Annual Bulletin on Benefit Plan Details
National Compensation Survey: Health and Retirement Plan
Provisions in Private Industry in the United States, 2012
U.S. Department of Labor
Thomas E. Perez, Secretary
U.S. Bureau of Labor Statistics
Erica L. Groshen, Commissioner
December 2013
Bulletin 2777
Contents
Overview
Basic Provisions – Health Tables

Medical care benefits

Non—high-deductible health plans

Fee-for-service plans

Health maintenance organizations

High deductible health plans

Outpatient prescription drug benefits
Basic Provisions – Retirement Tables

Defined Benefit plans

Defined Contribution plans

Savings and thrift plans
Additional Provisions – Defined Contribution Plans Tables

Savings and thrift plans

Deferred profit-sharing plans

Money purchase pension plans
Technical note
Appendix table 1: Survey establishment response
Appendix table 2: Number of workers represented
Overview
The National Compensation Survey (NCS) provides comprehensive measures of compensation cost trends, the
incidence of benefits, and detailed benefit provisions. This bulletin presents estimates of the detailed provisions
of employer-provided health and retirement plans in private industry in 2012.
Under the NCS program, information on the incidence and provision of benefits is published in stages. A
bulletin published in September 2013 presented NCS data for civilian, state and local government, and private
industry workers on access to and participation in selected benefits. The bulletin also presented detailed
provisions of paid holidays, life insurance plans, and some other benefit plans. In addition, the bulletin
presented information on employer and employee shares of contributions to medical care premiums and their
average amounts.
This bulletin presents detailed provisions of health plans and defined benefit and defined contribution retirement
plans. Additional tables are included this year on defined contribution plans in private industry.
Questions regarding NCS benefits data can be addressed by calling the information line at (202) 691–6199 or
by emailing [email protected]. Information is available to sensory-impaired individuals on request (Voice
phone: (202) 691–5200; Federal Relay Service: 1 (800) 877–8339). Data requests also may be sent by mail to
the U.S. Bureau of Labor Statistics, Division of Compensation Data Analysis and Planning, 2 Massachusetts
Avenue, NE, Room 4175, Washington, DC 20212. Material in this publication is in the public domain and,
with appropriate credit, may be reproduced without permission.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2012
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
Worker characteristic
All workers ...............................................................
100
80
2
64
6
7
–
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 ....................
100
100
100
100
100
100
100
100
100
77
80
75
87
–
78
80
77
83
–
–
3
–
–
2
–
–
–
59
64
55
67
86
64
70
62
70
8
5
11
7
–
6
–
7
4
6
7
6
12
–
5
4
6
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
80
85
82
80
85
–
–
2
–
4
72
69
70
66
76
–
5
–
–
–
–
–
6
9
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
79
84
2
–
64
70
7
–
7
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
82
79
5
2
69
64
3
7
–
7
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
82
84
76
79
81
–
2
1
–
3
65
71
63
61
65
5
6
6
7
6
10
6
6
7
7
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
81
81
80
1
–
–
71
75
68
3
–
4
6
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
79
80
72
81
78
83
86
3
4
–
–
–
–
–
62
71
58
73
55
69
74
7
–
–
–
–
6
–
7
4
–
–
–
6
7
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristic
All workers ...............................................................
20
15
5
–
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 ....................
23
20
25
13
–
22
20
23
17
17
16
17
8
–
18
17
19
13
6
–
8
–
–
4
–
4
–
–
–
–
–
–
–
–
–
–
20
15
18
20
15
–
12
13
16
10
–
–
5
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
21
16
16
12
5
–
–
–
Union .......................................................................
Nonunion .................................................................
18
21
16
15
–
5
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
18
16
24
21
19
13
12
18
17
14
–
4
6
5
4
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
19
19
20
14
15
14
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
21
20
28
19
22
17
14
16
16
20
16
19
12
10
5
4
–
–
–
–
4
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
84
–
81
72
56
66
75
–
–
–
–
–
–
–
72
77
64
48
44
53
49
–
–
–
17
6
8
19
10
–
–
6
–
5
6
–
–
–
–
–
–
–
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
78
79
78
81
80
81
–
–
–
3
3
3
65
66
61
64
69
58
4
4
–
8
4
14
8
6
13
6
5
7
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
66
74
84
–
82
96
–
74
67
–
3
–
–
–
–
–
–
–
49
55
70
76
62
80
81
56
57
–
7
8
–
9
3
4
–
4
11
9
–
6
6
–
6
–
4
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
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 ...
Healthcare and social assistance ....................
16
–
19
28
44
34
25
12
–
15
19
35
21
17
–
–
–
–
9
13
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
22
21
22
19
20
19
17
17
16
14
13
15
–
4
–
5
–
4
–
–
–
–
–
–
34
26
16
–
18
4
–
26
33
25
–
14
–
17
–
4
21
30
–
15
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage
categories based on the average wage for the occupation,
which may include workers with earnings both above and
below the threshold. The categories were formed using
percentile estimates generated using data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may
not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20122013.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2012
Fee-for-service plan
Characteristics
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
Worker characteristic
All workers ...............................................................
1.5
0.5
1.7
0.7
0.7
–
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 ....................
2.0
2.3
3.0
2.5
–
2.9
3.5
2.9
3.2
–
–
0.8
–
–
0.5
–
–
–
2.6
3.2
3.4
5.3
6.2
2.6
3.5
2.5
4.2
1.2
1.1
1.5
1.5
–
1.2
–
1.2
1.3
0.9
1.1
1.2
3.3
–
0.8
0.9
0.9
–
–
–
–
–
–
–
–
–
–
5.2
3.5
2.2
2.7
2.7
–
–
0.4
–
0.8
5.5
5.8
2.5
3.4
3.0
–
1.4
–
–
–
–
–
1.5
2.4
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.6
2.4
0.5
–
1.8
3.2
0.7
–
0.8
–
–
–
Union .......................................................................
Nonunion .................................................................
2.5
1.6
1.3
0.6
2.9
1.9
0.6
0.8
–
0.8
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.7
1.8
3.0
1.5
2.2
–
0.4
0.3
–
0.9
3.6
2.5
2.8
2.2
2.5
1.3
0.8
0.9
1.1
1.4
2.7
1.2
1.1
0.8
1.2
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.1
4.7
2.6
0.4
–
–
2.4
5.1
2.9
0.8
–
1.0
1.6
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
2.8
5.8
3.2
5.6
2.7
1.8
0.7
0.7
–
–
–
–
–
2.0
2.9
5.8
3.4
7.6
3.1
2.5
0.9
–
–
–
–
1.7
–
0.9
1.0
–
–
–
1.4
1.6
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2012—Continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristic
All workers ...............................................................
1.5
1.2
0.7
–
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 ....................
2.0
2.3
3.0
2.5
–
2.9
3.5
2.9
3.2
1.4
2.0
2.1
1.9
–
2.6
3.0
2.8
2.9
1.5
–
2.2
–
–
0.6
–
0.5
–
–
–
–
–
–
–
–
–
–
5.2
3.5
2.2
2.7
2.7
–
3.2
2.0
2.8
2.1
–
–
1.0
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.6
2.4
1.3
2.1
0.7
–
–
–
Union .......................................................................
Nonunion .................................................................
2.5
1.6
2.5
1.2
–
0.7
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.7
1.8
3.0
1.5
2.2
1.9
1.7
2.2
1.2
2.0
–
0.6
1.3
0.9
1.2
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.1
4.7
2.6
1.8
4.5
2.3
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
2.8
5.8
3.2
5.6
2.7
1.8
1.3
2.3
5.5
2.7
5.8
1.6
1.5
0.9
1.2
–
–
–
–
1.0
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2012—Continued
Fee-for-service plan
Characteristics
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
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 ...
Healthcare and social assistance ....................
2.4
–
3.5
3.3
4.3
3.4
3.9
–
–
–
–
–
–
–
3.1
5.0
4.6
4.6
3.9
4.5
5.2
–
–
–
2.3
0.8
1.3
2.7
2.6
–
–
1.2
–
0.9
1.4
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3.0
3.1
4.2
1.5
2.3
1.7
–
–
–
0.5
0.9
0.5
3.1
3.7
4.1
1.6
2.5
2.0
0.9
1.2
–
0.9
0.9
1.6
1.8
1.4
3.9
0.8
1.2
1.1
–
–
–
–
–
–
3.8
5.4
3.1
–
2.0
0.8
–
6.8
5.2
–
0.7
–
–
–
–
–
–
–
4.3
2.0
4.6
7.5
3.9
5.3
3.3
7.2
5.0
–
1.5
1.8
–
2.1
0.9
1.1
–
0.8
2.7
2.7
–
1.6
1.6
–
1.6
–
0.8
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2012—Continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
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 ...
