BofA Report: Percentage of Workers Seeking Near-Term Financial Guidance from Employers Doubles
Bank of America (NYSE:BAC) released its 2025 Workplace Benefits Report, revealing that 26% of workers now seek employer guidance on near-term financial needs, doubling from 13% in 2023. The study, surveying nearly 1,000 employees and 800 employers, shows that while 68% of employees remain optimistic about their financial future, they face challenges with emergency savings and debt management.
The report highlights that 54% of larger employers offer financial wellness programs, compared to only 32% of smaller companies. Notable findings include: 53% of employees haven't met emergency savings goals, 85% carry personal debt, and 67% feel confident about retirement readiness. Employee benefits are increasingly crucial for talent retention, with 24% of workers considering leaving their jobs due to inadequate benefits, up from 15% in 2023.
Bank of America (NYSE:BAC) ha pubblicato il suo Workplace Benefits Report 2025, rivelando che il 26% dei lavoratori chiede ora al datore di lavoro consulenza per bisogni finanziari a breve termine, il doppio rispetto al 13% del 2023. L鈥檌ndagine, condotta su quasi 1.000 dipendenti e 800 datori di lavoro, evidenzia che sebbene il 68% dei dipendenti resti ottimista sul proprio futuro finanziario, molti incontrano difficolt脿 nel costituire risparmi d鈥檈mergenza e nel gestire i debiti.
Il rapporto mostra inoltre che il 54% delle grandi aziende offre programmi di benessere finanziario, contro solo il 32% delle realt脿 pi霉 piccole. Tra i dati salienti: il 53% dei dipendenti non ha raggiunto gli obiettivi di risparmio per emergenze, l鈥�85% ha debiti personali e il 67% si sente sicuro sulla preparazione alla pensione. I benefit aziendali diventano sempre pi霉 determinanti per trattenere i talenti: il 24% dei lavoratori valuta di lasciare il posto a causa di benefit insufficienti, rispetto al 15% nel 2023.
Bank of America (NYSE:BAC) public贸 su Workplace Benefits Report 2025, revelando que el 26% de los trabajadores busca ahora orientaci贸n del empleador para necesidades financieras a corto plazo, el doble del 13% en 2023. El estudio, que encuest贸 a casi 1.000 empleados y 800 empleadores, muestra que aunque el 68% de los empleados se mantiene optimista sobre su futuro financiero, enfrentan dificultades para ahorrar ante imprevistos y para gestionar deudas.
El informe destaca que el 54% de las empresas grandes ofrece programas de bienestar financiero, frente al 32% de las m谩s peque帽as. Entre los hallazgos clave: el 53% de los empleados no ha alcanzado metas de ahorro para emergencias, el 85% tiene deuda personal y el 67% se siente confiado respecto a su preparaci贸n para la jubilaci贸n. Los beneficios laborales son cada vez m谩s decisivos para retener talento, con un 24% de trabajadores considerando dejar su puesto por beneficios insuficientes, frente al 15% en 2023.
Bank of America (NYSE:BAC)電� 2025雲� 歆侅灔 氤奠 氤搓碃靹滊ゼ 氚滍憸顷橂┌ 雼赴 鞛爼 氍胳牅鞐� 雽�頃� 瓿犾毄欤检棎瓴� 臁办柛鞚� 甑晿電� 歆侅洂鞚� 26%搿� 2023雲勳潣 13%鞐愳劀 霊� 氚半 電橃棃雼り碃 氚濏様雼�. 鞎� 1,000氇呾潣 歆侅洂瓿� 800臧滌潣 瓿犾毄欤茧ゼ 雽�靸侅溂搿� 頃� 臁办偓鞐� 霐半ゴ氅�, 歆侅洂 欷� 68%電� 鞛愳嫚鞚� 鞛爼鞝� 氙鸽灅鞐� 雽�頃� 雮欔磤鞝�鞚挫毵� 牍勳儊旮� 毵堧牗瓿� 攵�毂� 甏�毽棎 鞏措牑鞗�鞚� 瓴碃 鞛堧嫟.
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Bank of America (NYSE:BAC) a publi茅 son Workplace Benefits Report 2025, r茅v茅lant que 26% des travailleurs sollicitent d茅sormais l鈥檈mployeur pour des conseils sur des besoins financiers 脿 court terme, soit le double des 13% en 2023. L鈥櫭﹖ude, men茅e aupr猫s de pr猫s de 1 000 employ茅s et 800 employeurs, montre que si 68% des employ茅s restent optimistes quant 脿 leur avenir financier, ils rencontrent des difficult茅s pour constituer une 茅pargne d鈥檜rgence et g茅rer leurs dettes.
Le rapport souligne que 54% des grandes entreprises proposent des programmes de bien鈥懨猼re financier, contre seulement 32% des plus petites. Points cl茅s : 53% des employ茅s n鈥檕nt pas atteint leurs objectifs d鈥櫭﹑argne pour les urgences, 85% ont des dettes personnelles et 67% se sentent confiants quant 脿 leur pr茅paration 脿 la retraite. Les avantages sociaux deviennent de plus en plus cruciaux pour retenir les talents : 24% des travailleurs envisagent de quitter leur poste en raison d鈥檃vantages insuffisants, contre 15% en 2023.
Bank of America (NYSE:BAC) hat seinen Workplace Benefits Report 2025 ver枚ffentlicht und berichtet, dass 26% der Besch盲ftigten inzwischen beim Arbeitgeber Rat zu kurzfristigen finanziellen Bed眉rfnissen suchen, doppelt so viele wie 2023 (13%). Die Studie, die fast 1.000 Arbeitnehmer und 800 Arbeitgeber befragte, zeigt, dass obwohl 68% der Besch盲ftigten optimistisch hinsichtlich ihrer finanziellen Zukunft sind, viele Probleme beim Aufbau von Notfallersparnissen und beim Schuldenmanagement haben.
