THE U.S. FINANCIAL WELLNESS BENEFITS MARKET IS EXPECTED TO REACH USD 1.89 BILLION BY 2028 FROM USD 618.19 MILLION IN 2022, GROWING AT A CAGR OF 20.49% DURING THE FORECAST PERIOD.

The U.S. Financial Wellness Benefits Market Size, Share, & Trends Analysis Report by

  • Program: Financial Planning, Financial Education & Counseling, Retirement Planning, Debt Management, and Others
  • End-User: Large Businesses, Medium-Sized Businesses, and Small-Sized Businesses
  • Delivery: One-On-One, Online/Digital, and Group
  • Type: Consumer Tools and Employer Tools
  • Industry: Healthcare, Financial Services, Education, Manufacturing, Public Sector, and Others
  • Region: South, West, Midwest, and Northeast

Industry Analysis Report, Regional Outlook, Growth Potential, Price Trends, Competitive Market Share & Forecast 2023–2028.

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353 Pages

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120 Tables

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127 Charts

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4 Regions

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1 Countries

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45 Companies

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6 Market Segment

U.S. FINANCIAL WELLNESS BENEFITS MARKET REPORT SCOPE

Report Attribute Details
Market Size (2028) USD 1.89 Billion
Market Size (2022) USD 618.19 Million
CAGR (2022-2028) 20.49%
Base Year 2022
Forecast Year 2023-2028
Market Segments Program, End-User, Delivery, Type, Industry, and Region
Geographic Analysis The United States (South, West, Midwest, and Northeast)
KEY PLAYERS Bank of America Merrill Lynch, Financial Finesse, Mercer, Prudential Financial, and Virgin Pulse

INDUSTRY INSIGHTS

The U.S. financial wellness benefits market was valued at USD 618.19 million in 2022 and is expected to reach USD 1.89 billion by 2028, growing at a CAGR of 20.49%. Financial wellness benefits have a broad range of definitions as it is a multi-faceted concept based on an employee's goals, attitudes, financial knowledge, environment, and circumstances. However, on the surface, they are generally benefits delivered through education & retirement planning and wellness assessment tools that can aid the workforce in gaining confidence, control, and responsibility for day-to-day financial decisions, overall well-being, the ability to manage unplanned expenses and have the finances to meet future milestones. From a larger perspective, the U.S. financial wellness market, with the help of employee wellness benefits, drives more productivity and engagement.

Financial wellness is being re-imagined – it is no longer a retirement plan with benefit missives. As employees seek out unique benefits, the gamut of financial wellness benefits (86%) is only expanding, placing it behind physical well-being (94%) and programs & mental health programs (89%) in terms of employers offering them. More employers are beginning to go beyond retirement and offering debt management, budgeting, investing, and planning. Moreover, some of the financial wellness benefits are intended to assist employees in moving beyond retirement planning and into excellent financial practices such as the following:

  • Following a spending plan
  • Maintaining a low debt level
  • Having active savings and retirement plans
  • Being protected against significant financial risks

MARKET TRENDS & OPPORTUNITIES

Increasing Growth In Early Wage Access
Employers are finding new ways to engage their employees and deliver value through new solutions, partnerships, and early access to their earned wages more than ever before. Considering that a major percentage of the U.S. population, or nearly 80%, is living paycheck to paycheck, even a small contradiction between earnings and expenses can thrust them into debt as many fees and bills Americans pay late, and it incurs costs that can add up quickly. For instance, a bank overdraft fee can be over USD 30, and rent payments that are paid beyond the required date can be even heavier. Most individuals have little savings for emergencies, even those much smaller than the ones caused by the pandemic. While several organizations have been forthcoming about advanced wages, some don’t, leaving employees with fewer choices, such as not meeting financial responsibilities, tapping into retirement savings, and high-cost, high-risk payday loans.

Therefore, the main reason for early wage access to be so much in demand is that it can reduce the need for short- and long-term borrowing. Such factors also help to increase flexibility and control over earned salaries. The growth of peer-to-peer payment applications, among other novel technologies, has increased the tendency to expect payments sooner. In addition, it can benefit many credit-invisible/credit-damaged employees who do not have too many options in the traditional scenario. Furthermore, players in the U.S. financial wellness market have ensured that these services are responsibly deployed by incorporating protection measures like keeping access restricted to a certain share of the available wages and involving employee advocates.

Integrating & Leveraging Existing Benefits
Financial wellness has found its place in the benefits space as a natural extension of health-based benefits, which are augmented and made more rewarding through physical and mental wellness programs. This is a good enough reason to mix in financial wellness and leverage an integrated approach for maximum benefits and impact on overall well-being. Furthermore, although no specific definition can round off a financial wellness program, several elements overlap in the current benefits package. Financial wellness programs and benefits differ from the perspective of duration and recurrence. Programs tend to be more one-off or self-contained; however, when they are included in benefits, they are geared at repeated interactions and are integrated with other benefits. Planning tools and education are already part of equity compensation and 401(k) plans. There is a growing trend toward providing more financial wellness support through retirement planning courses and self-service tools.

INDUSTRY RESTRAINTS

Fiduciary Concerns Hinder Efforts
For businesses and organizations, there is a real threat of lawsuits that is fuelling reluctance to implement employee financial wellness programs and doling out benefits. The litigious environment has created a lot of panic among employers about possible repercussions from giving advice that can go wrong or not adhering to legal requirements and financial fiduciary responsibility. Several employers do not vet their services to create financial wellness benefits.

Hence, when it ends up not being in the employees' best interests, legal problems tend to follow. In the past couple of years, there have been many lawsuits where employees have held employers responsible for violating their ERISA-mandated fiduciary standards while managing their 401(k) plans. Most of these lawsuits are hinged on plan charges, including excessive fees paid to plan record keepers and high investment fund fees. Such factors reduce the possibility of improving participant outcomes and hindering the development of the U.S. financial wellness market.

SEGMENTATION INSIGHTS

INSIGHTS BY PROGRAM
The U.S. financial wellness benefits market by program is segmented into financial planning, financial education & planning, retirement planning, debt management, and others. Among these, financial planning accounted for the highest share, followed by financial education & planning. Periodic employer encouragement can motivate employees to use these beneficial programs and lead to more proactive employees with positive outcomes. Vendors can work with top management in companies to implement changes. For instance, HR processes can add a component that provides referrals to a financial counselor and serves as a nudge that would enable employees to make the most use of the benefits offered. Financial wellness needs to be a way of life for ultimate financial security. Still, for most workers in the U.S., financial challenges are not expected to go away anytime soon, making the U.S. financial wellness market a lucrative one.

INSIGHTS BY END USER
Large businesses end-user accounted for the highest portion of the U.S. financial wellness market. Large companies have always invested more in financial wellness, recognizing financial anxiety as a particularly serious issue. However, they have only recently started offering a more full-bodied set of voluntary financial wellness benefits, occasionally with discounts or cash incentives, to help employees manage money. This is because leading companies with a diverse global workforce are beginning to see the link between financially well employees and how they work – aka employee productivity. Nearly 40% of employers are thus offering financial wellness programs, with about 30% citing “differentiation from other employers” as the second most important reason. Often, these offerings are provided in addition to an already available set of services, including investment guidance, retirement, and insurance services. Almost 92% of the companies include financial wellness programs such as budgeting and debt management. Around 76% of them also include some stress management training. The U.S. financial wellness benefits market for large businesses end-user is largely catered to by providers such as AYCO, Mercer, Fidelity, Prudential, Financial Finesse, and PwC.

INSIGHTS BY DELIVERY
The U.S. financial wellness market by delivery is segmented into online, one-on-one, and group. The one-to-one segment accounted for the highest share of almost 48% in 2022. Organizations use various channels to deliver information to employees for financial wellness benefits. Much of it depends on the size of the employee population, resources available, how employees want the information to reach them, the type of information or counseling, components involved, the density of the workforce in a particular location, and their geographical dispersion. These programs are delivered via in-person sessions, through the intranet, via email, through a screen, or in groups. Utilization varies by delivery and population, along with income. While low-income workers are less likely to be open to using a financial wellness benefit than a higher-income worker if they face a lot of financial stress, they are more likely to use higher-touch services such as financial coaching and payroll advances, and those with lesser ones would take up online tools such as budgeting apps or direct deposits. However, financial wellness programs are expected to become more comprehensive and connected.