Healthcare and social assistance ....................
2.4
–
3.5
3.3
4.3
3.4
3.9
1.7
–
2.5
3.1
4.2
2.6
3.5
–
–
–
–
1.5
1.7
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3.0
3.1
4.2
1.5
2.3
1.7
2.0
2.4
3.0
1.3
1.9
1.4
–
1.2
–
1.2
–
0.7
–
–
–
–
–
–
3.8
5.4
3.1
–
2.0
0.8
–
6.8
5.2
2.0
–
2.9
–
2.0
–
1.0
5.4
4.3
–
2.7
–
–
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage
categories based on the average wage for the occupation,
which may include workers with earnings both above and
below the threshold. The categories were formed using
percentile estimates generated using data from the
National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that
data do 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/glossary20122013.htm.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2012
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
98
2
–
76
24
–
30
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 ....................
97
96
97
99
98
98
97
98
98
–
–
3
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
74
73
74
79
89
74
77
73
79
26
27
26
21
–
26
23
27
21
–
–
–
–
–
–
–
–
–
35
28
40
30
–
31
25
33
22
65
72
60
70
89
69
75
67
78
–
–
–
–
–
–
–
–
–
98
98
98
99
96
–
–
2
–
4
–
–
–
–
–
80
77
78
75
84
20
23
22
25
16
–
–
–
–
–
24
21
25
30
18
76
79
75
70
82
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
98
94
2
–
–
–
75
79
25
21
–
–
31
24
69
76
–
–
Union .......................................................................
Nonunion .................................................................
95
98
5
2
–
–
75
76
25
24
–
–
22
32
78
68
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
97
98
99
96
97
–
2
1
–
3
–
–
–
–
–
74
81
75
73
76
26
19
25
27
24
–
–
–
–
–
31
25
33
32
29
69
75
67
68
71
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
99
99
99
1
–
–
–
–
–
79
80
77
21
20
23
–
–
–
26
23
29
74
77
71
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
97
96
99
95
97
99
99
3
4
–
–
–
–
–
–
–
–
–
–
–
–
75
76
69
78
64
80
82
25
24
31
22
36
20
18
–
–
–
–
–
–
–
32
22
32
21
28
28
24
68
78
68
79
72
72
76
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
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 ...
Healthcare and social assistance ....................
99
100
95
99
100
100
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
77
86
75
74
59
74
76
23
14
25
26
41
26
24
–
–
–
–
–
–
–
25
21
28
49
52
45
48
75
79
72
51
48
55
52
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
98
98
99
97
97
97
–
–
–
3
3
3
–
–
–
–
–
–
73
75
70
77
79
76
27
25
30
23
21
24
–
–
–
–
–
–
30
28
36
30
26
36
70
72
64
70
74
64
–
–
–
–
–
–
99
97
99
99
94
97
98
99
98
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
63
76
80
87
72
84
89
70
64
37
24
20
–
28
–
11
30
36
–
–
–
–
–
–
–
–
–
41
39
27
–
29
15
15
41
40
59
61
73
80
71
85
85
59
60
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20122013.htm.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation
Survey, 2012
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
0.5
0.5
–
1.4
1.4
–
1.6
1.6
–
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 ....................
1.3
2.9
0.8
0.5
2.0
0.5
0.9
0.5
1.0
–
–
0.8
–
–
0.5
–
–
–
–
–
–
–
–
–
–
–
–
2.3
3.1
2.6
3.8
5.0
2.5
3.3
2.6
3.6
2.3
3.1
2.6
3.8
–
2.5
3.3
2.6
3.6
–
–
–
–
–
–
–
–
–
2.5
2.8
3.4
5.3
–
2.6
3.2
2.8
3.3
2.5
2.8
3.4
5.3
5.7
2.6
3.2
2.8
3.3
–
–
–
–
–
–
–
–
–
1.1
1.6
0.4
0.5
0.8
–
–
0.4
–
0.8
–
–
–
–
–
4.8
4.8
2.4
3.4
2.5
4.8
4.8
2.4
3.4
2.5
–
–
–
–
–
5.5
3.6
2.6
3.4
2.9
5.5
3.6
2.6
3.4
2.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.5
1.8
0.5
–
–
–
1.5
2.7
1.5
2.7
–
–
1.7
3.1
1.7
3.1
–
–
Union .......................................................................
Nonunion .................................................................
1.3
0.6
1.3
0.6
–
–
2.7
1.5
2.7
1.5
–
–
2.7
1.7
2.7
1.7
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.0
0.4
0.3
1.3
0.9
–
0.4
0.3
–
0.9
–
–
–
–
–
3.0
1.9
2.2
2.1
2.4
3.0
1.9
2.2
2.1
2.4
–
–
–
–
–
3.5
2.3
2.8
1.8
2.5
3.5
2.3
2.8
1.8
2.5
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.4
0.9
0.4
0.4
–
–
–
–
–
2.3
4.7
2.9
2.3
4.7
2.9
–
–
–
2.5
5.0
3.0
2.5
5.0
3.0
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.7
0.7
0.5
1.6
2.2
0.4
0.2
0.7
0.7
–
–
–
–
–
–
–
–
–
–
–
–
1.7
2.4
5.5
3.0
6.9
2.2
2.2
1.7
2.4
5.5
3.0
6.9
2.2
2.2
–
–
–
–
–
–
–
1.9
2.8
5.8
3.1
6.0
3.2
2.6
1.9
2.8
5.8
3.1
6.0
3.2
2.6
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation
Survey, 2012—Continued
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
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 ...
Healthcare and social assistance ....................
0.4
0.2
2.6
0.3
0.1
0.1
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.9
3.9
3.9
3.8
4.0
3.0
4.0
2.9
3.9
3.9
3.8
4.0
3.0
4.0
–
–
–
–
–
–
–
3.0
5.0
4.6
4.5
4.1
4.2
5.1
3.0
5.0
4.6
4.5
4.1
4.2
5.1
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.0
1.3
0.2
0.5
0.9
0.5
–
–
–
0.5
0.9
0.5
–
–
–
–
–
–
2.8
3.3
4.9
1.5
2.2
1.8
2.8
3.3
4.9
1.5
2.2
1.8
–
–
–
–
–
–
2.5
3.1
4.1
1.7
2.5
2.0
2.5
3.1
4.1
1.7
2.5
2.0
–
–
–
–
–
–
0.8
0.7
0.7
0.5
2.5
1.3
0.6
0.4
0.9
–
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.8
1.8
3.6
4.4
4.1
5.9
2.1
5.8
4.1
1.8
1.8
3.6
–
4.1
–
2.1
5.8
4.1
–
–
–
–
–
–
–
–
–
3.1
2.8
4.1
–
3.5
4.3
3.3
7.3
5.5
3.1
2.8
4.1
6.7
3.5
4.3
3.3
7.3
5.5
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 3. Medical care benefits: High deductible and
non–high-deductible health plans,1 private industry workers,
National Compensation Survey, 2012
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans
Non–high-deductible
health plans
Worker characteristic
All workers ...............................................................
27
73
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 ....................
26
30
23
24
–
31
33
29
27
73
69
76
76
92
69
66
70
72
19
33
23
27
18
81
66
77
73
82
Full time ...................................................................
Part time ..................................................................
27
24
73
75
Union .......................................................................
Nonunion .................................................................
8
30
92
70
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
31
28
27
24
25
68
72
73
75
74
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
26
24
26
74
76
74
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
27
27
27
36
24
34
33
72
72
73
64
70
64
65
Establishment characteristic
See footnotes at end of table.
Table 3. Medical care benefits: High deductible and
non–high-deductible health plans,1 private industry workers,
National Compensation Survey, 2012—Continued
(All workers participating in medical care plans = 100 percent)
High deductible
health plans
Characteristics
Non–high-deductible
health plans
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 ...
Healthcare and social assistance ....................
30
38
30
22
–
–
25
69
62
69
78
93
91
75
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
35
36
31
20
24
16
65
63
68
79
76
84
23
15
32
35
22
25
35
32
27
76
84
68
64
77
74
65
68
73
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The sum of the columns may not equal 100
since only plans with fixed, variable, or no
deductibles are included. Plans with other
deductible formulas are not included.