Der Bericht hebt hervor, dass 54% der gr枚脽eren Arbeitgeber Programme zur finanziellen Gesundheit anbieten, gegen眉ber nur 32% bei kleineren Firmen. Wichtige Ergebnisse: 53% der Angestellten haben ihre Notfall-Sparziele nicht erreicht, 85% haben private Schulden und 67% f眉hlen sich in Bezug auf die Altersvorsorge gut vorbereitet. Mitarbeiterbenefits werden f眉r die Bindung von Talenten immer wichtiger: 24% der Besch盲ftigten erw盲gen, ihren Job wegen unzureichender Leistungen zu k眉ndigen, nach 15% im Jahr 2023.
- 68% of employees remain optimistic about their financial future over next 3 years
- Over 80% of employers recognize financial wellness resources drive job satisfaction and productivity
- 60% of employers report equity awards help attract and retain talent
- 67% of employees feel confident about their retirement track
- 53% of employees haven't reached their emergency savings goals
- 85% of employees carry personal debt, with 58% having credit card debt
- Only 54% of large employers and 32% of small companies offer financial wellness programs
- 24% of employees considered leaving their jobs due to inadequate benefits, up from 15% in 2023
Employees Looking for More Employer Resources on Financial Wellness, Emergency Savings and Debt
Twice as many American workers today are looking to their employers for guidance and resources around near-term financial needs, compared to two years ago. According to Bank of America's 2025 Workplace Benefits Report (PDF), conducted in partnership with Bank of America Institute,
"The modern employee wants help with their broader financial goals,"听蝉补颈诲 Lorna Sabbia, Head of Workplace Benefits at Bank of America. "Employers should consider additional resources to support their workforce in ways that bolster their long-term goals while also helping them tackle short-term challenges."
Other areas where employees say they need financial wellness resources include retirement education and planning (
Based on nationwide surveys of nearly 1,000 employees and 800 employers, the 15th annual Workplace Benefits Report explores听employee financial well-being and retirement preparedness, the state of workplace benefits, and more.
Findings show that financial wellness benefits continue to matter to employees and employers, with more than 8 in 10 employers saying that financial wellness resources help drive job satisfaction, productivity, the ability to attract top talent, and be recommended as a great place to work. However, roughly half of larger employers (
The survey also found that workplace benefits are increasingly a factor in retaining talent, with nearly a quarter (
Additional findings from the report include:
- Emergency Savings 鈥� Growing savings for unexpected expenses is employees' second-most important financial goal 鈥� trailing only saving for retirement. Feeling overwhelmed by how to prioritize all their financial needs at once, half of employees (
53% ) have not hit their emergency savings goal (62% of women compared to44% of men), often citing the fact that they're living paycheck-to-paycheck among the primary reasons. - Personal Debt 鈥� Nearly half of employees (
45% ) say they lack emergency savings due to a focus on repaying debt. This isn't surprising considering85% of employees carry some form of personal debt, with58% carrying credit card debt, specifically. Many employees say that it causes them stress and a loss of focus and productivity at work. Despite this, fewer than 1 in 3 companies offer credit counseling or debt assistance aside from student loans 鈥� yet more are planning to do so in the future. - Retirement Readiness 鈥� While 2 in 3 employees (
67% ) feel confident that they're on track for the retirement lifestyle they envision for themselves, confidence varies by gender and life stage.59% of women feel on track toward their retirement goals compared to72% of men. Half of employees (49% ) wish they started saving for retirement at a younger age. - Equity Awards 鈥�
60% of employers say an equity award has been a differentiating factor when attracting and retaining talent. Nearly half of employees (48% ) say they want their employer to add stock awards in the next few years, and nearly 1 in 3 employers (30% ) plan to do so. Among employers who offer equity awards today,66% say the number of employees receiving them has increased over the last three years, and83% are considering further expanding their offerings.
"Some companies are evolving their financial benefits to keep up with the needs of their employees, while others remain focused on traditional benefits alone 鈥� such as retirement plans and health insurance,"听蝉补颈诲 Kai Walker, Head of Retirement Research and Insights at Bank of America. "Financial wellness programs, equity awards, debt assistance, caregiver support can all help attract and retain top talent."
Workplace Benefits Report Methodology
Escalent surveyed a national sample of 962 employees who are working full-time and participate in 401(k) plans, and 800 employers who offer both a 401(k) plan and have sole or shared responsibility for decisions made in the plan. The survey was conducted between December 2, 2024, and January 13, 2025. After the original research was complete, we complemented our annual study with an employee-focused supplemental survey conducted between April 10 and May 1, 2025. This survey consisted of 508 employees working full-time and participating in 401(k) plans. The mid-year touchpoint allowed us to better measure the direct impact of current market conditions on employee feelings of financial wellness. To qualify for the survey, employees had to be current participants of a 401(k) plan and employers had to offer a 401(k) plan option. Neither was required to work with Bank of America. Bank of America was not identified as the sponsor of the study.
Bank of America Institute
Bank of America Institute is dedicated to uncovering powerful insights that move business and society forward. Established in 2022, the Institute is a think tank that draws on data and analyses from across the bank and the world to provide timely and original perspectives on the economy, sustainability, and global transformation. The Institute leverages the depth and breadth of the bank's proprietary data, from approximately 68 million consumer and small business clients, 56 million verified digital users,
Bank of America
Bank of America is one of the world's leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides unmatched convenience in
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