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2025 Benepass Benefits Benchmarking Snapshot

We analyzed data from 

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 employees

 to reveal how top

employers are designing high-impact, flexible benefits. Ready to see how you stack up?

We analyzed data from 203 companies and 400,000+ employees to reveal how top employers are designing high-impact, flexible benefits. Ready to see how you stack up?

to reveal how top employers are designing high-impact, flexible benefits. Ready to see how you stack up?

Explore the data

 Inside the dataset 

Data from the teams shaping the future of benefits

This year’s benchmarking guide brings together insights from a diverse mix of employers—spanning industries, company sizes, and locations—to show how today’s leading teams are approaching benefits.
Company sizes analyzed
From small businesses to large enterprises, the data reflects the diverse needs of companies across different growth stages.

num. of employees

<300
300–999
1,000+
Top 3 industries
Our analysis highlights the industries leading the way in benefits innovation and employee support.
37%
18%
12%
Tech
Healthcare & Biotech
Professional Services & Business
Geographic footprint
Employers span the globe, reflecting the challenges and opportunities of managing benefits for a distributed workforce.
53%
1-14 U.S. states
31%
15-30 states
16%
30+ states

Coverage spans organizations operating across 80+ countries

Account types offered
Employers take different approaches to benefits, from lifestyle-focused options to comprehensive pre-tax solutions.
42%
LSA only
25%
Pre-tax only
33%
LSA & pre-tax

Pre-tax benefits in motion

Spending, saving, and supporting what matters

Pre-tax benefits remain a cornerstone of employer-sponsored plans. They help employees stretch their dollars while supporting everyday needs—like doctor visits, childcare, and commuting.
Most popular pre-tax accounts offered
Employers are maximizing tax savings and financial wellness by offering a range of pre-tax benefits that address everyday healthcare, commuting, and dependent care needs. This data reflects the percentage of pre-tax customers offering each account type.
HCFSA
DCFSA
Transit
Parking
HSA
LPFSA
HRA
95%
94%
78%
74%
69%
69%
17%
Median employee elections per year
Pre-tax elections reflect how employees prioritize healthcare, childcare, and commuting costs. See the median amounts employees are setting aside.
DCFSA
HCFSA
LPFSA
Transit
Parking
$4,000
$1,400
$1,000
$600
$480
Employer contribution trends
While pre-tax accounts primarily rely on employee contributions, many employers are stepping in to provide additional support. See how employers are contributing across various pre-tax benefit accounts.
HRA
HSA(employee + family)
HSA(employee only)
Commuter
HCFSA
DCFSA
HSA
$2,750
$1,800
$900
$1,200
$500
$150
$64
Card-first experience
This data shows the percentage of total pre-tax benefit dollars spent via card, highlighting the importance of swipe-first transactions for employee convenience. While DCFSAs have lower card spend (5%) due to provider limitations, the card remains the dominant method for most other accounts.
Transit
HCFSA
HRA
Parking
LPFSA
DCFSA
99%
75%
72%
66%
55%
5%
Auto-substantiation by service type
Auto-substantiation reduces administrative burden by automatically verifying eligible expenses at the point of sale. This data shows the percentage of transactions that were auto-substantiated, reflecting the reliability of this real-time process.
Dentist /
Orthodontist
Optometrist /
Ophthalmologist
Chiropractor
Hospital
Dr. Office
Medical Labs
Pharmacy /
Drug Stores
Other Medical
Services
98%
98%
97%
96%
96%
95%
94%
90%
Utilization of funds
Employees are making the most of their pre-tax benefits, with strong usage across key account types. Understanding these average utilization rates helps employers optimize plan design and ensure their programs are delivering real value.
HCFSA
DCFSA
LPFSA
Parking
Transit
HRA
76%
74%
73%
71%
68%
60%

LSA funding is up—way up

Companies are investing more in flexible support.

The median annual LSA contribution rose across 10+ categories. Benefits once considered niche are now getting real budget.
Biggest YoY increases in annual median LSA contributions
Employers are doubling down on high-impact benefits, significantly increasing annual median LSA contributions in key categories.

Mental Health

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Avg. contribution: $1,200

Food

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Avg. contribution: $4,800

Medical Travel

+

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%

Avg. contribution: $4,000

Work From Home

+

2

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%

Avg. contribution: $1,200

Broad LSA

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Avg. contribution: $1,200

Fitness & Wellness

+

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Avg. contribution: $750

Professional Enrichment

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Avg. contribution: $1,200

The building blocks of LSA design

The structure of your LSA matters just as much as the spend.

Contribution cadence, expiration policy, and eligibility all shape how employees engage—and how employers control cost, especially when designing flexible Broad LSAs.
Most common contribution cadences
When it comes to funding LSAs, timing matters. This data shows the most common contribution cadences, reflecting how employers balance flexibility, budget planning, and employee engagement.
56%
Monthly
11%
Quarterly
29%
Annually
Semi-annually (2%)
Other (2%)
Expiration strategies
Choosing the right expiration cadence can drive engagement and reduce unspent funds. This data shows the most common strategies employers use to encourage timely benefit use.
15%
Monthly
8%
Quarterly
74%
Annually
Semi-Annually (3%)
The top 5 spending categories covered in a Broad LSA
When designing Broad LSAs, employers prioritize a wide range of wellness-focused expenses. This data shows the percentage of accounts that cover each category, reflecting the most popular choices for flexible, personalized benefits.
Fitness
Spa
Nutrition
Mental Health
Entertainment
94%
94%
92%
92%
89%

Global reach, real-world impact

Smarter benefits, everywhere your teams work.

Our data reflects the growing need for global, flexible benefits that travel with your workforce.

Countries covered

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Employees represented

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Global spend

$

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+

Card transactions

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Claims processed

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+

High employee engagement in key markets
Employees are logging in and using their benefits regularly, with especially high engagement in:
88%
85%
76%
🇺🇸 United States
🇵🇭 Philippines
🇮🇳 India
Top card usage by transaction volume
Employees in large markets are choosing to swipe, not submit receipts.
91%
83%
77%
🇲🇽 Mexico
🇧🇷 Brazil
🇨🇳 China
Top card usage by total spend
A majority of benefit dollars are being spent directly on card—not through claims—in high-population regions.
84%
60%
56%
🇲🇽 Mexico
🇧🇷 Brazil
🇺🇸 United States

Where smarter benefits begin

You’ve seen the benchmarks. Now build better benefits.

Benepass helps you turn insights into action by consolidating multiple vendors and systems into one smart, scalable platform that employees actually want to use.

Download the full 2025 report

Book a strategy session with us

01

Inside the dataset

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Company sizes

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Top 3 industries

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Geographic footprint

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Account types

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Pre-tax benefits in motion

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Most popular pre-tax accounts

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Median employee elections

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Employer contribution trends

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Card-first experience

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Auto-substantiation by service

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Utilization of funds

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LSA funding is up

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Biggest YoY increases

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Building blocks of LSA

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Most common contribution cadences

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Expiration strategies

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Top spending categories in broad LSA

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Global reach, real-world impact

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Our worldwide impact

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Employee engagement in key markets

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Top card usage by transaction volume

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Top card usage by total spend

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Where smarter benefits begin