INSIGHTS BY TYPE
The consumer tools type segment has the largest U.S. financial wellness market share. Consumer tools typically help employees develop financial action plans and budgets, games to facilitate saving, programs that help with debt management, budgeting and bill payments, and other approaches that can help employees understand their full financial picture. While consumer tools aim at providing teachable moments, one of the paradoxes is that change takes longer and happens slower than anticipated. In addition, a major reason why individuals may want to speak to a financial expert is that it tends to have higher related accountability and motivation.

INSIGHTS BY INDUSTRY
The U.S. financial wellness benefits market by industry is segmented into healthcare, financial services, education, manufacturing, public sector, and others. The healthcare industry had the highest market share in 2022. Workplace financial wellness programs in healthcare companies and systems have been going strong in the country because the industry is specifically susceptible to disadvantageous outcomes due to workforce volatility in a system where reliable and consistent care is a priority. Given that the industry’s turnover is almost 21% among the worst across industries, financial wellness benefits are being viewed as a way to drive retention.

REGIONAL ANALYSIS

The Southern region accounted for the largest U.S. financial wellness market share in 2022, accounting for over 34.82%. The Southern region consists of the following major states: Texas, Florida, Virginia, Georgia, and others. It has one of the largest companies and ranks the highest regarding the number of employees in the United States. Furthermore, the primary drivers of health and wellbeing programs in the U.S. are the need to manage workplace stressors like long working hours, the quality of work-life balance, and rising workplace competition. After a long period of slow growth, profits at the company have increased, fueling the use of stress management programs. As a result, employees can better allocate budgets for stress management programs. As a result, expansion is anticipated in the U.S. workplace stress management market over the forecast period.

The U.S. population mainly pays a higher price from workplace stressors, in terms of health costs and perhaps mortality, than do workers in comparison to OECD countries in Europe. Increasing awareness about workplace stress costs, expanding health insurance coverage, and adopting family-friendly work policies more widely could benefit U.S. workers. Hence, major U.S. financial wellness market vendors are focusing on new ways to deliver financial wellness programs using the potential of digital technology to offer information via company portals and host virtual screenings.

COMPETITIVE LANDSCAPE

The U.S. financial wellness benefits market is highly fragmented, with several top vendors. Start-ups and employee benefits providers (offering EAPs, healthcare, and insurance) occupy the player space in the market. They are the most recent ones and do not necessarily have a good track record. However, they are fueling innovation and re-imagining the financial services space, for instance, micro-savings as against savings accounts. The key players in the U.S. financial wellness market include Bank of America Merrill Lynch, Financial Finesse, Mercer, Prudential Financial, and Virgin Pulse.

The U.S. financial wellness market has also witnessed the entry of banks, credit unions, community-based non-profit organizations, and insurance companies, which have largely catered to at-risk individuals. They either acquire or partner with a smaller financial wellness benefits market player. For instance, many 401(k) advisors are beginning to partner with an unbiased financial wellness partner to incorporate financial wellness into the retirement plan program. Retirement plan consultants are moving beyond 401(k) and more towards making financial wellness the base of their business, given that the market is moving in that direction and employers tend to trust them.

Frequently Asked Questions

How big is the U.S. financial wellness benefits market?

The U.S. financial wellness benefits market size was valued at USD 618.19 million in 2022 and is expected to reach USD 1.89 billion by 2028.

What is the growth rate of the U.S. financial wellness benefits market?

The U.S. financial wellness benefits market share is growing at a CAGR of 20.49% from 2022-2028.

What are the growing trends in the U.S. financial wellness benefits market?

The growing trends in the U.S. financial wellness market are the growing role of wellness champions, increasing growth in early wage access, increasing penetration of the gig economy in the U.S., huge interest & investment from investment companies, hijack of the term financial wellness, the growing influence of data analytics in financial wellness, rising financial wellness incentives, and administration of targeted benefits.

Which region holds the most significant U.S. financial wellness benefits market share?

The Southern region dominated the U.S. financial wellness market share, accounting for over 34% in 2022.

Who are the key players in the U.S. financial wellness benefits market?

Bank of America Merrill Lynch, Financial Finesse, Mercer, Prudential Financial, and Virgin Pulse are the key players in the U.S. financial wellness benefits market.

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The U.S. financial wellness benefits market size is expected to grow at a CAGR of approximately 20.49% from 2022 to 2028.

The following factors are likely to contribute to the growth of the U.S. financial wellness market during the forecast period:

  • Changing Work Dynamics in the U.S.
  • Pandemic Fueling Demand for Financial Wellness
  • Integrating & Leveraging Existing Benefits
  • Employers Take Onus for Employee Financial Wellness

Base Year: 2022

Forecast Year: 2023-2028

The report considers the present scenario of the U.S. financial wellness market and its market dynamics for 2023−2028. It covers a detailed overview of several market growth enablers, restraints, and trends. The study covers both the demand and supply sides of the industry. It also profiles and analyzes leading companies and several other prominent companies operating in the market.

Key Company Profiles

  • Bank of America Merrill Lynch
    • Business Overview
    • Key Facts
    • Service Offerings
    • Key Strategies
    • Key Strengths
    • Key Opportunities
  • Financial Finesse
  • Mercer
  • Prudential Financial
  • Virgin Pulse

Other Prominent Vendors

  • Aduro
    • Business Overview
    • Service Offerings
    • Key Strengths
    • Key Strategies
  • Ayco
  • BaySport
  • Beacon Health Options
  • Best Money Moves
  • BrightDime
  • BrightPlan
  • Brightside
  • DHS Group
  • Edukate
  • Enrich
  • Even
  • Financial Fitness Group
  • Financial Knowledge
  • FinFit
  • FlexWage
  • FutureFuel.io
  • GoPlan 101
  • HealthCheck360
  • Holberg Financial
  • Health Advocate
  • Integrated Wellness Partners
  • LearnLux
  • LifeCents
  • Limeade
  • Money Starts Here
  • My Secure Advantage
  • Origin
  • Payactiv
  • Pro Financial Health
  • Purchasing Power
  • Questis
  • Ramsey Solutions
  • Salary Finance
  • Savology
  • Sqwire
  • SoFi
  • The Financial Gym
  • Transamerica
  • Your Money Line

Segmentation by Program

  • Financial Planning
  • Financial Education & Counseling
  • Retirement Planning
  • Debt Management
  • Others

Segmentation by End-User

  • Large Businesses
  • Medium-Sized Businesses
  • Small-Sized Businesses

Segmentation by Delivery

  • One-On-One
  • Online/Digital
  • Group

Segmentation by Type

  • Consumer Tools
  • Employer Tools

Segmentation by Industry

  • Healthcare
  • Financial Services
  • Education
  • Manufacturing
  • Public Sector
  • Others

