"Where a medication is administered can have a significant effect on what an employment-based health plan pays, even when the medication itself is the same," said Paul Fronstin, director of Health Benefits Research at EBRI.

Nearly two-thirds of pension systems report that they are able to attract and retain skilled staff, which is up nearly 5 percentage points from 2025.

The question worth raising with any benefits admin vendor isn't whether they collect the right data. It's whether the people who own that data can actually get to it when they need it.