H E A LT H W E A LT H C A R E E R

E M E A B E N E F I T S

P R O D U C T S

O F F E R I N G

• Are my benefits truly benefiting my diverse workforce?

• If the benefits are good, then is it a competitive package?

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B E N E F I T S A R E K E Y I N

AT T R A C T I N G , R E TA I N I N G A N D

E N G A G I N G Y O U R E M P L O Y E E S ,

W H E N C O R R E C T LY A L I G N E D

W I T H T H E I R N E E D S .

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T H E M A I N Q U E S T I O N S T H AT Y O U S H O U L D A S K A R E :

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EMEA BENEFITS OFFERING KEY BENEFITS

• BENEFITS BENCHMARKING REPORTS

• BENEFITS PREVALENCE REPORTS IN BOTH STANDARDISED AND CUSTOMISED FORMATS

• BENEFITS VALUE ANALYSIS

• BESPOKE SURVEYS ON BENEFITS/ALLOWANCES

• MERCER BENEFITSMONITOR®*

*for certain countries

• Defined benefit retirement plans

• Defined contribution retirement plans

• Medical plans

• Life insurance

• Short- and long-term disability policy

• Accident insurance

• Vehicle policies

• Allowances and perquisites

• Leave policies

• Flexible benefits policy

• Travel programs

B E N C H M A R K A N D D E S I G N T H E B E S T P O S S I B L E B E N E F I T P L A N S F O R Y O U R O R G A N I S A T I O NSalary, job title and perceived prestige of the employer’s brand have traditionally been used as differentiating factors for companies to attract or retain talent, but the tighter job market is making it more necessary for organisations to leverage on the value of employee benefits to offer a broader value proposition to employees.

At Mercer, we believe that the success of an organisation is only as good as the people it hires, and we are committed to helping our clients benchmark and design the best possible benefit plans for their organisation. To attract and retain key talent, Mercer can help you compare and benchmark your benefits plan against the marketplace and provide advice on setting up plans that are both cost effective and highly valued by employees.

W H Y M E R C E R ?This catalogue will take you through the products and services we have to offer to address your benefits questions.

Our complete suite of benefits products and services can assist you at any step of your plan review process, no matter what level of analysis you need. All of our products can be provided based on general industry, specific industry or a peer group. From a quick reality check to more in-depth analysis, Mercer benefits data and consulting services help you achieve the optimal solution.

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Armenia

Austria

Azerbaijan

Belarus

Belgium

Bosnia-Herzegovina

Bulgaria

Croatia

Czech Republic

Denmark

Estonia

Finland

France

Georgia

Germany

Greece

Hungary

Ireland

Italy

Kazakhstan

Latvia

Lithuania

Luxembourg

Macedonia

Moldova

Montenegro

Netherlands

Norway

Poland

Portugal

Romania

Russia

Serbia

Slovakia

Slovenia

Spain

Sweden

Switzerland

Turkey

Ukraine

United Kingdom

Uzbekistan

Algeria

Angola

Benin

Botswana

Cameroon

Democratic Republic Of Congo

Egypt

Equatorial Guinea

Ethiopia

Gabon

Ghana

Guinea-Conakry

Ivory Coast

Kenya

Madagascar

Malawi

Mauritius

Morocco

Mozambique

Namibia

Nigeria

Republic of Congo

Reunion

Rwanda

Senegal

South Africa

Tanzania

Tunisia

Uganda

Zambia

Zimbabwe

Bahrain

Iran

Iraq

Israel

Jordan

Kuwait

Lebanon

Oman

Qatar

Saudi Arabia

United Arab Emirates

Yemen

E M E A B E N E F I T S P R O D U C T S O V E R V I E WMercer has the information and tools to help organisations assess the competitiveness of their current benefits and chart a path for the future. Mercer’s EMEA database includes features of employment conditions, leave types, insured benefits, retirement plans, vehicle benefits and many other benefits from more than 15 000 companies in 80+ EMEA countries.

