Background: Last week, Commonwealth and the DCIIA RRC published a new study examining incentive mechanisms tied to emergency savings plans among workers earning low-to moderate-incomes (LMI). The goal was to understand how offering small dollar rewards could impact demand for employer-sponsored emergency savings. This study and respective survey oversampled for eligible participants who are Black, Latinx, and/or female. Fielded to over 1,000 LMI workers, 56% of respondents were female and 44% were male. Among them, 45% of respondents were white (non-Hispanic), 28% were Black, 25% were Hispanic, 7% Asian/Pacific Islander/Native Hawaiian, and 3% were Native American.Findings: In the survey, respondents were asked their likelihood of enrolling in an emergency savings solution, including options such as a reward for achieving a savings goal, a reward for saving consistently, and a saving match. Initially, 72% of respondents had a high interest in enrolling in an emergency savings plan, with the highest interest from Black respondents (77%). This indicates promising support of employer-sponsored emergency savings programs, with or without incentives.Incentives were offered at specific small-dollar amounts ($10, $15, or $25), with each participant seeing only one incentive reward amount throughout the survey. The survey found that small-dollar incentives across all amounts ultimately improved the likelihood of enrolling in an emergency savings program.Bottom Line: This research suggests an ongoing demand for a high-quality emergency savings product specifically amongst workers earning LMI. This finding is encouraging as it identifies the positive connection between small-dollar incentives and increased enrollment, and these smaller incentives may be more feasible for employers to implement than larger rewards.