Financial literacy: the hidden key to unlocking higher ROI on employee benefits

Every year, employers invest vast amounts in salaries, bonuses, pensions, and other benefits. Yet, these investments often don’t deliver the desired impact. Employees feel financially insecure, underutilize their benefits, and experience uncertainty about their future. That’s hardly surprising, given the turbulence of the pension transition, political developments at home and abroad, and uncertain economic prospects.

Our Employee Financial Well-being Survey 2025 makes this crystal clear:

• 78% of employees don’t know what steps they need to take to achieve their financial goals.

• 31% worry about their financial future almost daily.

• 71% have no clear picture of how much income they will need in retirement.

In short: financial literacy is low – and as a result, both employees and employers are leaving significant value on the table.

Why does this matter for HR and the pension sector?

A pension plan or secondary benefits package only delivers ROI if employees understand and appreciate it. It’s that simple.

The solution: investing in financial skills

In our latest whitepaper “Financial literacy: The key to unlocking the full ROI of total compensation” we show how employers and the pension sector can turn the tide. Backed by research insights, real-life examples, and practical tools.

Download the whitepaper here and discover how to strengthen financial literacy within your organization – and maximize the return on your pension and broader benefits programs.