2 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold. The
categories were formed using percentile estimates
generated using data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported
or that data do 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/glossary20122013.htm.
Table 3. Standard errors for medical care benefits: High deductible
and non–high-deductible health plans, private industry workers,
National Compensation Survey, 2012
Characteristics
High deductible
health plans
Non–high-deductible
health plans
Worker characteristic
All workers ...............................................................
1.3
1.3
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 ....................
2.2
3.5
2.4
4.2
–
1.8
3.2
2.0
5.2
2.3
3.7
2.4
4.2
3.9
1.7
3.2
2.0
5.2
4.5
8.0
2.1
3.1
2.4
4.5
7.9
2.1
3.1
2.4
Full time ...................................................................
Part time ..................................................................
1.3
3.2
1.3
3.3
Union .......................................................................
Nonunion .................................................................
1.8
1.4
1.8
1.4
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.1
2.3
2.3
2.2
2.7
3.1
2.4
2.3
2.3
3.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.6
4.5
2.9
2.6
4.5
2.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.6
2.1
4.2
2.9
5.8
3.2
3.9
1.6
2.2
4.2
2.9
6.5
3.3
4.0
Establishment characteristic
See footnotes at end of table.
Table 3. Standard errors for medical care benefits: High deductible
and non–high-deductible health plans, private industry workers,
National Compensation Survey, 2012—Continued
High deductible
health plans
Characteristics
Non–high-deductible
health plans
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 ...
Healthcare and social assistance ....................
3.7
7.8
3.7
3.7
–
–
4.3
3.7
7.8
3.7
3.7
2.6
3.2
4.3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.3
2.6
3.7
1.5
2.2
1.7
2.3
2.6
3.6
1.5
2.2
1.7
6.1
1.7
4.2
5.7
2.9
5.2
3.9
4.6
2.6
6.0
1.8
4.2
5.4
3.2
5.2
3.9
4.6
2.6
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold. The
categories were formed using percentile estimates
generated using data from the National
Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported
or that data do 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/glossary20122013.htm.
Table 4. Non–high-deductible health plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2012
(All workers participating in non–high-deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Worker characteristic
All workers ...............................................................
100
80
$200
$250
$500
$750
$1,000
20
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 ....................
100
100
100
100
100
100
100
100
100
79
78
81
81
–
78
82
76
80
200
200
200
200
–
200
250
–
200
300
250
300
250
–
300
300
300
250
500
500
500
500
–
500
500
500
400
750
750
750
1,000
–
750
850
600
550
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
1,000
21
22
19
19
–
22
18
24
20
100
100
100
100
100
81
79
85
81
89
200
200
150
–
–
250
300
250
300
250
300
500
500
500
500
–
600
750
750
600
1,000
1,000
1,000
1,000
1,000
19
21
15
19
11
Full time ...................................................................
Part time ..................................................................
100
100
80
84
200
–
300
250
500
300
750
500
1,000
1,000
20
16
Union .......................................................................
Nonunion .................................................................
100
100
80
80
100
200
200
300
300
500
500
750
1,000
1,000
20
20
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
80
84
80
78
82
200
200
–
200
200
250
300
300
250
250
500
500
500
500
500
600
–
750
750
600
1,000
1,000
1,000
1,000
1,000
20
16
20
22
18
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
83
81
83
200
200
–
250
250
250
500
500
500
750
–
750
1,000
1,000
1,000
17
19
17
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
79
83
71
84
98
–
57
81
80
200
–
250
250
100
–
100
250
250
250
250
300
300
–
–
–
350
350
500
400
–
500
350
–
–
500
500
750
–
575
750
–
–
–
1,000
1,000
1,000
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
21
17
29
16
2
–
43
19
20
Establishment characteristic
See footnotes at end of table.
Table 4. Non–high-deductible health plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in non–high-deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
100
100
100
100
100
100
100
100
100
100
100
78
81
80
77
79
61
71
82
–
–
–
$250
–
230
230
200
250
–
200
–
–
–
–
$350
300
300
300
300
250
300
–
–
–
–
$500
500
500
500
500
400
500
–
–
–
$1,000
–
1,000
–
750
500
–
750
–
–
–
$1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
–
–
–
22
19
20
23
21
39
29
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 ............................................
100
100
100
100
100
100
78
81
72
81
84
79
250
250
–
150
–
–
400
400
450
250
250
250
500
500
500
400
500
300
1,000
1,000
1,000
575
600
500
1,000
1,000
1,000
1,000
1,000
1,000
22
19
28
19
16
21
100
100
100
100
100
100
100
100
100
71
80
81
92
81
–
91
76
65
–
200
200
150
200
–
200
100
–
300
250
300
250
300
–
300
250
250
500
500
500
500
500
–
500
500
–
–
750
750
–
–
–
750
500
750
1,000
1,000
1,000
1,000
1,000
–
1,000
–
1,000
29
20
19
8
19
–
9
24
35
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage
for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from
the National Compensation Survey publication, "Employer Costs for Employee Compensation
- March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20122013.htm.
Table 4. Standard errors for non–high-deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2012
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Worker characteristic
All workers ...............................................................
1.3
$0
$28
$0
$0
$0
1.3
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 ....................
2.1
4.0
2.3
4.0
–
2.2
3.4
2.3
3.8
0
10
0
24
–
14
51
–
0
67
56
60
10
–
18
0
70
17
0
28
0
34
–
0
17
0
76
24
64
37
266
–
26
123
130
129
0
0
0
0
–
0
0
0
0
2.1
4.0
2.3
4.0
–
2.2
3.4
2.3
3.8
5.1
5.4
2.3
3.3
2.5
0
48
20
–
–
42
0
51
43
20
59
112
0
0
26
–
128
80
45
157
0
0
0
0
89
5.1
5.4
2.3
3.3
2.5
Full time ...................................................................
Part time ..................................................................
1.4
2.7
0
–
74
51
0
0
0
55
0
78
1.4
2.7
Union .......................................................................
Nonunion .................................................................
2.5
1.4
24
0
25
0
62
0
44
0
60
0
2.5
1.4
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.9
2.1
2.0
1.9
2.2
56
46
–
0
14
0
26
68
20
29
120
0
0
83
75
169
–
64
142
161
0
0
0
0
0
3.9
2.1
2.0
1.9
2.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.3
4.9
3.0
38
10
–
17
20
30
0
66
0
0
–
0
0
0
0
2.3
4.9
3.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.3
2.5
6.8
2.7
0.4
–
8.1
2.4
2.5
0
–
29
66
0
–
0
53
31
51
37
0
41
–
–
–
59
57
0
104
–
26
56
–
–
0
0
0
–
53
177
–
–
–
296
284
0
0
69
0
194
–
0
0
0
1.3
2.5
6.8
2.7
0.4
–
8.1
2.4
2.5
Establishment characteristic
See footnotes at end of table.
Table 4. Standard errors for non–high-deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2012—Continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
3.5
4.9
4.0
5.8
2.7
4.5
2.9
2.6
–
–
–
$68
–
40
43
20
28
–
31
–
–
–
–
$73
71
73
45
35
10
73
–
–
–
–
$34
0
137
0
75
85
0
–
–
–
$177
–
132
–
146
0
–
106
–
–
–
$0
0
0
0
0
255
85
0
–
–
–
3.5
4.9
4.0
5.8
2.7
4.5
2.9
2.6
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.9
3.1
5.8
1.5
1.9
1.9
0
17
–
20
–
–
75
93
120
0
14
57
0
20
52
67
53
10
0
0
118
57
21
24
0
0
0
31
50
157
2.9
3.1
5.8
1.5
1.9
1.9
5.9
3.0
3.7
2.1
3.2
–
2.2
7.0
4.2
–
35
56
34
55
–
33
14
–
52
28
65
37
61
–
34
42
50
133
93
10
107
0
–
0
119
–
–
112
184
–
–
–
88
0
103
0
0
0
0
0
–
0
–
0
5.9
3.0
3.7
2.1
3.2
–
2.2
7.0
4.2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates generated
using data from the National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 5. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2012
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
94
6
(1)
79
21
–
87
12
1
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 ....................
