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
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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 at least maintained their retirement contribution rate over the last year.

32% voluntarily increasing their contribution, which is 2x the national average.

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.

What's happening here?

Employers don't always have the resources to meet employees' financial wellness needs

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Financial stress causes a loss of productivity

75% of employees stressed about their finances performed worse at work.

Source: PwC (2022)

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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)

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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.
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
Help improve your employees financial wellness by offering an emergency savings solution
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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
Milestone bonuses
$10
Per $500 saved

See the impact of your custom SecureSave program with our ROI calculator

Design your program today
Get a personalized demo to learn why SecureSave complements your existing benefits package
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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.

Help improve your employees financial wellness by offering an emergency savings solution

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