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Workplace Savings Series 2026

What Are Employees Saving In?

The case for employer-enabled Bitcoin saving. A free 12-page report for HR, compensation and finance leaders in the US and Canada.

  • Seven years of price, wage and savings data, from public sources.
  • How much plan defaults change what people do: 37% participation vs 86%.
  • The case for and against Bitcoin as a saving asset, including a 53% drawdown. No price predictions.

Prefer to talk it through? Book a 15-minute demo

Report cover: What Are Employees Saving In?
What Are Employees Saving In?12 pages | PDF | Free

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Four findings from the report

Pay kept up. Cash savings didn't.

The report starts with the evidence and lets it lead. Here is a preview.

77¢ / 81¢

What a dollar saved in August 2019 buys today, in the US and in Canada.

+2.8% / +5.1%

Real wage growth since 2019 in the US and Canada. Even cash rolled into one-year Treasuries or GICs still lost about 8% of purchasing power.

37% to 86%

Plan participation under opt-in vs automatic enrollment in a landmark study. Defaults shape how people save.

-53%

Bitcoin's fall from its October 2025 high to its June 2026 low. Included, not hidden.

A look inside

Charts built from primary sources.

Every figure carries its source on the page. Statistics Canada, the U.S. Bureau of Labor Statistics, the Federal Reserve, the Bank of Canada and published research.

Chart of price increases in the US and Canada since August 2019
What a 2019 dollar buys today
Chart showing real wages rising while cash savings lost purchasing power
Pay kept up. Cash savings didn't.
Plan participation: 37 percent opt-in vs 86 percent automatic enrollment
How payroll shapes saving
What is in the 12 pages

One idea per page.

Pg 3Seven things every benefits leader should know about workplace saving
Pg 4Pay is stated in dollars. Life is paid for in purchasing power.
Pg 5Pay kept up. Cash savings didn't.
Pg 6The employer already decides how most people save.
Pg 7Employees want more say in what their benefits do for them.
Pg 8What makes Bitcoin relevant to saving, and what makes it hard.
Pg 9How a Bitcoin Savings Plan works.
Pg 10Why an employer would offer one, and what it costs.
Pg 11Six questions executives ask.
Pg 12The future of workplace saving, and a next step.
How we wrote it

Evidence first. Risks on the page.

Public data onlyStatistical agencies, central banks, regulators and published research. Block Rewards ran no survey.
No price predictionsNothing in the argument depends on Bitcoin's price going up.
Sources on every pageSeries, dates and caveats are shown where the figure appears.
One option among severalDiversified funds, pensions and inflation-linked bonds remain the traditional answers.

Disclosure. Block Rewards sells the Bitcoin Savings Plan described in the report. The report names that interest on its second and last pages, and discloses that BlackRock, the source of its volatility data, issues a spot Bitcoin ETF.

Book a demo

Explore whether a Bitcoin Savings Plan could fit your workforce.

Pick a time that suits you. The call is 15 minutes with the Block Rewards team.

  1. We show the employee and employer views of the plan.
  2. We cover what it takes on payroll: one post-tax deduction line.
  3. We talk through whether it makes sense for your workforce.
1-855-552-8766
info@blockrewards.com
blockrewards.com Available to employers across Canada. US launch planned for Q1 2027. US employers can join the waitlist.

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Block Rewards builds workplace savings infrastructure and is registered with FINTRAC as a money services business. Block Rewards provides access, not investment advice. Bitcoin is volatile and can fall sharply. This report is for information only and is not investment, tax or legal advice.