By SAVVI Team‍

Most employees don't think about benefits and retirement as connected decisions. Neither do most enrollment platforms, and that's the problem.

Benefits and retirement compete for the same paycheck, but they're almost always presented as separate choices, made at separate times, with no visibility into how one affects the other. The result: roughly 33% of employees severely undersave for retirement, not because they don't care, but because they over-insured on premiums without ever seeing the downstream cost.

This isn't a financial literacy problem, it's a guidance design problem.

When employees get connected guidance, the kind that shows them exactly how to allocate their next available dollar across health costs, HSAs, and retirement in a single workflow, behavior shifts dramatically:

• Retirement contribution changes jumped from 2% to 27% once employees engaged with integrated guidance
• Employees are 12.5x more likely to optimize retirement contributions during enrollment
• HSA adoption lifted 21% among guidance users
• 50% of users extended engagement beyond open enrollment for ongoing optimization

No survey, no separate tool, and no asking employees to connect the dots themselves. That's what SAVVI's SelectSmart and NextDollar deliver together, survey-less guidance that treats benefits and retirement as what they actually are: one financial decision.

Heading into 2026 open enrollment, the brokers and employers who close this gap will see it in their numbers. Let’s connect on how SAVVI solutions can help your employees build financial fortitude and strengthen your strategy heading into open enrollment. Click here to schedule a 30-minute chat, call 781-583-7017, or email sales@savvifi.com.

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