Leverage a 401(k) Retirement Plan to Help Retain and Attract Top Talent

Whether your business has five or 500 employees, providing a retirement plan can be a powerful tool for elevating your talent strategy and reaching targeted growth goals. Morgan Stanley walks you through why retirement solutions are essential to add to your benefits package in today’s competitive job market.

As an owner or decision-maker at your company, you don’t need to be reminded how challenging it is to sustain growth and scale success. Often it comes down to having the right people. But attracting, hiring and keeping top talent can be difficult, especially when the competition is offering comprehensive benefits. By adding a benefit like a 401(k) retirement plan, you may be able to sharpen your competitive edge in a tough job market.

Workers Want Support From Their Employers

Concerns over economic uncertainty are adding to financial stress for American employees. As a result, more workers are leaning on their employers for financial and saving support from employment benefits like a 401(k) retirement solution.

 

As workers continue to understand the importance of retirement savings, this is a great time for employers to reevaluate employee benefits and find a retirement solution to help fill this need. In fact, a survey of 1,000 U.S. employees and 600 HR company executives showed that 69% of HR leaders say providing retirement planning assistance is a priority in retaining current employees and 54% of employees view retirement planning assistance as a priority when choosing where to work.2 The costs and resources required to manage a retirement plan can potentially be offset with savings in employee turnover and increased productivity from existing employees.

We stand at a unique inflection point, as significant shifts in the wider economy create a ripple effect in HR and employee attitudes around their approach to workplace financial benefits. As we navigate a volatile economic landscape and fluctuating employee expectations, our latest study underscores the power of financial benefits packages to align business goals with employee needs— ultimately enhancing overall workplace satisfaction, productivity and stability.
Head of Morgan Stanley at Work

Potential 401(k) Benefits for Employers 

You can help improve the financial future of your employees by providing 401(k) retirement benefits while also gaining business advantages. Offering a retirement plan can potentially offer a host of other benefits to your company including:

  • A retirement plan can positively impact an organization’s employees and culture while providing bottom-line value.
  • Some states have rolled out required retirement solutions for employers of certain sizes. Employers can use this opportunity to not only meet state requirements but to also offer a solution that is more tailored to meet the needs of your business and employees.
  • Offering a 401(k) retirement plan for your business is easier-and more affordable-than you may think.
  • Small businesses may benefit from substantial tax credits that may help offset the costs of starting a workplace retirement plan.2

Retirement benefits can help you attract and retain in-demand talent, which can reduce costly turnover expenses and positively impact your bottom line, year after year.

 

Morgan Stanley offers 401(k) services to help you and your employees reach their retirement plan goals. Furthermore, working with a provider like Morgan Stanley gives you access to a Financial Advisor, who can craft a retirement plan that helps meets the needs of your company and your employees with diversified* investment options.

 

Talk to a Morgan Stanley Financial Advisor, and your legal and tax advisors, about your options and what type of retirement solution makes the most sense for your business and employees.