Benefits maturity score
Are you keeping up with your competitors?
Are you keeping up with your competitors?
Score yourself across 12 questions and find out where your benefits package really stands.
Your score
0 / 24
Answer the questions below to see your score build
0
Not yet — we don't do this1
In progress — inconsistently2
Nailed it — working wellTap a score for each question — maximum score: 24
Employee experience & engagement
0 / 6
1
Do your employees know what their benefits are worth in £ terms?
Most HR leaders rate benefits awareness their lowest-scoring area — employees often don't know what they have, let alone what it's worth.
2
Are your employees actually using the benefits you're paying for?
Low utilisation is the most common benefits complaint we hear from HR teams. If they're not using it, neither you nor your teams get value from it.
3
Can employees access their benefits without contacting HR?
HR teams at SMEs spend an average of 3+ hours a week managing fragmented benefits.
Smart savings — for them and for you
0 / 6
4
Are you saving on Employer NI through salary sacrifice?
78% of SMEs we speak to aren't maximising on salary sacrifice — with employer NI at up to 15%, and employee savings up to 47%, the savings are significant.
5
Are you reinvesting your salary sacrifice savings into a more competitive package?
62% of SMEs utilise their NI savings to fund a benefits platform or other employee benefits. Others use the budget to increase salaries, share savings with employees, or bank them.
6
Do your lowest-paid employees get as much value from benefits as your highest-paid?
Financial resilience is important for any pay band. While some benefits skew towards higher earners, inclusive packages are a genuine hiring differentiator.
Reporting & visibility
0 / 6
7
Do you have enough visibility into your benefits to know what's working and what isn't?
Most HR teams are renewing benefits on autopilot — without data on what's actually used, it's impossible to know if the spend is working.
8
Do you manage all your benefits through one joined-up platform?
The average SME juggles 3+ benefits providers — separate logins, separate invoices, no single view. That's admin nobody has time for.
9
When did you last use your benefits data to make a decision or change something?
If you can't answer this quickly, you're not running your benefits — they're running you. Data-led HR teams iterate faster and waste less budget.
Employer of choice
0 / 6
10
Would your best candidate choose you over a competitor?
73% of employees say benefits matter as much as salary when choosing an employer. If you're not proud of your package, candidates will notice.
11
Are you using your benefits package to stretch salaries and stay competitive?
SMEs can't always win on salary alone. Tax-efficient benefits can add thousands to effective pay without touching your payroll costs.
12
Do your benefits support employees through life's biggest financial moments — childcare, mortgages, retirement?
Employees who feel unsupported at major life moments are 3x more likely to look elsewhere. Benefits that show up when it matters build the kind of loyalty no retention strategy can buy.
Your benefits maturity score
0 / 24
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How you scored by category
Experience & engagement
0 / 6
Smart savings
0 / 6
Reporting & visibility
0 / 6
Employer of choice
0 / 6
Where do you land?
0–8
out of 24
Benefits by default
Spending money you can't account for. Start with a cost and usage audit.
Most SMEs land here — don't stay stuck
9–14
out of 24
Room to grow
You have the basics. Gaps are costing you in retention and NI savings.
15–20
out of 24
Almost there
Strong foundations. Time to optimise spend and prove value to leadership.
21–24
out of 24
Benefits-led
Ahead of most SMEs. Make sure every employee actually knows it.
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