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Companies Struggle to Meet Rising Demand for Personalized Benefits, Aon Survey Finds

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Aon (NYSE: AON) has released its 2025 Global Benefits Trends Study, revealing a significant gap between employee expectations and companies' ability to deliver personalized benefits. The study, surveying over 500 global benefits professionals across 45 countries, found that only 14% of multinationals have global guidelines for benefits personalization, despite 65% of employees willing to trade current benefits for more choice.

Key findings show that 70% of multinationals prioritize cost management, with medical inflation as the primary cost driver. To address costs, 77% plan to negotiate with existing vendors and 67% intend to issue RFPs. Leading companies are focusing on expanding inclusive benefits for families (54%), aging (39%), gender (39%), and lower-income employees (39%).

Aon (NYSE: AON) ha pubblicato il suo studio sulle tendenze globali dei benefit per il 2025, evidenziando un divario significativo tra le aspettative dei dipendenti e la capacità delle aziende di offrire benefit personalizzati. L'indagine, condotta su oltre 500 professionisti dei benefit a livello globale in 45 paesi, ha rilevato che solo il 14% delle multinazionali dispone di linee guida globali per la personalizzazione dei benefit, nonostante il 65% dei dipendenti sia disposto a scambiare i benefit attuali con una maggiore scelta.

I risultati chiave mostrano che il 70% delle multinazionali dà priorità alla gestione dei costi, con l'inflazione medica come principale fattore di aumento. Per contenere i costi, il 77% prevede di negoziare con i fornitori attuali e il 67% intende emettere richieste di offerta (RFP). Le aziende più avanzate si concentrano sull'ampliamento di benefit inclusivi per famiglie (54%), persone anziane (39%), genere (39%) e dipendenti a basso reddito (39%).

Aon (NYSE: AON) ha publicado su Estudio de Tendencias Globales de Beneficios 2025, revelando una brecha significativa entre las expectativas de los empleados y la capacidad de las empresas para ofrecer beneficios personalizados. El estudio, que encuestó a más de 500 profesionales globales de beneficios en 45 países, encontró que solo el 14% de las multinacionales cuenta con directrices globales para la personalización de beneficios, a pesar de que el 65% de los empleados estaría dispuesto a cambiar sus beneficios actuales por más opciones.

Los hallazgos clave muestran que el 70% de las multinacionales prioriza la gestión de costos, siendo la inflación médica el principal factor de costo. Para abordar los costos, el 77% planea negociar con proveedores existentes y el 67% tiene la intención de emitir solicitudes de propuesta (RFP). Las empresas líderes se enfocan en ampliar beneficios inclusivos para familias (54%), personas mayores (39%), género (39%) y empleados de bajos ingresos (39%).

Aon (NYSE: AON)은 2025� 글로벌 복리후생 동향 조사 결과� 발표하며, 직원들의 기대와 기업� 맞춤� 복리후생 제공 능력 간에 � 격차가 있음� 밝혔습니�. 45개국에서 500� 이상� 글로벌 복리후생 전문가� 대상으� � 조사에서 다국� 기업� � 14%만이 복리후생 맞춤화에 대� 글로벌 가이드라인� 보유하고 있는 반면, 65%� 직원은 현재 복리후생� � 많은 선택권으� 교환� 의향� 있는 것으� 나타났습니다.

주요 결과� 따르� 다국� 기업� 70%가 비용 관리를 우선시하�, 의료� 인상� 주요 비용 요인으로 꼽혔습니�. 비용 절감� 위해 77%� 기존 공급업체와� 협상� 계획하고 있으�, 67%� 제안 요청�(RFP)� 발행� 예정입니�. 선도 기업들은 가�(54%), 고령�(39%), 성별(39%), 저소득 직원(39%)� 위한 포괄� 복리후생 확대� 집중하고 있습니다.

Aon (NYSE: AON) a publié son étude sur les tendances mondiales des avantages sociaux pour 2025, révélant un écart significatif entre les attentes des employés et la capacité des entreprises à offrir des avantages personnalisés. L'étude, qui a sondé plus de 500 professionnels des avantages sociaux dans 45 pays, a révélé que seulement 14% des multinationales disposent de directives mondiales pour la personnalisation des avantages, bien que 65% des employés soient prêts à échanger leurs avantages actuels contre plus de choix.

Les résultats clés montrent que 70% des multinationales priorisent la gestion des coûts, l'inflation médicale étant le principal facteur de coût. Pour maîtriser les coûts, 77% prévoient de négocier avec les fournisseurs actuels et 67% ont l'intention de lancer des appels d'offres (RFP). Les entreprises leaders se concentrent sur l'élargissement des avantages inclusifs pour les familles (54%), les personnes âgées (39%), le genre (39%) et les employés à faibles revenus (39%).

Aon (NYSE: AON) hat seine Studie zu den globalen Benefit-Trends 2025 veröffentlicht und dabei eine erhebliche Kluft zwischen den Erwartungen der Mitarbeitenden und der Fähigkeit der Unternehmen, personalisierte Benefits anzubieten, aufgezeigt. Die Studie, die über 500 globale Benefit-Experten aus 45 Ländern befragte, ergab, dass nur 14% der multinationalen Unternehmen globale Richtlinien für die Personalisierung von Benefits haben, obwohl 65% der Mitarbeitenden bereit sind, ihre aktuellen Benefits gegen mehr Auswahlmöglichkeiten einzutauschen.

Wesentliche Erkenntnisse zeigen, dass 70% der Multis Kostenmanagement priorisieren, wobei die medizinische Inflation der Hauptkostentreiber ist. Um Kosten zu senken, planen 77% Verhandlungen mit bestehenden Anbietern und 67% beabsichtigen, Ausschreibungen (RFPs) zu starten. Führende Unternehmen konzentrieren sich darauf, inklusive Benefits für Familien (54%), ältere Mitarbeitende (39%), Geschlechter (39%) und Mitarbeitende mit niedrigem Einkommen (39%) auszubauen.

