Best Practices in Employee Financial Security. Lessons learned from small and medium-sized businesses
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1 Best Practices in Employee Financial Security Lessons learned from small and medium-sized businesses 2012
2 Meet The Principal 10 Best Companies 2012 American National Bank of Texas, Terrell, Texas; bank Arizona State Credit Union, Phoenix, Arizona; credit union Cypress Creek Emergency Medical Services, Spring, Texas; health care Dunmore Corporation, Bristol, Pennsylvania.; manufacturing Flow Science, Inc., Santa Fe, New Mexico; software development M3 Insurance, Madison, Wisconsin; insurance nlogic, LLC, Huntsville, Alabama; IT/Software The United States Pharmacopeial Convention, Rockville, Maryland; nonprofit Vantage West Credit Union, Tucson, Arizona; credit union WHR Architects, Inc., Houston, Texas; architecture
3 The ROI of Benefits Attract great employees Reduce turnover Boost employee morale Improve productivity Increase profits 60% of employees agree that a good employee benefits plan keeps them working for their current company. Principal Financial Well-Being Index SM, 2 nd Quarter 2012
4 Good Benefits = Good Business Benefits can help your organization succeed Tailor benefits to the needs of your employees Continue to evaluate & refine Almost seven out of 10 business owners agree that having a good employee benefits plan encourages their employees to work harder and perform better. Principal Financial Well-Being Index, 3 rd Quarter 2012
5 Retirement BEST PRACTICE Retirement readiness 85 % Income replacement ratio % Deferral rate Retirement readiness All-in-one Automate Health means wealth Research with Financial Advisors, June 2011, conducted by Harris Interactive on behalf of the Principal Financial Group. AON Consulting 2008 Replacement Ratio Study.
6 nlogic 2012 WINNING COMPANY 100 percent participation in 401(k) plan Company contribution of 15% Average employee deferral of 9%. Immediate vesting Our generous benefits package is the key to the recruitment, retention and motivation of our employees. Tim Thornton, President & CEO, nlogic
7 Communication BEST PRACTICE All winners provide employer-paid one-on-one meetings with benefits specialists and financial professionals. Two-way communication One-on-one There is no one-size-fits all Show total compensation Offer incentives
8 M3 Insurance 2012 WINNING COMPANY Talks to employees about plans for retirement Helps reduce financial stress by communicating generous benefits including 100 percent paid disability and life insurance It s important to make sure employees understand that they have a good benefits package. You need to sell that so they feel proud about what they have. Zach Penshorn, human resources manager
9 Wellness BEST PRACTICE If people stay healthy, it s another source of retirement security. David Wray, 10 Best Judge Offer annual, on-site evaluations Make wellness available to spouses & partners Offer a health coach Make exercising convenient Create fitness challenges or contests Make wellness part of your company culture Offer financial incentives
10 American National Bank of Texas 2012 WINNING COMPANY Offers formal wellness program Uses financial incentive to encourage healthy lifestyle Formed a wellness committee Employer-paid health advocate program We encourage a healthy lifestyle and work/life balance and that has proven to be a major contributor to the morale and professionalism of the organization. Donna Mays, senior vice president and human resources director
11 Voluntary Benefits BEST PRACTICE Education is key Make meetings mandatory Track EAP use to identify needs Use to offset benefit cost increases Ask employees what they want Tell them again & again (& again)
12 Vantage West Credit Union 2012 WINNING COMPANY During tough economic times, my goal was to enhance the member value by keeping employees motivated and well-compensated with salary and benefits. Robert D. Ramirez, president and CEO Employees at Vantage West Credit Union celebrate their Principal10 Best company status.
13 How do Your Benefits Stack Up? Download a copy at
14 Evaluating Benefits Retirement readiness Participation rates and feedback Voluntary turnover rates Don t go it alone 9.8 % The Principal 10 Best Companies average voluntary turnover rate 22 % National average voluntary turnover rate 9.8% based on 2012 Principal 10 Best winners. 22% based on total private voluntary turnover rate, 5-year average, Bureau of Labor Statistics.
15 Questions? For more information about The Principal 10 Best program visit: No investment strategy, such as asset allocation or diversification, can guarantee a profit or protect against loss in periods of declining values. Insurance products and plan administrative services are provided by Principal Life Insurance Company. Securities are offered through Princor Financial Services Corporation, , member SIPC and/or independent broker dealers. Securities sold by a Princor Registered Representative are offered through Princor. Princor and Principal Life are members of the Principal Financial Group (The Principal ), Des Moines, IA
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