## How Our Members Use SecureSave SecureSave members use our app frequently to save a significant amount of money each month. This helps them build up a substantial emergency fund that’s there for them when they need it. ### Adoption rate ### 60% 'Adoption rate' above reflects the average adoption rate of employers who have launched directly with SecureSave as of Jan '24 ### Savings retention ### 87% 'Savings retention' refers to the percentage of funds that remain in ESA accounts ### User retention ### 95.5% 'User retention' measures annual retention of active employees ### Average monthly contribution ### $76 ### Monthly login rate ### 61.5% ### The average first-year savings journey ## The return on investment from workplace emergency savings Is there an ROI on an emergency savings program? What improvements does the employer see for employees with an ESA? #### Retirement 50% less likely to withdraw from retirement 2x more likely to increase retirement contribution 70% more likely to contribute to DC retirement plan #### Productivity & retention 10x more likely to be focused at work 28% less likely to leave their job 87% less likely to have onsite safety issues ## Emergency Usage from SecureSave Members ### Average emergency withdrawal ### $170 ### 97.3% of users keep saving after they withdraw ### Why users withdraw - Inflation - Car/Transportation - Home - Healthcare - Holiday Expenses - Child Care - Change in Income - Travel - Pet - Phone - Appliance - Taxes - Moving - Legal ## What Industries Use SecureSave A wide variety of companies from different industries utilize SecureSave, but we’ve seen some trends emerge. ### Hospital & Healthcare ### Manufacturing ### Professional Services Info Tech & Software Consumer Services Wholesale & Retail Civic & Social Organization Media & Entertainment Construction Automotive & Transportation Education Hospitality Real Estate Banking & Financial Services Staffing & Recruiting Food & Beverage ## Don't see your industry? We’re continuously finding new employee populations that benefit from emergency savings. Chances are, SecureSave can have a positive impact on the lives of your people. ## Incentives that power SecureSave How your company can encourage employees to build healthy savings habits ### Strong incentives A good incentive structure helps power a SecureSave ESA. You’ll see higher adoption rates and additional engagement with more incentive dollars for each employee. ### Total Annual Incentive ### Adoption rate Less than $100 41% ### Signup bonuses A signup bonus of just $25 can make a significant difference in deploying your program. With a total incentive of $125 per year per employee, consider a significant amount upfront to incentivize initial adoption. ### Per paycheck matches Per paycheck matches are crucial for promoting ongoing savings behavior. An incentive structure below $125 per year per employee, with a $3 match per paycheck, can effectively drive positive results. ## A little goes a long way As you can see in our sample program, it doesn’t take a lot to create a meaningful incentive program for your ESA. For just $165 per employee per year (not including SecureSave fees), you can provide your employees with a strong program to build up their emergency savings. ### Example SecureSave Program - Biweekly paycheck match: $5 - Signup bonus: $25 - $10 See the impact of your custom SecureSave program with our ROI calculator. ## The return on investment from a SecureSave program Is there an ROI on a SecureSave workplace emergency savings program? How do you measure it? ### Employee turnover 33% #### National Average According to recent [BLS data](https://www.bls.gov/news.release/archives/jolts_03082023.pdf) for 2022, quits made up 70% of total separations. Over 50 million Americans voluntarily left their jobs in 2022, while another 21.7 million were laid off or separated in another manner. 13% #### With SecureSave SecureSave retention data includes both voluntary and involuntary turnover. We choose to compare internal retention data to voluntary separations only to give the most accurate picture of the potential ROI. All SecureSave data is based on active clients as of January 2024.