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CUPA-HR 2006 Benefits Survey
A Review of Selected Findings
Ray B. Sizemore, Ph.D.
Director, Research & Information Systems
CUPA-HR
Stan McKnight
President, Stan McKnight & Associates
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CUPA-HR 2006 Benefits Survey
Today’s Objectives
Provide overview of survey
Describe selected findings
Copy of presentation available on our
web-site. Go to www.cupahr.org,
highlight Surveys in the menu on the left
and select Benefits Surveys 2006
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CUPA-HR 2006 Benefits Survey
Survey Process
Survey administered through SurveysOnLine,
CUPA-HR’s Web-based data collection system
McKnight & Associates provided subject-matter
expertise support
Survey open from May 4 to July 10, 2006
Data reflects programs in place on Jan 1, 2006
for full-time, non-temporary, faculty & staff, and
retirees; student workers not included
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CUPA-HR 2006 Benefits Survey
The Survey
Goal is to collect information that will allow institutions
to benchmark their benefits programs and costs
2006 fourth time survey administered
Survey in two parts:
- Benefits I: Employee Health Care & Other Benefits
- Benefits II: Retiree Health Care Benefits
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CUPA-HR 2006 Benefits Survey
Two Ways to Access Results
Survey Report
160 page document containing 289 detailed tables
Available electronically as a PDF download
DataOnDemand
Real time data analysis system giving users direct
access to the data
Comprehensive set of slides created by CUPA-HR
for use with subscriber comparison groups
To order survey results, go to www.cupahr.org, highlight
Surveys in menu on left, then select Benefits Survey
2006
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CUPA-HR 2006 Benefits Survey
Survey Content
General Questions
- Institutional Basics
- Benefits Basics
Employee and Retiree
Health Care
- PPO
- HMO
- POS
- Traditional Indemnity
- Stand-Alone Drug
- Stand-Alone Dental
- Stand-Alone Vision
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Insurance & Retirement
- Basic Life Insurance
- Short-term Disability
- Long-term Disability
- Retirement Programs
Time-Off Benefits
- Paid Time-Off Plans
- Vacation Leave
- Sick Leave
- Retirement Programs
Other Benefits
- Relocation and Housing
- Tuition Support
CUPA-HR 2006 Benefits Survey
Survey Participation
Benefits I: Employee Health Care & Other Benefits
423 responding institutions, including 13
systems responding in the aggregate for all of
their schools
Survey provides data for 537 institutions
Benefits II: Retiree Health Care Benefits
149 responding institutions, including 11
systems responding in the aggregate for all of
their schools
Survey provides data for 252 institutions
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CUPA-HR 2006 Benefits Survey
Affiliation & Classification of
Benefits I Respondents
Public
Total
Doctoral
51
26
77 (18.2%)
Master’s
29
103
132 (31.2%)
Bachelor’s
6
94
100 (23.6%)
Associate’s
54
4
58 (13.7%)
Specialized
8
48
56 (13.2%)
Total*
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Private
148
(35.0%)
275
(65.0%)
CUPA-HR 2006 Benefits Survey
423
(100.0%)
Benefits I Respondents Including
Institutions in 13 System Aggregates
Public
Total
Doctoral
64
26
90 (16.8%)
Master’s
65
103
168 (31.3%)
Bachelor’s
15
94
109 (20.3%)
Associate’s
95
4
99 (18.4%)
Specialized
23
48
71 (13.2%)
Total*
9
Private
262
(48.8%)
275
(51.2%)
CUPA-HR 2006 Benefits Survey
537
(100.0%)
Benefits I Respondents
– Institutional Basics
Median
Average
Budget Size
$57M
$239M
Undergraduate Student FTE
2,327
6,674
Graduate Student FTE
377
1,368
Faculty FTE
130
293
29%
29%
Benefit Cost as % of Payroll
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CUPA-HR 2006 Benefits Survey
Retiree & Domestic Partner Health Care
% offering benefits
Public
Non-Medicare eligible
retirees
78%
50%
45%
Medicare eligible retirees
67%
40%
39%
Same sex domestic
partners
25%
24%
66%
Opposite sex domestic
partners
24%
16%
48%
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CUPA-HR 2006 Benefits Survey
Priv-Rel Priv-Ind
Employee Health Care Plans
Median/average # of health plans per plan type
% offering PPO vs. Traditional plan
1.0 / 1.4
87% / 23%
% offering Health Reimbursement Arrangement
4.7%
% offering Consumer Driven Health Care Plan
Pub: 10.4% Priv-Rel: 5.7% Priv-Ind: 5.4%
7.2%
% offering Long-Term Care Program
Pub: 58% Priv-Rel: 42% Priv-Ind: 49%
49%
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CUPA-HR 2006 Benefits Survey
Cost of Employee Health Care
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Median average cost for medical/dental
plans per employee
$5,652
% reporting increase in medical/dental
plan cost
81%
Median % increase in total medical/dental
plan cost
9%
% reporting health care benefits reduced
11%
% basing employee premium on salary
13%
CUPA-HR 2006 Benefits Survey
Monthly Median Health Care Premiums