94
94
95
90
97
95
96
94
92
–
–
5
10
–
5
4
6
–
–
–
(1)
–
–
(1)
–
(1)
–
76
73
77
75
89
84
94
80
78
24
27
23
25
–
16
6
20
22
–
–
–
–
–
–
–
–
–
85
84
86
85
90
90
92
89
85
14
–
13
15
–
10
7
11
15
1
–
1
1
–
(1)
1
(1)
(1)
92
92
96
95
98
–
–
4
5
–
–
–
–
–
–
76
79
79
80
78
–
21
21
20
22
–
–
–
–
–
83
86
88
86
91
–
–
10
11
9
–
–
1
3
(1)
Full time ...................................................................
Part time ..................................................................
94
96
6
4
(1)
–
78
83
22
17
–
–
87
88
12
12
1
(1)
Union .......................................................................
Nonunion .................................................................
88
95
12
5
–
(1)
64
81
36
19
–
–
73
89
27
10
(1)
1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
92
95
95
93
96
–
–
5
7
4
–
–
( )
1
( )
–
85
82
79
74
79
15
18
21
26
21
–
–
–
–
–
91
89
86
84
86
8
10
13
15
12
1
1
( )
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
95
94
95
5
–
5
–
–
–
81
74
82
19
26
18
–
–
–
87
81
89
11
19
10
1
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
94
97
95
98
80
93
93
6
3
–
–
–
6
7
(1)
–
–
–
–
1
( )
–
78
86
86
96
74
79
80
22
14
14
–
26
21
20
–
–
–
–
–
–
–
87
94
94
94
75
84
86
13
6
6
–
25
15
13
1
1
–
–
–
1
1
1
1
Establishment characteristic
See footnotes at end of table.
Table 5. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
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 ...
Healthcare and social assistance ....................
92
93
94
93
90
93
94
–
–
–
7
–
7
6
–
–
–
–
–
–
–
82
81
75
75
64
69
76
18
19
25
25
36
31
24
–
–
–
–
–
–
–
89
87
87
85
70
77
86
11
12
–
14
30
23
12
–
1
–
2
–
–
2
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
93
94
90
95
96
93
7
–
–
5
4
7
–
–
–
1
( )
1
( )
(1)
76
76
75
81
82
79
24
24
25
19
18
21
–
–
–
–
–
–
87
86
89
87
90
84
12
13
11
12
10
15
1
1
( )
1
1
1
( )
82
87
96
98
93
96
96
98
97
18
13
4
–
–
–
–
2
3
–
–
–
–
–
–
–
–
–
64
59
76
87
84
76
91
75
87
36
41
24
–
16
24
9
25
–
–
–
–
–
–
–
–
–
–
77
66
90
94
89
90
94
89
92
23
34
–
–
10
–
4
–
–
–
1
–
–
1
( )
–
1
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20122013.htm.
Table 5. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2012
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
0.7
0.7
0.1
1.5
1.5
–
1.1
1.1
0.3
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 ....................
1.9
3.6
1.2
2.8
2.3
0.8
1.2
0.9
2.9
–
–
1.2
2.8
–
0.8
1.2
0.9
–
–
–
0.2
–
–
1
( )
–
0.1
–
3.0
5.0
3.2
5.7
7.2
1.6
1.4
2.1
4.1
3.0
5.0
3.2
5.7
–
1.6
1.4
2.1
4.1
–
–
–
–
–
–
–
–
–
2.6
5.0
2.0
4.3
6.8
1.3
1.9
1.5
3.9
2.7
–
2.0
4.3
–
1.3
1.8
1.5
3.9
0.4
–
0.3
0.4
–
0.2
0.5
0.2
0.1
4.4
3.8
0.8
1.2
0.6
–
–
0.8
1.2
–
–
–
–
–
–
7.1
4.9
2.5
3.7
3.0
–
4.9
2.5
3.7
3.0
–
–
–
–
–
5.3
4.8
2.3
3.5
2.0
–
–
2.1
3.1
2.0
–
–
1.1
2.0
(1)
Full time ...................................................................
Part time ..................................................................
0.8
1.0
0.8
1.0
0.1
–
1.6
3.2
1.6
3.2
–
–
1.2
2.9
1.2
2.9
0.3
(1)
Union .......................................................................
Nonunion .................................................................
2.1
0.8
2.1
0.8
–
0.1
4.5
1.6
4.5
1.6
–
–
4.2
1.2
4.2
1.2
0.2
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.6
1.4
0.8
1.9
0.9
–
–
0.7
1.9
0.9
–
–
0.2
0.1
–
3.1
2.6
2.1
2.5
2.5
3.1
2.6
2.1
2.5
2.5
–
–
–
–
–
1.9
2.0
1.6
2.1
2.3
1.9
2.0
1.5
2.2
2.1
0.3
0.6
0.2
0.5
0.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.0
3.6
1.0
1.0
–
1.0
–
–
–
2.7
5.9
3.2
2.7
5.9
3.2
–
–
–
2.1
5.1
2.3
2.0
5.1
2.1
0.9
–
1.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
1.9
0.7
7.8
1.9
1.9
0.9
0.7
–
–
–
1.8
1.9
0.1
–
–
–
–
0.4
–
1.9
1.9
3.0
1.4
7.2
3.1
2.7
1.9
1.9
3.0
–
7.2
3.1
2.7
–
–
–
–
–
–
–
1.5
1.4
1.8
1.8
7.2
2.5
1.9
1.5
1.3
1.8
–
7.2
2.4
1.7
0.2
0.3
–
–
–
0.6
0.7
Establishment characteristic
See footnotes at end of table.
Table 5. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2012—Continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
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 ...
Healthcare and social assistance ....................
2.1
3.1
3.0
1.5
4.1
1.2
1.3
–
–
–
1.5
–
1.2
1.3
–
–
–
–
–
–
–
3.3
4.7
5.4
4.2
5.7
4.4
4.6
3.3
4.7
5.4
4.2
5.7
4.4
4.6
–
–
–
–
–
–
–
2.2
3.6
4.6
2.2
6.3
4.3
2.1
2.2
3.4
–
2.1
6.3
4.3
1.8
–
1.1
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.7
2.0
3.4
0.7
0.6
1.1
1.7
–
–
0.6
0.6
1.1
–
–
–
0.1
0.2
(1)
2.7
3.6
4.5
1.7
2.2
2.7
2.7
3.6
4.5
1.7
2.2
2.7
–
–
–
–
–
–
2.2
2.9
3.0
1.3
1.3
2.3
2.2
2.8
3.0
1.3
1.3
2.3
0.6
0.8
(1)
0.2
0.3
0.2
4.4
1.3
1.2
0.8
3.2
2.9
1.6
0.3
0.6
4.4
1.3
1.2
–
–
–
–
0.3
0.6
–
–
–
–
–
–
–
–
–
5.7
3.7
4.3
5.8
3.3
6.2
2.2
7.0
4.7
5.7
3.7
4.3
–
3.3
6.2
2.2
7.0
–
–
–
–
–
–
–
–
–
–
3.5
3.5
3.2
2.4
2.9
3.9
1.4
3.3
3.7
3.5
3.9
–
–
2.9
–
1.1
–
–
–
0.5
–
–
0.1
–
0.6
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 6. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey, 2012
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Worker characteristic
All workers ...............................................................
100
94
–
–
60
$750
$1,310
–
–
6
(1)
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 ....................
100
100
100
100
100
100
100
100
100
94
94
95
90
97
95
96
94
92
–
–
–
28
–
–
–
–
43
–
–
–
–
–
–
–
–
–
62
61
62
62
85
59
54
62
50
–
–
600
1,000
–
750
750
–
–
1,200
1,500
1,200
1,500
–
1,500
1,500
1,500
1,200
–
–
–
–
–
–
$1,250
–
–
–
–
–
–
–
–
–
–
–
–
–
5
10
–
5
4
6
–
–
–
( )
–
–
(1)
–
(1)
–
100
100
100
100
100
92
92
96
95
98
42
43
31
33
28
–
–
$750
1,000
–
50
49
65
62
70
–
600
600
750
500
–
–
1,200
1,500
1,000
1,500
–
500
500
500
–
–
–
–
–
–
–
4
5
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
94
96
32
–
1,000
–
61
49
750
–
1,500
950
500
1,250
(1)
–
6
4
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
88
95
–
–
–
–
58
61
500
750
–
1,500
–
–
–
–
12
5
–
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
92
95
95
93
96
–
–
–
–
–
–
–
–
–
–
56
64
60
60
62
700
1,000
600
600
600
1,500
1,500
1,200
1,000
1,000
–
500
500
–
–
–
–
–
–
–
–
–
5
7
4
–
–
( )
(1)
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
95
94
95
–
34
–
–
–
–
62
60
62
750
–
750
1,400
–
1,500
500
–
500
–
–
–
5
–
5
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
94
97
95
98
80
93
93
–
–
28
–
–
–
–
–
–
–
–
–
–
–
60
63
67
57
52
64
61
750
600
–
850
1,200
–
–
1,300
1,200
–
1,725
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6
3
–
–
–
6
7
(1)
–
–
–
–
(1)
–
1
1
Establishment characteristic
See footnotes at end of table.
