Survey shows emergency savings improve productivity, retention, and retirement readiness.

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Customize and administer your emergency savings benefit

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Follow savings progress and access emergency funds anytime

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The latest research on ESAs

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The latest from SecureSave

More Companies Offer Emergency Savings Option to Workers
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by
the numbers

What drives a workplace emergency program to success? Discover how SecureSave's members use our platform to become financially secure and prepared for the unexpected.

Members

How Our Members Use SecureSave

SecureSave members use our app frequently to save a significant amount of money each month. This helps them build up a substantial emergency fund that’s there for them when they need it.

Adoption rate

60%

'Adoption rate' above reflects the average adoption rate of employers who have launched directly with SecureSave as of Jan '24
Savings retention

87%

'Savings retention' refers to the percentage of funds that remain in ESA accounts
User retention

95.5%

'User retention' measures annual retention of active employees
Average monthly contribution

$76

Monthly login rate

61.5%

The average first-year savings journey

ROI

The return on investment from workplace emergency savings

Is there an ROI on an emergency savings program? What improvements does the employer see for employees with an ESA?

Retirement

50%
less likely to withdraw from retirement1
2x
more likely to increase retirement contribution2
70%
more likely to contribute to DC retirement plan1

Productivity & retention

10x
more likely to be focused at work3
28%
less likely to leave their job4
52%
less likely to have onsite safety issues5
Usage

Emergency Usage from SecureSave Members

SecureSave members use our app frequently to save a significant amount of money each month. This helps them build up a substantial emergency fund that’s there for them when they need it.

Average emergency withdrawal

$170

97.3%

of users keep saving after they withdraw
Why users withdraw
Inflation
Car/Transportation
Home
Healthcare
Holiday Expenses
Child Care
Change in Income
Travel
Pet
Phone
Appliance
Taxes
Moving
Legal
Industries

What Industries Use SecureSave

A wide variety of companies from different industries utilize SecureSave, but we’ve seen some trends emerge.

Hospital & Healthcare

Manufacturing

Professional Services

Info Tech & Software
Consumer Services
Wholesale & Retail
Civic & Social Organization
Media & Entertainment
Construction
Automotive & Transportation
Education
Hospitality
Real Estate
Banking & Financial Services
Staffing & Recruiting
Food & Beverage
Info Tech & Software
Consumer Services
Wholesale & Retail
Civic & Social Organization
Media & Entertainment
Construction
Automotive & Transportation
Education
Hospitality
Real Estate
Banking & Financial Services
Staffing & Recruiting
Food & Beverage

Don't see your industry?

We’re continuously finding new employee populations that benefit from emergency savings. Chances are, SecureSave can have a positive impact on the lives of your people.

Programs

Incentives that power SecureSave

How your company can encourage employees to build healthy savings habits

Strong incentives

A good incentive structure helps power a SecureSave ESA. You’ll see higher adoption rates and additional engagement with more incentive dollars for each employee.

Total Annual Incentive
Adoption rate
Less than $100
41%
More than $100
69%

Signup bonuses

A signup bonus of just $25 can make a significant difference in deploying your program. With a total incentive of $125 per year per employee, consider a significant amount upfront to incentivize initial adoption.

Per paycheck matches

Per paycheck matches are crucial for promoting ongoing savings behavior. An incentive structure below $125 per year per employee, with a $3 match per paycheck, can effectively drive positive results.

A little goes a long way

As you can see in our sample program, it doesn’t take a lot to create a meaningful incentive program for your ESA. For just $165 per employee per year (not including SecureSave fees), you can provide your employees with a strong program to build up their emergency savings.

Example SecureSave Program

Biweekly paycheck match
$5
Signup bonus
$25
Milestone bonus
$10

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

Design your program today
ROI

The return on investment from a SecureSave program

Is there an ROI on a SecureSave workplace emergency savings program? How do you measure it?

Employee turnover

33%

National Average

According to recent BLS data for 2022, quits made up 70% of total separations. Over 50 million Americans voluntarily left their jobs in 2022, while another 21.7 million were laid off or separated in another manner.

13%

With SecureSave

SecureSave retention data includes both voluntary and involuntary turnover. We choose to compare internal retention data to voluntary separations only to give the most accurate picture of the potential ROI.

All SecureSave data is based on active clients as of January 2024.

Watch our product demo

Check out our 3-minute demo video to see an overview of the employer portal and the employee app. If you have any additional questions after viewing the demo, you'll be able to request additional information. 

Take the first step toward employee financial wellness today - with a SecureSave emergency savings program

1 Research from the Emergency Savings Institute and DCIAA RRC
‍
​2 PlansSponsor Delta ESA Results​
3 Fidelity Research: Emergency Savings Ranked the No. 1 Savings Goal After Retirement
‍
4 AARP, Does Saving for Emergencies Improve Productivity at Work? ​
5 Leana et Al, The Effect of an Emergency Savings Program on Employee Savings and Work
MembersROIUsageIndustriesPrograms
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For press inquiries, please email press@securesave.com
‍
218 Main St, #440
Kirkland, WA 98033
‍206.666.4900
‍info@securesave.com

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Secure Inc. is a financial technology company, not an FDIC-insured bank. FDIC insurance only covers the failure of FDIC-insured banks. FDIC Insurance for deposit accounts is provided through Wells Fargo N.A., Member FDIC and Stearns Bank N.A., Member FDIC. Banking services are provided by Wells Fargo N.A., Member FDIC and Stearns Bank N.A., Member FDIC.

SecureSave's product is covered by United States Patent No. 11,748,720