Segmentation by Region

  • South
  • West
  • Midwest
  • Northeast

1 RESEARCH METHODOLOGY

2 RESEARCH OBJECTIVES

3 RESEARCH PROCESS

4 SCOPE & COVERAGE

4.1 MARKET DEFINITION

4.1.1 INCLUSIONS

4.1.2 EXCLUSIONS

4.1.3 MARKET ESTIMATION CAVEATS

4.2 BASE YEAR

4.3 SCOPE OF THE STUDY

4.3.1 MARKET SEGMENTATION BY PROGRAM

4.3.2 MARKET SEGMENTATION BY END USER

4.3.3 MARKET SEGMENTATION BY DELIVERY MODEL

4.3.4 MARKET SEGMENTATION BY TYPE

4.3.5 MARKET SEGMENTATION BY INDUSTRY

5 REPORT ASSUMPTIONS & CAVEATS

5.1 KEY CAVEATS

5.2 CURRENCY CONVERSION

5.3 MARKET DERIVATION

6 PREMIUM INSIGHTS

6.1 MARKET DEFINITION

6.2 REPORT OVERVIEW

6.2.1 MARKET SNAPSHOT

6.3 ANALYSIS OF OPPORTUNITIES & CHALLENGES

6.4 SEGMENT ANALYSIS

6.5 REGIONAL ANALYSIS

6.6 COMPETITIVE LANDSCAPE

7 MARKET AT A GLANCE

8 INTRODUCTION

8.1 OVERVIEW

8.1.1 COST OF STRESS TO US CORPORATE SECTOR

8.1.2 EMPLOYEE WELLBEING IN US BY STATE

8.2 FINANCIAL WELLNESS: AN OVERVIEW

8.2.1 FINANCIAL WELLNESS: FRAMEWORK

8.3 STATE OF US HEALTHCARE

8.4 ECONOMIC AND DEMOGRAPHICAL ANALYSIS

8.4.1 POPULATION

8.4.2 INCOME

8.4.3 GENERATION AND AGE TRENDS

8.4.4 RACIAL/ETHNIC TRENDS

8.5 AMERICAN WORKFORCE ANALYSIS

9 MARKET OPPORTUNITIES & TRENDS

9.1 GROWING ROLE OF WELLNESS CHAMPIONS

9.2 INCREASING GROWTH IN EARLY WAGE ACCESS

9.3 HIGH PENETRATION OF GIG ECONOMY IN US

9.4 SIGNIFICANT INTEREST FROM INVESTMENT COMPANIES

9.5 LACK OF CLARITY ON FINANCIAL WELLNESS

9.6 GROWING INFLUENCE OF DATA ANALYTICS IN FINANCIAL WELLNESS

9.7 RISING FINANCIAL WELLNESS INCENTIVES

9.8 ADMINISTRATION OF TARGETED BENEFITS

10 MARKET GROWTH ENABLERS

10.1 CHANGING WORK DYNAMICS IN US

10.2 PANDEMIC FUELING DEMAND FOR FINANCIAL WELLNESS

10.3 INTEGRATING & LEVERAGING EXISTING BENEFITS

10.4 EMPLOYERS TAKE ONUS FOR EMPLOYEE FINANCIAL WELLNESS

11 MARKET RESTRAINTS

11.1 MISALIGNMENT IN FINANCIAL WELLNESS OFFERINGS

11.2 FIDUCIARY CONCERNS HINDER EFFORTS

11.3 ELUSIVE RETURNS ON INVESTMENT

11.4 LOW EMPLOYEE PARTICIPATION & ENGAGEMENT

12 MARKET LANDSCAPE

12.1 MARKET OVERVIEW

12.1 PEST ANALYSIS

12.1.1 POLITICAL

12.1.2 ECONOMIC

12.1.3 SOCIAL

12.1.4 TECHNOLOGY

12.2 MARKET SIZE & FORECAST

12.3 INDUSTRY

12.3.1 MARKET SIZE & FORECAST

12.4 PROGRAM

12.4.1 MARKET SIZE & FORECAST

12.5 END USER

12.5.1 MARKET SIZE & FORECAST

12.6 TYPE

12.6.1 MARKET SIZE & FORECAST

12.7 DELIVERY

12.7.1 MARKET SIZE & FORECAST

12.8 FIVE FORCES ANALYSIS

12.8.1 THREAT OF NEW ENTRANTS

12.8.2 BARGAINING POWER OF SUPPLIERS

12.8.3 BARGAINING POWER OF BUYERS

12.8.4 THREAT OF SUBSTITUTES

12.8.5 COMPETITIVE RIVALRY

13 PROGRAM

13.1 MARKET SNAPSHOT & GROWTH ENGINE

13.2 MARKET OVERVIEW

13.3 FINANCIAL PLANNING

13.3.1 MARKET OVERVIEW

13.3.2 MARKET SIZE & FORECAST

13.3.3 MARKET BY REGION

13.4 FINANCIAL EDUCATION & COUNSELING

13.4.1 MARKET OVERVIEW

13.4.2 MARKET SIZE & FORECAST

13.4.3 MARKET BY REGION

13.5 RETIREMENT PLANNING

13.5.1 MARKET OVERVIEW

13.5.2 MARKET SIZE & FORECAST

13.5.3 MARKET BY REGION

13.6 DEBT MANAGEMENT

13.6.1 MARKET OVERVIEW

13.6.2 MARKET SIZE & FORECAST

13.6.3 MARKET BY REGION

13.7 OTHERS

13.7.1 MARKET OVERVIEW

13.7.2 MARKET SIZE & FORECAST

13.7.3 MARKET BY REGION

14 END USER

14.1 MARKET SNAPSHOT & GROWTH ENGINE

14.2 MARKET OVERVIEW

14.3 LARGE BUSINESSES

14.3.1 MARKET OVERVIEW

14.3.2 MARKET SIZE & FORECAST

14.3.3 MARKET BY REGION

14.4 MEDIUM-SIZED BUSINESSES

14.4.1 MARKET OVERVIEW

14.4.2 MARKET SIZE & FORECAST

14.4.3 MARKET BY REGION

14.5 SMALL BUSINESSES

14.5.1 MARKET OVERVIEW

14.5.2 MARKET SIZE & FORECAST

14.5.3 MARKET BY REGION

15 DELIVERY

15.1 MARKET SNAPSHOT & GROWTH ENGINE

15.2 MARKET OVERVIEW

15.3 ONE-ON-ONE

15.3.1 MARKET OVERVIEW

15.3.2 MARKET SIZE & FORECAST

15.3.3 MARKET BY REGION

15.4 ONLINE/DIGITAL

15.4.1 MARKET OVERVIEW

15.4.2 MARKET SIZE & FORECAST

15.4.3 MARKET BY REGION

15.5 GROUP

15.5.1 MARKET OVERVIEW

15.5.2 MARKET SIZE & FORECAST

15.5.3 MARKET BY REGION

16 TYPE

16.1 MARKET SNAPSHOT & GROWTH ENGINE

16.2 MARKET OVERVIEW

16.3 CONSUMER TOOLS

16.3.1 MARKET OVERVIEW

16.3.2 MARKET SIZE & FORECAST

16.3.3 MARKET BY REGION

16.4 EMPLOYER TOOLS

16.4.1 MARKET OVERVIEW

16.4.2 MARKET SIZE & FORECAST

16.4.3 MARKET BY REGION

17 INDUSTRY

17.1 MARKET SNAPSHOT & GROWTH ENGINE

17.2 MARKET OVERVIEW

17.3 HEALTHCARE

17.3.1 MARKET OVERVIEW

17.3.2 MARKET SIZE & FORECAST

17.3.3 MARKET BY REGION

17.4 FINANCIAL SERVICES

17.4.1 MARKET OVERVIEW

17.4.2 MARKET SIZE & FORECAST

17.4.3 MARKET BY REGION

17.5 EDUCATION

17.5.1 MARKET OVERVIEW

17.5.2 MARKET SIZE & FORECAST

17.5.3 MARKET BY REGION

17.6 MANUFACTURING

17.6.1 MARKET OVERVIEW

17.6.2 MARKET SIZE & FORECAST

17.6.3 MARKET BY REGION

17.7 PUBLIC SECTOR

17.7.1 MARKET OVERVIEW

17.7.2 MARKET SIZE & FORECAST

17.7.3 MARKET BY REGION

17.8 OTHERS

17.8.1 MARKET OVERVIEW

17.8.2 MARKET SIZE & FORECAST

