---
title: "Mylo vs Newfront Employee Health Benefits"
description: "Mylo packages small-group benefits for 2–99 employees with a portal; Newfront advises funding from fully insured to captives for start-ups through enterprise."
canonical: "https://spot.insure/compare/mylo-vs-newfront/employee-health-benefits"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/mylo-vs-newfront/employee-health-benefits)

# Mylo vs Newfront Employee Health Benefits

Mylo packages small-group benefits for 2–99 employees with a portal; Newfront advises funding from fully insured to captives for start-ups through enterprise.

## Research Scope and Use

Use this comparison to evaluate Mylo and Newfront 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

Mylo brokers health, dental, vision, life and disability for employers with 2 to 99 employees, with online enrollment and optional underwritten medical. Newfront’s Total Rewards practice designs funding (fully insured, level-funded, self-funded or captive), stop-loss, pharmacy contracts and actuarial IBNR forecasts. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") [5](https://www.newfront.com/total-rewards "Total Rewards Strategic Planning") [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning")

## 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. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo")

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

## What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [4](https://www.newfront.com/business-insurance "Business Insurance") [5](https://www.newfront.com/total-rewards "Total Rewards Strategic Planning") [6](https://www.newfront.com/navigator "Newfront Navigator") [7](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## What Are Employee Health Benefits?

Employee health benefits help eligible employees pay for medical care through an employer-sponsored plan or arrangement. [9](https://www.cms.gov/files/document/nsa-health-insurance-basics.pdf "Health Insurance Basics") [10](https://www.healthcare.gov/small-businesses/learn-more/ "Health Insurance for Businesses")

## Key Differences in Employee Health Benefits

### Who the Practices Say They Serve

Mylo and Newfront both broker employee health benefits rather than issue the plan. Mylo markets to employers with 2 to 99 employees. Newfront says Total Rewards serves clients from start-ups to enterprise without a stated minimum group size. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") [5](https://www.newfront.com/total-rewards "Total Rewards Strategic Planning")

### Packaging Versus Funding Design

Mylo lists health, dental and vision, life and disability, and accident and critical-illness coverage. It describes underwritten medical and Health Savings Accounts as cost options, and a dental/vision or life/disability start if group medical is not yet affordable. Newfront’s Strategic Planning team evaluates fully insured, level-funded, self-funded and captive funding, stop-loss design and pharmacy-benefit contracts.

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. [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") (Evidence: Company-reported; scope: Strategic Planning page, Funding Approach and Pharmacy Solutions sections; advisory scope, not a named health plan design..)

Mylo’s reviewed page does not describe captives, stop-loss or level-funded structures. Newfront’s reviewed pages do not describe a phase-in that starts without medical. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning")

### Administration

Mylo gives employees online or phone enrollment and employers a year-round HR portal plus a licensed advisor. Newfront is engaged by consultation and offers benchmarking, disease-management consulting and IBNR actuarial forecasts. Newfront’s reviewed pages do not describe a member claims-assistance process. Neither names the issuing carrier. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") [5](https://www.newfront.com/total-rewards "Total Rewards Strategic Planning") [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning")

## What to Confirm in Employee Health Benefits Quotes

- Confirm whether your census fits Mylo’s 2–99 range or Newfront’s unpublished size range. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") [5](https://www.newfront.com/total-rewards "Total Rewards Strategic Planning")
- Ask Newfront which funding model and pharmacy strategy it would quote. [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning")
- Ask Mylo whether medical is underwritten, HSA-compatible, or deferred in favor of other lines. [3](https://choosemylo.com/groupbenefits "Small Group Benefits")
- Compare Mylo’s portal with Newfront’s benchmarking deliverables, and get carrier names from both. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning")

