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Program Availability and Use of Incentives Vary by Employer Size. In our survey, 69 percent of employers with more than 50 employees offered a wellness program, and 75 percent of programs included incentives to encourage participation.
However, the comparison of employee premiums as a percent of W-2 wages suggests that employees earning $22,340 or more per annum (200% of the FPL for a single wage earner in 2012) would likely obtain better coverage at lower cost through their employerâs group health plan.1 FIGURE 1. Participation Rates and Premiums as a Percentage of Income Above $45,000 the participation rate for group health benefits remains fixed at roughly 81%. Premium levels do not account for the remaining 19% who choose not to elect coverage.