17.8.3 MARKET BY REGION

18 REGIONAL OVERVIEW

18.1 MARKET SNAPSHOT & GROWTH ENGINE

18.2 REGIONAL OVERVIEW

19 SOUTH

19.1 MARKET OVERVIEW

19.1.1 TEXAS

19.1.2 FLORIDA

19.2 MARKET SIZE & FORECAST

19.3 INDUSTRY

19.3.1 MARKET SIZE & FORECAST

19.4 PROGRAM

19.4.1 MARKET SIZE & FORECAST

19.5 END USER

19.5.1 MARKET SIZE & FORECAST

19.6 TYPE

19.6.1 MARKET SIZE & FORECAST

19.7 DELIVERY

19.7.1 MARKET SIZE & FORECAST

20 WEST

20.1 MARKET OVERVIEW

20.1.1 CALIFORNIA

20.1.2 WASHINGTON

20.2 MARKET SIZE & FORECAST

20.3 INDUSTRY

20.3.1 MARKET SIZE & FORECAST

20.4 PROGRAM

20.4.1 MARKET SIZE & FORECAST

20.5 END USER

20.5.1 MARKET SIZE & FORECAST

20.6 TYPE

20.6.1 MARKET SIZE & FORECAST

20.7 DELIVERY

20.7.1 MARKET SIZE & FORECAST

21 MIDWEST

21.1 MARKET OVERVIEW

21.1.1 ILLINOIS

21.1.2 MICHIGAN

21.2 MARKET SIZE & FORECAST

21.3 INDUSTRY

21.3.1 MARKET SIZE & FORECAST

21.4 PROGRAM

21.4.1 MARKET SIZE & FORECAST

21.5 END USER

21.5.1 MARKET SIZE & FORECAST

21.6 TYPE

21.6.1 MARKET SIZE & FORECAST

21.7 DELIVERY

21.7.1 MARKET SIZE & FORECAST

22 NORTHEAST

22.1 MARKET OVERVIEW

22.1.1 NEW YORK

22.1.2 NEW JERSEY

22.2 MARKET SIZE & FORECAST

22.3 INDUSTRY

22.3.1 MARKET SIZE & FORECAST

22.4 PROGRAM

22.4.1 MARKET SIZE & FORECAST

22.5 END USER

22.5.1 MARKET SIZE & FORECAST

22.6 TYPE

22.6.1 MARKET SIZE & FORECAST

22.7 DELIVERY

22.7.1 MARKET SIZE & FORECAST

23 COMPETITIVE LANDSCAPE

23.1 COMPETITION OVERVIEW

23.2 MARKET RANKING ANALYSIS

24 KEY COMPANY PROFILES

24.1 BANK OF AMERICA MERRILL LYNCH

24.1.1 BUSINESS OVERVIEW

24.1.2 KEY FACTS

24.1.3 SERVICE OFFERINGS

24.1.4 KEY STRATEGIES

24.1.5 KEY STRENGTHS

24.1.6 KEY OPPORTUNITIES

24.2 FINANCIAL FINESSE

24.2.1 BUSINESS OVERVIEW

24.2.2 KEY FACTS

24.2.3 SERVICE OFFERINGS

24.2.4 KEY STRATEGIES

24.2.5 KEY STRENGTHS

24.2.6 KEY OPPORTUNITIES

24.3 MERCER

24.3.1 BUSINESS OVERVIEW

24.3.2 KEY FACTS

24.3.3 SERVICE OFFERINGS

24.3.4 KEY STRATEGIES

24.3.5 KEY STRENGTHS

24.3.6 KEY OPPORTUNITIES

24.4 PRUDENTIAL

24.4.1 BUSINESS OVERVIEW

24.4.2 KEY FACTS

24.4.3 SERVICE OFFERINGS

24.4.4 KEY STRATEGIES

24.4.5 KEY STRENGTHS

24.4.6 KEY OPPORTUNITIES

24.5 VIRGIN PULSE

24.5.1 BUSINESS OVERVIEW

24.5.2 KEY FACTS

24.5.3 SERVICE OFFERINGS

24.5.4 KEY STRATEGIES

24.5.5 KEY STRENGTHS

24.5.6 KEY OPPORTUNITIES

25 OTHER PROMINENT VENDORS

25.1 ADURO

25.1.1 BUSINESS OVERVIEW

25.1.2 SERVICE OFFERINGS

25.1.3 KEY STRATEGIES

25.1.4 KEY STRENGTHS

25.2 AYCO

25.2.1 BUSINESS OVERVIEW

25.2.2 SERVICE OFFERINGS

25.2.3 KEY STRATEGIES

25.2.4 KEY STRENGTHS

25.3 BAYSPORT

25.3.1 BUSINESS OVERVIEW

25.3.2 SERVICE OFFERINGS

25.3.3 KEY STRATEGIES

25.3.4 KEY STRENGTHS

25.4 BEACON HEALTH OPTIONS

25.4.1 BUSINESS OVERVIEW

25.4.2 SERVICE OFFERINGS

25.4.3 KEY STRATEGIES

25.4.4 KEY STRENGTHS

25.5 BEST MONEY MOVES

25.5.1 BUSINESS OVERVIEW

25.5.2 SERVICE OFFERINGS

25.5.3 KEY STRATEGIES

25.5.4 KEY STRENGTHS

25.6 BRIGHTDIME

25.6.1 BUSINESS OVERVIEW

25.6.2 SERVICE OFFERINGS

25.6.3 KEY STRATEGIES

25.6.4 KEY STRENGTHS

25.7 BRIGHTPLAN

25.7.1 BUSINESS OVERVIEW

25.7.2 SERVICE OFFERINGS

25.7.3 KEY STRATEGIES

25.7.4 KEY STRENGTHS

25.8 BRIGHTSIDE

25.8.1 BUSINESS OVERVIEW

25.8.2 SERVICE OFFERINGS

25.8.3 KEY STRATEGIES

25.8.4 KEY STRENGTHS

25.9 DHS GROUP

25.9.1 BUSINESS OVERVIEW

25.9.2 SERVICE OFFERINGS

25.9.3 KEY STRATEGIES

25.9.4 KEY STRENGTHS

25.10 EDUKATE

25.10.1 BUSINESS OVERVIEW

25.10.2 SERVICE OFFERINGS

25.10.3 KEY STRATEGIES

25.10.4 KEY STRENGTHS

25.11 ENRICH

25.11.1 BUSINESS OVERVIEW

25.11.2 SERVICE OFFERINGS

25.11.3 KEY STRATEGIES

25.11.4 KEY STRENGTHS

25.12 EVEN

25.12.1 BUSINESS OVERVIEW

25.12.2 SERVICE OFFERINGS

25.12.3 KEY STRATEGIES

25.12.4 KEY STRENGTHS

25.13 FINANCIAL FITNESS GROUP

25.13.1 BUSINESS OVERVIEW

25.13.2 SERVICE OFFERINGS

25.13.3 KEY STRATEGIES

25.13.4 KEY STRENGTHS

25.14 FINANCIAL KNOWLEDGE

25.14.1 BUSINESS OVERVIEW

25.14.2 SERVICE OFFERINGS

25.14.3 KEY STRATEGIES

25.14.4 KEY STRENGTHS

25.15 FINFIT

25.15.1 BUSINESS OVERVIEW

25.15.2 SERVICE OFFERINGS

25.15.3 KEY STRATEGIES

25.15.4 KEY STRENGTHS

25.16 FLEXWAGE

25.16.1 BUSINESS OVERVIEW

25.16.2 SERVICE OFFERINGS

25.16.3 KEY STRATEGIES

25.16.4 KEY STRENGTHS

25.17 FUTUREFUEL.IO

25.17.1 BUSINESS OVERVIEW

25.17.2 SERVICE OFFERINGS

25.17.3 KEY STRATEGIES

25.17.4 KEY STRENGTHS

25.18 GOPLAN 101

25.18.1 BUSINESS OVERVIEW

25.18.2 SERVICE OFFERINGS

25.18.3 KEY STRATEGIES

25.18.4 KEY STRENGTHS

25.19 HEALTHCKECK360

25.19.1 BUSINESS OVERVIEW

25.19.2 SERVICE OFFERINGS

25.19.3 KEY STRATEGIES

25.19.4 KEY STRENGTHS

25.20 HOLBERG FINANCIAL

25.20.1 BUSINESS OVERVIEW

25.20.2 SERVICE OFFERINGS

25.20.3 KEY STRATEGIES

25.20.4 KEY STRENGTHS

25.21 HEALTH ADVOCATE

25.21.1 BUSINESS OVERVIEW

25.21.2 SERVICE OFFERINGS

25.21.3 KEY STRATEGIES

25.21.4 KEY STRENGTHS

