Table 2. Retirement benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2010
(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
69
55
80
31
28
92
54
37
69
83
86
82
86
74
78
73
81
89
90
88
95
46
43
47
73
43
40
44
69
93
93
93
94
61
74
56
31
46
59
42
20
76
81
74
64
92
82
49
75
71
66
74
67
89
69
32
63
56
43
63
55
96
85
66
84
78
66
84
81
86
38
19
55
25
14
31
32
83
35
18
51
22
10
28
31
97
94
94
94
86
71
91
97
21
66
36
38
62
61
62
54
12
48
18
20
44
39
47
38
59
72
50
53
71
64
75
70
65
70
67
66
68
50
59
52
52
53
78
84
78
80
77
31
33
28
25
30
31
32
26
24
28
98
97
94
96
93
48
59
54
58
50
32
44
37
41
32
66
74
68
71
65
Full time .................................................................
Part time ................................................................
78
39
65
23
84
58
36
14
34
11
94
80
61
30
45
14
72
47
Union .....................................................................
Nonunion ...............................................................
92
65
87
49
94
77
82
21
78
19
96
90
41
57
29
39
71
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 ........................................
43
31
70
80
88
90
24
12
54
68
81
83
56
39
78
86
92
92
10
5
26
37
54
54
8
3
23
35
51
50
77
61
91
94
95
94
37
28
57
62
64
67
18
9
38
46
51
54
49
34
67
75
79
80
Goods-producing industries ...................................
73
60
83
30
28
95
65
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 .........................................
68
78
87
90
87
72
89
90
55
67
82
87
79
56
78
86
80
85
94
96
91
78
87
96
31
46
74
85
56
25
50
84
28
43
69
82
47
23
47
80
92
93
93
96
84
92
93
96
52
49
32
20
62
62
71
32
36
33
21
11
46
42
51
18
68
68
66
54
75
68
71
57
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 2010—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
52
48
65
84
79
88
37
34
46
72
63
80
70
71
70
86
80
91
12
10
19
47
31
63
11
9
17
44
28
59
90
92
87
93
90
94
46
43
56
61
64
58
30
28
36
44
46
42
65
65
65
72
71
73
67
72
69
72
70
68
66
70
66
55
60
56
58
54
54
52
55
54
83
84
81
81
76
79
78
79
82
31
36
33
29
29
31
26
27
32
29
33
30
26
26
29
24
25
31
94
91
91
88
90
93
95
96
95
51
53
55
58
60
49
53
56
49
37
39
38
42
38
33
36
38
36
74
74
68
73
63
68
68
68
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
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, 2009." 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/glossary20092010.htm.
Table 4. Defined benefit retirement plans: Open and frozen plans,
civilian workers,1 National Compensation Survey, March 2010
(All workers participating in defined benefit plans = 100 percent)
Characteristics
All workers .............................................................
Open plans2
Frozen plans3
84
16
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 ..................
84
78
85
91
16
22
15
9
92
85
89
90
81
68
84
91
8
15
11
10
19
32
16
9
95
86
80
73
86
5
14
20
27
14
Full time .................................................................
Part time ................................................................
84
87
16
13
Union .....................................................................
Nonunion ...............................................................
87
81
13
19
Average wage within the following categories:4
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
80
86
86
83
80
20
14
14
17
20
Goods-producing industries ...................................
76
24
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 .........................................
85
89
91
91
92
85
84
89
15
11
9
9
8
15
16
11
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
2010—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
86
87
85
83
80
85
14
13
15
17
20
15
76
83
78
89
88
85
84
87
24
17
22
11
12
15
16
13
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
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, 2009." 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/glossary20092010.htm.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,
civilian workers,2 National Compensation Survey, March 2010
(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
79
5
16
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 ..................
78
69
83
100
7
6
7
–
15
25
10
–
100
87
86
98
77
83
75
88
–
–
–
–
3
3
3
2
–
–
–
–
20
14
22
10
93
86
75
75
76
–
3
5
–
7
–
11
20
–
17
Full time .................................................................
Part time ................................................................
