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A new study from the HR Research Institute has uncovered a critical gap in organizational understanding of employees’ financial well-being. Only 14% of respondents report having a deep understanding of the financial health of their workforce, highlighting that many organizations still have a long way to go in recognizing and addressing their employees’ financial needs. In comparison, about half (51%) say they understand it “somewhat,” based only on sporadic data. This leaves 36% with little to no understanding at all.
The HR.com report, HR.com’s State of Financial Wellness 2025, examines employee financial stressors and how businesses can foster a healthier, more motivated workforce, highlighting the growing need for financial wellness programs. A key finding reveals that debt has surpassed inflation as the number one financial stressor, affecting 68% of employees. This shift underscores the growing need for organizations to provide support in managing employees’ financial burdens.
Despite the clear need, there is a lack of financial wellness programs. Only 39% of organizations have or are considering implementing an employee financial wellness program aside from retirement programs. The barriers to adoption include:
Budget constraints or lack of funds (48%)
More pressing priorities (36%)
Insufficient buy-in from senior management (34%)
Further analysis highlights the fact that employee
