What ‘Wellness’ Covers

Budgeting, emergency savings, debt management, student‑loan strategies, and retirement planning basics.

Plan Outcomes

Improved participation and deferral rates

Reduced loan/hardship usage

Higher engagement with employer contributions

Implementation Tips

Offer short modules, office hours, and targeted nudges before open enrollment and pay increase cycles.

Plan Sponsor Action Checklist

References

• General industry research on financial wellness outcomes.