to determine if better market options are available to:
- Increase your plan's value
- Decrease your plan's cost
It takes several factors into account, including:
- Plan designs
- Voluntary offerings
- Total benefits costs
- Cost-sharing measures
- Worker’s compensation
Depending on the data used in the analysis, you may be able to view costs and savings on a granular level.
Employee Group Benefits Trends
Covid-19 has caused a drastic change in how employers approach employee benefits. Because of the decreasing workforce, businesses are struggling to get qualified employees.
As such, employers must adapt to the new marketplace in order to attract key talent.
The Hartford's Future of Benefits Study conducted in 2026, reviews insights about the U.S. workforce's current benefits, trends, and preferences.
Hartford 2026 Future Benefits Study
Unexpected medical costs remain a concern for employees. According to The Hartford’s 2026 Future of Benefits Study, half of U.S. workers surveyed were unsure whether they would have enough money for future medical care.
Among workers who enrolled in supplemental health benefits, the leading reasons included:
- 62%: Greater peace of mind about unexpected health events.
- 48%: Help paying out-of-pocket expenses.
- 37%: Filling gaps in medical or prescription coverage.
Benefits such as accident, critical illness, and hospital indemnity insurance may help employees manage eligible expenses, depending on the coverage selected and policy terms.
Source: The Hartford’s 2026 Future of Benefits Study; survey of 1,000 actively employed U.S. workers conducted December 3–11, 2025. Findings released May 7, 2026.
Employee Benefits Packages Trend
Does your benefits package support the things that matter most—health, financial security, and time away from work?
SHRM’s 2026 Employee Benefits Survey asked HR professionals across the United States about their organizations’ benefits. Among employers surveyed, the following benefits were rated very or extremely important:
- Health-related benefits: 88%
- Retirement benefits: 82%
- Leave benefits: 82%
Family-support benefits also expanded. Paid parental leave was offered by 46% of employers, up from 39% in 2025, while paid family leave reached 36%, up from 31%.
For businesses looking to recruit and retain talent, reviewing your benefits package—and asking employees what they value—may help identify gaps and opportunities to strengthen your offering.
Source: SHRM 2026 Employee Benefits Survey, released June 17, 2026. Survey conducted January 28–March 23, 2026.
Types of Group Insurance
Below are the most common types of employee benefits insurance we work with business owners on:
Group Benefits Advisor Services
Langan Financial Group can help business owners review their group benefits and insurance options against current market policies.
Our employee benefits consultants can look for ways to help you:
- Save money
- Increase your benefits value
- Deliver a benefits plan that aligns with your goals and needs
Langan Financial Group is not tied to a specific benefits provider. This allows us to compare products from numerous insurance companies to see what policies aligns best with your group benefits needs.
We will do our best to provide you with the best options to choose from. We will review each benefits packages' pros and cons to help you fully understand what they offer and cost.
Get started today
Contact Us Today
Chat with a Group Benefits Consultant
Langan Financial Group's group benefits advisors have over 50 years of experience servicing insurance policies for organizations.
Give us a call at 717-288-1880 to see how our local advisors can help with your group insurance needs. Or visit our group benefits advisor contact page to fill out an inquiry.
FREE Benchmark Comparison Services
Financial Advisor Locations:
Camp Hill, PA Financial Planning Office
York, Pa Financial Planning Office
Harrisburg, PA Financial Planners
Communities Served:
Langan Financial Group, LLC ("Langan Financial Group" or "LFG") is an SEC registered investment adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. LFG may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.
Important information about our firm is on our Disclosures page. You can review our registration and disciplinary history on the SEC's Investment Adviser Public Disclosure (IAPD) website and, for brokerage registrations, on FINRA's BrokerCheck. This website is for general information only. It is not legal, accounting, or tax advice. Please talk with your own legal or tax professional about your situation. Important information about our firm is on our Disclosures page.
You can review our registration and disciplinary history on the SEC's Investment Adviser Public Disclosure (IAPD), website and, for brokerage registrations, on FINRA's BrokerCheck.
This website is for general information only. It is not legal, professional about your situation.
© Langan Financial Group
Harrisburg, PA Office
Address: 1863 Center St, Camp Hill, Pa 17011
Phone: 717-288-1880
York, PA Office
Address: 3405 Board Rd, Suite 200, York, Pa 17406
Phone: 717-773-4085
