---
title: "Lockton vs Mylo Employee Health Benefits"
description: "Lockton advises benefits as a People Solutions practice with published cost trends; Mylo brokers small-group plans for 2–99 employees with a self-serve portal."
canonical: "https://spot.insure/compare/lockton-vs-mylo/employee-health-benefits"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Lockton vs Mylo Employee Health Benefits

Lockton advises benefits as a People Solutions practice with published cost trends; Mylo brokers small-group plans for 2–99 employees with a self-serve portal.

## Research Scope and Use

Use this comparison to evaluate Lockton and Mylo for Employee Health Benefits against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Lockton People Solutions designs and places employee health programs and publishes quarterly medical and pharmacy trend figures. Mylo brokers health, dental, vision, life and disability for employers with 2 to 99 employees, with online enrollment and a year-round HR portal. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") [7](https://choosemylo.com/groupbenefits "Small Group Benefits")

## What Is Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [5](https://choosemylo.com/business/business-insurance "Small Business Insurance") [6](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## What Are Employee Health Benefits?

Employee health benefits help eligible employees pay for medical care through an employer-sponsored plan or arrangement. [8](https://www.cms.gov/files/document/nsa-health-insurance-basics.pdf "Health Insurance Basics") [9](https://www.healthcare.gov/small-businesses/learn-more/ "Health Insurance for Businesses")

## Key Differences in Employee Health Benefits

### Segment Each Practice Names

Lockton and Mylo both broker employee benefits rather than underwrite them. Lockton’s People Solutions page does not publish a group-size band. Mylo markets the offering to employers with 2 to 99 employees. If your census is outside that band, Mylo’s reviewed offer does not describe serving you; Lockton’s reviewed page does not set that ceiling. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") [7](https://choosemylo.com/groupbenefits "Small Group Benefits")

### Research and Plan Mix

Lockton publishes quarterly U.S. medical and pharmacy trend (7.7% year-over-year for 2025 in the Q3 2026 update). Mylo’s reviewed page does not publish market-trend research. Mylo lists health, dental and vision, life and disability, and accident and critical-illness coverage, plus underwritten medical and Health Savings Accounts as cost options. Lockton’s reviewed page does not list those product categories. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") [7](https://choosemylo.com/groupbenefits "Small Group Benefits")

Lockton describes employee experience, total rewards design, and program measurement. Mylo describes employees enrolling online or by phone, an employer HR portal, and a licensed advisor. Mylo also suggests a dental/vision or life/disability start if medical is not yet affordable; Lockton’s reviewed page does not describe that path. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") [7](https://choosemylo.com/groupbenefits "Small Group Benefits")

Neither reviewed page names the issuing carrier. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") [7](https://choosemylo.com/groupbenefits "Small Group Benefits")

## What to Confirm in Employee Health Benefits Quotes

- Confirm whether your employee count fits Mylo’s 2–99 range. [7](https://choosemylo.com/groupbenefits "Small Group Benefits")
- Ask Lockton which People Solutions workstream would lead and how published trend data would enter the quote. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions")
- Ask Mylo whether the medical option is underwritten and whether an HSA or a non-medical start is on the proposal. [7](https://choosemylo.com/groupbenefits "Small Group Benefits")
- Get carrier names from both brokers. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") [7](https://choosemylo.com/groupbenefits "Small Group Benefits")