B E N E F I T S B E N C H M A R K I N G R E P O R TProfessionals acknowledge that the benefits offered by organisations represent a significant difference between compensation packages. In order to differentiate one company’s benefits policies from others’, organisations must first understand how they are currently positioned against their competitors and ensure that their policies meet the statutory minimum.

Mercer’s qualitative benchmarking services combine Mercer’s extensive survey data source and global expertise to help organisations understand how their benefits plans stack up against their specific peer companies’, and against plans in their industries or markets.

S A M P L E TA B L E

Feature ABC Company Peer GroupComments/

Recommendations

Description of benefit

ABC Company provides medical and dental coverage for employees, both with and without “dirigenti” contracts. The plans are collectively bargained except for the employees with “dirigenti” contracts. The plans offer the following benefits:

“Dirigenti” employees:

• Hospitalisation €250,000. » Outpatient examinations

€10,000. » Outpatient fees/home

treatment €2,500. » Dental fees €3,500.

• Dependent coverage: » Children until age 26. » Spouses.

Major multinationals frequently supplement the labour collective agreement guarantees and coverage. The plan includes hospitalisation, dental care, and specialist visits. “dirigenti” and “quadri” coverage is required by collective agreements. The recent trend to extend coverage to nonmanagers is due to the decrease in quality of service provided by the National Health Service.

Replacement for the NCA private medical benefits

Thirteen percent of organisations provide a replacement to the NCA private medical benefits.

In line with the market practice.

SAMPLE

These reports will help your company:

• Ensure that policies are in line with or above statutory requirement.• Understand how your benefits are positioned against the market (either all industries or against

a specific peer cut).• Determine whether you are providing consistent benefits across your organisation, that is,

across different operating divisions, subsidiaries or companies in an M&A transaction.• Depending on your organisation’s preference, the format and scope of the deliverables can be

customised to suit your needs.

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B E N E F I T S P R E V A L E N C E R E P O R TThe benefits prevalence report provide you with the information you need to identify opportunities to save money or identify retention risks due to inadequate benefits policies.

The benefits prevalence reports can be in a standard report format or can be customised specifically for your organisation’s needs.

At a glance, these reports will help your company:

• Understand current practices. • Anticipate market trends. • Identify appropriate benefits package.• Target potential plan changes and opportunities for cost savings.• Gauge the overall attractiveness of benefits. • Remain competitive.

Retirement and savings: » Defined benefit and defined contribution plans.

» Stock purchase plans.

Time loss: » Short- and long-term disability plans.

Company cars: » Models, lease values, allowances.

Health and group: » Private medical plans. » Life insurance. » Accident insurance. » Flexible spending accounts.

Other benefits, such as: » Mobile phones. » Loans. » Discount on company products. » Training and education. » Professional subscriptions. » Sport club membership.

P R E V A L E N C E S A M P L E R E P O R T

Pension — Defined Contribution Scheme

Do organisations offer a defined contribution

pension scheme in addition to statutory benefits?

Yes 77%

No 23%

Based on responses from 300 organisations

D E F I N E D C O N T R I B U T I O N S C H E M E E L I G I B I L I T Y

Percentage of Organisations No. of Responses

Executive Plan/Policy 54% 191

Management Plan/Policy 99% 200

Professional/Paraprofes-

sional Plan/Policy99% 200

SAMPLE

L AT I N A M E R I C A

C A R B E N E F I T R E P O R TThe car benefit is key for attracting and retaining executives, who consider it one of the most valuable benefits in their compensation package. For companies it represents a competitive tool in the battle for talent.

The report is available for: Argentina, Brazil, Chile, Colombia, Mexico and Peru.

C O V E R A G E

• Amounts

• Prevalence

• Costs Associated

• Differences by Industry

• Differences by Size of Firm

• Auto Loans

• Replacement Policy

• Option to Purchase

• Among others

B E N E F I T S S U M M A R Y C H I L EBenefits are an important component of your organisation's total remuneration package and at the same time represent a significant cost factor. Mercer can help you compare and benchmark your benefits plan against the market place and provide advice on the benefits plans that are both cost effective and of high value to your employees.

