Lockton vs Newfront Employee Health Benefits

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. ⁴Company-reported. 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'.

Newfront's Total Rewards practice helps employers design, fund and administer employee health-benefit programs. It works with payroll, people-operations and benefit administrators, technical consultants, and compliance officers and ERISA attorneys, rather than issuing the underlying health plan itself. ⁶Company-reported. Total Rewards page, Service Excellence section.

The page does not name the insurers or carriers whose employee-benefit plans Lockton places for clients. ⁴Not publicly disclosed. People Solutions page checked 2026-09-23.

The reviewed Total Rewards pages describe funding arrangements (fully insured, level-funded, self-funded or captive) in general terms and do not name a specific health insurer or stop-loss carrier for a given plan. ⁹Not publicly disclosed. Strategic Planning page, Funding Approach section; funding type is a structure, not a named carrier.

Not described in the reviewed sources.

Newfront says its Total Rewards practice serves clients "from start-ups to enterprise," without a stated minimum group size for employee health-benefit design. ⁶Company-reported. Total Rewards page, Comprehensive Expertise section.

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. ⁴Company-reported. People Solutions page as read 2026-09-23. Cost-trend figures are company-reported market commentary, not a specific client's premium.

Newfront's Strategic Planning team evaluates fully insured, level-funded, self-funded and captive funding arrangements for health benefits, and works on stop-loss program design and pharmacy-benefit contract management, including strategies for high-impact drug categories. ⁹Company-reported. Strategic Planning page, Funding Approach and Pharmacy Solutions sections; advisory scope, not a named health plan design.

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. ⁴Company-reported. People Solutions page as read 2026-09-23.

Newfront offers benchmarking reports on benefits by company size and industry, disease-management consulting (preventive care, early detection and centers of excellence), and data analytics and actuarial services that forecast future claims costs, including incurred-but-not-reported (IBNR) estimates. ⁹Company-reported. Strategic Planning page, Benchmarking, Disease Management & Risk Mitigation, and Data Analytics & Actuarial Services sections.

Not described in the reviewed sources.

You engage Newfront's Total Rewards practice by requesting a consultation through its Total Rewards or Strategic Planning pages. ⁶Company-reported. Page calls-to-action; no online quoting or enrollment described.

Not described in the reviewed sources.

The reviewed Total Rewards and Strategic Planning pages describe claims data being used for benchmarking and cost forecasting, but do not describe a member-facing claims-assistance or appeals process for employee health-benefit plans. ^6,9Not found in reviewed sources. Both pages as read on 2026-09-23; "claims" here refers to analytics inputs, not a described advocacy service.