## Offering Details

| Criteria | Lockton People Solutions Employee Benefits Brokerage | Mylo Small Group Benefits |
| --- | --- | --- |
| Role in This Line | Lockton's People Solutions practice designs and places employee health and benefit programs; the reviewed page describes brokerage and advisory services, not Lockton acting as the benefits underwriter. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") (Evidence: Company-reported; scope: People Solutions page as read 2026-09-23. The page URL for this line moved from the 'employee-benefits' path cited on Lockton's provider record to 'people-solutions'..) | Mylo brokers small-group employee benefits by comparing quotes and helping employers assemble a plan, rather than underwriting the benefits itself. [7](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Small group benefits product page..) |
| Issuing Insurer | The page does not name the insurers or carriers whose employee-benefit plans Lockton places for clients. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") (Evidence: Not publicly disclosed; scope: People Solutions page checked 2026-09-23..) | The small group benefits product page does not name the insurer or carrier network that would issue a given employer's plans. [7](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Not publicly disclosed; scope: Checked the small group benefits product page on 2026-09-23..) |
| Who It’s For | Not described in the reviewed sources. | Mylo markets this offering to employers with 2 to 99 employees. [7](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Small group benefits product page..)<br><br>Mylo suggests employers who cannot yet afford group health insurance can start a benefits program with life and disability or dental and vision coverage instead. [7](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Small group benefits product page FAQ "Employee benefits? How can I afford them?" section..) |
| Coverage Features | Lockton publishes a quarterly People Solutions Market Update with U.S. health-plan cost data; its Q3 2026 update reported 2025 medical and pharmacy trend at 7.7% year-over-year, following 8% the year before. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") (Evidence: Company-reported; scope: People Solutions page as read 2026-09-23. Cost-trend figures are company-reported market commentary, not a specific client's premium..) | Mylo lists health, dental and vision, life and disability, and accident and critical-illness coverage among the benefit categories it can package for a small employer. [7](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Small group benefits product page; specific plan options depend on the carrier and employer's selection..)<br><br>Mylo says an employer with a healthier workforce may be able to lower health insurance costs with an underwritten health plan, and separately notes that Health Savings Accounts (HSAs) can save money for both employer and employee. [7](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Small group benefits product page FAQ..) |
| Risk Services | Lockton describes three service areas for employee benefits clients: employee experience and engagement, total rewards and benefits design, and program management and measurement, aimed at balancing talent attraction and retention against cost control. [4](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") (Evidence: Company-reported; scope: People Solutions page as read 2026-09-23..) | Mylo says employees can enroll online or by phone, employers get a year-round HR portal to manage benefits, and a licensed benefits advisor is available to help. [7](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Small group benefits product page..) |

## Full Comparison

- [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo): all coverage lines, business roles, service and claims.
- [What Are Employee Health Benefits?](https://spot.insure/coverage/employee-health-benefits): Employee health benefits help your team pay for medical care through an employer-sponsored plan or arrangement.
- [Lockton vs Mylo Cyber Insurance](https://spot.insure/compare/lockton-vs-mylo/cyber)
- [Lockton vs Mylo General Liability Insurance](https://spot.insure/compare/lockton-vs-mylo/general-liability)
- [Lockton vs Mylo Surety Bonds](https://spot.insure/compare/lockton-vs-mylo/surety-bonds)
- [Lockton vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-mylo/workers-compensation)
- [Founder Shield vs Lockton Employee Health Benefits](https://spot.insure/compare/foundershield-vs-lockton/employee-health-benefits)
- [Founder Shield vs Mylo Employee Health Benefits](https://spot.insure/compare/foundershield-vs-mylo/employee-health-benefits)
- [Gallagher vs Lockton Employee Health Benefits](https://spot.insure/compare/gallagher-vs-lockton/employee-health-benefits)
- [Gallagher vs Mylo Employee Health Benefits](https://spot.insure/compare/gallagher-vs-mylo/employee-health-benefits)
- [Heffernan Insurance Brokers vs Lockton Employee Health Benefits](https://spot.insure/compare/heffernan-vs-lockton/employee-health-benefits)
- [Heffernan Insurance Brokers vs Mylo Employee Health Benefits](https://spot.insure/compare/heffernan-vs-mylo/employee-health-benefits)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
3. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
4. [US People Solutions](https://global.lockton.com/us/en/products-services/people-solutions). Lockton; Introducing Lockton People Solutions; employee experiences, total rewards and benefits, management and measurement; People Solutions Market Update Q3 2026 healthcare cost data. Accessed 2026-09-23.

### Mylo

5. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
6. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
7. [Small Group Benefits](https://choosemylo.com/groupbenefits). Mylo; Find the best value in employee benefits, fast; Choose the right plan for a healthier business; Employee benefits? How can I afford them?; I have healthy employees. Can I pay less for health insurance?; Who saves with Health Savings Accounts?. Accessed 2026-09-23.

### Employee Health Benefits Guide

8. [Health Insurance Basics](https://www.cms.gov/files/document/nsa-health-insurance-basics.pdf). Centers for Medicare & Medicaid Services; PDF p.1: What is health insurance? What is a health insurance plan?; PDF p.2: Self-Insured Employer Plans vs. Fully-Insured Plans. Accessed 2026-09-16.
9. [Health Insurance for Businesses](https://www.healthcare.gov/small-businesses/learn-more/). HealthCare.gov / CMS; Group health insurance coverage; Health reimbursement arrangements. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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