Make your benefits more inclusive with financial wellness

How can financial wellness improve your company’s inclusivity efforts? 

It’s simpler than you might think. 

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

Better your employees’ financial situations by providing them with an employer-sponsored emergency savings account (ESA) — starting them on their financial wellness journey and increasing equity across your organization.

See for yourself how SecureSave can make an impact on inclusivity
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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?

Employees don’t currently have access to enough financial wellness opportunities at their workplaces, which is an essential part of inclusivity initiatives.

Wealth is unevenly distributed

White families have 8X the wealth of Black families and 5X the wealth of Hispanic families.

Source: Federal Reserve (2020)

Financial stress affects everyone

Over 40% of employees say their finances control their life and spend more than 9 hours a week at work dealing with financial issues.

Source: SoFi (2022)

Financial wellness programs work

Financial wellness programs reduce financial stress by 23% on average.

Source: Enrich (2022)

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Women are more likely than men to say that their financial situation is worse now than it was prior to the pandemic.

28% of women say their finances are worse vs. just 23% of men.

Source: Financial Health Network (2022)

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Customer story

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
Make your benefits more inclusive by offering an emergency savings solution
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How SecureSave helps

Start improving your employees’ financial wellness and your inclusivity initiatives with an employer-sponsored emergency savings solution that targets your entire employee population.

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. SecureSave targets the full employee population in our outreach programs: we have ~60% adoption rate and 83% of people across all income levels want access to an ESA.

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

Make your benefits more inclusive 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
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More use cases

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.

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.

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.

Make your benefits more inclusive by offering an emergency savings solution

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