Core Insights - A significant disconnect exists in how Americans manage their finances, with 45% indicating insufficient disposable income for retirement savings while 90% maintain at least one monthly subscription [1][8] Group 1: Financial Behavior - The majority of Americans automate expenses such as bills (60%) and debt payments (39%), but only 24% automate retirement contributions and just 11% automate transfers to investment accounts [8] - A survey by PensionBee reveals that one in three Americans manage more than six subscriptions, while one in four are unaware of how many subscriptions they have, increasing the risk of unwanted charges [3] Group 2: Financial Recommendations - Redirecting $17 monthly from unused subscriptions to retirement savings could accumulate to $25,000 over 35 years, representing a significant portion of the median U.S. household's current nest egg of $87,000 [4][8] - PensionBee suggests strategies such as canceling unused subscriptions to contribute to retirement accounts, consolidating lost retirement wealth, conducting monthly financial check-ups, and automating contributions to enhance retirement savings [9] Group 3: Company Overview - PensionBee is a leading retirement savings provider managing $10 billion in assets and serving over 300,000 customers globally, focusing on simplicity, transparency, and accessibility [6] - The company offers various retirement accounts, including Traditional, Roth, SEP, and Safe Harbor IRAs, with ETF-backed portfolios [6]

Core Insights - PensionBee has achieved certification as a Great Place To Work® with a 100% employee satisfaction score, reflecting its commitment to employee well-being and customer care [1][3] - The company manages $10 billion in assets and serves over 300,000 customers globally, focusing on simplicity, transparency, and accessibility in retirement savings [4] Employee Satisfaction - The national benchmark for employee satisfaction is 57%, while PensionBee's perfect score indicates a strong internal culture that values its workforce [2] - The Great Place To Work Certification is based on the Trust Index™ methodology, which quantifies workplace culture and employee experience [3] U.S. Market Growth - Since 2024, PensionBee has expanded its presence in the U.S. market, driven by its customer-centric model and technology-driven solutions [4] - The company offers various retirement accounts, including Traditional, Roth, SEP, and Safe Harbor IRAs, with ETF-backed portfolios [4] Technology and Customer Support - PensionBee provides free human support to assist customers in managing their retirement savings, particularly in consolidating orphaned 401(k)s [6] - The automated rollover process, enhanced by integration with SS&C's RolloverCentral®, allows users to complete 401(k) rollovers in minutes [6] - The company offers an intuitive app that includes expert-built portfolios and planning tools for mobile banking convenience [6]