---
title: "2025 Employee Benefits Trends: What Employees Really Want"
description: Discover 2025 employee benefits trends reshaping total compensation. From health care to LSAs, here's how your small business can stay competitive.
image: https://blog.axcethr.com/hubfs/employee-benefits-trends-_1200-x-628-px_%20(1).webp
---

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2025 Employee Benefits Trends: What Employees Really Want

6:45

# Beyond Insurance: 2025 Employee Benefits Trends That Drive Retention

 By [Jeanette Coleman, SPHR & SHRM-SCP](https://blog.axcethr.com/author/jeanette-coleman) on [Jun 12, 2025](https://blog.axcethr.com/employee-benefits-trends)   
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When employees talk about benefits, they don’t just mean health insurance—though that remains the number one factor in job satisfaction and retention. Today’s workforce views benefits as part of a total compensation package: salary, insurance, retirement, wellness support and more. That shift matters, especially for small and mid-sized businesses competing with larger employers.

If you haven’t reviewed your benefits offerings recently, you may already be falling behind. But here’s the good news: You don’t have to wait. Whether you're ready to switch to a certified PEO like Axcet HR Solutions or simply want to offer more support within your existing setup, 2025 benefits trends reveal practical ways to act now.

**RELATED: **[Why Delaying Better Employee Benefits Packages Can Cost You Big >>](https://blog.axcethr.com/employee-benefits-packages)

## 2025 Employee Benefits Trends: What Employees Expect

Recent reports reveal that employees in every sector are redefining what it means to feel valued at work. Employees are no longer just comparing salaries—they’re comparing total compensation. Here’s [what employees want](https://www.shrm.org/topics-tools/news/benefits-compensation/5-benefits-to-watch-in-2025--according-to-experts) now:

### 1.  Affordable, High-Quality Health Coverage

Rising premiums and high out-of-pocket costs have made affordability a top concern. Employees expect access to multiple plan options, preventive care and virtual services like telemedicine.

### 2.  Comprehensive Mental Health Support

Expanded access to teletherapy, mental health days and app-based support are increasingly common. Mental health is now seen as essential to retention and productivity—not a nice-to-have. In fact, [BusinessSolver found](https://businessolver.com/resources/2024-state-of-workplace-empathy-executive-report-part-1/) that 90% of employees indicated having mental health benefits available at enrollment was important. Further, 89% said [Employee Assistance Programs](https://blog.axcethr.com/eap-the-many-benefits-of-an-employee-assistance-program) mattered.

RELATED: [Transforming Mental Health in the Workplace >>](https://blog.axcethr.com/mental-health-in-the-workplace)

### 3.  Menopause, Fertility and Caregiver Support

Resources and benefits for menopause, fertility treatments and family caregiving are becoming expected, particularly for mid-career professionals and caregivers. While only [17% of employers offer menopause-related support](https://www.shrm.org/topics-tools/news/benefits-compensation/5-benefits-to-watch-in-2025--according-to-experts), 65% of working women within menopause age indicated a desire for this employee benefit, including accommodations and support.

RELATED: [Menopause in the Workplace - The Hidden Challenge Facing Millions >>](https://blog.axcethr.com/menopause-in-the-workplace)

### 4.  Lifestyle Spending Accounts (LSAs)

Traditional benefits like health insurance, FSAs, and HSAs cover many essential needs—but they come with limits. Today’s employees expect more flexibility, especially when it comes to supporting their well-being.

Lifestyle Spending Accounts (LSAs) are employer-funded accounts that let employees choose how to spend their benefit dollars on a wide range of wellness-related expenses. Unlike FSAs and HSAs, LSAs are fully customizable and don’t require a qualifying medical expense.

That flexibility matters. One employee may want a gym membership or new running shoes, while another prefers financial planning tools, mental health app subscriptions, or caregiving support. Some may even use LSA funds for remote work upgrades or professional development.

For employers, LSAs offer competitive differentiation, help attract and retain top talent, and provide cost control—since you only pay for what employees actually use. They also simplify benefits administration by centralizing a variety of wellness offerings into one flexible solution.

By offering LSAs, you empower employees to prioritize what matters most to them, on their terms.

### 5.  Student Loan Repayment and Financial Wellness

More employers are offering student loan repayment programs and tools that help employees manage debt, save and plan for the future—including 401(k) matches on student loan payments.

### 6.  Earned Wage Access and Financial Flexibility

Employees are drawn to benefits like early access to earned wages or payroll-integrated savings tools that provide immediate financial support.

