Enter your workforce and match structure. See match cost, after-tax cost, retention savings, break-even employee count, and payback period.
Net 5-year gain
$0match cost minus retention savings, after tax
Adjust the sliders. Everything updates instantly.
Payback: — moBreak-even at — employeesFully tax-deductible
5-year cost vs. savings
Match cost (after tax)
Retention savings
Cumulative net gain
Year 1
$0
Year 3
$0
Year 5
$0
Your workforce & match structure
Number of employees500
Full-time-equivalent U.S. headcount.
Employee take-up rate15%
Share of workforce who open an ABLE and receive the match. Typical: 8 to 20%.
Monthly match per participant$50
Typical range: $25 to $200 per month.
Retention math
Baseline annual turnover18%
Your firm's current annual turnover of eligible employees.
Turnover reduction from match3.5 pp
Early evidence: 2 to 5 percentage points. Set higher if you already have a strong DEI foundation.
Cost to replace one employee$18,000
Includes recruiting, onboarding, ramp-up. SHRM avg: $4,700 to $28,000 depending on role.
Tax
Employer marginal tax rate25%
Federal + state effective rate. Match is deductible as ordinary compensation.
Detail
Cost side
Employees receiving match—
Annual gross match cost$—
After-tax annual match cost$—
5-year cumulative cost (net)$—
Savings side
Baseline separations / yr (participants)—
Separations with match / yr—
Annual retention savings$—
5-year cumulative savings$—
Net + break-even
Annual net (savings − cost)$—
5-year net gain$—
Break-even employee count—
Payback period— months
5-year ROI—
What this doesn't include: productivity gains, engagement effects, brand equity, or reduced disability-adjustment costs. All of these tend to further improve the ROI.
Assumptions
Match paid 12 months/yearYes
Turnover reduction applied uniformlyYes
Replacement cost includes overheadYes
Match treated as ordinary compensationYes
Model is illustrative. For a formal ROI estimate, work with your Compensation and Total Rewards team. See the Employer Brief for a 1-page executive summary.