Imagine that the water heater breaks in your house, or that your car won't start in the morning when you try to drive to work. Do you know how you'd pay for such an unexpected expense? Believe it or not, a majority of Americans can't answer that question with a "yes." According to a recent survey we conducted at SecureSave involving more than 1,000 respondents, 67 percent of Americans have no way to cover a $400 emergency.

This is a big deal for employers because it has ripple effects not only impacting employees' long-term retirement savings, but also their ability to be productive at work: Thirty percent of survey respondents spend one to two hours every day worrying about money, and 75 percent say that this financial stress is hampering their work productivity.