Retirement

For example, over a quarter didn't know that their spouse can receive benefits even if they have no individual earning history.

5 key takeaways for designing benefits that engage your employees in their health and wealth

Interestingly, the amount within HSAs isn't correlated to how long the accounts have been in existence, according to the analysis.

"HSAs are a tax advantage for better-off people, masquerading as a health-care efficiency increase that never was very likely and is not occurring now."

For a segment of the population, investment options that align with their values help prompt contributions.

Nationwide report notes that financial challenges include career limitations due to their gender identity or sexual orientation.