79
82
5
–
16
–
Union .....................................................................
Nonunion ...............................................................
94
71
2
6
4
23
Average wage within the following categories:4
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
76
76
77
81
80
–
3
5
6
7
–
20
17
13
13
Goods-producing industries ...................................
74
9
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 .........................................
80
94
99
100
93
88
85
100
4
2
–
–
–
3
5
–
16
4
–
–
–
8
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
2010—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
66
62
71
81
84
79
3
–
–
5
–
6
31
–
–
14
–
14
78
82
76
74
76
74
83
85
–
–
–
–
5
–
4
–
–
–
–
–
19
–
13
–
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 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, 2009." 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/glossary20092010.htm.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,
civilian workers,2 National Compensation Survey, March 2010
(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
8
43
50
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 ..................
7
13
4
–
35
39
32
5
59
48
64
95
–
–
3
–
15
15
15
5
–
52
23
–
45
61
38
58
97
–
74
88
40
23
47
37
–
5
3
–
4
–
64
68
79
50
55
31
29
–
46
Full time .................................................................
Part time ................................................................
7
17
43
33
50
50
Union .....................................................................
Nonunion ...............................................................
1
11
30
49
69
40
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
16
9
6
6
7
41
45
44
41
34
43
46
50
52
59
Goods-producing industries ...................................
7
64
29
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 .........................................
8
1
–
–
–
–
4
–
37
27
9
2
37
49
56
–
55
72
91
98
63
–
40
94
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
2010—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
9
12
–
7
12
5
51
50
52
41
46
38
40
38
–
51
42
57
–
–
4
5
–
–
17
–
–
44
68
50
59
29
57
63
52
27
–
–
55
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, 2009." 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/glossary20092010.htm.
Table 8. Defined contribution retirement plans: Selected attributes, civilian
workers,1 National Compensation Survey, March 2010
(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
55
34
31
35
45
83
84
82
76
17
16
18
24
44
64
62
69
57
49
61
67
56
36
38
31
43
51
39
33
66
84
82
80
71
57
79
82
34
16
18
20
29
43
21
18
57
74
63
65
61
43
26
37
35
39
75
86
79
81
76
25
14
21
19
24
Full time .................................................................
Part time ................................................................
63
57
37
43
79
72
21
28
Union .....................................................................
Nonunion ...............................................................
56
63
44
37
76
79
24
21
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 ........................................
54
60
59
65
67
66
46
40
41
35
33
34
69
81
74
81
83
83
31
19
26
19
17
17
Goods-producing industries ...................................
66
34
81
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 .........................................
62
59
55
44
60
60
68
59
38
41
45
56
40
40
32
41
78
80
75
65
79
81
83
83
22
20
25
35
21
19
17
17
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 2010—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
63
62
64
62
58
67
37
38
36
38
42
33
81
82
80
77
72
82
19
18
20
23
28
18
67
61
58
62
62
65
65
62
65
33
39
42
38
38
35
35
38
35
80
83
76
79
77
76
76
78
80
20
17
24
21
23
24
24
22
20
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, 2009." 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/glossary20092010.htm.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2010
(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
79
94
29
17
57
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
91
91
87
87
87
95
95
96
87
87
89
82
82
84
94
94
94
29
28
24
16
15
12
56
55
51
97
83
91
90
91
94
88
94
79
87
86
88
91
84
97
95
96
96
96
96
96
96
77
84
81
83
87
79
94
73
81
77
78
83
77
97
95
96
95
95
95
96
16
27
32
33
33
33
22
8
16
18
20
20
19
14
48
58
56
61
60
57
66
Full time .................................................................
Part time ................................................................
99
40
94
36
96
89
92
37
87
34
95
90
33
9
19
5
58
53
Union .....................................................................
Nonunion ...............................................................