RELATED: [Earned Wage Access - Revolutionize Your Payroll >>](https://blog.axcethr.com/earned-wage-access-revolutionize-your-payroll)

### 7.  Family-Friendly and Inclusive Leave Programs

Paid parental leave, bereavement leave, and leave policies that support diverse family structures are trending upward.

### 8. Upskilling and Growth Opportunities

Employees want professional development, certifications, and clear career paths. Benefits that support growth are becoming essential.

### 9.  Support for Hybrid and Remote Work

Whether through flexible schedules, stipends for home office setup or digital collaboration tools, benefits that support flexible work models are still in demand.

[![the number one reason good employees leave](https://no-cache.hubspot.com/cta/default/2652187/interactive-190934249293.png)](https://blog.axcethr.com/hs/cta/wi/redirect?encryptedPayload=AVxigLKc6WRDrg8Q4gR7KfeochUHi7E0jMCz%2FApRwwNW8h3926jwvPZXUgr9mqxK6230LexWI3wZtNeskmMCWMtS%2B2zDpOBSabSSs0OwdAamk1mbrQwN%2BSnp2OjoVL98mJGC73M7L1bjAEBloT33la8R%2FPkt1zUkgBX0WMyrEGHfmP1BPR6XPqtOMeRXgm3Zx4PeTMtqI7g%3D&webInteractiveContentId=190934249293&portalId=2652187)

## What Axcet Clients Get Access to Immediately

Small businesses that partner with Axcet don’t have to piece together these benefits from multiple vendors. As a certified PEO, Axcet offers:

- Health insurance from United Healthcare and other top carriers
- Dental and vision coverage
- Life and accidental death & dismemberment (AD&D) insurance
- Short- and long-term disability
- Employee Assistance Program (EAP) for all employees and their households
- Health care and dependent care FSAs
- Health Savings Accounts (HSAs)
- 401(k) with pre- and post-tax options
- Earned wage access options
- Pet insurance
- ID theft protection

And you don’t need to wait for your annual renewal date. You can make the switch to Axcet mid-year! There’s no disruption to employee coverage, and our experts handle every step of the transition—seamlessly and in full compliance.

[![Better rates, bigger benefits and fewer headaches with PEO insurance. Contact Axcet HR Solutions](https://no-cache.hubspot.com/cta/default/2652187/interactive-190132211532.png)](https://blog.axcethr.com/hs/cta/wi/redirect?encryptedPayload=AVxigLK9edMtdC877%2BLbfwgfQgOIoSOdSQYOf48wVxePmwB%2FR4Vn%2B0%2BVh7vNVrzjrMc76%2Bj3nxOfW4DtYImxTVKnDjMOYODbAoGQTZUkk5HDqh6gSjIqjPf04h4pj27o6%2FSwPDqGtmFUkk2sTwFl7ajmEDRbuPMJKSaBLdHQ0gsFXU2VxZ2QMIpvJjNI3yKVFIWUgz4%3D&webInteractiveContentId=190132211532&portalId=2652187)

## Not Ready to Switch Providers? Here’s What You Can Do Now

You don’t have to change providers to start improving employee satisfaction. Even small adjustments can make a big impact when they align with current workforce priorities. Consider incorporating a few of these [high-impact, low- or no-cost ideas](https://insurica.com/blog/low-and-no-cost-employee-benefits/):

- Introduce flexible work arrangements, like remote days or adjusted hours
- Host wellness sessions such as guided meditation or yoga
- Add [Paid Volunteer Time Off (VTO)](https://blog.axcethr.com/paying-employees-for-community-service-and-volunteer-time) to support community engagement
- Enable [Earned Wage Access (EWA)](https://blog.axcethr.com/earned-wage-access-revolutionize-your-payroll) for greater financial flexibility
- Embrace a more relaxed dress code to boost comfort and morale
- Pilot summer hours—like closing early on Fridays—to reward productivity
- Create mentorship opportunities that foster development and belonging

These updates don’t require a full benefits overhaul—but they do show your employees you’re listening and evolving.

[![summer Fridays at work](https://no-cache.hubspot.com/cta/default/2652187/interactive-175717706611.png)](https://blog.axcethr.com/hs/cta/wi/redirect?encryptedPayload=AVxigLJXblxc8zpwSV2Eclfp%2F%2F9Pl8dQzTzExRnupiT2i%2BcHOV%2FeW98gGOpn%2Fw2kvMcb7fIp4MisVG9233Zf5fmsGa8pxaJ2p9gsK2XpGoazP1FaQVcUs3Dqk6P3oUhwvbDaVuOzmPPjy5ah8vDK9gNYIM2q%2BALUHE1tcQ6xx06XuzzHBiqS5IrKxsIvs9emyqEML40fvo2CKmxbHNGZ0LRLhYOz4sgDCOMMl7avcRTq1XQXcA%3D%3D&webInteractiveContentId=175717706611&portalId=2652187)

## Why Wait? Your Team Wants Better Benefits Now

The job market may be shifting, but one thing is clear: Benefits matter. If you’re struggling to attract or retain talent, your benefits package may be the missing piece.

