Workforce financial health

Cedar County Fire & Rescue · 540 eligible employees · benefit live since December 2025

Everything below is aggregated and anonymized. Cohorts smaller than 10 people are hidden. You will never see an individual's transactions, balances, score, or whether a specific person uses the app.

Enrolled

312

of 540 eligible · 58% participation

Active last 30 days

241

77% of enrolled employees

Aggregate MoneyBadger Score

68/100

▲ 6 pts over the last 90 days

Avg budget streak

19 days

▲ 4 days vs. prior quarter

Adoption & engagement

Is the benefit reaching people, and are they staying with it?

Enrollment growth

Cumulative employees enrolled since launch.

DecJanFebMarAprMay

Activation funnel

From invited to actively using the app.

Invited540 100%

Created an account356 66%

Built their plan312 58%

Active in last 30 days241 45%

Industry benchmark for sponsored financial wellness benefits is roughly 20 to 30% active use. This cohort is running ahead of it.

Aggregate MoneyBadger Score

One number for how the workforce is doing with money.

Workforce score

Average across all enrolled employees.

Stable · trending up

The MoneyBadger Score blends savings rate, emergency buffer, debt load, and budgeting consistency into a single 0 to 100 index. It carries no personal detail and is never shown per person.

Score trend & distribution

Where the workforce sits today, and how it moved.

Score distribution · 312 enrolled

142

Needs attention
0–39

Building
40–59

Stable
60–79

Thriving
80–100

Financial resilience signals

Cohort-level only. Never an individual.

41%

have an emergency buffer of at least one month of expenses

▲ from 29% at launch

55%

are actively paying down high-interest debt

▲ from 38% at launch

68%

moved money to savings every month this quarter

▲ from 47% at launch

62%

are on track to their MoneyBadger plan

▲ from 44% at launch

Savings rate distribution

Share of monthly take-home pay enrolled employees are saving.

0%18%

1–5%31%

6–10%28%

11–15%14%

16%+9%

The share saving nothing has fallen from 34% at launch as people built their first buffer.

By cohort

Grouped by tenure. Any group under 10 people is hidden to protect anonymity.

Tenure cohort	Enrolled	Active	Score
0–3 years	92	71%	64
4–9 years	118	78%	67
10–19 years	78	81%	71
20+ years	16	69%	74
Administrative / civilian staff · 8 enrolled · hidden, cohort under 10

What this dashboard gives you

Proof the benefit is working

Adoption and engagement across the whole workforce
An aggregate financial health score and its direction
Resilience trends: buffers built, debt paid down, plans on track
Cohort views, only where the group stays anonymous

What it will never show

Anything that points to a person

No individual's transactions, balances, accounts, or debts
No named scores, no rankings, no "who is struggling" list
No way to tell if a specific employee uses the app
No cohort small enough to single anyone out

Demo dashboard · illustrative data · Cedar County Fire & Rescue is a fictional employer.
MoneyBadger for Employers is a research-stage product in design with org partners. Not financial advice.
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