97
83
93
79
96
95
96
74
91
69
95
93
26
32
13
20
50
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
69
56
89
91
94
94
94
94
95
96
96
96
66
51
87
89
94
92
62
48
82
84
89
87
94
94
94
95
94
94
25
20
31
31
29
32
15
12
17
18
17
19
58
60
55
57
59
58
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
92
94
90
85
87
87
89
79
84
84
86
95
95
96
97
92
91
90
96
84
86
88
92
78
69
68
84
79
80
83
88
65
62
59
80
94
93
94
96
84
89
88
96
29
27
23
16
48
56
61
32
17
16
12
7
30
38
41
18
58
57
53
45
61
68
68
57
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
77
71
87
91
88
93
74
68
84
87
84
88
96
95
97
95
96
95
65
56
78
86
81
88
61
52
75
81
77
83
95
93
97
94
95
94
26
26
27
30
25
31
19
19
18
16
15
17
71
73
69
56
60
55
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 2010—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
92
89
87
85
94
96
87
83
78
79
90
96
43
24
25
14
59
57
86
92
85
89
91
90
90
89
92
82
87
82
82
85
86
88
87
89
96
94
96
92
94
96
98
97
97
85
89
80
77
88
80
77
84
87
81
82
76
65
81
78
76
81
85
96
92
96
84
92
97
98
97
97
8
20
35
32
46
25
24
21
26
6
10
14
24
19
15
18
15
23
85
53
41
73
41
60
73
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
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, 2009." 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/glossary20092010.htm.
Table 3. Defined benefit retirement plans: Employee contribution requirement and method
of contribution, State and local government workers, National Compensation Survey,
March 2010
(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
6.4
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
80
82
72
74
75
6.4
6.5
6.7
6.4
6.4
6.4
21
20
18
81
78
75
78
77
75
80
76
72
69
72
71
72
73
6.8
6.7
7.1
6.0
6.1
5.8
6.2
6.4
6.5
7.1
6.0
6.0
6.0
6.0
19
22
25
22
23
25
20
Full time .................................................................
Part time ................................................................
78
88
72
76
6.4
6.5
6.4
7.0
22
12
Union .....................................................................
Nonunion ...............................................................
79
78
69
75
6.4
6.4
6.3
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 ........................................
78
79
79
74
82
85
74
76
72
68
74
74
6.3
6.4
6.2
6.4
6.6
6.8
6.4
6.4
6.0
6.3
6.4
7.3
22
21
21
26
18
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
82
82
83
69
64
73
72
74
76
76
71
62
60
67
6.4
6.5
6.6
6.6
6.4
5.6
5.8
6.2
6.4
6.4
6.4
6.4
6.4
5.5
6.0
6.0
21
19
18
18
17
31
36
27
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
74
78
79
78
73
80
66
72
73
72
5.9
5.6
6.3
6.4
6.4
6.4
6.0
6.0
6.0
6.4
6.4
6.4
20
15
26
22
21
22
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 2010—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
65
74
5.9
6.5
6.0
6.4
23
21
99
93
66
94
57
91
78
63
92
59
94
56
91
59
5.8
5.2
7.8
5.8
5.6
6.3
6.7
5.0
5.5
9.4
4.5
6.0
7.3
7.0
1
7
34
6
43
9
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, 2009." 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/glossary20092010.htm.
Table 4. Defined benefit retirement plans: Open and frozen plans,
State and local government workers, National Compensation Survey,
March 2010
(All workers participating in defined benefit plans = 100 percent)
Characteristics
All workers .............................................................
Open plans1
Frozen plans2
91
9
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 ...
90
90
91
10
10
9
92
91
91
91
92
94
90
8
9
9
9
8
6
10
Full time .................................................................
Part time ................................................................
91
90
9
10
Union .....................................................................
Nonunion ...............................................................
86
95
14
5
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 ........................................
94
95
91
91
88
86
6
5
9
9
12
14
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 .........................................
91
91
92
91
94
87
86
89
9
9
8
9
6
13
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 ..........................................
94
95
92
90
89
91
6
5
8
10
11
9
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 2010—Continued
(All workers participating in defined benefit plans = 100 percent)
Open plans1
Characteristics
State government ..................................................
Local government ..................................................
