'GXO Logistics employees weighing when to file for Social Security should consider both current health care costs and long-term income needs, so they can stay adaptable as retirement unfolds.' — Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.
New Update: Rising Oil Costs are Affecting Retirement Plans. Will you be impacted?
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Why More GXO Logistics Employees Are Considering Social Security Early  And How Medicare Changes Play a Role
November 11, 2025
How Oil Volatility Affects Your GXO Logistics Retirement
Crude oil prices remain elevated and volatile, with annualized volatility around 80% and prices ranging between $50 and $120 per barrel over the past six months. Diesel and jet fuel represent primary operating costs for logistics companies, making them among the most directly exposed to crude oil price swings. For GXO Logistics employees focused on long-term financial health, periods of oil-driven economic volatility reinforce the value of diversified strategies that account for how energy markets influence the broader investment landscape. Working with a financial advisor can help you position your planning strategy for sustained energy price uncertainty.
Crude oil prices remain elevated and volatile, with annualized volatility around 80% and prices ranging between $50 and $120 per barrel over the past six months. Diesel and jet fuel represent primary operating costs for logistics companies, making them among the most directly exposed to crude oil price swings. For GXO Logistics employees focused on long-term financial health, periods of oil-driven economic volatility reinforce the value of diversified strategies that account for how energy markets influence the broader investment landscape. Working with a financial advisor can help you position your planning strategy for sustained energy price uncertainty.
'GXO Logistics employees can benefit from thoughtfully coordinating Social Security timing with health care expenses so their retirement income stays aligned with their evolving needs over time.' — Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.
In this article, we will discuss:
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How Social Security filing age affects retirement income.
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How Medicare expenses factor into when retirees claim benefits.
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Why emotional concerns are shifting filing behavior for many Americans.
Written by Wealth Enhancement advisors Kevin Landis, CPA and Wesley Boudreaux
Advisors in the retirement-income space have long suggested that retirees consider delaying filing for Social Security benefits. For those with a full retirement age (FRA) of 67, waiting until age 70 can result in monthly payments that are around 24% higher. 1 And for those with an FRA of 66, the increase if one waits until age 70 is closer to 32%. 1 GXO Logistics employees nearing retirement often hear this same message.
However, new national data indicates a growing number of Americans plan to claim Social Security before age 70. Cost pressures and health care related issues are major influences in this trend.
The Retirees’ Reality
Today’s retirees face a very different environment than those in past decades, including less access to traditional pensions, rising health care costs, and mounting everyday living expenses. In the private sector, only about 15% of workers still have access to defined benefit pensions, 2 affecting many households and GXO Logistics employees.
According to retirement consultant Wesley Boudreaux, 'most retirees are not choosing to claim early for the sake of it.” Instead, rising medical and living costs are driving earlier benefit decisions because of cash flow pressures.
One major factor? Health care. Nearly 39% of out-of-pocket health care spending by Medicare beneficiaries was equivalent to Social Security payments received, on average, in 2022. 3
Medicare Advantage: A Key Planning Factor
Additionally, shifts in Medicare Advantage plans have left many retirees unsure about upcoming costs. Benefit structures can vary significantly by year or by region, causing cost surprises that GXO Logistics workers and their families may need to plan for.
“We are already seeing clients paying more for health care than expected,” said Kevin Landis, CPA. “When medical expenses rise, Social Security often becomes the first lever people pull to handle that burden.”
This is why coordinating Social Security filing decisions with Medicare coverage choices remains important, particularly when plans change annually.
“This is the intersection of Social Security and health care planning,” Landis adds. “Changes in one can influence the other.”
Emotional Considerations Also Matter
Money matters aren’t the only reason retirees claim earlier. Concerns about the future of Social Security have caused many to look for the emotional comfort of taking benefits sooner, including some GXO Logistics workers preparing for retirement.
While benefits are expected to continue—even if trust fund reserves decline in the 2030s—worries about future payouts can play a role.
“It’s not just about math,” Boudreaux explains. “People want control and stability in retirement, even if that means receiving less over time.”
Finding the Right Approach for You
Whether filing early is a good fit depends a lot on health, cash flow needs, and longer-term retirement goals. Thoughtful planning helps maintain flexibility, rather than driving you to respond under pressure.