25.22 INTEGRATED WELLNESS PARTNERS

25.22.1 BUSINESS OVERVIEW

25.22.2 SERVICE OFFERINGS

25.22.3 KEY STRATEGIES

25.22.4 KEY STRENGTHS

25.23 LEARNLUX

25.23.1 BUSINESS OVERVIEW

25.23.2 SERVICE OFFERINGS

25.23.3 KEY STRATEGIES

25.23.4 KEY STRENGTHS

25.24 LIFECENTS

25.24.1 BUSINESS OVERVIEW

25.24.2 SERVICE OFFERINGS

25.24.3 KEY STRATEGIES

25.24.4 KEY STRENGTHS

25.25 LIMEADE

25.25.1 BUSINESS OVERVIEW

25.25.2 SERVICE OFFERINGS

25.25.3 KEY STRATEGIES

25.25.4 KEY STRENGTHS

25.26 MONEY STARTS HERE

25.26.1 BUSINESS OVERVIEW

25.26.2 SERVICE OFFERINGS

25.26.3 KEY STRATEGIES

25.26.4 KEY STRENGTHS

25.27 MY SECURE ADVANTAGE

25.27.1 BUSINESS OVERVIEW

25.27.2 SERVICE OFFERINGS

25.27.3 KEY STRATEGIES

25.27.4 KEY STRENGTHS

25.28 ORIGIN

25.28.1 BUSINESS OVERVIEW

25.28.2 SERVICE OFFERINGS

25.28.3 KEY STRATEGIES

25.28.4 KEY STRENGTHS

25.29 PAYACTIV

25.29.1 BUSINESS OVERVIEW

25.29.2 SERVICE OFFERINGS

25.29.3 KEY STRATEGIES

25.29.4 KEY STRENGTHS

25.30 PRO FINANCIAL HEALTH

25.30.1 BUSINESS OVERVIEW

25.30.2 SERVICE OFFERINGS

25.30.3 KEY STRATEGIES

25.30.4 KEY STRENGTHS

25.31 PURCHASING POWER

25.31.1 BUSINESS OVERVIEW

25.31.2 SERVICE OFFERINGS

25.31.3 KEY STRATEGIES

25.31.4 KEY STRENGTHS

25.32 QUESTIS

25.32.1 BUSINESS OVERVIEW

25.32.2 SERVICE OFFERINGS

25.32.3 KEY STRATEGIES

25.32.4 KEY STRENGTHS

25.33 RAMSEY SOLUTIONS

25.33.1 BUSINESS OVERVIEW

25.33.2 SERVICE OFFERINGS

25.33.3 KEY STRATEGIES

25.33.4 KEY STRENGTHS

25.34 SALARY FINANCE

25.34.1 BUSINESS OVERVIEW

25.34.2 SERVICE OFFERINGS

25.34.3 KEY STRATEGIES

25.34.4 KEY STRENGTHS

25.35 SAVOLOGY

25.35.1 BUSINESS OVERVIEW

25.35.2 SERVICE OFFERINGS

25.35.3 KEY STRATEGIES

25.35.4 KEY STRENGTHS

25.36 SQWIRE

25.36.1 BUSINESS OVERVIEW

25.36.2 SERVICE OFFERINGS

25.36.3 KEY STRATEGIES

25.36.4 KEY STRENGTHS

25.37 SOFI

25.37.1 BUSINESS OVERVIEW

25.37.2 SERVICE OFFERINGS

25.37.3 KEY STRATEGIES

25.37.4 KEY STRENGTHS

25.38 THE FINANCIAL GYM

25.38.1 BUSINESS OVERVIEW

25.38.2 SERVICE OFFERINGS

25.38.3 KEY STRATEGIES

25.38.4 KEY STRENGTHS

25.39 TRANSAMERICA

25.39.1 BUSINESS OVERVIEW

25.39.2 SERVICE OFFERINGS

25.39.3 KEY STRATEGIES

25.39.4 KEY STRENGTHS

25.40 YOUR MONEY LINE

25.40.1 BUSINESS OVERVIEW

25.40.2 SERVICE OFFERINGS

25.40.3 KEY STRATEGIES

25.40.4 KEY STRENGTHS

26 REPORT SUMMARY

26.1 KEY TAKEAWAYS

26.2 STRATEGIC RECOMMENDATIONS

27 QUANTITATIVE SUMMARY

27.1 MARKET BY REGION

27.2 INDUSTRY

27.2.1 MARKET SIZE & FORECAST

27.3 PROGRAM

27.3.1 MARKET SIZE & FORECAST

27.4 END USER

27.4.1 MARKET SIZE & FORECAST

27.5 TYPE

27.5.1 MARKET SIZE & FORECAST

27.6 DELIVERY

27.6.1 MARKET SIZE & FORECAST

28 SOUTH

28.1 INDUSTRY

28.1.1 MARKET SIZE & FORECAST

28.2 PROGRAM

28.2.1 MARKET SIZE & FORECAST

28.3 END USER

28.3.1 MARKET SIZE & FORECAST

28.4 TYPE

28.4.1 MARKET SIZE & FORECAST

28.5 DELIVERY

28.5.1 MARKET SIZE & FORECAST

29 WEST

29.1 INDUSTRY

29.1.1 MARKET SIZE & FORECAST

29.2 PROGRAM

29.2.1 MARKET SIZE & FORECAST

29.3 END USER

29.3.1 MARKET SIZE & FORECAST

29.4 TYPE

29.4.1 MARKET SIZE & FORECAST

29.5 DELIVERY

29.5.1 MARKET SIZE & FORECAST

30 MIDWEST

30.1 INDUSTRY

30.1.1 MARKET SIZE & FORECAST

30.2 PROGRAM

30.2.1 MARKET SIZE & FORECAST

30.3 END USER

30.3.1 MARKET SIZE & FORECAST

30.4 TYPE

30.4.1 MARKET SIZE & FORECAST

30.5 DELIVERY

30.5.1 MARKET SIZE & FORECAST

31 NORTHEAST

31.1 INDUSTRY

31.1.1 MARKET SIZE & FORECAST

31.2 PROGRAM

31.2.1 MARKET SIZE & FORECAST

31.3 END USER

31.3.1 MARKET SIZE & FORECAST

31.4 TYPE

31.4.1 MARKET SIZE & FORECAST

31.5 DELIVERY

31.5.1 MARKET SIZE & FORECAST

32 APPENDIX

32.1 ABBREVIATIONS

EXHIBIT 1 SEGMENTATION OF US FINANCIAL WELLNESS MARKET

EXHIBIT 2 MARKET SIZE CALCULATION APPROACH 2022

EXHIBIT 3 PREMIUM INSIGHTS OF US FINANCIAL WELLNESS MARKET

EXHIBIT 4 MARKET SNAPSHOT

EXHIBIT 5 EMPLOYMENT STATISTICS IN US

EXHIBIT 6 CHANGE IN REAL GDP IN US 2017–2023 (%)

EXHIBIT 7 FINANCIAL WELLNESS: OVERVIEW

EXHIBIT 8 KEY FINDINGS IN US 2022

EXHIBIT 9 FACTORS LEADING TO INCREASING FOCUS OF EMPLOYERS ON FINANCIAL WELLNESS

EXHIBIT 10 FINANCIAL WELLNESS RESOURCES FROM EMPLOYER

EXHIBIT 11 IMPLICATIONS OF FINANCIAL STRESS AT WORKPLACE IN US

EXHIBIT 12 WELLBEING ACROSS US STATES

EXHIBIT 13 LIFECYCLE STAGE OF CORPORATE WELLNESS MARKET

EXHIBIT 14 EMPLOYERS ROLE ON FINANCIAL WELLNESS

EXHIBIT 15 OVERVIEW OF FINANCIAL WELLNESS

EXHIBIT 16 FINANCIAL WELLNESS DYNAMICS IN US

EXHIBIT 17 EMPLOYER AND EMPLOYEE DYNAMICS REGARDING FINANCIAL WELLNESS IN US 2021

EXHIBIT 18 FINANCIAL WELLNESS: FRAMEWORK

EXHIBIT 19 FINANCIAL STRESS AND HEALTH 2019

EXHIBIT 20 US HEALTHCARE COSTS PER CAPITA PROJECTIONS 2022-2028

EXHIBIT 21 HEALTHCARE EXPENDITURE STATISTICS IN US 1960-2018 ($ BILLION)

EXHIBIT 22 REGIONAL INSIGHTS IN US BY POPULATION 2022

EXHIBIT 23 PROJECTION OF US POPULATION BY 2060 (MILLION)