Frozen plans2
90
91
10
9
74
78
90
98
94
88
26
22
10
2
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, 2009." 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/glossary20092010.htm.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,
State and local government workers, National Compensation Survey,
March 2010
(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
93
99
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
91
94
100
–
–
–
–
–
–
–
–
–
1
–
–
–
–
–
–
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 2010—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
–
–
–
–
100
100
100
100
90
99
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
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, 2009." 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/glossary20092010.htm.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,
State and local government workers, National Compensation Survey,
March 2010
(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
–
–
95
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 ...
–
–
–
5
4
–
95
96
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
97
95
95
95
95
98
99
Full time .................................................................
Part time ................................................................
–
–
–
–
95
99
Union .....................................................................
Nonunion ...............................................................
–
–
3
–
97
89
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 ........................................
–
–
–
–
–
–
–
–
8
4
3
–
91
91
92
96
97
97
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 .........................................
–
–
–
–
–
–
–
–
–
5
4
2
–
11
–
–
95
95
96
98
88
89
90
94
1 to 99 workers ......................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
–
–
5
–
3
97
95
95
90
97
Worker characteristics
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 2010—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
–
–
–
–
88
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
97
100
99
95
86
77
100
92
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
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, 2009." 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/glossary20092010.htm.
Table 7. Defined benefit frozen retirement plans:1 Plan alternatives, State and
local government workers, National Compensation Survey, March 2010
(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
94
1
18
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
97
97
100
1
1
–
–
–
–
100
100
100
100
100
100
100
100
90
88
90
89
94
98
–
2
–
–
–
–
–
10
–
–
32
34
–
–
Full time .................................................................
Part time ................................................................
100
100
94
98
1
–
19
–
Union .....................................................................
Nonunion ...............................................................
100
100
96
90
–
4
–
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
89
72
93
91
99
100
4
–
1
–
–
–
–
–
–
–
12
4
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
95
97
98
98
97
89
94
91
1
1
–
–
–
–
–
–
18
11
10
10
–
–
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
100
100
100
84
71
92
95
91
97
–
–
–
1
–
–
42
54
–
–
–
15
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
2010—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
91
96
–
1
–
12
100
100
100
100
100
100
100
100
98
99
88
88
69
90
92
99
–
–
–
–
–
–
–
–
–
–
–
–
23
–
–
50
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Mountain ................................................................
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, 2009." 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/glossary20092010.htm.
Table 8. Defined contribution retirement plans: Selected attributes, State and
local government workers, National Compensation Survey, March 2010
(All workers participating in defined contribution plans = 100 percent)
Employee contribution
Characteristics
Required
All workers .............................................................
Not required
Employee contribution
option
Pretax
Not pretax
58
42
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 ...
56
55
52
44
45
48
74
73
72
26
27
28
37
60
64
59
58
66
57
63
40
36
41
42
34
43
64
78
80
84
84
78
–
36
22
20
16
16
22
–
Full time .................................................................
Part time ................................................................
58
62
42
38
77
75
23
25
Union .....................................................................
Nonunion ...............................................................
43
66
57
34
65
83
35
17
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 ........................................
62
63
61
54
56
61
38
37
39
46
44
39
83
83
80
72
74
71
17
17
20
28
26
29
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 .........................................
58
55
53
38
64
61
64
59
42
45
47
62
36
39
36
41
77
71
67
59
74
81
79
83
23
29
33
41
26
19
21
17
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
62
71
48
57
62
56
38
29
52
43
38
44
–
–
–
75
91
70
–
–
–
25
9
30
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
2010—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
57
59
43
41
74
79
26
21
72
44
49
79
–
48
36
28
56
51
21
–
52
64
80
80
65
–
92
–
66
20
20
35
–
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, 2009." 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/glossary20092010.htm.
Table 2. Retirement benefits: Access, participation, and take-up rates,1 private industry workers, National Compensation
Survey, March 2010
(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
65
50
76
20
19
91
59
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
85
77
42
50
70
66
72
64
68
76
65
23
26
53
43
59
51
86
89
84
55
51
76
65
82
79
28
33
25
8
8
19
13
23
26
25
31
23
7
5
16
9
20
26
92
92
92
92
66
83
69
88
98
75
81
72
38
47
65
61
67
56
60
68
56
18
23
46
39
51
40
80
83
78
49
49
71
64
76
71
61
68
66
65
67
45
56
51
52
50
74
83
77
79
75
24
28
25
24
26
24
27
24
23
24
98
98
94
95
92
50
61
55
59
52
34
46
38
42
34
67
75
68
71
65
Full time .................................................................
Part time ................................................................
74
39
59
21
80
54
24
11
22
8
93
76
68
33
50
15
74
47
Union .....................................................................
Nonunion ...............................................................
88
62
82
46
93
74
69
15
67
13
97
87
55
59
44
41
80
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 ........................................
40
30
67
75
84
87
20
10
48
62
75
78
50
34
73
82
89
90
7
4
16
24
38
38
5
2
14
23
36
35
69
52
88
94
95
93
36
27
61
68
76
81
17
8
41
51
62
68
46
31
67
76
82
84
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
72
60
77
60
45
65
83
75
85
29
18
33
28
17
31
95
98
94
65
51
70
49
35
54
76
70
77
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
63
72
74
69
77
94
47
52
60
44
66
92
75
73
81
64
86
98
19
21
18
16
37
82
17
18
17
10
35
80
89
82
98
64
94
98
58
62
71
60
55
91
40
42
52
37
42
76
69
68
73
63
76
83
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 2010—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
83
89
92
85
59
58
71
38
70
74
88
70
33
32
44
76
72
81
84
78
37
46
60
25
55
63
78
53
14
12
29
90
87
91
91
91
64
80
85
67
78
86
89
76
41
38
67
46
43
51
57
48
13
12
9
8
20
16
17
21
3
3
10
44
39
47
52
45
12
11
9
7
19
14
14
19
2
2
10
95
92
92
92
93
98
93
99
95
92
87
81
93
83
89
96
81
80
87
90
84
54
56
70
36
63
67
87
62
32
31
38
65
61
70
68
70
31
43
58
23
45
56
76
43
12
11
22
80
77
80
76
83
57
77
83
63
71
84
88
69
38
35
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 ..........................................
51
47
64
81
78
85
35
32
43
66
60
75
69
69
68
82
77
88
10
8
15
33
23
47
9
7
12
30
20
44
89
92
83
91
87
94
47
44
58
72
70
75
31
29
38
54
51
58
65
65
65
74
72
77
63
68
67
69
66
62
61
66
60
50
56
52
54
47
45
44
49
47
80
82
78
78
71
73
72
75
77
21
26
25
19
17
17
15
17
21
20
24
22
18
15
15
14
16
20
92
91
88
91
88
89
91
95
94
58
59
59
63
62
56
59
62
54
43
44
42
46
42
38
39
42
38
74
76
71
73
66
69
67
68
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
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, 2009." 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/glossary20092010.htm.
Table 3. Defined benefit retirement plans: Employee contribution requirement and method
of contribution, private industry workers, National Compensation Survey, March 2010
(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
4
3
4.6
5.0
96
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
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 ..................
4
3
5
4
3
1
4
5
4
2
5
–
3
–
3
2
4.6
4.9
4.5
–
5.3
–
5.4
3.2
5.0
5.0
5.0
–
–
–
–
3.0
96
97
95
96
97
99
96
95
3
6
6
4
7
–
–
2
–
4
–
–
4.0
–
4.3
–
–
3.9
–
–
97
94
94
96
93
Full time .................................................................
Part time ................................................................
4
4
3
3
4.5
5.6
–
–
96
96
Union .....................................................................
Nonunion ...............................................................
3
5
2
3
5.2
4.5
–
5.0
97
95
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 ........................................
–
4
4
4
4
–
3
2
3
3
–
4.1
4.2
4.3
4.8
–
3.9
3.9
–
–
100
96
96
96
96
Goods-producing industries ...................................
Manufacturing ....................................................
3
3
1
1
2.4
2.4
3.0
3.0
97
97
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
5
5
8
1
3
3
–
–
4.8
3.5
–
–
5.0
–
–
–
95
95
92
99
Establishment characteristics
See footnotes at end of table.
Table 3. Defined benefit retirement plans: Employee contribution requirement and method
of contribution, private industry workers, National Compensation Survey, March
2010—Continued
(All workers participating in defined benefit plans = 100 percent)
Fixed percent of annual earnings1
Characteristics
Employee
contribution
required
Mean fixed
percent of
annual
earnings
Total
Employee
Median fixed
contribution
percent of
not required
annual
earnings
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Professional and business services ..................
Administrative and waste services ................
Education and health services ...........................
Educational services:
Junior colleges, colleges, and universities
Leisure and hospitality:
Accommodation and food services ................
2
2
2
2
–
8
1
1
1
–
–
7
5.2
5.2
2.3
–
–
5.5
–
–
–
–
–
–
98
98
98
98
100
92
2
2
3.8
–
98
–
–
–
–
100
1 to 99 workers ......................................................
1 to 49 workers ..................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
6
7
4
5
3
4
5
2
4
2
4.4
4.3
4.8
5.8
2.7
5.0
5.0
–
6.9
–
94
93
96
95
97
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
3
4
2
6
6
2
3
–
3
1
–
3
–
2
–
4.4
3.2
–
3.4
–
6.4
–
–
3.0
–
3.9
–
6.9
97
96
98
94
94
98
97
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, 2009." See
Technical Note for more details.
Geographic areas
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/glossary20092010.htm.
Table 4. Defined benefit retirement plans: Open and frozen plans,
private industry workers, National Compensation Survey, March
2010
(All workers participating in defined benefit plans = 100 percent)
Characteristics
All workers .............................................................
Open plans1
Frozen plans2
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 ..................
74
72
76
85
72
76
68
79
89
26
28
24
15
28
24
32
21
11
96
84
79
72
85
4
16
21
28
15
Full time .................................................................
Part time ................................................................
78
86
22
14
Union .....................................................................
Nonunion ...............................................................
89
72
11
28
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
71
79
82
77
73
29
21
18
23
27
Goods-producing industries ...................................
Manufacturing ....................................................
75
69
25
31
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
80
79
73
68
92
86
20
21
27
32
8
14
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
2010—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 ..................
Education and health services ...........................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance .................
67
80
80
79
85
78
84
33
20
20
21
15
22
16
75
84
25
16
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
84
85
81
77
75
78
16
15
19
23
25
22
77
86
70
87
77
73
86
23
14
30
13
23
27
14
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West 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, 2009." 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/glossary20092010.htm.
Table 5. Defined benefit frozen retirement plans:1 Benefits accrual,
private industry workers, National Compensation Survey, March 2010
(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
71
7
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
62
71
71
82
73
82
69
85
–
7
13
–
–
3
3
4
3
–
31
17
–
–
24
15
27
12
88
85
74
75
71
–
3
6
–
–
–
12
21
–
–
Full time .................................................................
Part time ................................................................
71
76
7
–
22
–
Union .....................................................................
Nonunion ...............................................................
86
68
–
7
–
25
Average wage within the following categories:3
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
76
70
69
72
70
–
4
6
9
–
–
26
25
19
–
Goods-producing industries ...................................
Manufacturing ....................................................
73
74
9
8
18
18
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
71
88
87
89
85
92
6
1
–
–
–
–
24
11
–
–
–
–
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
2010—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 .................
72
–
–
56
59
87
–
–
4
–
–
9
78
88
–
4
–
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 ..........................................
62
59
65
74
80
69
4
–
–
7
–
10
35
–
–
19
–
21
61
66
72
63
75
79
73
–
–
–
–
6
5
–
–
–
–
–
20
16
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West 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, 2009." 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/glossary20092010.htm.
Table 6. Defined benefit frozen retirement plans:1 Selected attributes,
private industry workers, National Compensation Survey, March 2010
(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
10
56
33
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
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 ..................