“The best approach balances today’s needs with what lies ahead,” Landis says. “And that begins with understanding how Medicare and Social Security interact.”
Need Help Reviewing Your Options?
The Retirement Group, a division of Wealth Enhancement, helps individuals evaluate Medicare electives, analyze Social Security filing alternatives, and design retirement income strategies based on personal goals—including guidance tailored to those employed by GXO Logistics.
📞 Call (800) 900-5867 before your next enrollment period to schedule a Social Security & Health Care Review.
Work toward confidence in your long-term retirement income decisions.
About the Authors
Wesley Boudreaux and Kevin Landis, CPA, provide retirement income and tax planning guidance through Wealth Enhancement, helping people make informed choices about Social Security, Medicare, and financial well-being.
Remote-work tax implications add complexity, making it essential to understand how GXO Logistics's benefit programs factor into your overall financial picture. It is important to note that GXO Logistics maintains an active defined benefit pension plan - this means eligible employees continue to accrue benefits based on years of service and compensation. If you are eligible for a lump sum payout, IRS Section 417(e) segment rates determine how the future annuity stream converts to a present-value payment - rising rates compress the lump sum, so monitoring the plan's stability period and lookback month is critical before you lock in your election date. The choice between a single-life annuity, a joint-and-survivor option, or a lump sum (where available) is generally irrevocable once made, and timing that decision relative to interest rate conditions can meaningfully affect your retirement income picture.
Moving to the healthcare dimension, GXO Logistics does not offer continued medical coverage to retirees, which means coverage through the company ends when employment does. Planning for the cost of health insurance during any gap between your retirement date and Medicare eligibility at age 65 is a critical step - marketplace coverage, COBRA continuation, or a spouse's employer plan are common options. Building an accurate estimate of bridge-coverage costs into your retirement income projection prevents underestimating one of the largest variable expenses retirees face. Seeing all of your GXO Logistics benefits in the context of a single retirement income plan is the most effective way to plan with confidence.
Sources:
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1. CNBC. ' Does it still make sense to wait to claim Social Security retirement benefits? ' by Lorie Konish. 29 Apr. 2026.
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2. U.S. Bureau of Labor Statistics. ' 15 percent of private industry workers had access to a defined benefit retirement plan ,' 10 Apr. 2026.
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3. Kaiser Family Foundation. “ Health Costs Consume a Large Portion of Income for Millions of People with Medicare ,' by Ochieng, Nancy; Juliette Cubanski; Tricia Neuman; Anthony Damico. 21 Aug. 2026.
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Other Resources:
- 1. Social Security Administration. When to Start Receiving Retirement Benefits: Publication No. 05-10147 . May 2026. U.S. Government Publishing Office, Washington D.C.
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2. Topoleski, John J., Elizabeth A. Myers, and Sylvia L. Bryan. Worker Participation in Employer-Sponsored Pensions: Data in Brief and Recent Trends (R43439) . Congressional Research Service, 18 Sept. 2026.
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3. Medicare Payment Advisory Commission. Report to the Congress: Medicare Payment Policy – Chapter 11: The Medicare Advantage Program: Status Report . Mar. 2026, medpac.gov/wp-content/uploads/2026/03/Mar25_Ch11_MedPAC_Report_To_Congress_SEC.pdf.
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4. Board of Trustees, Social Security. 2026 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds . 30 June 2026. U.S. Government Publishing Office, Washington D.C.
What is the 401(k) plan offered by GXO Logistics?
The 401(k) plan at GXO Logistics is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.
How can I enroll in the 401(k) plan at GXO Logistics?
Employees can enroll in the GXO Logistics 401(k) plan by completing the enrollment form available on the company’s HR portal or by contacting the HR department for assistance.
Does GXO Logistics offer a company match for the 401(k) contributions?
Yes, GXO Logistics offers a company match for employee contributions to the 401(k) plan, which helps employees maximize their retirement savings.
What is the vesting schedule for the GXO Logistics 401(k) company match?
The vesting schedule for the GXO Logistics 401(k) company match typically follows a graded vesting schedule, where employees earn ownership of the company match over a period of years.
Can I change my contribution percentage to the GXO Logistics 401(k) plan?
Yes, employees can change their contribution percentage to the GXO Logistics 401(k) plan at any time by submitting a request through the HR portal.