EXHIBIT 24 PERSONAL SAVINGS AS DISPOSABLE PERSONAL INCOME IN US 2021 (% SHARE)

EXHIBIT 25 MEAN PERSONAL DISPOSABLE INCOME BY REGION ($)

EXHIBIT 26 WAGES AND SALARIES BY PRIVATE & PUBLIC SECTOR IN US 2021 ($ BILLION)

EXHIBIT 27 FINANCIAL WELLNESS DYNAMICS BY GENERATION IN US 2022

EXHIBIT 28 EMPLOYMENT STATISTIC BY RACE/ETHNICITY IN US 2021 (THOUSANDS)

EXHIBIT 29 US POPULATION COMPOSITION BY RACE (BILLION)

EXHIBIT 30 EACH GENERATION IN TODAY’S WORKFORCE (% SHARE)

EXHIBIT 31 KEY DYNAMICS FOR FINANCIAL WELLNESS AMONG WORKFORCE IN US 2020 & 2021

EXHIBIT 32 EMPLOYEE ENGAGEMENT LEVELS BY GENERATION 2019

EXHIBIT 33 GENDER-WISE FINANCIAL GOALS

EXHIBIT 34 OUTLOOK ON FINANCIAL SITUATION

EXHIBIT 35 STATE OF STUDENT LOANS IN US 2020

EXHIBIT 36 IMPACT OF GROWING ROLE OF WELLNESS CHAMPIONS

EXHIBIT 37 ROLE OF WELLNESS CHAMPIONS

EXHIBIT 38 IMPACT OF INCREASING GROWTH IN EARLY WAGE ACCESS

EXHIBIT 39 OVERVIEW OF EARLY WAGE ACCESS

EXHIBIT 40 IMPACT OF HIGH PENETRATION OF GIG ECONOMY IN US

EXHIBIT 41 OVERVIEW OF US GIG ECONOMY

EXHIBIT 42 IMPACT OF SIGNIFICANT INTEREST FROM INVESTMENT COMPANIES

EXHIBIT 43 IMPACT OF LACK OF CLARITY ON FINANCIAL WELLNESS

EXHIBIT 44 IMPACT OF GROWING INFLUENCE OF DATA ANALYTICS IN FINANCIAL WELLNESS

EXHIBIT 45 IMPACT OF RISING FINANCIAL WELLNESS INCENTIVES

EXHIBIT 46 FINANCIAL WELLNESS INCENTIVE STATISTICS

EXHIBIT 47 IMPACT OF ADMINISTRATION OF TARGETED BENEFITS

EXHIBIT 48 IMPACT OF CHANGING WORK DYNAMICS IN US

EXHIBIT 49 IMPACT OF PANDEMIC FUELING DEMAND FOR FINANCIAL WELLNESS

EXHIBIT 50 PERSONAL FINANCIAL CONCERNS & CONDITIONS RELATED TO COVID-19 PANDEMIC

EXHIBIT 51 IMPACT OF INTEGRATING & LEVERAGING EXISTING BENEFITS

EXHIBIT 52 IMPACT OF EMPLOYERS TAKE ONUS FOR EMPLOYEE FINANCIAL WELLNESS

EXHIBIT 53 RISING SENSE OF RESPONSIBILITY AMONG EMPLOYERS IN US

EXHIBIT 54 IMPACT OF MISALIGNMENT IN FINANCIAL WELLNESS OFFERINGS

EXHIBIT 55 REASONS FOR EMPLOYEES NOT USING FINANCIAL WELLNESS BENEFITS OFFERED BY EMPLOYERS

EXHIBIT 56 IMPACT OF FIDUCIARY CONCERNS HINDER EFFORTS

EXHIBIT 57 IMPACT OF ELUSIVE RETURNS ON INVESTMENT

EXHIBIT 58 EMPLOYER OUTLOOK ON FINANCIAL WELLNESS IN TERMS OF VALUE & ROI

EXHIBIT 59 IMPACT OF LOW EMPLOYEE PARTICIPATION & ENGAGEMENT

EXHIBIT 60 CASE OF LACK OF PARTICIPATION & ENGAGEMENT

EXHIBIT 61 COVID-19-LED CHANGES IN FINANCIAL WELLNESS PROGRAMS

EXHIBIT 62 EMPLOYEES USING SERVICES EMPLOYERS PROVIDE TO ASSIST THEIR PERSONAL FINANCES IN US

EXHIBIT 63 DEFINITION OF FINANCIAL WELLNESS & RELEVANCE TO EACH GENERATION

EXHIBIT 64 CORPORATE PROFITS IN US 2012-2021 ($ BILLION)

EXHIBIT 65 OVERVIEW OF PEST ANALYSIS: US

EXHIBIT 66 US FINANCIAL WELLNESS MARKET 2022–2028 ($ MILLION)

EXHIBIT 67 FIVE FORCES ANALYSIS 2022

EXHIBIT 68 INCREMENTAL GROWTH BY PROGRAM 2022 & 2028

EXHIBIT 69 MARKET SHARE BY PROGRAM 2022 & 2028

EXHIBIT 70 US FINANCIAL WELLNESS MARKET BY FINANCIAL PLANNING 2022–2028 ($ MILLION)

EXHIBIT 71 US FINANCIAL WELLNESS MARKET BY FINANCIAL EDUCATION & COUNSELING 2022–2028 ($ MILLION)

EXHIBIT 72 US FINANCIAL WELLNESS MARKET BY RETIREMENT PLANNING 2022–2028 ($ MILLION)

EXHIBIT 73 US FINANCIAL WELLNESS MARKET BY DEBT MANAGEMENT 2022–2028 ($ MILLION)

EXHIBIT 74 US FINANCIAL WELLNESS MARKET BY OTHER PROGRAMS 2022–2028 ($ MILLION)

EXHIBIT 75 INCREMENTAL GROWTH BY END USER 2022 & 2028

EXHIBIT 76 MARKET SHARE BY END USER 2022 & 2028

EXHIBIT 77 CORPORATE WELLNESS MARKET BY FINANCIAL WELLNESS PROGRAM DYNAMICS IN LARGE BUSINESSES

EXHIBIT 78 OVERVIEW OF FINANCIAL WELLNESS IN LARGE BUSINESSES

EXHIBIT 79 US FINANCIAL WELLNESS MARKET BY LARGE BUSINESSES 2022–2028 ($ MILLION)

EXHIBIT 80 OVERVIEW OF FINANCIAL WELLNESS IN MEDIUM-SIZED BUSINESSES

EXHIBIT 81 US FINANCIAL WELLNESS MARKET BY MEDIUM-SIZED BUSINESSES 2022–2028 ($ MILLION)

EXHIBIT 82 SMALL BUSINESSES IN THE US, 2021

EXHIBIT 83 STATEWISE INSIGHTS FOR SMALL BUSINESS IN US 2021

EXHIBIT 84 OVERVIEW OF FINANCIAL WELLNESS AMONG SMALL BUSINESSES

EXHIBIT 85 US FINANCIAL WELLNESS MARKET BY SMALL BUSINESSES 2022–2028 ($ MILLION)

EXHIBIT 86 INCREMENTAL GROWTH BY DELIVERY 2022 & 2028

EXHIBIT 87 MARKET SHARE BY DELIVERY: 2022 & 2028

EXHIBIT 88 US ONE-ON-ONE FINANCIAL WELLNESS MARKET 2022–2028 ($ MILLION)

EXHIBIT 89 ONLINE CHANNELS IN FINANCIAL WELLNESS

EXHIBIT 90 US ONLINE/DIGITAL FINANCIAL WELLNESS MARKET 2022–2028 ($ MILLION)

EXHIBIT 91 US GROUP FINANCIAL WELLNESS MARKET 2022–2028 ($ MILLION)

EXHIBIT 92 INCREMENTAL GROWTH BY TYPE 2022 & 2028

EXHIBIT 93 MARKET SHARE BY TYPE: 2022 & 2028

EXHIBIT 94 US FINANCIAL WELLNESS MARKET BY CONSUMER TOOLS 2022–2028 ($ MILLION)

EXHIBIT 95 US FINANCIAL WELLNESS MARKET BY EMPLOYER TOOLS 2022–2028 ($ MILLION)