Positive
  • Leading companies are 3x more likely to have formal governance committees for benefits management
  • 37% of companies are considering initiatives integrating health and work-life balance
  • AI adoption in benefits design is expected to triple by 2027
  • Nearly half of companies already have a global benefits strategy in place
Negative
  • Only 14% of multinationals have global guidelines for benefits personalization
  • Just 25% of global benefits leaders have effective governance structures
  • Only one in six benefits teams currently use AI for benefits design
  • Most organizations face structural and operational challenges in scaling personalized offerings

Global survey of benefits professionals found only 14 percent of multinationals have global guidelines in place to support personalization

DUBLIN, July 29, 2025 /PRNewswire/ --  (NYSE: AON), a leading global professional services firm, today released its , which finds that multinational companies are under mounting pressure to offer personalized, inclusive benefits � yet most lack the governance, tools or frameworks to deliver at scale. The study, based on responses from more than 500 global benefits professionals across 45 countries and 16 industries, reveals that only 14 percent of multinationals have global guidelines in place to support personalization, while 65 percent of employees at multinationals would trade current benefits for more choice.

According to the study, cost management is the top priority for 70 percent of multinationals, with medical inflation cited as the key cost driver. But delivering employee value has surged to the forefront of the strategic agenda, now ranking among the top three objectives for benefits leaders. This disconnect underscores a new challenge for global benefits leaders: meeting rising employee expectations for flexibility while managing escalating costs. Seventy seven percent of survey respondents plan to negotiate their costs with existing benefits vendors and 67 percent plan to issue an RFP for benefits vendors.

"Employees increasingly expect a consumer-grade experience when it comes to their benefits � one that offers meaningful choice, creates innovative solutions and aligns with their individual needs," said Michael Pedel, head of global benefits at Aon. "Companies are moving in that direction and communicating their progress, but must also manage the realities of cost and complexity. The opportunity lies in designing programs that deliver both value and efficiency at scale."

Personalization and Inclusion: Expanding the Definition of Employee Value

Personalization increasingly incorporates inclusive benefits that address the diverse needs of today's workforce. Aon's study found that nearly two-thirds of leading companies (a select group of respondents with mature governance structures, integrated data strategies and executive-level alignment) plan to expand offerings focused on families (54 percent), aging (39 percent), gender (39 percent) and employees at lower income levels (39 percent). To balance these investments, 25 percent of survey recipients said they would reduce levels for benefits that are less valued by employees. These efforts reflect a broader shift: as employees seek consumer-grade experiences, they also expect benefits that align with their individual circumstances and values.

Personalized and inclusive benefits are also increasingly tied to wellbeing strategies, with 37 percent of companies actively considering initiatives that integrate health and work-life balance.

Overcoming Barriers to Personalization

While demand for personalized benefits is accelerating, most organizations face structural and operational challenges in scaling these offerings. While nearly half of companies have indicated that they already have a global benefits strategy, only 25 percent of global benefits leaders say their governance structure enables them to meet their objectives. By comparison, leading companies are three times more likely to have formal governance committees and twice as likely to centralize data and decision-making resulting in stronger alignment, cost savings and more stable benefits delivery. These top companies are also 67 percent more likely to have Global Benefits Centers of Excellence and three times more likely to have had their global benefits strategy and governance reviewed and endorsed by senior management, resulting in greater buy-in.

Technology, including artificial intelligence, presents a significant opportunity to deliver employee value while creating cost efficiencies. Leading companies are more than twice as likely to use tech to enable personalized experiences. However, only one in six benefits teams currently use AI to support benefits design or delivery. That figure is expected to nearly triple by 2027, but adoption is still limited by legacy systems, governance challenges and organizational readiness.

"This year's study confirms what many global benefits leaders already feel, expectations are rising, but the tools and governance structures to meet them haven't kept pace," said Pedel. "To deliver real value, organizations must think beyond cost containment. That means embracing personalization, investing in inclusive benefits, leveraging data and analytics, and using technology and governance as strategic enablers. The companies that do this well aren't just managing benefits, they're shaping the future of work."

About the Study

The 2025 Global Benefits Trends Study surveyed 518 global benefits professionals across 45 countries and 16 industries between January 27 and February 28, 2025. Read the full study .

About Aon

(NYSE: AON) exists to shape decisions for the better � to protect and enrich the lives of people around the world. Through actionable analytic insight, globally integrated Risk Capital and Human Capital expertise, and locally relevant solutions, our colleagues provide clients in over 120 countries with the clarity and confidence to make better risk and people decisions that protect and grow their businesses.

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FAQ

What are the key findings of Aon's 2025 Global Benefits Trends Study?

The study found that only 14% of multinationals have global guidelines for benefits personalization, while 65% of employees would trade current benefits for more choice. Cost management is a top priority for 70% of multinationals.

How many companies plan to negotiate benefits costs with vendors according to Aon's study?

77% of survey respondents plan to negotiate costs with existing benefits vendors, while 67% plan to issue RFPs for benefits vendors.

What percentage of companies are expanding inclusive benefits according to Aon?

Leading companies are expanding benefits for families (54%), aging (39%), gender (39%), and lower-income employees (39%).

How is AI being used in employee benefits management according to Aon's study?

Currently, only one in six benefits teams use AI for benefits design or delivery, but this number is expected to nearly triple by 2027.

What are the main challenges companies face in implementing personalized benefits?

Companies face structural and operational challenges, with only 25% of global benefits leaders having effective governance structures. Additional barriers include legacy systems, governance challenges, and organizational readiness.
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