## Offering Details

| Criteria | Mylo Small Group Benefits | Newfront Total Rewards Employee Benefits |
| --- | --- | --- |
| Role in This Line | Mylo brokers small-group employee benefits by comparing quotes and helping employers assemble a plan, rather than underwriting the benefits itself. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Small group benefits product page..) | 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. [5](https://www.newfront.com/total-rewards "Total Rewards Strategic Planning") (Evidence: Company-reported; scope: Total Rewards page, Service Excellence section..) |
| Issuing Insurer | The small group benefits product page does not name the insurer or carrier network that would issue a given employer's plans. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Not publicly disclosed; scope: Checked the small group benefits product page on 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. [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") (Evidence: Not publicly disclosed; scope: Strategic Planning page, Funding Approach section; funding type is a structure, not a named carrier..) |
| Who It’s For | Mylo markets this offering to employers with 2 to 99 employees. [3](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. [3](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..) | Newfront says its Total Rewards practice serves clients "from start-ups to enterprise," without a stated minimum group size for employee health-benefit design. [5](https://www.newfront.com/total-rewards "Total Rewards Strategic Planning") (Evidence: Company-reported; scope: Total Rewards page, Comprehensive Expertise section..) |
| Coverage Features | 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. [3](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. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Small group benefits product page FAQ..) | 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. [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") (Evidence: Company-reported; scope: Strategic Planning page, Funding Approach and Pharmacy Solutions sections; advisory scope, not a named health plan design..) |
| Risk Services | 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. [3](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Small group benefits product page..) | 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. [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") (Evidence: Company-reported; scope: Strategic Planning page, Benchmarking, Disease Management & Risk Mitigation, and Data Analytics & Actuarial Services sections..) |
| How to Apply | 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. [5](https://www.newfront.com/total-rewards "Total Rewards Strategic Planning") (Evidence: Company-reported; scope: Page calls-to-action; no online quoting or enrollment described..) |
| Claims Support | 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. [5](https://www.newfront.com/total-rewards "Total Rewards Strategic Planning") [8](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") (Evidence: Not found in reviewed sources; scope: Both pages as read on 2026-09-23; "claims" here refers to analytics inputs, not a described advocacy service..) |

## Full Comparison

- [Mylo vs Newfront](https://spot.insure/compare/mylo-vs-newfront): 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.
- [Mylo vs Newfront Commercial Auto Insurance](https://spot.insure/compare/mylo-vs-newfront/commercial-auto)
- [Mylo vs Newfront Cyber Insurance](https://spot.insure/compare/mylo-vs-newfront/cyber)
- [Mylo vs Newfront General Liability Insurance](https://spot.insure/compare/mylo-vs-newfront/general-liability)
- [Mylo vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/mylo-vs-newfront/professional-errors-omissions)
- [Mylo vs Newfront Surety Bonds](https://spot.insure/compare/mylo-vs-newfront/surety-bonds)
- [Mylo vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/mylo-vs-newfront/umbrella-excess)
- [Mylo vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/mylo-vs-newfront/workers-compensation)
- [Founder Shield vs Mylo Employee Health Benefits](https://spot.insure/compare/foundershield-vs-mylo/employee-health-benefits)
- [Founder Shield vs Newfront Employee Health Benefits](https://spot.insure/compare/foundershield-vs-newfront/employee-health-benefits)
- [Gallagher vs Mylo Employee Health Benefits](https://spot.insure/compare/gallagher-vs-mylo/employee-health-benefits)
- [Gallagher vs Newfront Employee Health Benefits](https://spot.insure/compare/gallagher-vs-newfront/employee-health-benefits)
- [Heffernan Insurance Brokers vs Mylo Employee Health Benefits](https://spot.insure/compare/heffernan-vs-mylo/employee-health-benefits)
- [Heffernan Insurance Brokers vs Newfront Employee Health Benefits](https://spot.insure/compare/heffernan-vs-newfront/employee-health-benefits)

## Sources

### Mylo

1. [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.
2. [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.
3. [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.

### Newfront

4. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
5. [Total Rewards Strategic Planning](https://www.newfront.com/total-rewards). Newfront; Total Rewards Employee Benefits hero; Service Excellence; Total Rewards Comprehensive Expertise: Benefits. Accessed 2026-09-23.
6. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
7. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
8. [Strategic Planning](https://www.newfront.com/total-rewards/strategic-planning). Newfront; Our Solutions: Funding Approach, Pharmacy Solutions, Disease Management & Risk Mitigation, Renewal Negotiations & Proprietary Programs, Data Analytics & Actuarial Services. Accessed 2026-09-23.

### Employee Health Benefits Guide

9. [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.
10. [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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