61 • Evaluate whether the use of long-term incentives within a short-term incentive compensation arrangement (for example, as a risk-balancing feature) is in accordance with policies, procedures, and companywide guidance . Please see our most recent Proxy Statement and the Executive compensation section of this report for additional details . Pay equity review Wells Fargo is committed to fair and equitable compensation practices and we regularly review our compensation programs and practices for pay equity . Each year, we engage a third-party consultant to conduct a thorough pay equity review of employee compensation, which considers gender, race, and ethnicity . The results of our 2020 review, after accounting for factors such as role, tenure, and geography, show that women at Wells Fargo continued to earn more than 99 cents for every $1 earned by their male peers . In addition, U .S . employees who are racially/ethnically diverse continue to earn more than 99 cents for every $1 earned by Caucasian/ white peers . Employee benefits At Wells Fargo, we value and support our people as a competitive advantage . We strive to attract, develop, engage, and retain the best employees and we create an environment that fosters collaboration across businesses and functions, to serve our customers . We aim to be the employer of choice — a place where people feel included, valued, and supported; where everyone is respected; and where we work as a team . That’s why we provide all eligible full- and part-time employees (and their eligible dependents, as applicable) with a comprehensive set of benefits designed to protect their physical and financial health and to help them make the most of their financial future . U .S . employees may also take advantage of discounts on financial products, home mortgages, and more . Health plans (medical, dental, vision) Across our global footprint, we offer comprehensive and competitive health benefits . In the U .S ., we offer medical, dental, and vision benefits to help employees achieve their health goals . Our medical plans offer comprehensive coverage, including preventive care services, emergency care, mental health and substance abuse services, and prescription drug coverage to help employees and their families improve or maintain their health . We have invested $100 million toward making health care more affordable for the majority of our U .S .-based employees . Because of this, in 2021, about 60% of employees saw lower or no increases in premiums, and almost every participant saw lower out-of-pocket health care costs due to plan changes . Our investment included a Health Savings Account (HSA) contribution of up to $1,000 for employees at the lower range of our pay scale . In 2020, Wells Fargo invested approximately $15,700 per employee in benefits programs . We also provide extensive health plan coverage to our international employees and their dependents, in line with competitive market practices . In our international locations, we seek opportunities to help ensure we’re meeting the medical needs of our employees, which often involves expanded coverage beyond traditional local market practices . Recent examples include expanded coverage for psychiatric treatment to support mental health in India, gender-affirming Performance trends can be found in the Wells Fargo ESG Goals and Performance Data (PDF) .