11
16
7
6
18
16
18
5
50
45
53
45
52
64
47
71
39
39
40
49
30
19
35
24
–
6
4
–
4
73
70
72
80
59
–
24
24
–
37
Full time .................................................................
9
57
33
Union .....................................................................
Nonunion ...............................................................
3
12
69
53
28
35
Average wage within the following categories:2
Lowest 25 percent .............................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 percent ............................................
Highest 10 percent ........................................
–
12
9
9
11
44
56
60
58
49
–
33
31
34
40
Goods-producing industries ...................................
Manufacturing ....................................................
7
7
64
64
29
29
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Transportation and warehousing ...................
Utilities ...........................................................
12
15
–
35
53
55
–
11
35
29
72
54
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
2010—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
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 .................
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
–
75
–
–
–
–
61
49
–
–
–
91
58
–
–
10
13
–
11
15
8
57
54
62
56
57
56
33
33
–
33
28
37
–
–
5
5
–
66
65
52
73
68
–
–
43
21
–
Geographic areas
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
South Atlantic ........................................................
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, 2009." 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/glossary20092010.htm.
Table 8. Defined contribution retirement plans: Selected attributes, private
industry workers, National Compensation Survey, March 2010
(All workers participating in defined contribution plans = 100 percent)
Employee contribution
Characteristics
Required
All workers .............................................................
Not required
Employee contribution
option
Pretax
Not pretax
63
37
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
70
66
62
74
57
49
61
67
33
30
34
38
26
43
51
39
33
83
85
83
83
81
71
57
79
82
17
15
17
17
19
29
43
21
18
56
74
63
66
61
44
26
37
34
39
75
86
79
81
76
25
14
21
19
24
Full time .................................................................
Part time ................................................................
63
56
37
44
79
72
21
28
Union .....................................................................
Nonunion ...............................................................
59
63
41
37
78
78
22
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 ........................................
54
61
57
66
68
67
46
39
43
34
32
33
70
83
71
81
84
84
30
17
29
19
16
16
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
66
58
68
34
42
32
81
76
83
19
24
17
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
62
54
67
45
57
85
38
46
33
55
43
15
78
65
83
53
72
94
22
35
17
47
28
6
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 2010—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 ...................................................
76
73
73
74
76
73
65
65
63
59
57
57
60
74
78
60
24
27
27
26
24
27
35
35
37
41
43
43
40
26
22
40
87
84
84
86
85
79
86
85
83
81
81
82
82
85
88
82
13
16
16
14
15
21
14
15
17
19
19
18
18
15
12
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 ..........................................
63
62
64
63
58
68
37
38
36
37
42
32
81
82
79
77
71
84
19
18
21
23
29
16
67
61
59
61
63
64
63
63
69
33
39
41
39
37
36
37
37
31
80
83
76
78
78
74
74
79
81
20
17
24
22
22
26
26
21
19
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, 2009." 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/glossary20092010.htm.
Table 1. Establishments offering retirement and health care benefits: private
industry workers, National Compensation Survey, March 2010
(All establishments = 100 percent)
Retirement benefits
Characteristics
All plans1
All establishments ..................................................
Defined
benefit
Defined
contribution
Health care
benefits
47
10
45
62
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
43
34
56
9
10
8
41
31
54
60
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 ...................................................
48
52
61
48
43
92
75
66
74
87
55
49
46
50
32
55
56
90
55
23
23
32
11
11
11
8
20
72
43
26
33
51
17
13
5
–
4
8
–
–
–
–
–
7
46
50
60
47
40
91
75
63
73
86
55
42
44
49
31
53
53
90
53
23
23
29
62
68
79
62
74
95
89
73
81
93
65
57
62
67
47
66
63
91
66
43
42
48
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
45
44
78
82
80
92
10
9
18
29
26
50
44
42
76
79
77
89
61
59
88
93
93
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 2010—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.
36
52
48
51
51
37
48
48
41
–
13
12
12
9
–
–
12
9
36
48
46
49
51
35
47
44
39
51
64
60
61
59
71
63
64
67
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/glossary20092010.htm.