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Under the SECURE 2.0 Act , employers can match employees’ student loan repayments with a contribution to the 401(k), 403(b), governmental 457(b) plan or Savings Incentive Match Plan for Employees individual retirement account (SIMPLE IRA), helping employees save for retirement while paying down their debt.; ;Employee choice programs.

For older adults who are less comfortable with technology, many financial advisors now provide app-based client portals with simple dashboards.

A more efficient recognition strategy also means paring costs, and mature rewards functions emphasize nonmonetary offerings like growth opportunities, flexible work arrangements and even simple thank-yous — methods that often see as much value as monetary rewards across the workforce.

These might include: ;Decision fatigue (increasing difficulty making simple decisions);; ;Procrastination (avoiding one-on-ones or difficult conversations due to low emotional bandwidth);; ;Irritability (frustration and overreaction to minor mistakes or changes);; ;Isolation (avoiding peers or mentors because you’re struggling and feel they won’t understand or view you with empathy);; ;Neglecting self-care (e.g., lack of sleep, skipping meals, stopping exercise or hobbies); and,; ;Physical flags (e.g., tension headaches, teeth clenching, persistent fatigue [while mentally unable to rest] or frequent illness).;; Consider highlighting employee assistance program (EAP) resources specifically for managers that focus on these topics and more.

“Spread awareness of your company’s approach to well-being or spotlight the benefit of the month with a quick video, a shoutout during an all-hands staff meeting or a simple addition to the monthly newsletter.”

The company offers several initiatives to drive adoption: ;Its “How I AI” series seeks to make building and using AI tools approachable through practical, relatable use cases — drawing on low-stakes examples, even something as simple as cooking with AI.; ;The “AI Champions” program provides space for group learning and experimentation, encouraging shared growth and applying results to company projects.; “Companies should clearly define the behaviors they want to encourage, including where human judgment is expected to remain part of the process, and make sure incentives are accessible across roles and skill levels,” Quinn said.

That is not a simple task.”

If your MBO system was not working well before, a simple rebranding with no attention paid to the underlying process will have no appreciable effect.

.; In doing these and other tasks, Smith said to keep it simple.

A simple worksheet based on this information may also be helpful for employees to use on their own.