AJ’s Super Pawn

AJ's Super Pawn operates as a full-service pawn shop in Chino, CA, providing collateral-based pawn loans, sales of preowned luxury goods, jewelry, and electronics, and a structured layaway program. The business generates revenue primarily from loan interest and fees, retail markup on merchandise, and layaway service charges, positioning itself as the largest pawn shop in the Inland Empire with over 40 years of community presence. With an estimated workforce of 20-50 employees, the shop serves a local market of individuals needing short-term cash and budget-conscious shoppers seeking discounted goods. This scale and longevity make AJ's Super Pawn a strong candidate for the Employee Benefits Program, which could yield annual savings of approximately $23,800 to $59,500 (based on 20-50 employees × $1,190 per employee). The owner/operations manager, likely AJ, makes benefits decisions and would be motivated by the program’s direct cost reduction, improved employee retention in a competitive labor market, and the ability to offer a more attractive benefits package that counters the high-interest payday loan alternatives many employees might otherwise consider. Implementing EBP would also enhance the shop’s reputation as an employer that invests in its staff, supporting its long-standing community-focused brand.