Table 6. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
92
93
94
93
90
93
94
–
–
–
35
19
18
37
–
–
–
$1,000
–
350
1,000
56
68
61
58
70
75
56
–
–
–
–
$500
–
–
–
–
$1,500
1,400
–
–
1,500
–
–
–
–
$400
400
–
–
–
–
–
–
–
–
–
–
–
7
–
7
6
–
–
–
–
–
–
–
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
93
94
90
95
96
93
–
–
–
–
–
–
–
–
–
–
–
–
61
61
61
60
62
58
1,000
1,000
1,000
500
575
500
2,000
2,000
–
1,000
1,200
750
–
500
–
–
–
350
–
–
–
–
–
–
7
–
–
5
4
7
–
–
–
(1)
(1)
(1)
100
100
100
100
100
100
100
100
100
82
87
96
98
93
96
96
98
97
–
–
–
–
–
–
–
38
51
–
–
–
–
–
–
–
1,500
–
70
63
68
58
60
61
61
60
–
–
–
800
1,000
1,000
600
750
500
–
1,000
1,200
1,600
1,750
1,500
–
–
1,000
–
–
–
–
750
–
300
–
–
–
–
–
–
–
–
–
–
–
–
18
13
4
–
–
–
–
2
3
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation,
which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20122013.htm.
Table 6. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2012
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Worker characteristic
All workers ...............................................................
0.7
–
–
1.5
$85
$295
–
–
0.7
0.1
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 ....................
1.9
3.6
1.2
2.8
2.3
0.8
1.2
0.9
2.9
–
–
–
5.2
–
–
–
–
6.2
–
–
–
–
–
–
–
–
–
3.0
3.7
3.9
6.0
8.4
2.2
3.9
2.2
5.9
–
–
143
104
–
107
84
–
–
327
383
258
350
–
196
373
158
343
–
–
–
–
–
–
$0
–
–
–
–
–
–
–
–
–
–
–
–
–
1.2
2.8
–
0.8
1.2
0.9
–
–
–
0.2
–
–
1
( )
–
0.1
–
4.4
3.8
0.8
1.2
0.6
7.0
9.4
3.0
4.1
3.7
–
–
$180
152
–
7.2
9.1
3.0
4.1
3.6
–
165
105
150
105
–
–
71
189
212
0
–
0
0
0
–
–
–
–
–
–
–
0.8
1.2
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
1.0
1.5
–
29
–
1.6
5.0
114
–
196
271
60
69
0.1
–
0.8
1.0
0.1
–
Union .......................................................................
Nonunion .................................................................
2.1
0.8
–
–
–
–
4.0
1.8
10
66
–
0
–
–
–
–
2.1
0.8
–
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.6
1.4
0.8
1.9
0.9
–
–
–
–
–
–
–
–
–
–
3.8
2.7
3.1
2.3
2.8
173
125
87
171
117
0
123
56
204
177
–
31
106
–
–
–
–
–
–
–
–
–
0.7
1.9
0.9
–
–
0.2
0.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.0
3.6
1.0
–
5.7
–
–
–
–
2.9
6.0
3.7
138
–
146
289
–
344
0
–
0
–
–
–
1.0
–
1.0
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
1.9
0.7
7.8
1.9
1.9
–
–
5.2
–
–
–
–
–
–
–
–
–
–
–
1.9
2.8
5.3
3.9
8.6
3.0
3.0
136
135
–
181
161
–
–
301
26
–
363
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
0.7
–
–
–
1.8
1.9
0.1
–
–
–
–
0.4
–
Establishment characteristic
See footnotes at end of table.
Table 6. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2012—Continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
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 ...
Healthcare and social assistance ....................
2.1
3.1
3.0
1.5
4.1
1.2
1.3
–
–
–
5.0
4.3
5.2
5.6
–
–
–
$251
–
66
280
4.4
4.7
4.3
4.8
4.4
5.4
5.5
–
–
–
–
$20
–
–
–
–
$443
350
–
–
365
–
–
–
–
$0
0
–
–
–
–
–
–
–
–
–
–
–
1.5
–
1.2
1.3
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.7
2.0
3.4
0.7
0.6
1.1
–
–
–
–
–
–
–
–
–
–
–
–
2.9
3.1
5.9
1.9
2.6
2.8
0
0
39
0
87
65
0
0
–
0
134
79
–
59
–
–
–
59
–
–
–
–
–
–
1.7
–
–
0.6
0.6
1.1
–
–
–
0.1
0.2
(1)
4.4
1.3
1.2
0.8
3.2
2.9
1.6
0.3
0.6
–
–
–
–
–
–
–
7.4
3.2
–
–
–
–
–
–
–
0
–
6.0
5.2
2.8
3.6
3.8
5.1
3.3
7.3
–
–
–
228
53
147
116
164
0
–
98
159
305
481
291
–
–
152
–
–
–
–
44
–
52
–
–
–
–
–
–
–
–
–
–
–
–
4.4
1.3
1.2
–
–
–
–
0.3
0.6
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.05.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 7. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,
2012
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
100
94
$250
$350
$750
$1,500
$2,700
6
(1)
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 ....................
100
100
100
100
100
100
100
100
100
94
94
95
90
97
95
96
94
92
250
250
250
200
–
250
250
250
200
350
400
–
–
500
400
–
500
300
750
1,000
750
1,000
–
1,000
1,000
1,000
–
1,500
1,800
1,500
–
–
1,800
2,000
1,650
1,800
2,500
2,500
2,000
3,000
1,000
2,700
2,700
3,000
3,000
–
–
5
10
–
5
4
6
–
–
–
( )
–
–
(1)
–
(1)
–
100
100
100
100
100
92
92
96
95
98
200
250
225
250
–
250
400
400
400
300
500
–
650
750
575
1,000
–
1,300
1,500
1,000
–
3,000
2,000
2,250
2,000
–
–
4
5
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
94
96
250
200
400
250
750
–
1,500
1,300
2,600
2,700
6
4
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
88
95
–
250
250
500
300
1,000
–
1,500
1,250
2,700
12
5
–
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
92
95
95
93
96
200
250
250
225
250
300
500
350
325
325
750
1,000
750
750
750
1,800
1,500
1,500
1,500
1,500
2,700
2,700
3,000
2,250
2,000
–
–
5
7
4
–
–
(1)
(1)
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
95
94
95
200
200
200
–
–
400
750
–
750
1,500
1,500
1,500
2,500
3,000
2,200
5
–
5
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
94
97
95
98
80
93
93
250
250
300
250
–
350
350
350
300
400
–
–
500
500
850
750
–
1,000
1,000
1,000
1,000
1,500
1,500
1,500
2,500
1,250
2,000
2,000
2,700
2,700
2,500
2,700
–
2,500
2,500
6
3
–
–
–
6
7
(1)
–
–
–
–
1
( )
–
1
Establishment characteristic
See footnotes at end of table.
Table 7. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
92
93
94
93
90
93
94
$350
–
250
250
250
–
250
$500
500
–
500
300
300
500
$1,000
–
1,000
–
500
500
–
–
$2,000
1,500
1,500
–
1,000
–
$2,600
2,500
–
–
2,000
–
–
–
–
–
7
–
7
6
–
–
–
–
–
–
–
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
93
94
90
95
96
93
300
300
325
200
200
200
500
500
500
300
300
250
1,000
1,000
1,000
500
550
500
2,000
2,000
1,500
1,250
1,500
1,100
3,000
3,000
2,000
2,500
2,700
1,800
7
–
–
5
4
7
–
–
–
(1)
(1)
(1)
100
100
100
100
100
100
100
100
100
82
87
96
98
93
96
96
98
97
250
200
250
200
250
200
250
250
250
300
300
400
–
350
300
400
500
–
–
–
750
1,000
750
600
1,000
–
–
1,500
1,200
1,800
2,000
1,500
1,500
2,000
1,500
1,500
2,500
2,000
–
3,000
2,500
2,000
3,000
2,600
2,700
18
13
4
–
–
–
–
2
3
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20122013.htm.
