Many employees miss out on the full value of their retirement match because they lack paycheck guidance. Learn how employers can turn uncertainty into long-term security and increase the return on their benefits investment.

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The 401(k) match is one of the most meaningful investments an employer makes in its people. It should fuel long-run security, strengthen loyalty, and reinforce your compensation strategy. Yet when employees fail to contribute enough to receive the match, or lack the confidence to know if they are on track, that investment loses its power.

Most workers are trying to do the right thing. Sixty-eight percent contribute enough to receive the full match.* Still, nearly half lack confidence in their retirement plan, and forty-six percent do not know what they will need for a comfortable future. Even more are unsure what Social Security will cover. When uncertainty rises, the value of the match erodes.

Financial stress becomes a tax on your investment, affecting the mental health of sixty-one percent of employees, and contributing to presenteeism. If employees do not feel secure, the match cannot deliver the retention value it was designed to provide.

This is not a contribution challenge. It is a guidance challenge.

To unlock the value of the match, employees need direction that connects their paycheck choices to their long-term security. They need to see how retirement fits with their taxes, savings, debt, and household budget. Traditional retirement platforms cannot give this level of clarity because they operate in a silo.

When guidance is built directly into the paycheck experience, the retirement match becomes more than a line item. It becomes a catalyst for confidence.

Stop the drain. Start the security. The full ROI of your retirement investment depends on intentional paycheck guidance.

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Download the SAVVI Financial Research Report, Every Dollar Counts, to learn how employers can capture every dollar of value for their people and their organization. Or simply click here to schedule a 30 minute chat.

*Source: 2025 Every Dollar Counts, https://www.savvifi.com/spotlight

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