Partnering with a [certified PEO](https://www.axcethr.com/why-axcet/certified-peo/) like Axcet gives you access to Fortune 500-level [employee benefits](https://www.axcethr.com/services/employee-benefits/), expert administration and ease to make the switch mid-year, without a lot of hassle.

Get a custom quote today and find out what’s possible. Because when it comes to your team’s well-being, waiting shouldn’t be the strategy. [Schedule a free consultation >>](https://www.axcethr.com/schedule-consultation/)

[![Subscribe now](https://no-cache.hubspot.com/cta/default/2652187/3ce89456-4e5b-4313-96c5-66d3f47eacba.png)](https://cta-redirect.hubspot.com/cta/redirect/2652187/3ce89456-4e5b-4313-96c5-66d3f47eacba)

[![Jeanette Coleman, SPHR & SHRM-SCP](https://blog.axcethr.com/hs-fs/hubfs/Jeanette-04.jpg?width=80&height=80&name=Jeanette-04.jpg)](https://blog.axcethr.com/author/jeanette-coleman)

Written by

#### [Jeanette Coleman, SPHR & SHRM-SCP](https://blog.axcethr.com/author/jeanette-coleman)

Jeanette Coleman, SPHR, SHRM-SCP, is the Director of Human Resources at Axcet HR Solutions, where she has contributed her expertise for over 21 years.

As a leader in the HR industry, she holds advanced certifications as a Senior Professional in Human Resources (SPHR) and SHRM-Senior Certified Professional (SHRM-SCP). Jeanette oversees HR strategy and operations, ensuring Axcet delivers exceptional HR services that help small and mid-sized businesses stay compliant and grow.

With a Master’s degree in Human Resource Management from Keller Graduate School and a Bachelor of Science in Business Administration from Kansas State University, Jeanette is well-equipped to lead and support clients in navigating complex HR challenges.

Throughout her 15-year tenure as Director of Human Resources, she has been instrumental in positioning Axcet as the Midwest’s largest and premier Professional Employer Organization (PEO). Her previous roles at Axcet include Director of Employee Benefits and Senior HR Consultant, where she gained extensive experience in HR outsourcing, and employee risk management.

Jeanette’s expertise has been recognized through industry and regional publications. She co-authored the article “High-Touch in the Age of High-Tech: How PEOs Can Embrace AI Without Losing Their Humanity” (https://peoinsider.org/articles/high-touch-in-the-age-of-high-tech-how-peos-can-embrace-ai-without-losing-their-humanity/) for PEO Insider (March 2026), alongside Jo McClure, and was featured in Ingram’s Magazine in a Q&A (https://ingrams.com/article/qa-with-jeanette-coleman/) discussing generational change, technology, and workplace culture. These contributions reflect her perspective on balancing innovation with the human side of HR.

Jeanette’s leadership reflects her deep commitment to helping businesses thrive through strategic, compliance-driven HR solutions. Through her writing, she shares insights on HR strategy, compliance, and best practices to help employers confidently manage their workforce.

 Published in: PEO Insider and Ingram's

Read more

<https://www.axcethr.com> <https://www.linkedin.com/in/jeanette-coleman-sphr-shrm-scp-a40a537/> [View all posts →](https://blog.axcethr.com/author/jeanette-coleman)

