Marsh vs USI Insurance Services Employee Health Benefits

Marsh McLennan Agency (MMA) is an employee benefits consulting and brokerage practice: it says it helps translate a client's business goals into a benefits plan, negotiates with carriers, and does not itself insure the plans it places. ⁵Company-reported. MMA employee health and benefits page.

USI does not underwrite health plans. It is a benefits consultant and broker that helps employers design, price and manage group benefit programs and negotiate with carriers on their behalf. ⁹Company-reported. USI's Employee Benefits practice page.

The reviewed page does not name a specific health or benefits carrier; MMA describes its role as negotiating with multiple carriers on a client's behalf rather than underwriting plans itself. ⁵Not publicly disclosed. MMA employee health and benefits page as read on 2026-09-23.

The Employee Benefits page does not name the carriers USI places employer health plans with; it describes negotiating pricing and terms with carriers rather than acting as one. ⁹Not publicly disclosed. Page as read on 2026-09-23.

Not described in the reviewed sources.

USI markets this practice to employers generally, without publishing a minimum group size or industry restriction on the page reviewed. ⁹Not publicly disclosed. Employee Benefits practice page; no eligibility screen stated.

MMA lists group health, absence/disability/life insurance, voluntary benefits and stop-loss solutions for self-funded employers among the programs it helps design and place, alongside non-insurance services like compliance support and pharmacy benefit consulting. ⁵Company-reported. MMA employee health and benefits page, Our Solutions section; a catalogue of services, not a specific plan's terms.

USI lists underwriting and insurance analytics, HR administration platforms, population health management, compliance and healthcare-reform guidance, healthcare cost management, pharmacy benefit consulting and ancillary benefit consulting as parts of its benefits practice. ⁹Company-reported. Page's list of practice components; a specific employer's plan design is set in a proposal, not on this page.

MMA lists a range of services beyond placement, including actuarial services to measure financial exposure, compliance support and oversight from its legal team, HR technology consulting, and Captive Solutions, an alternative risk tool MMA says limits stop-loss policy volatility for its clients. ⁵Company-reported. MMA employee health and benefits page, Our Solutions section.

USI says its Employee Benefits network includes consultants, local and regional account managers, healthcare underwriters, business analysts, compliance/ERISA attorneys, wellness directors, pharmacy consultants and claims experts who use its USI ONE analytics process to design plans and negotiate pricing. ⁹Company-reported. Company description of staffing and process; outcomes are not independently verified.

MMA says its consultants assess a client's business, cross-reference employee demographics and survey data, and match needs and budget to a range of market plans during plan design; the page describes an advisor-led process rather than an online quote. ⁵Company-reported. MMA employee health and benefits page, What does an employee benefits consultant do? FAQ.

USI directs employers interested in this practice to email EBsolutions@usi.com or contact a local USI office. ⁹Company-reported. Contact instructions on the Employee Benefits page.