Find out what employers offer in your market with our Benefits Summary Chile!

T H E R E P O R T P R O V I D E S Y O U W I T H T H E L A T E S T T R E N D S I N :

Company car Travel insurance Housing Retirement

Share purchase plan Mobile phone Risk benefits Loans

Meals Private medical Holiday Training and education

Discount fororganisations’ products

Leisure activitiesand club subscription

Representation allowance

And more!

W H A T D O Y O U R E C E I V E ?The report is delivered as a PDF and includes the latest information about the benefits in Chile. The report is available in Spanish.

F O R M O R E I N F O O N M E R C E R B E N E F I T S O F F E R I N G S , P L E A S E V I S I TW W W . I M E R C E R . C O M / C O N T E N T / A S I A - B E N E F I T S . A S P X 27

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T H E R E P O R T P R O V I D E S Y O U W I T H T H E L AT E S T T R E N D S I N :

The Relative Value Analysis or “Benefits Value Analysis” reports help companies make fact-based decisions using the objective quantifiable comparison of all their benefit plans (health and group, time loss, retirement and savings, company cars) — and their total remuneration package — versus those of other employers. They help you identify whether your benefits are rich enough to attract top talent or, conversely, too rich and negatively affecting your bottom line. Every day, human resource and benefits professionals are challenged by competing organisational needs:

• Employees demand the best they can get. • The market demands competitiveness.• Business survival demands affordability.

Make informed HR decisions that balance these needs, using quality, comprehensive benefits information from Mercer. Combined with top-notch consulting advice and diagnostic tools that convert this information into intelligence, this data enables HR professionals to score in the “genius” category and become strategic partners.

E A C H R E P O R T I N C L U D E S :

• Executive summary of your company’s market positioning compared with that of your peer group.• Covered profiles.• Valuation methodology. • Graphical and tabular output of values by:

» Benefit category and workforce profile versus peer group. » Total benefits values for all profiles versus peer group.

P R I C I N G

EUR 13,500 per Analysis, covers typically 6 to 8 profiles and a weighted workforce profile.

M E R C E R R E L A T I V E V A L U E A N A LY S I S O R “ B E N E F I T S V A L U E A N A LY S I S ”

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Q U A N T I T A T I V E B E N C H M A R K I N G V I A M E R C E R ’ S B E N E F I T S V A L U E A N A LY S I S ( B V A )

Plan Value Comparisons An apples to apples comparison of benefits with different plan designs among selected peers

Custom Employee Profiles Identify gaps in your benefits plans for your different employee groups

Summary of Plan Features Values, rankings and indices to assess value and competiveness of benefit plan

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B E S P O K E S U R V E Y S O N B E N E F I T S /A L L O W A N C E S

Mercer can conduct bespoke surveys on behalf of your company to see how your company’s benefits plans compare in the market. The surveys can be tailored specifically to your needs. Please contact Mercer to discuss your requirements in more detail. You have multiple analysis choices. We will contact you to discuss these and the related pricing.

P R I C I N G

EUR 2,500–25,000, depending on range of benefits, number of participants, and customisation of output.

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M E R C E R B E N E F I T S M O N I T O R ®

Mercer conducts benefits surveys annually, providing you with the most up-to-date market information. Access reports via our online tool, Mercer BenefitsMonitor® (MBM), anytime and anywhere, and have the information you need at your fingertips.

Mercer BenefitsMonitor® allows you to:

• Compare your benefits data against that of your competitors and the general market.• Analyse how companies set up their benefits plans for the different employee groups.• To access latest statutory benefits information with one stop.• Customise and run reports at your convenience.

K E Y B E N E F I T S

Each report includes information about the typical benefits for a given market. The following table provides an example of some of the benefits covered in the reports. For a comprehensive list of benefits covered per country, please contact Mercer.

