# 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 [Request Demo](https://www.securesave.com/request-demo) ## 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](https://www.securesave.com/by-the-numbers) 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](https://www.stearnsbank.com/about/news/stearns-bank-n.a.-partners-with-securesave) 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 [Design your program today](https://www.securesave.com/landing/esa-business-impact-calculator) Get a personalized demo to learn why SecureSave complements your existing benefits package [Request Demo](https://www.securesave.com/request-demo) ### More use cases [**Make your benefits more inclusive with financial wellness**](https://www.securesave.com/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**](https://www.securesave.com/use-cases/enhance-recruitment-and-retention) 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**](https://www.securesave.com/use-cases/limited-benefits-budget) 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**](https://www.securesave.com/use-cases/reduce-401-k-loans-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.