Companies concerned about employee well-being should care that their employees have a household budget, pay off debt, and save for things like houses, college and retirement. (Photo: Shutterstock)

Let's be honest – We Americans spend a lot of time at work. In fact, we spend an average of 34.4 hours a week on the clock, and for many that number is laughably low. According to Gallup, we spend more time on the job than our counterparts in the world's largest economies. We also get fewer vacation days and we often don't take them all.

But all those hours have failed to move the needle on job satisfaction. We work a lot, but poll after poll indicate job satisfaction continues to hover below 50 percent. That's bad for people and bad for business – thus the idea of employee well-being was born.

The concept is not new, but the healthy job market and retiring baby boomers have helped usher in new well-being initiatives that include everything from better benefits and healthy food, to comfortable office furniture and massages. The big question is this: How does your company make sure it's not just checking the box but rather effectively addressing the physical, emotional and financial needs of the people on their teams? The answer to that can be traced back to your company culture.