Current Landscape
Bank of America Institute reports 66% of U.S. employees are financially stressed, and 76% feel their wages have not kept up with living expenses. Meanwhile, 26% say they now seek help with savings, debt, or wellness planning ([Bank of America Institute](https://workplaceinsights.bofa.com/articles/2025/08/wellness.html)).
- Widespread worker financial stress
- Growing desire for tailored support
- Employers play a key role
Opportunity for Employers
Wellness programs benefit both employees and organizations through improved morale, retention, and productivity. Still, only 54% of large and 32% of small employers offer such support, revealing a critical gap.
- Wellness benefits deliver ROI
- Support gap in smaller firms
- Holistic tools matter
Conclusion & Actionable Advice
Employers should invest in comprehensive wellness resources—automated savings tools, debt education, and employer-employee communication. Employees should use these tools proactively to reduce stress and increase stability.
Collaboration between parties is key to building a financially healthy workplace.
- Normalize using financial tools
- Encourage high engagement in wellness programs
- Measure success through feedback