2025年工作场所福利报告

Executive summary Employee financial well-being has improved over the last few years. In 2026, the workforce isreporting stronger confidence and a more positive outlook. Headwinds remain and have shifted frompersonal debt to the broader economy. In response, employees are prioritizing benefits that providestability, such as guaranteed income solutions. Organizations can strengthen their programs byaligning benefits with both employee values and modern wellness trends — supported by educationthat’s clear, relevant and actionable. About the studyWe surveyed a national sample of employees and employers — spanningsmall and large companies — betweenDecember 4, 2025, and January 26, 2026.Respondents consisted of 941 full-timeemployees who participated in a 401(k)plan and 806 employers with sole orshared responsibility for decisionsmade in the 401(k) plans they offered.Bank of America and its employees did not participate in the survey, andBank of America was not identifiedas the sponsor of the study. Neitheremployees nor employers wererequired to work with Bank of Americain order to participate. See full surveymethodology on page 30. Financial wellness — or financial well-being — is achieving a sense of balance in managingshort-term financial needs with feeling prepared and on track for longer-term financial goals. not produced by the BofA Global Research department. To the extent these materials reference Bank of America data, such materials are not intended to be reflective or indicative of, and should not be reliedupon as, the results of operations, financial conditions or performance of Bank of America. Bank of America Institute is a think tank that draws on data and resources from across the bank and the world to deliver important, original perspectives on the economy, sustainability and global transformation. For additional information, please visitBank of America Institute.Workplace Benefits is the institutional retirement and benefits business of Bank of America Corporation (“BofA Corp.”) operating under the name “Bank of America.” Investment advisory and brokerage servicesare provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a dually registered broker-dealer andinvestment adviser and MemberSIPC. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. Investment products:Are Not FDIC InsuredAre Not Bank GuaranteedMay Lose Value Contents Trends to watch4 Trends to watch Employees report a 3-point increasein financial wellness over the past year,while employers overestimate thefinancial wellness of their employees.Good/Excellent: Employees have made progress improving theirgood-to-bad debt ratio over the past year. The overall economy and inflationare intensifying everyday stress. Employees 62% keeps me up at night.” is starting to save for retirement 10 yearsearlier than their eldest peers — and feel moreconfident that they’re on track for retirement.Age started:Confidence:84%79 the next five years will be reskilling workersto embrace artificial intelligence (AI).Do employeesuse AI at work? program is amongthe top resourcesemployees wanttheir companyto offer.of employees OccasionallyRegularly Financialwellness today Financial wellness for women and youngeremployees has trended up over the past yearwhile that of men and older employees has stayedthe same. Yet when looking ahead, both men andolder employees feel more optimistic about theirfinancial future.Saving for retirement is a priority for all employees. And they’re balancing that long-term goal with short-term wins — like saving more for travel and payingdown credit card debt. Even with these signs ofpositive financial growth, employees express concernabout the financial implications of forces outsidetheir control. Sentiments today andhope for tomorrow Employee financial well-being is continuing to rebound —slowly ticking up after it dipped in 2023. While manyemployees report having a positive sense of financial wellnessnow, their financial outlook for the future is slightly down fromlast year. As a whole, employees feel more hopeful about theirfuture when looking ahead over three years versus one year.That sense of optimism is consistently higher for Boomers than for younger generations. And men are more optimisticabout their finances, social well-being and mental healththan women are.More than half of employees now report a sense of positive between genders has narrowedover the past year — yet there’sstill a 10-point differential.Financial wellnessrank their financial well-beingthe highest. wellness is not as widespreadas many employers believe 72%it to be. financial well-being.Good/Excellent:55 is good/excellent:58% When looking aheadto the near future,perceptions of optimismvary by gender andgeneration — revealinginteresting tr