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. If your company has a limited budget — but wants to increase employee wellness and financial wellbeing, what can HR do? Are there benefits that are low- or no-cost or contribute a positive ROI back to the company over a short period?

See for yourself how SecureSave can make an impact on a limited budget
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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 with limited benefits budgets don’t have the resources to add expensive 401(k) matches and other financial wellness programs to their benefits offerings.

Employees are leaving their jobs

76% of surveyed employees would consider leaving a job for another company that cares more about their financial well-being.

Source: PwC (2022)

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Your company has a high turnover rate

For a 1,000 person company with a 25% annual turnover, you can save $40,000 on retention, $125,000 on a reduction in distractions, and $160,000 on increased productivity each year.

Source: SecureSave Business Impact Calculator (2022)

Employees think employers should help their financial well-being

51% of surveyed employees think employers have a responsibility to help employees’ financial wellness.

Source: TIAA (2022)

Employees prefer ESAs to other benefits

43% of employees would prefer an ESA with employer match vs. the following combined: child care reimbursement (6%), mental health support (12%), student loan reimbursement (9%), financial wellness coaching (7%).

Source: SecureSave (2022)

Customer story

This childcare center with multiple locations wanted to be able to offer a financial wellness benefit to its employees, but couldn't afford a traditional 401(k) or similar retirement benefit.

A childcare center with a focus on improving the financial security of their employees

With everything focused on the children, employee financial health may not always seem like the first priority — but not at this childcare center. It was essential for senior staff to provide a meaningful benefit for their childcare workers — even with a limited budget.

  • Chose SecureSave as an affordable alternative to  a 401(k) or similar benefit
  • More than ⅓ of employees signed up to save money from every paycheck
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
Improve financial wellness with an affordable emergency savings solution
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How SecureSave helps

Start improving your employees’ financial wellness with an budget-friendly 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.

  • Only pay per enrolled employee (eligibility requirements)
  • Billed on a monthly basis
  • Flexible employer incentives
  • Clear return on investment

Optimize a limited benefits budget 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.

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.

Improve financial wellness with an affordable emergency savings solution

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