Workplace Benefits Report - Insights for Today's Workforce

We’re proud to support U.S. Soccer and FIFA World Cup 2026™. Learn more

Why us
- Why us
  We can help you provide a comprehensive benefits program designed to help meet the near- and long-term needs of your employees.
- Our approach
  Learn how our commitment to making financial lives better and a holistic approach to workplace challenges can help you pursue your strategic vision.
- Experience & insights
  Our vast experience, proprietary research and strategic partnerships help companies evolve with the needs of today's workforce.
- Holistic focus
  We offer a broader understanding of the interconnectivity of finances in people’s lives and guidance that goes beyond traditional solutions.
- Leadership
  Benefit from over 200 years of leadership putting clients first guided by a common purpose to help make financial lives better through the power of every connection.
- Industry events
  Connect with us and other industry professionals and gain the latest insights from thought leaders and experts.
Our research and reports

You benefit from our deep insights gained from millions of interactions and research across the organization.
Who we serve
- Who we serve
  We leverage the breadth of Bank of America’s resources to serve organizations of all size and scope.
- Corporations and institutions
  Discover how we can customize a wide array of benefit strategies, potential solutions and experiences to help meet the goals of companies big and small.
- Small businesses
  We help entrepreneurs and small business owners make a big impact with a benefits plan that can be a valuable asset in helping attract and retain talent.
- Consultants
  We value the consultants' role in retirement and benefit plans and are committed to being your go-to resource.
Solutions & services
- Solutions & services
- Workplace Benefits
  Learn about our integrated benefits designed to help employees manage their day-to-day finances and prepare for the future.
- Defined contribution (401(k)) and nonqualified deferred compensation plans from Merrill
- Defined benefit plans from Merrill
- Bank of America health benefits solutions
- Stock plan services from Merrill
- Bank of America employee banking and investing from Merrill
- The employee financial wellness journey
  We deliver personalized financial wellness with educational content to help employees gain financial confidence.
- Plan sponsor support
  Our team offers dedicated support from big picture strategy to the finer details, to help you meet your company’s goals.
Contact us

Workplace Benefits™

The findings from our 2026 Workplace Benefits Report provide perspective on today’s issues and trends, and guides our work with employers in establishing more relevant, meaningful and inclusive financial wellness programs.

Click the arrows to explore key findings from the 2026 Workplace Benefits Report.

Child and adult next to text and bar chart for financial wellness of employees. For full description, activate the ‘Show text’ button

Employees report a 3-point increase in financial wellness over the past year, which is now at 55%. While employers overestimate the financial wellness of their employees to be 71%. According to the Bank of America Workplace Benefits Report, January 2026.

Man looking at a paper next to text and statistics about stressors. For full description, activate the ‘Show text’ button

The overall economy and inflation are intensifying everyday stress for employees. 76% say they feel stressed about the economy. 62% say they're very concerned about inflation. 21% say that worrying about the economy keeps them up at night. According to the Bank of America Workplace Benefits Report, January 2026.

Man smiling at his phone next to text and bar chart about debt ratios. For full description, activate the ‘Show text’ button

Employees have made progress improving their good-to-bad debt ratio over the past year. In 2025, 50% had a mortgage compared to 54% in 2026. In 2025, 56% carried credit card debt compared to 45% in 2026. According to the Bank of America Workplace Benefits Report, January 2026.

Man and a woman on computer next to text and statistic about stock award programs. For full description, activate the ‘Show text’ button

44% of employees want their employer to offer a stock award program, which is among the top resources employees want added. According to the Bank of America Workplace Benefits Report, January 2026.

Family next to text and bar charts about saving for retirement earlier. For full description, activate the ‘Show text’ button

Gen Z started saving for retirement at age 24—which is 10 years younger than their Boomer peers. They also feel more confident that they're on track for retirement—with 84% feeling on track, compared to 79% of Boomers. According to the Bank of America Workplace Benefits Report, January 2026.

Woman looking at a tablet next to text and a circle chart about Artificial Intelligence. For full description, activate the ‘Show text’ button

4 in 10 employers say a major challenge they'll face over the next 5 years will be reskilling their workers to embrace artificial intelligence (AI). When asked if they use AI at work: 46% of employees say no, 34% say occasionally, and 19% say regularly. According to the Bank of America Workplace Benefits Report, January 2026.

Three men and two women smiling and laughing in a meeting in a work conference room. 2026 Workplace benefits report shaping the future of financial well-being

View the full report to learn more

Read report

See highlights from this year’s report

Read additional Workplace Benefits Report Briefs

man and woman holding potted flowers and smiling at each other working at a florist

Explore findings on small businesses and their employees

Read the full brief

Mom, child, dad and grandmother sitting on the couch together and launching

Learn more about financial wellness through the lens of household income¹

Read the full brief

Let’s connect to discuss how the findings of our research can help you make more informed decisions about the workplace benefits you offer, and help you provide the support your employees need and want.

Get in touch

¹ 2025 Workplace Benefits Report survey, January 2025.

All stats from 2026 Workplace Benefits Report survey, January 2026, unless otherwise noted.