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EMPLOYMENT CONDITIONS

COREBENEFITS

STRATEGICBENEFITS

MOBILITY-RELATED BENEFITS

• Working Hours & Overtime

• Leaves & Holidays• Termination &

Redundancy• Flexible Work

Arrangements• Employee Wellness• Statutory benefits

• Insurance benefits• Medical Benefits• Supplementary

retirement• Vehicle policies• Allowances and

subsidies

• Benefit Trends• Training &

Development• Referral Programs• Long Term

Incentives• Flexible Benefits• Perquisites and

Loans

• Business Travel• Relocation• Housing Benefits

A F R I C A A N D M I D D L E E A S T M E R C E R B E N E F I T S M O N I T O R ®

Mercer BenefitsMonitorTM is an interactive and user-centred online tool that offers a wide range of flexible and intuitive features for benefits reporting and analysis.

• One-stop source for the latest market & statutory benefits information through regular survey updates

• Find out the market prevalence of benefit items and analyse how companies set up their benefits plans for the different employee groups

» Conduct analysis using various filters such as industry segment and headcount

» View data by percentile statistics, average, minimum and maximum values

» Include your organisation’s data during market analysis

» Conduct peer group comparisons through customised reports

• Export the survey

Available countries:

• Angola• Cameroon• DRC• Egypt (NEW)• Ethiopia

• Gabon• Ghana• Ivory Coast• Kenya• Malawi

• Nigeria• Republic of Congo• Saudi Arabia• Senegal• Tanzania

• UAE• Uganda• Zimbabwe• South Africa

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B E N E F I T S C O V E R E D

• Flexible Work Arrangements• Maternity/Paternity Leave• Congratulations and Condolences• Retirement – Defined Contribution• Retirement - Defined Benefit• Medical & Hospitalisation Plans• Vision Care• Life, Disability, and Risk Insurance

• Vehicle Benefits• Loans• Allowances• Travel Benefits• Training & Development• Housing• Schooling• More!

Please note, that results for the countries above (apart from UAE, Saudi Arabia and Egypt) will not be published in 2017, as they are available for 2016.

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T Y P E S O F R E P O R T S

SPOTLIGHT REPORT

BENEFITS PREVALENCE REPORT (BPR)

BENEFITS PR ACTICE SUMMARY REPORT (BPR-S)

• Provides an overview of key benefits practice trends in the general market.

• Represents all industries. • Statuory overview.

• Quick overview of prevalence and median values across the different employee categories of your selected peer group.

• Side by side comparison of your organisation’s benefits policies against aggregated statistics of selected peer groups.

DETAILED BENEFITS REPORT (DBR)

• Provides aggregated statistics and exact details of the benefit plans of a custom peer group.

• Side by side comparison of benefits provided by different employers.

* All custom peer cuts are subject to Mercer’s approval in order to ensure data confidentiality.** For UAE, SA and EG the only available level of access is Premium.

STANDARD STANDARD PLUS PREMIUM**

Spotlight on Benefits Spotlight on Benefits Spotlight on Benefits

BPR and BPR-S for ‘All Industries’ peer group

BPR and BPR-S for ‘All Industries’ peer group

BPR and BPR-S for ‘All Industries’ peer group

One free custom peer cut* Unlimited free custom peer cuts*

B E T T E R I N T E R F A C E A N D S E R V I C E

To offer better and more convenient service we resigned from reports delivered to your iMercer accounts or emails. Now you can generate reports directly in the Mercer BenefirsMonitor , platform with different type of subsriptions, depending on your needs.

T Y P E S O F S U B S C R I P T I O N S

There are three types of subscription packages to meet your needs. Subscribers to any one of the three packages are entitled to one password for a year’s membership when given access.

G E N E R A L S P E C I F I C

© 2017 Mercer LLC. All rights reserved

Email: client.solutions@mercer.com

Want to learn more about our benefits benchmarking offering in other regions?

APAC: harrison.tan@mercer.com Latin America: ana.velazquez@mercer.com

US: john.bruning@mercer.com john.patterson@mercer.com

For further information, please contact: