Table 2. Retirement benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2011
(All workers = 100 percent)
All retirement benefits3
Characteristics
Access
All workers .............................................................
Participation
Defined benefit
Take-up
rate
Access
Participation
Defined contribution
Take-up
rate
Access
Participation
Take-up
rate
68
55
80
30
28
92
54
37
69
83
86
82
86
74
78
72
81
88
91
88
94
45
41
47
74
42
38
43
69
93
93
93
93
62
73
58
33
47
60
42
20
75
81
73
61
95
83
47
74
71
66
73
65
90
69
31
62
55
44
61
53
96
83
66
84
78
67
84
81
89
39
18
53
24
13
30
31
85
36
17
51
21
10
27
30
96
93
94
95
88
77
91
97
25
69
35
37
61
61
62
52
12
49
17
20
43
39
46
37
51
71
50
54
71
64
74
71
63
68
67
67
66
50
57
52
53
51
80
83
78
79
77
30
31
27
24
30
30
30
25
23
27
98
96
94
95
92
47
56
54
61
47
33
41
37
43
31
69
73
68
71
65
Full time .................................................................
Part time ................................................................
78
38
65
22
84
58
35
13
33
10
94
82
62
29
45
13
72
46
Union .....................................................................
Nonunion ...............................................................
93
64
88
49
94
77
82
21
78
19
95
91
41
56
29
39
69
69
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
41
29
70
78
88
90
23
12
54
67
80
83
56
40
78
86
91
92
9
5
25
36
53
52
7
4
23
34
50
49
80
67
92
94
94
93
36
25
58
61
65
69
17
9
38
45
51
55
49
34
67
75
79
80
Goods-producing industries ...................................
73
61
83
29
27
96
66
49
75
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
67
79
87
91
88
73
90
90
54
67
82
86
80
56
78
86
80
85
93
95
91
77
87
95
30
45
73
86
55
25
51
84
28
42
68
82
46
23
46
80
92
92
93
95
84
91
92
95
52
51
34
22
63
63
74
32
35
34
22
10
48
43
53
18
68
66
63
46
75
68
71
58
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
Establishment characteristics
See footnotes at end of table.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2011—Continued
(All workers = 100 percent)
All retirement benefits3
Characteristics
Access
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Participation
Defined benefit
Take-up
rate
Access
Participation
Defined contribution
Take-up
rate
Access
Participation
Take-up
rate
51
46
64
84
79
89
36
33
44
72
62
81
71
72
69
85
79
91
12
9
18
46
30
62
10
9
16
43
27
58
90
92
87
93
92
93
45
42
55
62
64
60
29
28
34
44
45
43
65
66
63
71
70
72
63
70
70
70
69
71
67
68
65
53
58
57
58
52
56
52
53
53
83
83
82
83
76
80
78
78
82
29
34
34
29
27
32
25
25
31
27
31
31
26
25
30
24
23
29
94
92
91
88
91
94
95
93
95
49
52
57
55
58
51
54
55
49
36
38
39
41
37
34
36
38
35
74
72
67
75
63
67
67
69
72
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 Includes workers in the private nonfarm economy except those in private households,
and workers in the public sector, except the federal government. See Technical Note for
further explanation.
3 Includes defined benefit pension plans and defined contribution retirement plans.
Workers are considered as having access or as participating if they have access to or are
participating in at least one of these plan types.
4 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 4. Defined benefit retirement plans: Open and frozen plans,
civilian workers,1 National Compensation Survey, March 2011
(All workers participating in defined benefit plans = 100 percent)
Characteristics
All workers .............................................................
Open plans2
Frozen plans3
81
19
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
80
74
82
90
20
26
18
10
91
81
87
88
78
81
90
9
19
13
12
22
19
10
93
86
79
74
83
7
14
21
26
17
Full time .................................................................
Part time ................................................................
81
83
19
17
Union .....................................................................
Nonunion ...............................................................
86
78
14
22
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
77
70
83
83
80
76
23
30
17
17
20
24
Goods-producing industries ...................................
75
25
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
82
87
90
90
88
82
80
88
18
13
10
10
12
18
20
12
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 4. Defined benefit retirement plans: Open and frozen plans,
civilian workers,1 National Compensation Survey, March
2011—Continued
(All workers participating in defined benefit plans = 100 percent)
Open plans2
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Frozen plans3
84
87
81
81
78
82
16
13
19
19
22
18
72
80
75
83
86
86
81
83
86
28
20
25
17
14
14
19
17
14
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm
economy except those in private households, and
workers in the public sector, except the federal
government. See Technical Note for further
explanation.
2 Plans open to new participants.
3 Plans closed to new workers or plans that
cease accruals for some or all plan participants.
4 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,
civilian workers,2 National Compensation Survey, March 2011
(All workers participating in frozen defined benefit plans = 100 percent)
Retirement benefit accrual3
Characteristics
All workers .............................................................
All existing
participants
continue to
accrue
benefits
Some
existing
participants
continue to
accrue
benefits
No existing
participants
continue to
accrue
benefits
74
5
21
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
77
68
81
100
6
6
6
–
18
26
13
–
100
87
87
95
65
68
85
–
2
–
–
5
4
3
–
11
–
5
31
28
12
94
81
69
76
61
–
4
7
5
11
–
15
24
20
28
Full time .................................................................
Part time ................................................................
74
77
5
–
21
–
Union .....................................................................
Nonunion ...............................................................
92
65
3
6
5
28
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
70
56
70
72
78
76
–
–
5
6
6
6
–
–
26
22
17
18
Goods-producing industries ...................................
72
10
19
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
75
94
99
100
95
87
86
100
4
1
–
–
–
3
4
–
21
5
–
–
–
9
10
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,
civilian workers,2 National Compensation Survey, March
2011—Continued
(All workers participating in frozen defined benefit plans = 100 percent)
Retirement benefit accrual3
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
All existing
participants
continue to
accrue
benefits
Some
existing
participants
continue to
accrue
benefits
No existing
participants
continue to
accrue
benefits
58
49
69
77
77
77
4
5
1
5
4
6
38
46
29
18
20
17
73
80
74
70
65
70
78
59
82
2
3
–
–
4
–
3
–
6
25
18
–
–
30
–
19
–
12
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Plans closed to new workers or plans that
cease accruals for some or all plan participants.
2 Includes workers in the private nonfarm
economy except those in private households, and
workers in the public sector, except the federal
government. See Technical Note for further
explanation.
3 Benefit accruals are for existing participants
since the plan was closed to new workers or
stopped accruing benefits.
4 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are based
on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dash indicates no
workers in this category or data did not meet
publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,
civilian workers,2 National Compensation Survey, March 2011
(All workers participating in frozen defined benefit plans = 100 percent)
Time since plan closed to new workers or
stopped accruing benefits
Characteristics
1 year
All workers .............................................................
2 to 5 years
Greater than
5 years
7
45
48
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
8
5
10
14
11
11
–
5
7
8
43
50
40
10
39
21
–
50
49
56
49
45
51
76
50
67
82
44
43
37
13
5
3
4
2
44
61
54
63
42
43
33
43
32
55
Full time .................................................................
Part time ................................................................
7
9
45
42
48
49
Union .....................................................................
Nonunion ...............................................................
14
4
26
54
60
42
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
4
8
9
7
8
51
41
41
47
44
46
51
50
47
48
Goods-producing industries ...................................
4
58
39
Service-providing industries ..................................
Education and health services ...........................
Educational services:
Junior colleges, colleges, and universities ...
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
8
16
42
25
50
59
–
13
16
–
–
38
39
–
51
49
45
85
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,
civilian workers,2 National Compensation Survey, March
2011—Continued
(All workers participating in frozen defined benefit plans = 100 percent)
Time since plan closed to new workers or
stopped accruing benefits
Characteristics
1 year
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
2 to 5 years
Greater than
5 years
–
–
–
8
5
9
52
54
49
44
46
42
–
–
–
48
49
48
–
14
13
–
–
–
–
–
31
40
57
57
56
–
62
55
47
–
–
–
54
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Pacific ....................................................................
1 Plans closed to new workers or plans that
cease accruals for some or all plan participants.
2 Includes workers in the private nonfarm
economy except those in private households, and
workers in the public sector, except the federal
government. See Technical Note for further
explanation.
3 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are based
on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dash indicates no
workers in this category or data did not meet
publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, civilian workers,2 National
Compensation Survey, March 2011
(All workers participating in frozen defined benefit plans = 100 percent)
Alternatives for employees in frozen plans3
Characteristics
All workers .............................................................
No
alternative to
frozen plans
Alternatives
to frozen
plans
New defined
available
benefit plan
Enhanced
existing
New defined
defined
contribution
contribution
plan
plan
Other
9
91
35
26
36
1
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers:
Primary, secondary, and special education
school teachers .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
6
8
5
94
92
95
41
30
47
27
36
23
33
31
35
1
–
1
–
5
4
16
18
10
8
12
100
95
96
84
82
90
92
88
100
52
75
23
29
24
23
25
–
19
7
31
26
19
21
–
23
33
18
35
34
51
50
52
–
–
–
(4)
(4)
–
–
–
Full time .................................................................
Part time ................................................................
8
20
92
80
36
29
27
19
36
41
1
–
Union .....................................................................
Nonunion ...............................................................
3
11
97
89
67
21
9
34
34
37
–
1
Average wage within the following categories:5
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
23
12
8
5
5
77
88
92
95
95
15
31
35
41
40
27
21
25
28
33
39
44
39
31
28
–
(4)
–
–
–
Goods-producing industries ...................................
5
95
22
27
49
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
10
4
2
–
6
8
–
90
96
98
100
94
92
100
39
60
93
98
20
20
82
26
12
2
–
23
28
10
33
40
23
26
61
56
–
1
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, civilian workers,2 National
Compensation Survey, March 2011—Continued
(All workers participating in frozen defined benefit plans = 100 percent)
Alternatives for employees in frozen plans3
Characteristics
1 to 99 workers ......................................................
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
No
alternative to
frozen plans
Alternatives
to frozen
plans
New defined
available
benefit plan
Enhanced
existing
New defined
defined
contribution
contribution
plan
plan
Other
5
6
9
15
7
95
94
91
85
93
28
24
37
28
41
40
47
24
20
26
31
25
37
41
35
–
–
–
–
(4)
9
9
9
12
4
91
91
91
88
96
45
48
37
17
52
30
27
14
34
26
17
17
52
39
39
–
–
(4)
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
Pacific ....................................................................
1 Plans closed to new workers or plans that cease accruals for some
or all plan participants.
2 Includes workers in the private nonfarm economy except those in
private households, and workers in the public sector, except the federal
government. See Technical Note for further explanation.
3 The sum of the individual components may be greater than the total
because some employers offer more than one alternative.
4 Less than 0.5 percent.
5 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms,
see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 8. Defined contribution retirement plans: Selected attributes, civilian
workers,1 National Compensation Survey, March 2011
(All workers participating in defined contribution plans = 100 percent)
Employee contribution
Characteristics
Required
All workers .............................................................
Not required
Employee contribution
option
Pretax
Not pretax
62
38
78
22
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
66
69
65
56
34
31
35
44
83
85
82
78
17
15
18
22
47
65
62
68
55
46
60
63
53
35
38
32
45
54
40
37
70
82
83
79
70
55
78
81
30
18
17
21
30
45
22
19
55
69
66
67
65
45
31
34
33
35
78
83
81
82
80
22
17
19
18
20
Full time .................................................................
Part time ................................................................
63
55
37
45
79
70
21
30
Union .....................................................................
Nonunion ...............................................................
57
62
43
38
78
78
22
22
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
56
63
57
65
66
66
44
37
43
35
34
34
70
81
72
82
84
84
30
19
28
18
16
16
Goods-producing industries ...................................
66
34
82
18
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
61
58
55
46
59
60
66
57
39
42
45
54
41
40
34
43
77
80
75
70
77
82
81
81
23
20
25
30
23
18
19
19
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 8. Defined contribution retirement plans: Selected attributes, civilian
workers,1 National Compensation Survey, March 2011—Continued
(All workers participating in defined contribution plans = 100 percent)
Employee contribution
Characteristics
Required
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Not required
Employee contribution
option
Pretax
Not pretax
64
63
65
61
58
64
36
37
35
39
42
36
83
84
82
76
71
81
17
16
18
24
29
19
65
60
58
64
60
64
65
63
65
35
40
42
36
40
36
35
37
35
81
81
76
79
76
75
76
82
81
19
19
24
21
24
25
24
18
19
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes workers in the private nonfarm economy
except those in private households, and workers in the
public sector, except the federal government. See
Technical Note for further explanation.
2 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note
for more details.
NOTE: Because of rounding, sums of individual items may
not equal totals. For definitions of major plans, key
provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 1. Establishments offering retirement and health care benefits: private
industry workers, National Compensation Survey, March 2011
(All establishments = 100 percent)
Retirement benefits
Characteristics
All plans1
All establishments ..................................................
Defined
benefit
Defined
contribution
Health care
benefits
45
10
43
61
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
42
32
55
8
8
8
40
30
54
61
50
76
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
45
50
56
48
48
90
72
65
73
86
58
49
43
45
34
52
49
92
53
20
20
28
10
9
6
8
19
66
31
26
33
46
22
–
5
–
–
8
–
13
–
–
–
–
44
49
55
46
45
89
72
63
72
85
58
45
41
44
32
51
47
92
51
20
20
26
61
67
78
62
66
94
82
76
82
92
65
62
59
64
46
65
63
95
65
40
37
43
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
43
42
75
79
77
93
9
8
17
28
25
48
42
40
73
76
74
90
59
58
85
92
91
96
Establishment characteristics
See footnotes at end of table.
Table 1. Establishments offering retirement and health care benefits: private
industry workers, National Compensation Survey, March 2011—Continued
(All establishments = 100 percent)
Retirement benefits
Characteristics
All plans1
Defined
benefit
Defined
contribution
Health care
benefits
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes defined benefit pension plans and defined
contribution retirement plans. The total is less than the
sum of the individual items because some employers
offered both types of plans.
32
45
43
49
49
44
46
48
43
7
12
11
9
9
10
–
10
9
31
42
42
48
48
42
46
45
41
44
62
58
59
60
65
61
65
69
NOTE: Dash indicates no establishments in this category
or data did not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2011
(All workers = 100 percent)
All retirement benefits2
Characteristics
Access
All workers .............................................................
Participation
Defined benefit
Take-up
rate
Access
Participation
Defined contribution
Take-up
rate
Access
Participation
Take-up
rate
64
49
76
20
18
91
58
41
70
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
80
84
78
40
49
69
66
71
62
68
75
65
22
24
52
44
58
49
85
90
83
56
50
76
66
81
79
27
33
25
8
8
18
12
22
24
25
30
23
7
6
15
9
20
24
92
92
92
93
75
86
76
89
98
75
81
73
36
46
64
61
66
54
60
67
56
18
22
46
39
50
39
79
83
77
49
48
71
64
75
72
59
66
66
67
65
45
53
51
53
49
76
82
77
79
76
23
26
24
23
26
22
25
23
22
24
99
96
93
95
91
50
58
55
61
49
35
43
38
43
32
70
74
68
71
65
Full time .................................................................
Part time ................................................................
73
37
59
20
80
54
23
10
22
8
93
79
68
31
50
14
74
46
Union .....................................................................
Nonunion ...............................................................
90
61
83
45
93
74
70
14
67
13
96
89
53
59
42
41
79
69
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
39
28
66
74
84
87
19
10
48
61
75
79
50
35
73
83
89
90
7
5
15
24
37
38
5
3
14
22
35
35
72
61
91
93
94
93
35
25
61
66
77
82
16
8
41
50
63
69
46
31
67
76
81
84
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
73
58
78
60
45
66
83
77
84
28
16
32
27
16
30
96
100
95
66
50
72
50
37
54
75
73
76
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
62
71
72
69
76
95
47
52
58
44
63
93
75
73
81
65
83
98
18
20
16
14
36
82
16
17
15
10
33
81
90
85
97
71
93
98
57
61
69
59
52
92
39
41
51
37
38
75
69
68
75
62
73
82
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2011—Continued
(All workers = 100 percent)
All retirement benefits2
Characteristics
Access
Participation
Defined benefit
Take-up
rate
Access
Participation
Defined contribution
Take-up
rate
Access
Participation
Take-up
rate
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
85
81
90
92
87
49
57
72
35
71
73
90
71
31
29
41
76
72
83
85
80
35
45
59
23
55
63
79
54
12
10
28
89
89
92
92
91
71
80
83
66
77
86
88
76
40
36
68
44
42
52
55
48
9
12
10
7
20
16
16
21
3
3
10
41
39
47
51
45
8
11
9
6
18
14
13
19
2
2
9
92
92
92
92
94
96
95
98
96
91
86
80
91
86
89
96
82
79
88
90
86
46
55
71
33
64
67
88
64
29
27
35
66
62
71
70
72
30
42
56
20
45
57
77
43
10
9
21
80
80
82
78
84
66
76
79
62
70
84
87
68
36
31
59
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
49
45
62
81
77
86
34
32
41
66
59
76
69
70
66
82
76
88
9
8
14
32
22
46
8
7
11
29
20
43
88
91
83
92
90
94
46
42
57
73
69
77
30
28
35
54
49
60
65
66
62
74
71
77
60
66
68
66
64
65
63
65
60
48
53
53
53
46
47
45
48
46
80
80
79
80
72
73
72
74
77
20
25
26
20
15
18
15
15
20
18
23
23
18
14
16
13
13
18
92
93
90
91
90
91
92
90
92
55
57
60
59
61
58
60
61
53
41
42
42
45
40
39
40
42
38
74
74
71
75
66
67
67
69
71
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 Includes defined benefit pension plans and defined contribution retirement plans.
Workers are considered as having access or as participating if they have access to or are
participating in at least one of these plan types.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 4. Defined benefit retirement plans: Open and frozen plans,
private industry workers, National Compensation Survey, March
2011
(All workers participating in defined benefit plans = 100 percent)
Characteristics
All workers .............................................................
Open plans1
Frozen plans2
75
25
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
69
68
70
84
57
72
62
75
90
31
32
30
16
43
28
38
25
10
95
85
78
73
82
5
15
22
27
18
Full time .................................................................
Part time ................................................................
75
81
25
19
Union .....................................................................
Nonunion ...............................................................
89
68
11
32
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
70
63
75
80
74
68
30
37
25
20
26
32
Goods-producing industries ...................................
Manufacturing ....................................................
74
68
26
32
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
76
75
70
64
89
82
24
25
30
36
11
18
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 4. Defined benefit retirement plans: Open and frozen plans,
private industry workers, National Compensation Survey, March
2011—Continued
(All workers participating in defined benefit plans = 100 percent)
Open plans1
Characteristics
Frozen plans2
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
66
72
72
72
81
70
58
82
89
78
82
34
28
28
28
19
30
42
18
11
22
18
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
83
85
79
73
73
73
17
15
21
27
27
27
70
84
70
81
73
66
66
83
30
16
30
19
27
34
34
17
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Pacific ....................................................................
1 Plans open to new participants.
2 Plans closed to new workers or plans that
the United States, 2010." See Technical Note for
more details.
cease accruals for some or all plan participants.
3 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,
private industry workers, National Compensation Survey, March 2011
(All workers participating in frozen defined benefit plans = 100 percent)
Retirement benefit accrual2
Characteristics
All workers .............................................................
All existing
participants
continue to
accrue
benefits
Some
existing
participants
continue to
accrue
benefits
No existing
participants
continue to
accrue
benefits
64
7
28
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
65
61
68
70
70
58
61
80
9
7
–
–
–
6
5
4
26
32
–
–
30
36
35
16
88
78
66
75
54
–
5
8
5
12
–
18
26
20
33
Full time .................................................................
Part time ................................................................
64
70
8
–
28
–
Union .....................................................................
Nonunion ...............................................................
80
61
–
7
–
31
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
64
–
62
60
68
66
–
–
5
8
8
8
–
51
33
33
24
25
Goods-producing industries ...................................
Manufacturing ....................................................
71
73
10
10
19
17
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Utilities ...........................................................
62
74
81
72
98
6
–
–
–
–
32
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,
private industry workers, National Compensation Survey, March
2011—Continued
(All workers participating in frozen defined benefit plans = 100 percent)
Retirement benefit accrual2
Characteristics
All existing
participants
continue to
accrue
benefits
Some
existing
participants
continue to
accrue
benefits
No existing
participants
continue to
accrue
benefits
Information .........................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ....
Professional and business services ..................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
63
–
–
55
63
85
75
75
86
11
–
4
–
–
4
34
–
11
–
–
10
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
49
42
59
68
71
66
4
6
–
8
5
10
47
52
–
25
25
25
56
59
67
54
62
70
74
70
3
5
–
–
5
–
4
–
41
36
–
–
33
–
22
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Pacific ....................................................................
1 Plans closed to new workers or plans that
cease accruals for some or all plan participants.
2 Benefit accruals are for existing participants
since the plan was closed to new workers or
stopped accruing benefits.
3 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are based
on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dash indicates no
workers in this category or data did not meet
publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,
private industry workers, National Compensation Survey, March 2011
(All workers participating in frozen defined benefit plans = 100 percent)
Time since plan closed to new workers or
stopped accruing benefits
Characteristics
1 year
All workers .............................................................
2 to 5 years
Greater than
5 years
4
58
38
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
4
2
5
7
3
5
–
60
59
60
39
57
59
71
36
39
34
54
39
37
–
–
–
–
4
–
73
70
57
65
48
–
–
–
32
52
Full time .................................................................
Part time ................................................................
4
6
58
53
38
41
Union .....................................................................
Nonunion ...............................................................
7
3
61
57
32
40
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
5
5
3
2
59
50
55
62
63
–
45
41
34
35
Goods-producing industries ...................................
Manufacturing ....................................................
–
–
58
58
–
–
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Transportation and warehousing ...................
4
–
–
–
58
57
75
–
38
43
25
84
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,
private industry workers, National Compensation Survey, March
2011—Continued
(All workers participating in frozen defined benefit plans = 100 percent)
Time since plan closed to new workers or
stopped accruing benefits
Characteristics
1 year
2 to 5 years
Greater than
5 years
Information .........................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ....
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
–
63
–
–
–
–
–
–
52
46
73
73
–
–
–
–
–
45
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
4
3
5
58
57
60
58
57
58
–
–
–
38
40
36
–
5
–
–
–
–
–
55
59
52
52
59
56
67
–
36
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
1 Plans closed to new workers or plans that
cease accruals for some or all plan participants.
2 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are based
on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dash indicates no
workers in this category or data did not meet
publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, private industry workers,
National Compensation Survey, March 2011
(All workers participating in frozen defined benefit plans = 100 percent)
Alternatives for employees in frozen plans2
Characteristics
All workers .............................................................
No
alternative to
frozen plans
Alternatives
to frozen
plans
New defined
available
benefit plan
Enhanced
existing
New defined
defined
contribution
contribution
plan
plan
Other
12
88
15
33
41
1
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
9
10
9
11
19
10
22
11
9
14
91
90
91
89
81
90
78
89
91
86
15
17
14
6
13
3
17
18
22
–
38
42
35
–
35
47
30
20
21
–
39
32
44
54
35
40
32
54
51
58
2
–
–
–
(3)
–
(3)
–
–
–
Full time .................................................................
Part time ................................................................
11
26
89
74
16
6
34
25
41
49
1
–
Union .....................................................................
Nonunion ...............................................................
9
13
91
87
33
12
9
38
52
39
–
1
Average wage within the following categories:4
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
30
15
13
7
7
70
85
87
93
93
2
11
13
20
16
29
28
30
37
45
40
48
47
36
32
–
–
–
1
–
Goods-producing industries ...................................
Manufacturing ....................................................
5
5
95
95
21
20
28
27
49
49
–
–
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Retail trade ....................................................
Utilities ...........................................................
15
22
32
27
85
78
68
73
13
13
–
45
35
27
27
–
39
41
42
–
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, private industry workers,
National Compensation Survey, March 2011—Continued
(All workers participating in frozen defined benefit plans = 100 percent)
Alternatives for employees in frozen plans2
Characteristics
No
alternative to
frozen plans
Alternatives
to frozen
plans
New defined
available
benefit plan
Enhanced
existing
New defined
defined
contribution
contribution
plan
plan
Other
Financial activities:
Finance and insurance:
Insurance carriers and related activities ......
Education and health services:
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
15
85
31
34
21
–
49
49
7
51
51
93
–
–
6
–
–
21
39
40
74
–
–
–
1 to 99 workers ......................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
6
13
19
10
94
87
81
90
14
15
12
17
49
30
24
34
31
44
46
42
–
–
–
(3)
18
11
14
6
82
89
86
94
17
21
9
–
34
17
37
43
32
54
39
31
–
(3)
–
–
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
Pacific ....................................................................
1 Plans closed to new workers or plans that cease accruals for some
or all plan participants.
2 The sum of the individual components may be greater than the total
because some employers offer more than one alternative.
3 Less than 0.5 percent.
4 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dash indicates no workers in this category or data did not meet publication
criteria. For definitions of major plans, key provisions, and related terms,
see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 8. Defined contribution retirement plans: Selected attributes, private
industry workers, National Compensation Survey, March 2011
(All workers participating in defined contribution plans = 100 percent)
Employee contribution
Characteristics
Required
All workers .............................................................
Not required
Employee contribution
option
Pretax
Not pretax
62
38
78
22
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
67
69
66
63
76
55
46
60
63
33
31
34
37
24
45
54
40
37
84
85
84
84
83
69
55
78
81
16
15
16
16
17
31
45
22
19
55
69
66
67
66
45
31
34
33
34
79
83
81
82
80
21
17
19
18
20
Full time .................................................................
Part time ................................................................
63
55
37
45
79
70
21
30
Union .....................................................................
Nonunion ...............................................................
60
62
40
38
81
78
19
22
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
56
69
55
65
67
67
44
31
45
35
33
33
70
83
71
82
84
85
30
17
29
18
16
15
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
66
56
69
34
44
31
82
77
84
18
23
16
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
61
52
66
42
61
87
39
48
34
58
39
13
78
63
83
49
76
93
22
37
17
51
24
7
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 8. Defined contribution retirement plans: Selected attributes, private
industry workers, National Compensation Survey, March 2011—Continued
(All workers participating in defined contribution plans = 100 percent)
Employee contribution
Characteristics
Required
Not required
Employee contribution
option
Pretax
Not pretax
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
77
69
69
65
78
70
66
66
65
59
58
59
60
74
79
64
23
31
31
35
22
30
34
34
35
41
42
41
40
26
21
36
88
85
86
87
87
80
86
84
–
82
82
82
82
86
89
–
12
15
14
13
13
20
14
16
–
18
18
18
18
14
11
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
64
63
66
61
57
66
36
37
34
39
43
34
83
83
81
76
70
82
17
17
19
24
30
18
64
60
59
63
61
64
63
63
68
36
40
41
37
39
36
37
37
32
80
81
76
78
77
74
74
83
83
20
19
24
22
23
26
26
17
17
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note
for more details.
NOTE: Because of rounding, sums of individual items may
not equal totals. Dash indicates no workers in this
category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2011
(All workers = 100 percent)
All retirement benefits2
Characteristics
Access
All workers .............................................................
Participation
Defined benefit
Take-up
rate
Access
Participation
Defined contribution
Take-up
rate
Access
Participation
Take-up
rate
90
85
95
84
78
94
30
17
56
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
92
92
91
87
87
86
95
95
95
87
87
88
81
81
82
93
93
93
31
29
27
17
16
13
54
53
48
99
84
91
90
92
94
87
95
79
87
86
87
90
84
96
95
96
95
95
96
96
99
76
84
81
83
87
79
94
73
81
76
78
84
76
96
95
97
94
94
96
97
21
27
31
33
33
33
23
8
16
19
20
19
18
13
40
58
60
60
59
55
58
Full time .................................................................
Part time ................................................................
99
41
94
37
95
91
92
38
87
34
94
91
34
10
19
5
56
50
Union .....................................................................
Nonunion ...............................................................
97
84
92
79
95
95
95
74
90
69
94
94
28
32
13
20
47
62
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
74
60
94
95
98
97
70
56
89
91
93
92
94
94
95
96
95
94
66
51
87
89
94
92
62
48
81
84
88
85
94
94
93
95
94
92
27
21
32
31
31
35
15
12
18
18
17
18
56
57
56
57
55
51
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
90
91
91
92
86
93
95
90
85
86
87
88
80
86
86
86
95
95
95
96
93
92
90
95
83
86
88
91
77
70
69
84
78
80
82
87
66
63
60
80
94
93
93
95
85
90
88
95
30
29
26
19
48
54
59
32
17
16
12
7
30
38
41
18
56
53
48
37
63
70
70
58
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
78
73
87
91
87
93
75
70
84
87
84
88
96
95
97
95
96
95
67
59
80
86
80
88
64
56
77
81
76
82
95
94
97
94
95
93
27
27
27
31
27
32
19
18
20
17
15
17
70
67
74
54
57
53
Establishment characteristics
See footnotes at end of table.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2011—Continued
(All workers = 100 percent)
All retirement benefits2
Characteristics
Access
State government ..................................................
Local government ..................................................
Participation
Defined benefit
Take-up
rate
Access
Participation
Defined contribution
Take-up
rate
Access
Participation
Take-up
rate
93
89
87
85
94
95
87
83
78
79
90
95
43
26
26
14
60
53
84
92
85
89
91
92
90
89
92
81
85
81
81
85
89
87
86
90
97
92
95
91
93
96
98
97
98
80
88
80
77
88
83
77
83
88
78
80
75
65
80
80
75
81
86
97
90
95
84
91
97
98
97
98
–
19
43
32
45
25
25
21
25
–
10
15
–
19
17
18
14
22
–
52
36
–
41
68
72
69
87
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.
2 Includes defined benefit pension plans and defined contribution retirement plans.
Workers are considered as having access or as participating if they have access to or are
participating in at least one of these plan types.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
NOTE: Dash indicates no workers in this category or data did not meet publication criteria.
For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 3. Defined benefit retirement plans: Employee contribution requirement and method
of contribution, State and local government workers, National Compensation Survey,
March 2011
(All workers participating in defined benefit plans = 100 percent)
Fixed percent of annual earnings1
Characteristics
All workers .............................................................
Employee
contribution
required
Mean fixed
percent of
annual
earnings
Total
Employee
Median fixed
contribution
percent of
not required
annual
earnings
79
72
6.5
6.4
21
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
79
81
82
73
74
76
6.5
6.6
6.8
6.4
6.4
6.4
21
19
18
82
78
75
77
77
76
80
77
73
70
71
71
73
74
6.8
6.8
7.2
6.2
6.2
5.9
6.3
6.4
6.5
7.3
6.0
6.0
6.0
6.0
18
22
25
23
23
24
20
Full time .................................................................
Part time ................................................................
78
86
72
76
6.4
6.7
6.4
7.0
22
14
Union .....................................................................
Nonunion ...............................................................
79
78
70
75
6.4
6.5
6.5
6.4
21
22
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
77
78
79
75
83
85
73
75
72
69
75
75
6.5
6.7
6.3
6.4
6.6
6.8
6.4
6.4
6.0
6.3
6.4
7.3
23
22
21
25
17
15
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
79
81
83
83
82
70
65
74
72
74
76
77
71
63
61
68
6.5
6.6
6.6
6.6
6.7
6.0
5.9
6.3
6.4
6.4
6.4
6.4
6.4
5.5
6.0
6.0
21
19
17
17
18
30
35
26
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
80
85
73
79
79
79
75
82
66
72
72
72
6.0
5.9
6.2
6.5
6.6
6.5
6.0
6.0
6.0
6.4
6.4
6.4
20
15
27
21
21
21
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 3. Defined benefit retirement plans: Employee contribution requirement and method
of contribution, State and local government workers, National Compensation Survey,
March 2011—Continued
(All workers participating in defined benefit plans = 100 percent)
Fixed percent of annual earnings1
Characteristics
Employee
contribution
required
State government ..................................................
Local government ..................................................
Mean fixed
percent of
annual
earnings
Total
Employee
Median fixed
contribution
percent of
not required
annual
earnings
77
79
66
75
6.1
6.6
6.0
6.4
23
21
99
93
68
94
58
90
78
62
92
60
94
57
90
59
6.3
5.2
7.8
5.9
5.6
6.9
6.7
5.5
5.5
9.4
4.8
6.0
–
7.0
1
7
32
6
42
10
22
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
Pacific ....................................................................
1 The employee contributes a fixed percentage of his or her
earnings to the retirement plan.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2010." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 4. Defined benefit retirement plans: Open and frozen plans,
State and local government workers, National Compensation Survey,
March 2011
(All workers participating in defined benefit plans = 100 percent)
Characteristics
All workers .............................................................
Open plans1
Frozen plans2
89
11
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
88
89
90
12
11
10
90
88
89
90
90
90
87
10
12
11
10
10
10
13
Full time .................................................................
Part time ................................................................
89
87
11
13
Union .....................................................................
Nonunion ...............................................................
84
93
16
7
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
91
92
88
89
87
85
9
8
12
11
13
15
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
89
89
90
90
89
82
82
88
11
11
10
10
11
18
18
12
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
89
93
86
88
87
89
11
7
14
12
13
11
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 4. Defined benefit retirement plans: Open and frozen plans,
State and local government workers, National Compensation Survey,
March 2011—Continued
(All workers participating in defined benefit plans = 100 percent)
Open plans1
Characteristics
State government ..................................................
Local government ..................................................
Frozen plans2
85
90
15
10
74
74
83
97
94
88
26
26
17
3
6
12
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 Plans open to new participants.
2 Plans closed to new workers or plans that
the United States, 2010." See Technical Note for
more details.
cease accruals for some or all plan participants.
3 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in
NOTE: Because of rounding, sums of individual
items may not equal totals. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,
State and local government workers, National Compensation Survey,
March 2011
(All workers participating in frozen defined benefit plans = 100 percent)
Retirement benefit accrual2
Characteristics
All workers .............................................................
All existing
participants
continue to
accrue
benefits
Some
existing
participants
continue to
accrue
benefits
No existing
participants
continue to
accrue
benefits
99
–
–
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
99
99
100
–
–
–
–
1
–
100
99
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
99
100
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
100
97
–
–
–
3
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
98
95
98
99
100
100
–
–
–
–
–
–
–
–
–
–
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
99
99
100
100
100
92
95
100
–
–
–
–
–
–
–
–
–
1
–
–
–
8
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
99
98
99
–
–
–
–
–
–
–
–
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,
State and local government workers, National Compensation Survey,
March 2011—Continued
(All workers participating in frozen defined benefit plans = 100 percent)
Retirement benefit accrual2
Characteristics
State government ..................................................
Local government ..................................................
All existing
participants
continue to
accrue
benefits
Some
existing
participants
continue to
accrue
benefits
No existing
participants
continue to
accrue
benefits
100
99
–
–
–
–
99
100
100
92
98
100
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 Plans closed to new workers or plans that
cease accruals for some or all plan participants.
2 Benefit accruals are for existing participants
since the plan was closed to new workers or
stopped accruing benefits.
3 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are based
on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dash indicates no
workers in this category or data did not meet
publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,
State and local government workers, National Compensation Survey,
March 2011
(All workers participating in frozen defined benefit plans = 100 percent)
Time since plan closed to new workers or
stopped accruing benefits
Characteristics
1 year
All workers .............................................................
2 to 5 years
Greater than
5 years
–
–
74
Worker characteristics
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
–
–
14
–
–
8
74
74
78
13
–
–
17
18
–
–
9
–
–
9
9
–
–
77
77
89
74
73
63
70
Full time .................................................................
Part time ................................................................
–
–
–
–
74
72
Union .....................................................................
Nonunion ...............................................................
18
–
4
–
77
65
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
–
–
–
16
21
–
–
–
–
4
3
66
56
68
76
80
76
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
74
68
69
72
57
65
66
85
1 to 99 workers ......................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
17
–
–
–
–
9
–
–
70
75
74
80
72
Establishment characteristics
See footnotes at end of table.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,
State and local government workers, National Compensation Survey,
March 2011—Continued
(All workers participating in frozen defined benefit plans = 100 percent)
Time since plan closed to new workers or
stopped accruing benefits
Characteristics
1 year
State government ..................................................
Local government ..................................................
2 to 5 years
Greater than
5 years
–
12
–
8
61
80
–
23
–
–
–
–
–
2
–
34
–
–
100
75
54
66
98
92
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 Plans closed to new workers or plans that
cease accruals for some or all plan participants.
2 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are based
on the estimates published in the "National
Compensation Survey: Occupational Earnings in
the United States, 2010." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dash indicates no
workers in this category or data did not meet
publication criteria. For definitions of major plans,
key provisions, and related terms, see the "Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, State and
local government workers, National Compensation Survey, March 2011
(All workers participating in frozen defined benefit plans = 100 percent)
Alternatives for employees in frozen
plans2
Characteristics
All workers .............................................................
Alternatives
to frozen
plans
New defined
available
benefit plan
Enhanced
existing
New defined
defined
contribution
contribution
plan
plan
100
89
7
22
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
100
100
100
92
93
100
6
5
–
22
22
22
100
100
100
100
100
100
100
100
85
87
82
81
81
90
–
8
3
9
9
16
–
23
18
–
37
39
–
15
Full time .................................................................
Part time ................................................................
100
100
88
98
8
–
23
19
Union .....................................................................
Nonunion ...............................................................
100
100
88
91
9
4
23
20
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
100
100
100
100
100
100
90
81
86
80
95
97
5
9
10
13
4
–
31
32
23
19
20
18
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
100
100
100
100
100
100
100
100
89
92
97
98
92
70
70
82
8
6
2
–
–
29
30
10
22
21
22
26
–
–
7
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
90
82
95
88
87
89
–
–
–
8
–
9
–
–
–
21
25
20
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, State and
local government workers, National Compensation Survey, March
2011—Continued
(All workers participating in frozen defined benefit plans = 100 percent)
Alternatives for employees in frozen
plans2
Characteristics
State government ..................................................
Local government ..................................................
Alternatives
to frozen
plans
New defined
available
benefit plan
Enhanced
existing
New defined
defined
contribution
contribution
plan
plan
100
100
77
95
18
2
–
21
100
100
100
100
100
100
98
78
93
77
90
99
–
21
–
–
–
–
–
–
44
32
–
51
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 Plans closed to new workers or plans that cease
accruals for some or all plan participants.
2 The sum of the individual components may be
greater than the total because some employers offer more
than one alternative.
3 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note
for more details.
NOTE: Dash indicates no workers in this category or data
did not meet publication criteria. For definitions of major
plans, key provisions, and related terms, see the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 8. Defined contribution retirement plans: Selected attributes, State and
local government workers, National Compensation Survey, March 2011
(All workers participating in defined contribution plans = 100 percent)
Employee contribution
Characteristics
Required
All workers .............................................................
Not required
Employee contribution
option
Pretax
Not pretax
57
43
77
23
Management, professional, and related ................
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Production, transportation, and material moving ...
55
55
52
45
45
48
75
73
72
25
27
28
37
58
62
62
61
60
59
63
42
38
38
39
40
41
63
75
76
85
85
72
–
37
25
24
15
15
28
–
Full time .................................................................
Part time ................................................................
57
63
43
37
77
73
23
27
Union .....................................................................
Nonunion ...............................................................
46
63
54
37
66
82
34
18
Average wage within the following categories:1
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
61
62
57
54
56
64
39
38
43
46
44
36
82
83
78
71
75
75
18
17
22
29
25
25
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
57
54
52
41
60
60
64
57
43
46
48
59
40
40
36
43
77
71
67
64
69
81
80
81
23
29
33
36
31
19
20
19
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
60
73
41
56
62
55
40
27
59
44
38
45
–
–
–
74
90
69
–
–
–
26
10
31
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 8. Defined contribution retirement plans: Selected attributes, State and
local government workers, National Compensation Survey, March
2011—Continued
(All workers participating in defined contribution plans = 100 percent)
Employee contribution
Characteristics
Required
State government ..................................................
Local government ..................................................
Not required
Employee contribution
option
Pretax
Not pretax
54
59
46
41
71
80
29
20
71
46
47
65
–
52
36
29
54
53
35
–
48
64
78
81
67
–
92
–
66
22
19
33
–
8
–
34
Geographic areas
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note
for more details.
NOTE: Because of rounding, sums of individual items may
not equal totals. Dash indicates no workers in this
category or data did not meet publication criteria. For
definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20102011.htm.