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  "articleBody" : "When employees talk about benefits, they don’t just mean health insurance—though that remains the number one factor in job satisfaction and retention. Today’s workforce views benefits as part of a total compensation package: salary, insurance, retirement, wellness support and more. That shift matters, especially for small and mid-sized businesses competing with larger employers. If you haven’t reviewed your benefits offerings recently, you may already be falling behind. But here’s the good news: You don’t have to wait. Whether you're ready to switch to a certified PEO like Axcet HR Solutions or simply want to offer more support within your existing setup, 2025 benefits trends reveal practical ways to act now. RELATED: Why Delaying Better Employee Benefits Packages Can Cost You Big &gt;&gt; 2025 Employee Benefits Trends: What Employees Expect Recent reports reveal that employees in every sector are redefining what it means to feel valued at work. Employees are no longer just comparing salaries—they’re comparing total compensation. Here’s what employees want now: 1. Affordable, High-Quality Health Coverage Rising premiums and high out-of-pocket costs have made affordability a top concern. Employees expect access to multiple plan options, preventive care and virtual services like telemedicine. 2. Comprehensive Mental Health Support Expanded access to teletherapy, mental health days and app-based support are increasingly common. Mental health is now seen as essential to retention and productivity—not a nice-to-have. In fact, BusinessSolver found that 90% of employees indicated having mental health benefits available at enrollment was important. Further, 89% said Employee Assistance Programs mattered. RELATED: Transforming Mental Health in the Workplace &gt;&gt; 3. Menopause, Fertility and Caregiver Support Resources and benefits for menopause, fertility treatments and family caregiving are becoming expected, particularly for mid-career professionals and caregivers. While only 17% of employers offer menopause-related support, 65% of working women within menopause age indicated a desire for this employee benefit, including accommodations and support. RELATED: Menopause in the Workplace - The Hidden Challenge Facing Millions &gt;&gt; 4. Lifestyle Spending Accounts (LSAs) Traditional benefits like health insurance, FSAs, and HSAs cover many essential needs—but they come with limits. Today’s employees expect more flexibility, especially when it comes to supporting their well-being. Lifestyle Spending Accounts (LSAs) are employer-funded accounts that let employees choose how to spend their benefit dollars on a wide range of wellness-related expenses. Unlike FSAs and HSAs, LSAs are fully customizable and don’t require a qualifying medical expense. That flexibility matters. One employee may want a gym membership or new running shoes, while another prefers financial planning tools, mental health app subscriptions, or caregiving support. Some may even use LSA funds for remote work upgrades or professional development. For employers, LSAs offer competitive differentiation, help attract and retain top talent, and provide cost control—since you only pay for what employees actually use. They also simplify benefits administration by centralizing a variety of wellness offerings into one flexible solution. By offering LSAs, you empower employees to prioritize what matters most to them, on their terms. 5. Student Loan Repayment and Financial Wellness More employers are offering student loan repayment programs and tools that help employees manage debt, save and plan for the future—including 401(k) matches on student loan payments. 6. Earned Wage Access and Financial Flexibility Employees are drawn to benefits like early access to earned wages or payroll-integrated savings tools that provide immediate financial support. RELATED: Earned Wage Access - Revolutionize Your Payroll &gt;&gt; 7. Family-Friendly and Inclusive Leave Programs Paid parental leave, bereavement leave, and leave policies that support diverse family structures are trending upward. 8. Upskilling and Growth Opportunities Employees want professional development, certifications, and clear career paths. Benefits that support growth are becoming essential. 9. Support for Hybrid and Remote Work Whether through flexible schedules, stipends for home office setup or digital collaboration tools, benefits that support flexible work models are still in demand. What Axcet Clients Get Access to Immediately Small businesses that partner with Axcet don’t have to piece together these benefits from multiple vendors. As a certified PEO, Axcet offers: Health insurance from United Healthcare and other top carriers Dental and vision coverage Life and accidental death &amp; dismemberment (AD&amp;D) insurance Short- and long-term disability Employee Assistance Program (EAP) for all employees and their households Health care and dependent care FSAs Health Savings Accounts (HSAs) 401(k) with pre- and post-tax options Earned wage access options Pet insurance ID theft protection And you don’t need to wait for your annual renewal date. You can make the switch to Axcet mid-year! There’s no disruption to employee coverage, and our experts handle every step of the transition—seamlessly and in full compliance. Not Ready to Switch Providers? Here’s What You Can Do Now You don’t have to change providers to start improving employee satisfaction. Even small adjustments can make a big impact when they align with current workforce priorities. Consider incorporating a few of these high-impact, low- or no-cost ideas: Introduce flexible work arrangements, like remote days or adjusted hours Host wellness sessions such as guided meditation or yoga Add Paid Volunteer Time Off (VTO) to support community engagement Enable Earned Wage Access (EWA) for greater financial flexibility Embrace a more relaxed dress code to boost comfort and morale Pilot summer hours—like closing early on Fridays—to reward productivity Create mentorship opportunities that foster development and belonging These updates don’t require a full benefits overhaul—but they do show your employees you’re listening and evolving. Why Wait? Your Team Wants Better Benefits Now The job market may be shifting, but one thing is clear: Benefits matter. If you’re struggling to attract or retain talent, your benefits package may be the missing piece. Partnering with a certified PEO like Axcet gives you access to Fortune 500-level employee benefits, expert administration and ease to make the switch mid-year, without a lot of hassle. Get a custom quote today and find out what’s possible. Because when it comes to your team’s well-being, waiting shouldn’t be the strategy. Schedule a free consultation &gt;&gt;",
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