EXHIBIT 96 INCREMENTAL GROWTH BY INDUSTRY 2022 & 2028

EXHIBIT 97 MARKET SHARE BY INDUSTRY 2022 & 2028

EXHIBIT 98 KEY STATISTICS FOR US HEALTHCARE INDUSTRY

EXHIBIT 99 FINANCIAL WELLNESS STATISTICS AMONG HEALTHCARE EMPLOYEES 2020

EXHIBIT 100 STATE OF FINANCIAL WELLNESS IN US HEALTHCARE INDUSTRY

EXHIBIT 101 US FINANCIAL WELLNESS MARKET BY HEALTHCARE INDUSTRY 2022–2028 ($ MILLION)

EXHIBIT 102 US FINANCIAL WELLNESS MARKET BY FINANCIAL SERVICES 2022–2028 ($ MILLION)

EXHIBIT 103 US FINANCIAL WELLNESS MARKET BY EDUCATION INDUSTRY 2022–2028 ($ MILLION)

EXHIBIT 104 US FINANCIAL WELLNESS MARKET BY MANUFACTURING INDUSTRY 2022–2028 ($ MILLION)

EXHIBIT 105 US FINANCIAL WELLNESS MARKET BY PUBLIC SECTOR 2022–2028 ($ MILLION)

EXHIBIT 106 US FINANCIAL WELLNESS MARKET BY OTHER INDUSTRIES 2022–2028 ($ MILLION)

EXHIBIT 107 INCREMENTAL GROWTH BY REGION 2022 & 2028

EXHIBIT 108 US FINANCIAL WELLNESS MARKET: REGIONAL INCREMENTAL GROWTH

EXHIBIT 109 EMPLOYMENT FACTS IN TEXAS 2020

EXHIBIT 110 EMPLOYMENT FACTS IN FLORIDA 2020

EXHIBIT 111 SOUTH US FINANCIAL WELLNESS MARKET 2022–2028 ($ BILLION)

EXHIBIT 112 EMPLOYMENT FACTS IN CALIFORNIA 2020

EXHIBIT 113 EMPLOYMENT FACTS FOR WASHINGTON 2020

EXHIBIT 114 WEST US FINANCIAL WELLNESS MARKET 2022–2028 ($ BILLION)

EXHIBIT 115 EMPLOYMENT FACTS IN ILLINOIS 2020

EXHIBIT 116 EMPLOYMENT FACTS IN MICHIGAN 2020

EXHIBIT 117 MIDWEST US FINANCIAL WELLNESS MARKET 2022–2028 ($ BILLION)

EXHIBIT 118 EMPLOYMENT FACTS IN NEW YORK 2020

EXHIBIT 119 EMPLOYMENT FACTS IN NEW JERSEY 2020

EXHIBIT 120 NORTHEAST US FINANCIAL WELLNESS MARKET 2022–2028 ($ BILLION)

EXHIBIT 121 KEY PARAMETERS FOR MARKET COMPETITION

EXHIBIT 122 KEY FACTS ABOUT BANK OF AMERICA MERRILL LYNCH

EXHIBIT 123 KEY FACTS ABOUT FINANCIAL FINESSE

EXHIBIT 124 KEY FACTS ABOUT MERCER

EXHIBIT 125 KEY FACTS ABOUT PRUDENTIAL FINANCIAL

EXHIBIT 126 KEY FACTS ABOUT VIRGIN PULSE

EXHIBIT 127 US FINANCIAL WELLNESS MARKET BY REGION 2022–2028 ($ MILLION)

 

LIST OF TABLES

TABLE 1 KEY CAVEATS

TABLE 2 CURRENCY CONVERSION 2015−2022

TABLE 3 WORKFORCE BEHAVIOR INSIGHTS ACROSS THREE GENERATIONS

TABLE 4 GAPS IN EMPLOYER’S AND EMPLOYEE’S APPROACH TO FINANCIAL WELLNESS

TABLE 5 US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 6 US FINANCIAL WELLNESS MARKET BY PROGRAM 2022–2028 ($ MILLION)

TABLE 7 US FINANCIAL WELLNESS MARKET BY END USER 2022–2028 ($ MILLION)

TABLE 8 US FINANCIAL WELLNESS MARKET BY TYPE 2022–2028 ($ MILLION)

TABLE 9 US FINANCIAL WELLNESS MARKET BY DELIVERY 2022–2028 ($ MILLION)

TABLE 10 US FINANCIAL WELLNESS MARKET BY FINANCIAL PLANNING 2022–2028 ($ MILLION) (REGION)

TABLE 11 US FINANCIAL WELLNESS MARKET BY FINANCIAL EDUCATION & COUNSELING 2022–2028 ($ MILLION) (REGION)

TABLE 12 US FINANCIAL WELLNESS MARKET BY RETIREMENT PLANNING 2022–2028 ($ MILLION) (REGION)

TABLE 13 US FINANCIAL WELLNESS MARKET BY DEBT MANAGEMENT 2022–2028 ($ MILLION) (REGION)

TABLE 14 US FINANCIAL WELLNESS MARKET BY OTHER PROGRAMS 2022–2028 ($ MILLION) (REGION)

TABLE 15 US FINANCIAL WELLNESS MARKET BY LARGE BUSINESSES 2022–2028 ($ MILLION) (REGION)

TABLE 16 US FINANCIAL WELLNESS MARKET BY MEDIUM-SIZED BUSINESSES 2022–2028 ($ MILLION) (REGION)

TABLE 17 US FINANCIAL WELLNESS MARKET BY SMALL BUSINESSES 2022–2028 ($ MILLION) (REGION)

TABLE 18 US ONE-ON-ONE FINANCIAL WELLNESS MARKET BY REGION 2022–2028 ($ MILLION)

TABLE 19 US ONLINE/DIGITAL BUSINESS FINANCIAL WELLNESS MARKET BY REGION 2022–2028 ($ MILLION)

TABLE 20 US GROUP FINANCIAL WELLNESS MARKET BY REGION 2022–2028 ($ MILLION)

TABLE 21 US FINANCIAL WELLNESS MARKET BY CONSUMER TOOLS 2022–2028 ($ MILLION) (REGION)

TABLE 22 US FINANCIAL WELLNESS MARKET BY EMPLOYER TOOLS 2022–2028 ($ MILLION) (REGION)

TABLE 23 US FINANCIAL WELLNESS MARKET BY HEALTHCARE INDUSTRY 2022–2028 ($ MILLION) (REGION)

TABLE 24 US FINANCIAL WELLNESS MARKET BY FINANCIAL SERVICES 2022–2028 ($ MILLION) (REGION)

TABLE 25 US FINANCIAL WELLNESS MARKET BY EDUCATION INDUSTRY 2022–2028 ($ MILLION) (REGION)

TABLE 26 US FINANCIAL WELLNESS MARKET BY MANUFACTURING INDUSTRY 2022–2028 ($ MILLION) (REGION)

TABLE 27 US FINANCIAL WELLNESS MARKET BY PUBLIC SECTOR 2022–2028 ($ MILLION) (REGION)

TABLE 28 US FINANCIAL WELLNESS MARKET BY OTHER INDUSTRIES 2022–2028 ($ MILLION) (REGION)

TABLE 29 INDUSTRY EMPLOYMENT FEBRUARY 2020–JUNE 2022

TABLE 30 SOUTH US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 31 SOUTH US FINANCIAL WELLNESS MARKET BY PROGRAM 2022-2028 ($ MILLION)

TABLE 32 SOUTH US FINANCIAL WELLNESS MARKET BY END USER 2022–2028 ($ MILLION)

TABLE 33 SOUTH US FINANCIAL WELLNESS MARKET BY TYPE 2022–2028 ($ MILLION)

TABLE 34 SOUTH US FINANCIAL WELLNESS MARKET BY DELIVERY 2022–2028 ($ MILLION)

TABLE 35 WEST US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 36 WEST US FINANCIAL WELLNESS MARKET BY PROGRAM 2022–2028 ($ MILLION)

TABLE 37 WEST US FINANCIAL WELLNESS MARKET BY END USER 2022–2028 ($ MILLION)