Table 7. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2012
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
0.7
$19
$29
$55
$0
$224
0.7
0.1
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 ....................
1.9
3.6
1.2
2.8
2.3
0.8
1.2
0.9
2.9
20
11
48
52
–
0
39
10
30
41
75
–
–
133
113
–
148
44
80
71
88
148
–
139
132
270
–
10
184
223
–
–
386
432
363
521
481
104
0
636
292
288
0
177
165
–
–
1.2
2.8
–
0.8
1.2
0.9
–
–
–
0.2
–
–
1
( )
–
0.1
–
4.4
3.8
0.8
1.2
0.6
0
51
46
13
–
50
91
106
62
39
71
–
137
156
103
235
–
230
174
252
–
83
439
416
98
–
–
0.8
1.2
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
1.0
4
0
58
23
134
–
0
252
181
0
0.8
1.0
0.1
–
Union .......................................................................
Nonunion .................................................................
2.1
0.8
–
0
51
124
43
167
–
80
165
44
2.1
0.8
–
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.6
1.4
0.8
1.9
0.9
35
0
61
42
35
14
10
49
44
49
118
117
37
80
127
491
331
0
0
39
0
298
575
386
420
–
–
0.7
1.9
0.9
–
–
0.2
0.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.0
3.6
1.0
19
35
25
–
–
99
65
–
69
184
373
295
186
613
276
1.0
–
1.0
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
1.9
0.7
7.8
1.9
1.9
4
0
0
20
–
73
68
24
45
77
–
–
0
0
206
160
–
151
278
88
0
17
202
336
328
274
163
360
73
0
577
0
–
20
65
0.9
0.7
–
–
–
1.8
1.9
0.1
–
–
–
–
0.4
–
Establishment characteristic
See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2012—Continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
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 ...
Healthcare and social assistance ....................
2.1
3.1
3.0
1.5
4.1
1.2
1.3
$64
–
6
17
14
–
28
$53
101
–
80
17
74
35
$0
–
140
–
40
29
–
–
$341
104
349
–
120
–
$133
0
–
–
514
–
–
–
–
–
1.5
–
1.2
1.3
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.7
2.0
3.4
0.7
0.6
1.1
25
35
96
0
17
18
0
0
0
46
5
0
0
40
0
10
85
34
0
442
83
74
245
168
59
701
349
469
111
291
1.7
–
–
0.6
0.6
1.1
–
–
–
0.1
0.2
(1)
4.4
1.3
1.2
0.8
3.2
2.9
1.6
0.3
0.6
34
0
5
35
17
0
40
0
60
29
42
54
–
94
40
116
67
–
–
–
165
40
93
167
156
–
–
438
222
423
388
287
397
527
0
0
504
88
–
567
239
298
412
605
264
4.4
1.3
1.2
–
–
–
–
0.3
0.6
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey, 2012
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Worker characteristic
All workers ...............................................................
100
92
–
–
60
$1,600
$3,000
$1,500
–
8
(1)
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 ....................
100
100
100
100
100
100
100
100
100
93
92
94
87
97
93
93
93
89
–
–
–
26
–
–
–
–
41
–
–
–
–
–
–
–
–
–
61
61
62
61
85
59
54
61
49
1,500
1,800
1,500
–
–
1,725
1,725
1,750
1,500
3,000
3,000
3,000
–
–
3,000
3,000
3,000
3,000
–
–
750
–
–
2,000
2,500
1,500
–
–
–
–
–
–
–
–
–
–
–
–
6
13
–
7
7
7
–
–
–
( )
–
–
(1)
–
(1)
–
100
100
100
100
100
92
88
93
93
93
42
40
29
32
25
–
–
–
–
$1,500
50
47
64
61
68
–
1,600
1,500
1,800
1,500
–
3,200
3,000
3,600
–
3,000
–
1,500
1,500
1,500
–
–
–
–
–
–
–
7
7
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
92
89
31
–
2,400
–
61
47
1,600
2,000
3,000
2,000
1,500
2,500
(1)
–
8
11
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
84
93
–
–
–
–
56
60
1,200
1,750
–
3,200
–
1,500
–
–
16
7
–
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
88
93
93
91
95
–
–
–
–
–
–
–
–
–
–
56
63
59
59
61
1,500
2,000
1,500
1,500
1,500
3,450
3,600
3,000
2,620
2,500
2,500
1,500
1,500
–
–
–
–
–
–
–
12
–
6
9
5
–
–
( )
(1)
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
93
93
94
–
32
–
–
–
–
62
60
62
1,500
–
1,500
3,000
3,000
3,000
1,500
–
1,500
–
–
–
7
–
6
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
92
94
93
93
80
91
92
–
–
28
–
–
–
–
–
–
–
–
–
–
–
59
62
65
57
52
62
61
1,750
1,725
–
2,000
2,400
–
–
3,000
3,000
3,450
4,000
–
–
–
1,500
–
–
–
–
–
–
–
–
–
–
–
–
–
8
6
7
7
–
9
8
(1)
–
–
–
–
1
( )
–
1
1
Establishment characteristic
See footnotes at end of table.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
90
93
94
92
89
93
93
–
–
–
34
19
18
36
–
–
–
–
$750
700
–
55
68
61
58
70
75
56
–
–
–
$1,500
1,000
1,300
–
–
–
$3,000
3,000
2,000
2,000
–
–
–
–
$750
–
–
750
–
–
–
–
–
–
–
10
–
–
8
–
7
7
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
91
92
88
92
94
90
–
–
–
–
–
–
–
–
–
–
–
–
60
60
61
59
61
56
3,000
3,000
2,000
1,500
1,500
1,000
4,500
5,000
4,000
2,400
3,000
1,600
–
1,500
–
1,500
2,000
750
–
–
–
–
–
–
9
8
–
7
6
10
–
–
–
(1)
(1)
(1)
100
100
100
100
100
100
100
100
100
82
85
95
94
90
95
93
96
94
–
–
–
–
–
–
–
37
49
–
–
–
–
–
–
–
3,000
–
70
63
68
58
59
60
60
59
–
–
1,500
1,950
–
2,000
1,500
2,000
1,000
–
–
2,400
3,600
3,750
3,450
3,000
4,500
2,000
–
–
–
1,500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
18
15
5
–
–
–
–
–
6
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation,
which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20122013.htm.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2012
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Worker characteristic
All workers ...............................................................
0.8
–
–
1.5
$209
$0
$0
–
0.8
0.1
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 ....................
2.0
3.6
1.4
3.1
2.3
1.1
1.5
1.3
3.1
–
–
–
5.0
–
–
–
–
6.4
–
–
–
–
–
–
–
–
–
3.0
3.7
3.9
6.0
8.4
2.2
3.9
2.3
5.8
97
501
71
–
–
297
277
378
196
154
517
679
–
–
182
560
111
444
–
–
48
–
–
591
196
241
–
–
–
–
–
–
–
–
–
–
–
–
1.4
3.1
–
1.1
1.5
1.3
–
–
–
0.2
–
–
1
( )
–
0.1
–
4.4
4.2
1.2
1.6
2.1
7.0
9.7
3.1
4.1
3.9
–
–
–
–
$88
7.2
8.9
2.9
4.0
3.7
–
152
234
266
49
–
337
153
597
–
0
–
0
0
0
–
–
–
–
–
–
–
1.2
1.6
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.9
3.3
1.6
–
307
–
1.6
5.0
181
448
34
561
59
139
0.1
–
0.9
3.3
0.1
–
Union .......................................................................
Nonunion .................................................................
2.5
0.9
–
–
–
–
4.0
1.8
293
229
–
374
–
11
–
–
2.5
0.9
–
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.8
1.9
0.9
1.9
0.9
–
–
–
–
–
–
–
–
–
–
3.8
2.8
3.1
2.5
2.9
228
56
0
214
180
627
472
0
609
741
509
0
8
–
–
–
–
–
–
–
2.8
–
0.8
1.9
0.9
–
–
0.2
0.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.4
3.7
1.2
–
5.6
–
–
–
–
2.8
6.0
3.7
109
–
44
109
686
83
0
–
0
–
–
–
1.4
–
1.2
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
1.1
2.1
1.9
7.8
2.5
2.0
–
–
5.2
–
–
–
–
–
–
–
–
–
–
–
2.0
2.7
5.3
3.9
8.6
3.1
3.0
279
174
–
99
263
–
–
0
104
310
451
–
–
–
357
–
–
–
–
–
–
–
–
–
–
–
–
–
1.0
1.1
2.1
1.9
–
2.4
2.0
0.1
–
–
–
–
0.4
–
Establishment characteristic
See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2012—Continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
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 ...
Healthcare and social assistance ....................
2.4
3.1
3.0
1.8
4.0
1.3
1.6
–
–
–
5.1
4.2
5.2
5.7
–
–
–
–
$213
136
–
4.4
4.7
4.3
4.8
4.4
5.4
5.5
–
–
–
$239
0
356
–
–
–
$589
640
380
407
–
–
–
–
$95
–
–
108
–
–
–
–
–
–
–
2.4
–
–
1.8
–
1.3
1.6
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.9
2.3
3.8
0.7
0.7
1.4
–
–
–
–
–
–
–
–
–
–
–
–
2.9
3.1
5.9
2.0
2.6
2.8
686
0
185
278
0
44
898
1,072
491
175
363
179
–
187
–
268
593
57
–
–
–
–
–
–
1.9
2.3
–
0.7
0.7
1.4
–
–
–
0.1
0.2
(1)
4.4
1.4
1.3
1.5
3.2
3.1
2.4
1.4
1.3
–
–
–
–
–
–
–
7.6
3.6
–
–
–
–
–
–
–
0
–
6.0
5.2
2.7
3.7
3.7
4.6
3.3
7.9
–
–
204
409
–
147
316
242
0
–
–
315
645
989
355
495
376
286
–
–
–
222
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.4
1.4
1.3
–
–
–
–
–
1.3
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.05.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 9. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey, 2012
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
100
92
$500
$900
$1,840
$3,000
$5,400
8
(1)
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 ....................
100
100
100
100
100
100
100
100
100
93
92
94
87
97
93
93
93
89
500
600
500
500
–
600
600
500
500
800
900
750
850
–
1,000
1,000
1,000
750
1,500
2,250
1,500
2,500
–
2,000
2,000
2,000
1,500
3,000
4,000
3,000
–
–
4,000
5,000
3,600
–
5,000
5,200
–
6,000
3,000
5,400
5,400
6,000
–
–
–
6
13
–
7
7
7
–
–
–
(1)
–
–
1
( )
–
(1)
–
100
100
100
100
100
92
88
93
93
93
400
700
500
600
450
600
1,000
900
1,000
750
–
–
1,500
1,950
1,500
–
–
3,000
3,000
3,000
–
9,000
5,000
5,000
5,400
–
–
7
7
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
92
89
500
400
900
600
2,000
–
3,000
–
5,400
5,400
8
11
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
84
93
400
600
500
1,000
900
2,000
2,000
3,300
3,000
6,000
16
7
–
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
88
93
93
91
95
500
600
500
500
500
900
1,000
900
750
800
1,950
2,000
1,500
–
1,500
4,000
3,100
3,000
3,000
3,000
5,400
5,400
6,000
5,000
5,000
12
–
6
9
5
–
–
(1)
(1)
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
93
93
94
500
450
500
800
800
800
1,500
–
1,500
3,000
–
3,000
6,000
7,000
5,000
7
–
6
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
92
94
93
93
80
91
92
500
500
625
700
–
700
700
900
900
1,000
–
–
1,200
1,200
2,000
1,800
1,800
2,000
2,400
2,500
2,500
3,100
4,000
3,600
5,000
3,000
4,000
4,000
5,400
5,400
6,000
5,400
5,000
5,200
5,200
8
6
7
7
–
9
8
(1)
–
–
–
–
(1)
–
Establishment characteristic
See footnotes at end of table.
Table 9. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
90
93
94
92
89
93
93
$700
750
600
500
600
500
500
–
$1,200
900
1,000
700
700
1,000
$2,500
–
–
–
1,000
–
–
–
$4,350
3,000
3,000
–
–
3,000
$5,000
5,000
6,000
–
4,000
–
–
10
–
–
8
–
7
7
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
91
92
88
92
94
90
750
750
800
450
500
400
1,500
1,500
1,500
625
750
600
3,000
3,000
2,250
1,500
1,500
1,000
4,500
5,000
–
3,000
3,000
2,500
7,500
9,000
6,000
5,000
5,400
4,000
9
8
–
7
6
10
–
–
–
(1)
(1)
(1)
100
100
100
100
100
100
100
100
100
82
85
95
94
90
95
93
96
94
500
400
600
500
500
500
600
500
500
–
600
1,000
1,000
900
700
900
1,000
900
–
1,500
1,800
–
1,500
1,500
2,250
–
1,840
–
2,500
4,000
4,350
3,000
3,000
3,750
3,000
3,000
5,000
5,000
–
–
5,400
5,400
5,400
5,200
5,400
18
15
5
–
–
–
–
–
6
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20122013.htm.
Table 9. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2012
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ...............................................................
0.8
$20
$75
$263
$66
$461
0.8
0.1
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 ....................
2.0
3.6
1.4
3.1
2.3
1.1
1.5
1.3
3.1
62
52
0
119
–
97
50
113
112
116
142
148
226
–
73
186
39
148
447
291
0
737
–
0
69
56
311
119
563
0
–
–
701
1,236
803
–
98
847
–
364
317
563
0
456
–
–
–
1.4
3.1
–
1.1
1.5
1.3
–
–
–
0.2
–
–
1
( )
–
0.1
–
4.4
4.2
1.2
1.6
2.1
32
153
40
94
63
0
145
159
118
55
–
–
115
284
0
–
–
0
0
720
–
2,373
605
1,002
535
–
–
1.2
1.6
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.9
3.3
29
72
86
40
310
–
53
–
700
0
0.9
3.3
0.1
–
Union .......................................................................
Nonunion .................................................................
2.5
0.9
58
72
59
0
163
10
370
474
44
724
2.5
0.9
–
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.8
1.9
0.9
1.9
0.9
44
149
29
21
88
82
10
173
52
88
350
69
209
–
288
813
622
115
0
0
735
634
1,144
240
563
2.8
–
0.8
1.9
0.9
–
–
0.2
0.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.4
3.7
1.2
56
129
60
59
217
88
147
–
39
0
–
0
1,045
2,086
428
1.4
–
1.2
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
1.1
2.1
1.9
7.8
2.5
2.0
48
73
135
150
–
28
42
55
20
187
–
–
183
212
188
214
357
69
215
316
349
267
891
632
444
173
349
255
353
0
958
0
1,114
263
275
1.0
1.1
2.1
1.9
–
2.4
2.0
0.1
–
–
–
–
0.4
–
Establishment characteristic
See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2012—Continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
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 ...
Healthcare and social assistance ....................
2.4
3.1
3.0
1.8
4.0
1.3
1.6
$26
192
20
71
86
0
55
–
$184
186
134
105
63
34
$319
–
–
–
67
–
–
–
$518
211
240
–
–
616
$302
1,043
1,324
–
954
–
–
2.4
–
–
1.8
–
1.3
1.6
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.9
2.3
3.8
0.7
0.7
1.4
39
72
102
41
18
0
0
0
109
95
140
131
85
0
644
224
0
48
478
643
–
225
137
599
1,580
1,760
1,302
450
136
479
1.9
2.3
–
0.7
0.7
1.4
–
–
–
0.1
0.2
(1)
4.4
1.4
1.3
1.5
3.2
3.1
2.4
1.4
1.3
100
63
116
145
59
83
59
113
118
–
95
56
228
162
154
148
28
158
–
161
379
–
323
432
286
–
448
–
534
860
867
126
0
790
0
586
412
506
–
–
484
830
828
733
353
4.4
1.4
1.3
–
–
–
–
–
1.3
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 10. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2012
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
Total
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Worker characteristic
All workers ...............................................................
100
–
–
88
80
60
90
–
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 ....................
100
100
100
100
100
100
100
100
100
–
–
–
13
–
–
10
–
–
–
–
–
70
–
–
80
–
–
88
86
89
87
98
90
90
89
83
80
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
60
90
90
90
90
90
90
80
90
80
–
–
–
–
–
–
–
–
–
100
100
100
100
100
–
–
–
15
–
–
–
–
80
–
83
83
86
85
88
80
80
80
80
80
60
60
60
60
60
80
90
90
80
90
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
–
–
–
–
88
80
80
80
60
60
90
90
–
–
Union .......................................................................