What types of investment options are available in the GXO Logistics 401(k) plan?
The GXO Logistics 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.
When can I start withdrawing funds from my GXO Logistics 401(k) account?
Employees can start withdrawing funds from their GXO Logistics 401(k) account without penalty after reaching the age of 59½, although there are specific rules regarding hardship withdrawals.
How does GXO Logistics handle loan provisions in the 401(k) plan?
The GXO Logistics 401(k) plan allows employees to take loans against their account balance, subject to certain limits and repayment terms.
Is there a minimum contribution requirement for the GXO Logistics 401(k) plan?
Yes, there is a minimum contribution requirement for the GXO Logistics 401(k) plan, which is typically set at a percentage of the employee's salary.
What happens to my GXO Logistics 401(k) account if I leave the company?
If you leave GXO Logistics, you can choose to roll over your 401(k) balance to another retirement account, cash out your balance (subject to taxes and penalties), or leave it in the GXO Logistics plan if you have a sufficient balance.
With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Pension Plan
Name of Pension Plan:
GXO Logistics does not appear to offer a traditional defined benefit pension plan. The company primarily provides a 401(k) plan for retirement savings.
Years of Service and Age Qualification:
Not applicable for a traditional pension plan as GXO Logistics does not provide one.
Pension Formula:
Not applicable as there is no traditional pension plan.
Source Document:
Information on the lack of a traditional pension plan is available in the company's annual report and benefits guide.
401(k) Plan
Name of 401(k) Plan:
GXO Logistics 401(k) Plan
Qualification Criteria:
Employees are generally eligible to participate in the 401(k) plan after 30 days of employment.
Eligibility details may vary based on employment status and job role.
401(k) Plan Details:
The company matches contributions up to a certain percentage of employee contributions.
Specific match rates and contribution limits are detailed in the plan documents.
GXO Logistics has been undergoing significant restructuring in 2023, focusing on optimizing its operations and expanding its technology-driven logistics solutions. The company announced a series of layoffs as part of its efforts to streamline operations and reduce costs. This restructuring move is aimed at enhancing operational efficiency and positioning the company for future growth in the evolving logistics market. As economic and investment conditions fluctuate, it's crucial to stay informed about such developments. Changes in company structure and workforce can have broader implications for the job market and investment landscape.
GXO Logistics
Stock Options: GXO Logistics typically offers stock options to executives and key employees as part of their compensation package. The specific terms of these options, including vesting schedules and exercise prices, are detailed in the company’s annual proxy statements and financial reports.
RSUs: GXO Logistics provides RSUs to a broader range of employees, including senior management and high-performing employees. The vesting of RSUs usually occurs over a period of several years, with the specific vesting conditions outlined in the company’s equity compensation plan.
Company Official Website
Healthcare Coverage: GXO Logistics offers a range of health benefits including medical, dental, and vision insurance. Plans often include options for Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs).
Terms and Acronyms:
HSA: Health Savings Account
FSA: Flexible Spending Account
HDHP: High Deductible Health Plan
EAP: Employee Assistance Program
LinkedIn
Healthcare Plans: Information on LinkedIn highlights that GXO provides comprehensive health plans that may include wellness programs and preventive care services.
Employee Feedback: Reviews mention that benefits are competitive, but the extent of coverage can vary depending on the employee's role and location.
Glassdoor
Benefits Details: Employees have reported that GXO offers a standard benefits package including medical, dental, and vision insurance, with some flexibility in choosing plans. There are also mentions of additional perks like wellness initiatives.
Recent Updates: No major changes to health benefits were noted in recent reviews.
Indeed
Healthcare Benefits: Similar to other sources, Indeed confirms GXO’s provision of health insurance options including HSAs and FSAs. Employee reviews often highlight the benefits package as a positive aspect of working for GXO.
Acronyms: Commonly used terms include PPO (Preferred Provider Organization) and EPO (Exclusive Provider Organization).
Company News Outlets
Recent Employee Healthcare News: GXO has been focusing on enhancing employee wellness programs. Recent news includes investments in mental health resources and expanding telemedicine options. No significant recent changes to core health benefits were reported.
For more information you can reach the plan administrator for GXO Logistics at , ; or by calling them at .
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