Improve employee financial wellness
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 — so employer-sponsored emergency savings accounts (ESAs) and other wellness benefits often lead to a positive ROI in the short- and long-term.
See for yourself how SecureSave can make an impact on employee financial wellness
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 don't always have the resources to meet employees' financial wellness needs
Financial stress causes a loss of productivity
75% of employees stressed about their finances performed worse at work.
Source: PwC (2022)
Younger adults consider financial wellness their employer's responsibility
64% of 18-24 year olds and 69% of 25-34 year olds consider financial wellness the employer’s responsibility
Source: YuLife (2022)
Most employers don’t currently offer their employees emergency savings
Only 15% of employers offer ESAs
Source: SHRM (2021)
Employees report better mental health with financial wellness benefits
59% of employees reported good mental health with a financial wellness program vs. 55% without.
Source: Prudential (2019)
Customer story
Stearns Bank is expanding in new technology services and innovative partnership opportunities.
Stearns Bank is a regional bank dedicated to their growing employee workforce
When you have a CEO who cares so much about her employees, financial wellness is always on the radar. When the opportunity for emergency savings presented itself, Stearns CEO Kelly Skalicky was immediately on board.
- Achieved 100% adoption rate company wide in fewer than 10 days
- Chose SecureSave to support financial security and boost employees’ emergency savings.
“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
Help improve your employees financial wellness by offering an emergency savings solution
How SecureSave helps
Start improving your employees’ financial wellness 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
Jumpstart employee financial well-being with a SecureSave program like this
Example SecureSave Program
Biweekly paycheck match
$5
Signup bonus
$50
See the impact of your custom SecureSave program with our ROI calculator
Get a personalized demo to learn why SecureSave complements your existing benefits package
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.
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.
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.
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.