Employees who have access to financial wellness programs at work are taking more responsibility for their finances and improving their situations, says a report by Financial Finesse released Wednesday.

The report by Financial Finesse, a provider of workplace financial education programs based in El Segundo, Calif., says the most notable improvements have been among lower-income workers, who in the past have had limited access to financial education assistance. The data for the report was gathered from more than 12,000 employees, 1,101 of whom identified themselves as making less than $35,000 a year.

Employees with household incomes below $35,000 have improved in a number of areas, according to the 2014 Year in Review study. Paying bills on time has grown from 65 percent in 2013 to 69 percent last year. In 2014, 23 percent said they had emergency funds, up from 20 percent the year before.

Fewer employees reported the stock market and the economy as their top concern (51 percent in 2013 and 36 percent in 2014) and more reported not having control of their financial situation (38 percent to 44 percent) as their biggest worry.

“With the advent of new financial planning technology and the expansion of workplace financial wellness programs that reach all employees in an organization, lower-income employees are finally getting access to financial guidance,” says Liz Davidson, CEO and founder of Financial Finesse.