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M3 Insurance Releases its Annual Employee Benefits Trend Report

M3 Insurance Releases its Annual Employee Benefits Trend Report

M3 Insurance has released the 2025 edition of its annual employee benefits report, now reimagined as Momentum: An M3 Employee Benefits Trend Report. More than just a name change, Momentum represents a meaningful shift in focus, reflecting the evolving realities of today’s employee benefits landscape.

For more than two decades, M3’s trend report has served as a trusted resource for employers, traditionally centered around plan design benchmarks and regional premium comparisons. But in today’s environment marked by rising costs, expanding point solutions, and strategic complexity, employers need more than static data points.

“As the benefits landscape evolves, so must the tools we use to navigate it,” said Ryan Barbieri, Executive Vice President of Employee Benefits and Partner at M3. “Momentum is built to spark strategic conversations. It’s forward-looking, data-informed, and rooted in what employers need to understand to stay competitive not just today, but tomorrow.”

Key themes in the 2025 report include:

  • The rising impact of pharmacy trend, including GLP-1 medications and gene therapies
  • The shift toward direct primary care and high-performance networks
  • Emerging focus on social determinants of health and care navigation
  • The decline of one-size-fits-all wellness programs and standalone telehealth

The full report is now available on the M3 Insight Center.

M3 developed Momentum to meet the growing demand for forward-looking strategic insight, while complementing the real-time, personalized data delivered through its analytics platform, BenchmarkPRO. To learn more about BenchmarkPRO, visit m3ins.com/broker-analytics.

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About M3
M3 is a top insurance broker and risk management firm in America. We’re leaders in the products we represent and the industries we serve. M3’s people are an extension of your team, providing world-class resources to help
you manage risk, purchase insurance, and provide employee benefits. And our focus on community builds better places to live and work. For more information on M3, visit www.m3ins.com.