TABLE 38 WEST US FINANCIAL WELLNESS MARKET BY TYPE 2022–2028 ($ MILLION)

TABLE 39 WEST US FINANCIAL WELLNESS MARKET BY DELIVERY 2022–2028 ($ MILLION)

TABLE 40 MIDWEST US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 41 MIDWEST US FINANCIAL WELLNESS MARKET BY PROGRAM 2022–2028 ($ MILLION)

TABLE 42 MIDWEST US FINANCIAL WELLNESS MARKET BY END USER 2022–2028 ($ MILLION)

TABLE 43 MIDWEST US FINANCIAL WELLNESS MARKET BY TYPE 2022–2028 ($ MILLION)

TABLE 44 MIDWEST US FINANCIAL WELLNESS MARKET BY DELIVERY 2022–2028 ($ MILLION)

TABLE 45 NORTHEAST US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 46 NORTHEAST US FINANCIAL WELLNESS MARKET BY PROGRAM 2022–2028 ($ MILLION)

TABLE 47 NORTHEAST US FINANCIAL WELLNESS MARKET BY END USER 2022-2028 ($ MILLION)

TABLE 48 NORTHEAST US FINANCIAL WELLNESS MARKET BY TYPE 2022-2028 ($ MILLION)

TABLE 49 NORTHEAST US FINANCIAL WELLNESS MARKET BY DELIVERY 2022-2028 ($ MILLION)

TABLE 50 MARKET RANKING ANALYSIS 2021

TABLE 51 BANK OF AMERICA MERRILL LYNCH: MAJOR SERVICE OFFERINGS

TABLE 52 FINANCIAL FINESSE: MAJOR SERVICE OFFERINGS

TABLE 53 MERCER: MAJOR SERVICE OFFERINGS

TABLE 54 PRUDENTIAL FINANCIAL: MAJOR SERVICE OFFERINGS

TABLE 55 VIRGIN PULSE: MAJOR SERVICE OFFERINGS

TABLE 56 ADURO: MAJOR SERVICE OFFERINGS

TABLE 57 AYCO: MAJOR SERVICE OFFERINGS

TABLE 58 BAYSPORT: MAJOR SERVICE OFFERINGS

TABLE 59 BEACON HEALTH OPTIONS: MAJOR SERVICE OFFERINGS

TABLE 60 BEST MONEY MOVES: MAJOR SERVICE OFFERINGS

TABLE 61 BRIGHTDIME: MAJOR SERVICE OFFERINGS

TABLE 62 BRIGHTPLAN: MAJOR SERVICE OFFERINGS

TABLE 63 BRIGHTSIDE: MAJOR SERVICE OFFERINGS

TABLE 64 DHS GROUP: MAJOR SERVICE OFFERINGS

TABLE 65 EDUKATE: MAJOR SERVICE OFFERINGS

TABLE 66 ENRICH: MAJOR SERVICE OFFERINGS

TABLE 67 EVEN: MAJOR SERVICE OFFERINGS

TABLE 68 FINANCIAL FITNESS GROUP: MAJOR SERVICE OFFERINGS

TABLE 69 FINANCIAL KNOWLEDGE: MAJOR SERVICE OFFERINGS

TABLE 70 FINFIT: MAJOR SERVICE OFFERINGS

TABLE 71 FLEXWAGE: MAJOR SERVICE OFFERINGS

TABLE 72 FUTUREFUEL.IO: MAJOR SERVICE OFFERINGS

TABLE 73 GOPLAN 101: MAJOR SERVICE OFFERINGS

TABLE 74 HEALTHCHECK360: MAJOR SERVICE OFFERINGS

TABLE 75 HOLBERG FINANCIAL: MAJOR SERVICE OFFERINGS

TABLE 76 HEALTH ADVOCATE: MAJOR SERVICE OFFERINGS

TABLE 77 INTEGRATED WELLNESS PARTNERS: MAJOR SERVICE OFFERINGS

TABLE 78 LEARNLUX: MAJOR SERVICE OFFERINGS

TABLE 79 LIFECENTS: MAJOR SERVICE OFFERINGS

TABLE 80 LIMEADE: MAJOR SERVICE OFFERINGS

TABLE 81 MONEY STARTS HERE: MAJOR SERVICE OFFERINGS

TABLE 82 MY SECURE ADVANTAGE: MAJOR SERVICE OFFERINGS

TABLE 83 ORIGIN: MAJOR SERVICE OFFERINGS

TABLE 84 PAYACTIV: MAJOR SERVICE OFFERINGS

TABLE 85 PRO FINANCIAL HEALTH: MAJOR SERVICE OFFERINGS

TABLE 86 PURCHASING POWER: MAJOR SERVICE OFFERINGS

TABLE 87 QUESTIS: MAJOR SERVICE OFFERINGS

TABLE 88 RAMSEY SOLUTIONS: MAJOR SERVICE OFFERINGS

TABLE 89 SALARY FINANCE: MAJOR SERVICE OFFERINGS

TABLE 90 SAVOLOGY: MAJOR SERVICE OFFERINGS

TABLE 91 SQWIRE: MAJOR SERVICE OFFERINGS

TABLE 92 SOFI: MAJOR SERVICE OFFERINGS

TABLE 93 THE FINANCIAL GYM: MAJOR SERVICE OFFERINGS

TABLE 94 TRANSAMERICA: MAJOR SERVICE OFFERINGS

TABLE 95 YOUR MONEY LINE: MAJOR SERVICE OFFERINGS

TABLE 96 US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 97 US FINANCIAL WELLNESS MARKET BY PROGRAM 2022–2028 ($ MILLION)

TABLE 98 US FINANCIAL WELLNESS MARKET BY END USER 2022–2028 ($ MILLION)

TABLE 99 US FINANCIAL WELLNESS MARKET BY TYPE 2022–2028 ($ MILLION)

TABLE 100 US FINANCIAL WELLNESS MARKET BY DELIVERY 2022–2028 ($ MILLION)

TABLE 101 SOUTH US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 102 SOUTH US FINANCIAL WELLNESS MARKET BY PROGRAM 2022–2028 ($ MILLION)

TABLE 103 SOUTH US FINANCIAL WELLNESS MARKET BY END USER 2022–2028 ($ MILLION)

TABLE 104 SOUTH US FINANCIAL WELLNESS MARKET BY TYPE 2022–2028 ($ MILLION)

TABLE 105 SOUTH US FINANCIAL WELLNESS MARKET BY DELIVERY 2022–2028 ($ MILLION)

TABLE 106 WEST US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 107 WEST US FINANCIAL WELLNESS MARKET BY PROGRAM 2022–2028 ($ MILLION)

TABLE 108 WEST US FINANCIAL WELLNESS MARKET BY END USER 2022–2028 ($ MILLION)

TABLE 109 WEST US FINANCIAL WELLNESS MARKET BY TYPE 2022–2028 ($ MILLION)

TABLE 110 WEST US FINANCIAL WELLNESS MARKET BY DELIVERY 2022–2028 ($ MILLION)

TABLE 111 MIDWEST US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 112 MIDWEST US FINANCIAL WELLNESS MARKET BY PROGRAM 2022–2028 ($ MILLION)

TABLE 113 MIDWEST US FINANCIAL WELLNESS MARKET BY END USER 2022–2028 ($ MILLION)

TABLE 114 MIDWEST US FINANCIAL WELLNESS MARKET BY TYPE 2022–2028 ($ MILLION)

TABLE 115 MIDWEST US FINANCIAL WELLNESS MARKET BY DELIVERY 2022–2028 ($ MILLION)

TABLE 116 NORTHEAST US FINANCIAL WELLNESS MARKET BY INDUSTRY 2022–2028 ($ MILLION)

TABLE 117 NORTHEAST US FINANCIAL WELLNESS MARKET BY PROGRAM 2022–2028 ($ MILLION)

TABLE 118 NORTHEAST US FINANCIAL WELLNESS MARKET BY END USER 2022–2028 ($ MILLION)

TABLE 119 NORTHEAST US FINANCIAL WELLNESS MARKET BY TYPE 2022–2028 ($ MILLION)

TABLE 120 NORTHEAST US FINANCIAL WELLNESS MARKET BY DELIVERY 2022–2028 ($ MILLION)

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