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 Sample Characteristics 
The descriptives for the final sample are shown in Table 2.1. The two groups consisted of 
46 financial education program participants and 56 non-participating employees in the control 
group. The control group was similar to the participant group; however, there were some 
differences to note. There were fewer females in the participant group at 62.5% (versus 76.1%), 
a higher number of married individuals in the participant group at 71.4% (versus 56.5%), and a 
higher percentage of homeownership among the control group at 80.4% (versus 67.4%). The 
control group also had a higher average level of education with 62.5% indicating at least a 
bachelor’s degree (versus 48% among participants). Notable similarities between groups include 
the same average age level of 35 to 44 years old, similar average income levels ($82,009 to 
$101,582) and average net worth levels ($50,000 to $149,999), and the same average of two 
people living in the household. 
 

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36 
Table 2.1 Sample Demographics (N=102) 
 
Control Group (N=56)