Vitality Enhance employee financial wellness with personal insurance options. Despite inflation easing, financial stress remains a significant workplace issue. Only 47% of U.S. workers report feeling financially well,4 leading to productivity losses and retention risks. More than half of financially stressed employees spend three or more hours per week 5 These dealing with personal finances while at work. employees are also more likely to leave for new jobs. To counter this, employers can offer voluntary benefits that help support the financial wellbeing of their employees. According to the HUB International 2025 Outlook Executive Survey, 96% of the respondents state their Nonprofits may prioritize personal insurance benefits employees’ financial wellness has been impacted more than other industries, with 38% offering options “moderately” or “severely” by rising personal insurance to employees, according to the HUB survey. Securing premiums. While the HUB survey data show that U.S. and maintaining a dedicated workforce in this sector companies want to improve employee financial wellness is challenged by tight budgets and grueling service by offering personal insurance solutions as a voluntary demands. Still, nearly two-thirds may miss an opportunity benefit, most do not – putting workplace vitality at risk. to limit turnover and maintain organizational effectiveness by not offering these additional benefits. In real estate, for example, comprehensive financial support could help retain agents and better ensure long- term success for brokerages. HUB’s survey data indicates 4. SHRM, “Employee Financial Wellness Inches Up After All-Time that only 10% of real estate companies offer personal Low,” May 29, 2024. insurance solutions, while up to 88% of new agents quit 5. PwC, “PWC’s 2023 Employee Financial Wellness Survey,” January 2023. 6 before reaching their five-year tenure. 6. HR Management, “Overcoming High Turnover Rates: Lessons From The Real Estate Industry,” June 13, 2024. Retaining talent becomes increasingly vital in industries 7. U.S. Bureau of Labor Statistics, “Charging into the future: the requiring a specialized workforce. In the competitive transition to electric vehicles,” February 2023. industry of electric vehicle manufacturing, companies could offer personal insurance benefits to differentiate themselves and attract top candidates. It is estimated that there will be a 17% increase in employment in the sector between 2021 to 2031, so businesses must prioritize 7 benefits to retain skilled workers amid growing demand. 4