What sits behind your Snapshot.
Published benefit data gives your plan a comparison point. The pilot score remains a design assessment, with its assumptions shown separately.
How comparisons are chosen
Medical comparisons use available firm-size, location and plan-type estimates. An HSA-qualified plan uses an HSA-specific estimate when one exists. Louisiana firms can use Louisiana AHRQ data, including firm-size bands. Broader US or all-plan-type estimates are labeled in the report when a closer reliable match is unavailable. Industry and employer sector are not matched in this release. MEPS figures describe private-sector coverage; KFF includes private and non-federal public firms.
Each measure can use a different source and population. Estimates are not pooled into a new average. Missing, suppressed or unreliable source cells are excluded; sampling errors are not turned into percentiles.
What a pilot grade means
The four categories retain their weights: Benefit value 30%, Financial protection 30%, Employee contributions 30%, and Core benefit breadth 10%. The scoring curve maps a reference value to 80/B. Its endpoints and letter thresholds remain Benefit Grader design policy, rather than observed market percentiles.
Published employee-contribution means replace reference values when an appropriate estimate exists. For copay plans with a positive deductible, a comparable raw deductible mean can also inform the reference. Copay averages that may apply after a deductible are shown as broader context, without treating them as exact pre-deductible scoring references.
HSA net deductible and net maximum remain explicit design targets until matched net-exposure benchmarks are available. Raw deductible, maximum and employer HSA funding are compared separately. A generic coinsurance input is not assigned a hospital-specific benchmark.
Core breadth measures whether the five benefits are available. Funding is displayed separately. BLS worker-access percentages are contextual prevalence, not scores for employer generosity.
Unknown facts stay unknown. Complete entries are not the same as verified facts, and no submitted facts are independently verified by this automated score.
AHRQ Medical Expenditure Panel Survey, Insurance Component, 2025 private-sector tables
Employees enrolled in employer-sponsored medical coverage at US private-sector establishments; Louisiana and US estimates by total firm employment.
Observation year 2025 · Published 2026-07 · Checked 2026-10-19
Public domain with attribution
KFF 2025 Employer Health Benefits Survey
US non-federal public and private firms with at least 10 workers; dollar estimates are weighted by covered workers, not equally by employers.
Observation year 2025 · Published 2025-10-22 · Checked 2026-10-19
Published aggregate factual estimates with attribution; no raw microdata
U.S. Bureau of Labor Statistics, Employee Benefits in the United States, March 2026
U.S. private-industry workers in the National Compensation Survey, including full-time and part-time workers; reference period March 2026.
Observation year 2026 · Published 2026-09-25 · Checked 2026-10-19
Public domain with attribution
KFF has announced its 2026 survey for October 22, 2026. It is not incorporated in this version. New estimates must be checked for definitions, populations and appropriate use before a new reference version is activated.
Reference version public-references-2026-10-19-v1. Saved submissions retain their original facts, scoring result and references. Client submissions are not automatically added to these benchmarks.