LogoLedger
Active Employee Count — Live
0,000,000

financially stressed employees helped this quarter

Turn payday confusion into paycheck confidence
— wired directly into your benefits stack

Score Your WorkforceSee the data
63%
workforce losing sleep over money
34→71%
avg 401(k) participation lift
$2,400
saved per employee, year one
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Michelle Okafor, VP of People Operations at Hartwell Logistics, seated at their desk

"We'd tried EAPs, lunch-and-learns, all of it. Ledger was the first thing that employees actually opened on a Tuesday night and came back to."

Michelle Okafor
VP of People Operations
Hartwell Logistics · 840 employees
Quarterly Benchmarks

How Hartwell Logistics moved the needle in 12 months

MetricBefore LedgerAfter 12 MonthsΔ Change
Voluntary turnover rate24.1%16.8%-7.3pp
401(k) participation38%69%+31pp
Avg. employee savings balance$1,240$3,610+$2,370
Absenteeism (days/yr/employee)8.45.1-3.3 days
Retention survey score (benefits)54/10081/100+27 pts
HR escalations re: payroll confusion112/qtr29/qtr-74%

Data from Hartwell Logistics internal HR systems · Verified by Ledger analytics · Q4 2025

63%of employees report financial stress affecting productivity
4.1×ROI on financial wellness benefits vs. EAP programs
$1,900average annual productivity loss per stressed employee
34→71%401(k) participation lift at median Ledger client
28%reduction in voluntary turnover after 18 months
$2,400average employee savings balance increase, year one
91%monthly active user rate among enrolled employees
6 daysaverage absenteeism reduction per year per employee
63%of employees report financial stress affecting productivity
4.1×ROI on financial wellness benefits vs. EAP programs
$1,900average annual productivity loss per stressed employee
34→71%401(k) participation lift at median Ledger client
28%reduction in voluntary turnover after 18 months
$2,400average employee savings balance increase, year one
91%monthly active user rate among enrolled employees
6 daysaverage absenteeism reduction per year per employee
Derek Sánchez, Director of Total Rewards at Meridian Health Systems, seated at their desk

"The CFO wanted a single number. Ledger gave us $4.1M in avoided turnover costs in year one. That's the conversation we needed to have."

Derek Sánchez
Director of Total Rewards
Meridian Health Systems · 1,450 employees
Quarterly Benchmarks

Meridian Health's company-level ROI after 18 months

MetricBefore LedgerAfter 12 MonthsΔ Change
Cost-per-hire (avg)$8,400$8,400stable
Annual turnover cost$6.8M$2.7M-$4.1M
Dept avg. savings rate (% income)3.2%8.7%+5.5pp
Financial stress self-report (1–10)7.14.2-2.9 pts
Monthly active users (enrolled)—91%91% MAU
Debt paydown (avg/enrolled employee)—$4,200/yr+$4,200

Data from Meridian Health Systems internal HR systems · Verified by Ledger analytics · Q4 2025

5-Question Diagnostic

Score Your Workforce

Answer five questions. See your projected ROI before you finish. No email required for partial results.

1 / 5

How many employees does your company have?

500employees
2002,000+

Projected ROI — Live

29%ROI SCORE
Good
Est. annual savings$334K
Turnover cost reduction$223K
Total projected impact$556K

Based on 0 of 5 answers · Updates in real time

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The 2026 Workforce Financial Wellness Benchmarking Report

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  • Industry benchmarks across 14 verticals
  • 401(k) participation rates by company size
  • Financial stress → absenteeism correlation data
  • ROI calculation methodology (peer-reviewed)
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