**The big picture:** A new Gallagher report reveals a significant disconnect between employers offering retirement benefits and employees' confidence in their retirement savings, with most lacking a financial plan. **Why it matters:** This gap highlights a critical challenge for employers in ensuring employee financial well-being and retaining talent, as financial stress impacts productivity and engagement. **Between the lines:** - Only 28% of employees believe their retirement savings strategy will meet their goals. - Just 23% of employees have ever developed a financial plan with an advisor. - Emergency savings programs and student loan matching, crucial for preventing retirement account leakage, have very low adoption rates (5% and 2% respectively). **Staffing & HR impact:** Staffing leaders must move beyond simply offering benefits to actively educating employees on financial planning and the strategic use of benefits like HSAs, potentially leveraging technology for personalized guidance. This proactive approach can reduce financial stress, improve retention, and enhance overall workforce stability. **The bottom line:** Access to benefits isn't enough; employers must become access points for financial education and guidance to truly impact employee financial health.