Morgan Stanley Employee Benefits Value Calculator
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Morgan Stanley
Calculated May 29, 2026
Benefits Breakdown
Health Insurance (Individual) | $7,500 Based on KFF 2023 Employer Health Benefits Survey — average employer contribution for single coverage |
Health Insurance (Family) | $22,000 Based on KFF 2023 Employer Health Benefits Survey — average employer contribution for family coverage |
Dental Insurance | $750 Industry average employer dental premium contribution (BLS 2023) |
Vision Insurance | $200 Industry average employer vision premium contribution (BLS 2023) |
HSA Employer Contribution | $1,000 Average employer HSA contribution (EBRI 2023) |
Flexible Spending Account (FSA) | $500 Average employer FSA contribution — tax savings value |
Mental Health CareComprehensive mental health coverage + EAP with counseling sessions | $1,200 Based on 8 EAP sessions x $150/session avg market rate Company note: Comprehensive mental health coverage + EAP with counseling sessions |
Life Insurance | $300 1x salary basic life insurance, averaged to $300/yr employer cost (BLS) |
Disability Insurance (Short & Long Term) | $600 Employer-paid short + long term disability, avg $600/yr (BLS) |
401k Employer Match100% match on first 8% of eligible compensation | $5,600 Calculated as 4% match on $70K median salary (BLS median wage data) Company note: 100% match on first 8% of eligible compensation Value adjusted for this company |
Employee Stock Purchase Plan (ESPP)Employee Stock Purchase Plan with 15% discount | $2,250 15% ESPP discount on $15K annual purchase (IRS section 423 limit) Company note: Employee Stock Purchase Plan with 15% discount |
RSU / Stock OptionsRSU grants for VP and above; significant equity at senior levels | $10,000 Median RSU grant value — company-specific when overridden Company note: RSU grants for VP and above; significant equity at senior levels Value adjusted for this company |
Performance BonusDiscretionary bonus; substantial for revenue-generating roles | $18,000 Average target bonus for median compensation band (BLS) Company note: Discretionary bonus; substantial for revenue-generating roles Value adjusted for this company |
Pension / Defined Benefit Plan | — Defined benefit plan — employer annual contribution equivalent |
Charitable Gift MatchingMorgan Stanley charitable matching up to $5,000/yr | $5,000 Employer match on charitable donations Company note: Morgan Stanley charitable matching up to $5,000/yr Value adjusted for this company |
Paid Parental Leave16 weeks primary caregiver + 6 weeks secondary caregiver paid leave | $15,400 Paid weeks x weekly salary at $70K/yr median Company note: 16 weeks primary caregiver + 6 weeks secondary caregiver paid leave Value adjusted for this company |
Fertility AssistanceFertility treatment coverage through Progyny | $3,000 Lifetime benefit amortized over career years Company note: Fertility treatment coverage through Progyny |
Childcare SubsidyBackup childcare up to 25 days/yr through Bright Horizons | $3,000 Dependent care FSA or on-site childcare subsidy Company note: Backup childcare up to 25 days/yr through Bright Horizons |
Dependent Care FSA | $1,200 Tax savings on $5,000 dependent care FSA at 24% marginal bracket |
Adoption AssistanceAdoption and surrogacy reimbursement up to $10,000 | $1,000 Adoption/surrogacy reimbursement, amortized Company note: Adoption and surrogacy reimbursement up to $10,000 Value adjusted for this company |
Paid Time Off (PTO)20 days PTO for US employees | $3,846 Paid days x daily rate at $70K median salary ($269/day) Company note: 20 days PTO for US employees Value adjusted for this company |
Paid Holidays | $2,308 Paid holiday days x daily rate at $70K median |
Sick Leave | $1,538 Paid sick days x daily rate |
Volunteer Time Off2 days VTO per year | $615 Paid volunteer days x daily rate Company note: 2 days VTO per year |
Sabbatical Program | — Paid sabbatical value amortized over qualifying period |
Free Meals / SnacksSubsidized cafeteria at major offices | — $12/meal x 250 working days (BLS food-away-from-home pricing) Company note: Subsidized cafeteria at major offices |
Gym / Fitness MembershipOn-site fitness center at major offices; gym reimbursement available | $1,200 Average gym membership $70/mo (IHRSA 2023) Company note: On-site fitness center at major offices; gym reimbursement available Value adjusted for this company |
Work From Home / RemotePrimarily in-office; limited hybrid flexibility | — Commute savings + home office costs (Global Workplace Analytics) Company note: Primarily in-office; limited hybrid flexibility |
Home Office Stipend | — Annual home office equipment/furniture allowance |
Commuter Benefits / Transit PassPre-tax commuter benefits | $900 Pre-tax transit benefit, max $300/mo (IRS section 132) Company note: Pre-tax commuter benefits |
Employee Product DiscountMorgan Stanley financial advisory discounts for employees | $750 Company-specific discount value on products/services Company note: Morgan Stanley financial advisory discounts for employees |
Mobile Phone / Plan Reimbursement | — $50/month phone stipend — standard employer reimbursement |
Company Car / Vehicle Allowance | — Annual lease equivalent value of company vehicle |
Legal Assistance ProgramLegal assistance through MetLife Legal Plans | $400 Group legal plan annual employer cost Company note: Legal assistance through MetLife Legal Plans |
Employee Assistance Program (EAP) | $300 Counseling, financial, and legal assistance — annual employer cost |
Tuition AssistanceTuition reimbursement for approved programs | $5,250 Annual tuition reimbursement (IRS section 127 tax-free limit: $5,250) Company note: Tuition reimbursement for approved programs Value adjusted for this company |
Professional Development Budget | $1,500 Annual L&D/conference/certification budget |
Conference & Training Budget | $2,000 Annual conference attendance + travel budget (SHRM) |
Certification ReimbursementCFA, Series licenses, and other professional certifications | $800 Annual reimbursement for industry certifications Company note: CFA, Series licenses, and other professional certifications |
About Morgan Stanley Benefits
Morgan Stanley offers an elite employee benefits package with an estimated annual value of $119,907 beyond base salary. The strongest areas of the Morgan Stanley benefits program are Financial & Retirement, Insurance, Health & Wellness, Family & Parenting. This calculation is based on publicly available benefit disclosures, employer cost data, and actuarial averages for the United States. Individual values may vary by role, tenure, state, and enrollment elections.
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Frequently Asked Questions
- How much are Morgan Stanley benefits worth?
- Morgan Stanley benefits are worth approximately $119,907 per year on top of base salary, based on national averages and publicly reported employer contribution rates for health insurance, retirement matching, equity, and other perks.
- What health insurance does Morgan Stanley offer?
- Morgan Stanley offers comprehensive health insurance including medical, dental, and vision coverage. Employers typically cover a significant portion of the premium for both individual and family plans. The exact value depends on plan elections and the number of covered dependents.
- Does Morgan Stanley offer a 401k match?
- Most large employers including Morgan Stanley offer a 401k or similar retirement savings plan with employer matching contributions. The match percentage and cap vary by company policy. See the full breakdown above for Morgan Stanley's specific retirement benefit value.
- What are Morgan Stanley's top employee perks?
- The top benefit categories at Morgan Stanley by dollar value are: Financial & Retirement, Insurance, Health & Wellness, Family & Parenting. These represent the highest-value components of the total compensation package beyond base salary.
- How do Morgan Stanley benefits compare to competitors?
- Morgan Stanley's total benefits value of $119,907/year can be compared side-by-side with other employers using Corbez's free benefits comparison tool. Use the links below to see how Morgan Stanley stacks up against Google, Meta, Microsoft, and other top employers.