Five benefits keep a household standing — health, dental, vision, life, and disability. We followed the public paper trail of large US employers (100+ workers, the only ones who file) to see how often the five travel together.
By State
Each state’s score is the average employer bundle-completeness score: 20 points for health, 15 for dental, 15 for vision, 20 for life, 20 for either disability line, and a 10-point bonus when both STD and LTD are on file. Computed from publicly available 2024 employer benefit filings. National mean is 69.9. Pick a state for the breakdown.
Color shows each state’s weighted bundle-completeness score, not the full-stack percentage. Darker = more complete filed protection bundles. Some states with large association- or trust-pooled health filings (Ohio, Missouri, Kentucky) score low because many of their employers file health-only welfare plans; the score reflects what’s in the public record, not what employees may receive through other plan structures.
By Sector
Same score as the cartogram, grouped by NAICS principal activity. 80 sectors clear our floor (≥100 health-anchor employers); top 5 and bottom 5 are below — search to find any of the others.
Searches all 80 sectors and the named companies in each.
Largest employers on file
Methodology
One employer-level score, averaged across a state, sector, or state×sector slice.
For every filing employer (EIN) in the dataset that offers health, we assign up to 100 points: 20 for health, 15 for dental, 15 for vision, 20 for life, 20 for either short-term or long-term disability, and a 10-point bonus when both disability lines are present. Average that score across employers in a slice, and that is the score. An EIN with only health scores 20; an EIN with health, dental, vision, life, and one disability line scores 90; an EIN with all six filing codes scores 100. National mean is 69.9.
The full-stack rate shown next to each state and sector is a separate, sharper number: the share of EINs in that slice that file health, dental, vision, life, and at least one disability line. National full-stack rate is 56.3%.
Each filing entity (EIN) is counted once. Sister brands and parent companies sometimes file benefits under different EINs, so a single corporate group can appear as two or three entries — this is a market read on the public record, not a per-corporate-parent rollup.
Company Search
ExperimentalSearch a company by name. Snug turns public information into a plain-English snapshot — a signal-reader, not an answer engine.
Search to check public benefit signals.
The full read
We turned the same data into a 2024 report — every state, every sector, the insurers and brokers behind them, and what it means for small employers.
Read the 2024 report →Use the read as a starting point. Snug helps small businesses build health and voluntary insurance that feel competitive, clear, and easier to launch.
Build your benefits plan