Without CDHC Plans *
Employee
Institution
Employee only coverage
$84
$326
Employee + Family coverage
$309
$714
Employee only coverage
$75
$314
Employee + Family coverage
$284
$673
With CDHC Plans
* Simple average of medians for PPO, HMO, POS and Traditional plans
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CUPA-HR 2006 Benefits Survey
Median Health Care Deductibles,
Coinsurance & Maximums
Without
With CDHC
CDHC Plans*
Plans
Annual deductible per person
$281
$525
Annual deductible per family
$725
$1180
% paid by plan after deductible
93%
90%
Out-of-Pocket max per person
$1,438
$1,750
Out-of-Pocket max per family
$2,875
$3,500
$2M
$2M
Lifetime maximum benefit
* Simple average of medians for PPO, HMO, POS and Traditional plans
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CUPA-HR 2006 Benefits Survey
Median Co-Pay for Selected Services*
Primary Care Physician
$15
Specialist
$19
Inpatient Hospital
$211
Outpatient Hospital/Surgery
$88
Emergency Room
$62
* Simple average of medians for PPO, HMO, POS and Traditional plans
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CUPA-HR 2006 Benefits Survey
Median Co-Pay for Prescription
Drug Plans
Part of
StandRetail
Health Plan* Alone Plan
Co-pay, generic drugs
$10
$8
Co-pay non-preferred brand
$39
$30
Co-pay, generic drugs
$19
$15
Co-pay non-preferred brand
$64
$60
Mail Order
* Simple average of medians for PPO, HMO, POS and Traditional plans
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CUPA-HR 2006 Benefits Survey
Prescription Drug Plan Coverage
Part of Health Plan*
% covering
Oral contraceptives
Pub
Priv-R
Priv-I
97%
86%
98%
100%
Contraceptive devices
76%
72%
80%
52%
Fertility drugs
50%
57%
58%
80%
ED drugs
56%
60%
69%
84%
Diabetic supplies
98%
100%
91%
83%
% using closed
formulary
61%
56%
50%
25%
* Simple average of medians for PPO, HMO, POS and Traditional plans
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StandAlone Plan
CUPA-HR 2006 Benefits Survey
Stand-Alone Dental & Vision Plans
Monthly Median Premiums
Dental
Employee
Institution
Employee only coverage
$16
$23
Employee + Family coverage
$53
$45
Employee only coverage
$7
$6
Employee + Family coverage
$18
$8
Vision
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CUPA-HR 2006 Benefits Survey
Employee Basic Life Insurance
% offering a basic life insurance plan
98%
% of plans including AD&D
85%
Median monthly cost per $1000 of life insurance
% providing fixed amount of insurance
Median maximum amount basic insurance if fixed
% allowing purchase of supplemental insurance
$0.21
31%
$50,000
75%
Pub: 90% Priv-Rel: 63% Priv-Ind: 70%
Median max amount supplemental - if fixed
% allowing purchase of dependent insurance
Pub: 85% Priv-Rel: 65% Priv-Ind: 69%
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CUPA-HR 2006 Benefits Survey
$300,000
75%
Short- & Long-Term Disability Benefits
STD
LTD
% offering benefit
55%
99%
% of institutions paying entire premium
58%
70%
% requiring use of sick and/or vacation
leave prior to start of benefit
71%
74%
STD: Median number of weeks paid 1
year employee at 100% of salary
8 wks
LTD: Median % of monthly earnings paid
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CUPA-HR 2006 Benefits Survey
na
na
60%
Defined Benefit Retirement Plans
% offering Defined Benefit Plan
45%
Pub: 90% Priv-Rel: 12% Priv-Ind: 18%
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% indicating vesting period
82%
Median vesting period
5 yrs
Median maximum % of salary paid into plan by
institution
9.7%
% requiring employee to contribute
58%
Median maximum % of salary employee
required to contribute
6.3%
CUPA-HR 2006 Benefits Survey
Defined Contribution Retirement Plan
% offering Defined Contribution Plan
95%
Pub: 90% Priv-Rel: 99% Priv-Ind: 98%
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Most common plan offered – 403(b)
98%
% indicating vesting period
19%
Median vesting period
4 yrs
% of institutions contributing to DCP
89%
% of requiring employee match
52%
Median maximum % of salary paid into plan by
institution (up to IRS limits)
8.3%
% requiring employee to contribute
58%
% of institutions matching additional employee
contributions
10%
CUPA-HR 2006 Benefits Survey
Time-Off Plans
% with a Paid-Time-Off Plan
Median Vacation days (1st Year): E/NE/F
% paying difference in Military Leave salary
12%
15 / 10 / 20
41%
Pub: 48% Priv-Rel: 36% Priv-Ind: 39%
Median/Average number of weeks paid
3 /13 wks
Pub: 3/15 Priv-Rel: 2/5 Priv-Ind: 2/9
% offering paid leave for new parents that
are primary care givers
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CUPA-HR 2006 Benefits Survey
31%
Tuition Support for Full-Time Employees
% providing tuition support for:
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courses at this institution
96%
course at selected other institutions
44%
courses at all other institutions
21%
Median # of course credits reimbursable
per semester this institution
6
% not limiting number of credits eligible
for reimbursement at this institution
21%
CUPA-HR 2006 Benefits Survey