Enhance recruiting and retention efforts

Many employers can’t find the qualified candidates they need for roles and employees are likely to leave their positions with shorter tenures than ever before. Employees leave for opportunities at other companies while employers struggle to attract the right candidates. A employer-sponsored emergency savings account (ESA) can help solve both of these problems — improving recruitment and retention by offering a benefit everyone needs.

See for yourself how SecureSave can make an impact on recruiting and retention

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Proven Impact

With more than half of Americans unable to cover a $1,000 emergency, many end up raiding their retirement savings just to get by.

However, when employees have emergency savings, they are:

• 50% Less likely to withdraw from retirement
• 2x More likely to increase retirement contributions
• 70% More likely to contribute to DC Retirement Plan

Sources and more in-depth statistics on our By the Numbers page. Learn more

92% of SecureSave users have increased (30%) or maintained (62%) their retirement contributions in the past year.

Source: SecureSave user survey Q3 2025

Why do Emergency Savings Accounts improve retirement readiness?

They avoid tapping their 401(k) for emergencies.

With a safety net, employees don’t need to take loans or withdrawals.

They keep retirement balances growing.

Money stays invested, compounding over time instead of being tapped prematurely.

They build lasting savings habits.

Success with short-term saving builds momentum for long-term goals like retirement.

Employers aren’t offering innovative benefits to recruit and retain employees

Employees are leaving their jobs

60% of surveyed employees said they’d be more likely to stay at a job if their employer offered financial wellness benefits like an employer-sponsored Emergency Savings Account (ESA).

Source: Financial Health Network (2018)

Employees think employers should help with financial wellness

Over half of employees think employers have a responsibility to help employees with financial wellness.

Source: TIAA (2022)

ESAs reduce financial stress

Improving employee financial wellness through an employer-sponsored ESA reduces financial stress, which increases productivity and reduces absenteeism, saving employers money.

Source: John Hancock( 2022)

Employers know they need financial wellness to increase retention

84% of employers now say offering financial wellness helps increase employee retention (and 91% say it supports overall employee wellbeing).

Source: Bank of America (2022)

Customer story

DemandZEN is a lead generation services company focused on account-based appointment setting for companies in the B2B Technology space.

Lead gen company improves retention with emergency savings solution

With a tight hiring market, DemandZEN's CEO needed a solution to attract new employees and retain his experienced staff beyond existing benefits.

• Achieved high adoption rate (most rapidly adopted benefit in company history)
• Chose SecureSave to relieve day-to-day employee stress and improve financial wellness

Read more SecureSave customer stories

“We were seeing a lot of employees taking 401(k) loans and employees asking if we had an employee assistance fund. Many of the issues were for car or home repairs typically totaling less than $2,000, yet they were tapped out and didn’t have any money set aside. We wanted to help people save for a financial emergency since they weren’t doing it on their own.”
HR Team at Grace Health

“SecureSave is a low-cost, really novel benefit... I noticed that a lot of people were borrowing money against their 401K, and SecureSave offered an excellent auxiliary plan.”
Director of Finance at SEIU California State Council

How SecureSave helps

Increase your recruitment and retention efforts with an employer-sponsored emergency savings solution.

SecureSave encourages employees to save through an easy-to-use employer-sponsored emergency savings program. Employers can provide sign-up bonuses, savings matches, and milestone rewards for their employees to spur good savings habits.

• Employer incentives (matches, bonuses)
• Ability to withdraw funds at any time
• Funds are FDIC-insured
• No ERISA restrictions

Recruit great employees and retain existing employees with a SecureSave program like this

Example SecureSave Program

Biweekly paycheck match

$5

Signup bonus

$50

More use cases

Make your benefits more inclusive with financial wellness

Ensuring all employees have equal access to financial information and services helps them generate greater wealth and achieve financial stability — helping them feel and be more secure.

Make your limited benefits budget count

Not all companies have the budget to provide extensive benefits to their employees. Certain benefits are required or expected like health insurance or retirement plans.

Improve employee financial wellness

Finding the right financial wellness solution is no easy task. Each employee has unique needs. Financial stress can lead to a reduction in work performance and higher turnover.

Build retirement security while reducing loans and withdrawals

When employees hit a rough patch, they often turn to their 401(k) to assist with an emergency. This undermines their ability to retire on time.