Nonunion .................................................................
100
100
–
–
–
–
75
89
90
80
60
60
100
90
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
84
91
89
84
87
80
80
80
85
85
60
60
60
60
60
90
90
90
90
90
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
–
–
9
–
–
80
90
86
91
80
80
80
60
60
60
80
–
80
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
–
14
21
13
–
–
–
–
80
80
80
–
–
–
87
86
79
87
82
83
86
80
80
80
80
80
90
90
60
60
60
50
60
60
60
90
90
–
–
90
85
90
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 10. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
Total
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
90
78
91
91
93
92
91
80
90
90
80
90
90
80
60
60
60
60
70
70
60
100
85
90
90
100
90
90
–
–
–
–
–
–
–
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
–
10
–
–
–
–
–
80
–
–
–
–
88
90
82
87
88
87
80
80
80
80
80
85
60
60
60
60
60
60
90
80
90
90
90
90
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
8
–
–
–
–
–
9
–
–
80
–
–
–
–
–
80
–
–
92
81
92
83
86
90
91
93
85
90
90
80
80
80
80
80
85
80
70
60
60
60
60
60
60
60
60
90
100
90
90
90
90
90
90
90
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20122013.htm.
Table 10. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2012
Fixed coinsurance
Characteristics
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Worker characteristic
All workers ...............................................................
–
–
1.2
0.0
0.0
0.0
–
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 ....................
–
–
–
3.8
–
–
1.8
–
–
–
–
–
5.5
–
–
0.0
–
–
1.6
2.3
1.8
3.8
1.8
1.5
1.8
1.8
4.1
4.3
5.2
7.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
7.1
0.0
0.0
0.0
0.0
0.0
0.0
2.6
0.0
10.0
0.0
9.4
0.0
12.3
–
–
–
–
–
–
–
–
–
–
–
–
3.1
–
–
–
–
0.0
–
5.4
5.3
2.3
3.1
3.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.0
10.1
6.5
0.0
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
1.1
5.0
0.0
0.0
0.0
0.0
0.0
8.6
–
–
Union .......................................................................
Nonunion .................................................................
–
–
–
–
5.0
1.1
6.8
0.0
0.0
0.0
0.0
0.0
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
–
–
–
–
3.4
1.6
1.6
1.8
2.2
0.0
0.0
0.0
6.9
7.1
0.0
0.0
0.0
0.0
0.0
1.4
0.0
0.0
0.0
0.0
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
2.1
–
–
0.0
1.8
4.8
2.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
2.3
5.6
3.1
–
–
–
–
0.0
0.0
0.0
–
–
–
1.5
2.3
5.6
3.1
6.2
3.6
3.6
0.0
0.0
0.0
0.0
5.5
3.7
6.3
0.0
0.0
0.0
8.3
0.0
4.6
10.6
0.0
9.6
–
–
12.6
9.8
7.8
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2012—Continued
Fixed coinsurance
Characteristics
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
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 ...
Healthcare and social assistance ....................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.0
6.6
2.8
2.2
2.2
2.5
2.4
3.9
1.0
6.8
0.0
2.2
11.2
0.0
3.9
9.8
0.0
0.0
6.0
9.7
0.0
7.3
9.5
0.0
10.2
13.9
0.0
9.8
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
2.1
–
–
–
–
–
0.0
–
–
–
–
2.1
2.1
4.3
1.1
1.8
1.9
0.0
0.0
0.0
0.0
0.0
5.8
0.0
0.0
0.0
0.0
0.0
0.0
9.3
8.6
0.0
0.0
7.1
3.7
–
–
–
–
–
–
2.4
–
–
–
–
–
2.3
–
–
0.0
–
–
–
–
–
0.0
–
–
2.4
6.3
2.6
5.3
2.3
4.0
2.3
3.6
2.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8.7
0.0
7.9
11.4
0.0
0.0
0.0
0.0
0.0
11.6
0.0
13.3
4.8
0.0
0.0
0.0
13.7
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and below
the threshold. The categories were formed using percentile estimates generated using data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 11. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2012
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
100
87
$1,000
$1,500
$2,000
$2,750
$3,900
12
1
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 ....................
100
100
100
100
100
100
100
100
100
85
84
86
85
90
90
92
89
84
1,000
1,000
900
–
–
950
1,000
950
–
1,500
1,500
1,400
–
2,000
1,500
1,500
1,495
–
2,000
2,000
2,000
–
2,000
2,000
2,300
2,000
–
2,750
2,900
2,650
–
2,000
2,500
3,000
2,500
–
3,500
3,500
4,000
–
–
3,500
4,000
3,500
–
14
–
13
15
–
10
7
11
15
1
–
1
1
–
1
( )
1
(1)
1
( )
100
100
100
100
100
83
86
88
86
90
1,000
–
1,000
1,000
1,000
1,200
–
1,500
1,500
1,200
1,700
–
2,000
2,000
2,000
2,500
–
2,900
3,000
2,900
4,000
–
3,750
4,000
3,750
–
–
11
11
10
–
–
1
3
(1)
Full time ...................................................................
Part time ..................................................................
100
100
87
86
1,000
950
1,500
1,250
2,000
2,000
2,800
2,300
4,000
3,250
12
14
1
(1)
Union .......................................................................
Nonunion .................................................................
100
100
72
89
–
1,000
1,000
1,500
1,500
2,000
2,250
2,900
3,500
4,000
28
10
(1)
1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
91
89
86
84
86
1,000
1,000
1,000
950
1,000
1,500
1,500
1,500
1,200
1,200
2,000
2,000
2,000
1,900
1,900
3,000
3,000
2,800
2,500
2,500
4,325
4,000
4,250
3,400
3,200
8
10
13
15
12
1
1
(1)
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
87
81
89
900
1,000
800
1,450
1,300
1,450
2,000
2,000
2,000
2,650
2,500
2,650
4,000
3,500
4,000
11
19
10
1
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
87
94
94
94
75
84
86
1,000
1,000
–
1,000
900
850
750
1,500
1,500
–
2,000
1,000
1,250
1,200
2,000
2,200
–
2,300
1,900
2,000
2,000
2,800
2,900
–
3,250
2,800
2,500
2,500
3,800
3,600
–
4,000
–
3,500
3,300
13
6
6
–
25
15
13
1
1
–
–
–
1
1
Establishment characteristic
See footnotes at end of table.
Table 11. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
89
87
87
85
70
77
86
–
$1,000
–
1,000
–
–
1,000
$1,200
1,500
–
1,500
1,000
1,000
1,500
$2,000
2,000
–
2,000
1,500
1,500
2,000
$2,500
2,500
–
2,600
2,000
2,000
2,750
$3,500
3,000
–
4,250
2,650
2,650
4,250
11
12
–
14
30
23
12
–
1
–
2
–
–
2
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
87
86
89
87
90
83
1,000
1,000
1,000
900
950
775
1,500
1,500
1,500
1,250
1,500
1,100
2,000
2,000
2,200
2,000
2,000
1,750
3,000
3,000
3,000
2,500
2,700
2,400
4,250
4,250
5,000
3,500
3,500
3,400
12
13
11
13
10
16
1
1
( )
1
1
1
( )
100
100
100
100
100
100
100
100
100
77
66
90
94
89
90
94
89
90
–
750
700
–
1,000
950
1,000
1,000
1,000
–
1,300
1,050
–
1,500
1,000
2,000
1,500
1,500
–
1,750
2,000
–
2,000
1,700
2,300
1,650
2,000
–
2,500
2,650
–
2,750
2,500
3,000
2,300
2,800
–
4,000
3,500
–
3,600
3,750
4,000
3,000
4,250
23
34
–
–
10
–
4
–
–
–
1
–
–
1
( )
–
1
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20122013.htm.
Table 11. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry
workers, National Compensation Survey, 2012
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
1.1
$10
$1
$0
$127
$306
1.1
0.3
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 ....................
2.6
5.0
2.0
4.3
6.8
1.4
1.9
1.7
3.9
73
0
134
–
–
99
141
114
–
179
115
196
–
70
78
34
304
–
0
0
123
–
0
0
31
0
–
188
250
219
–
39
200
212
0
–
435
179
621
–
–
228
95
124
–
2.7
–
2.0
4.3
–
1.4
1.8
1.7
3.9
0.4
–
0.3
0.4
–
0.2
0.5
0.2
0.1
5.3
4.8
2.3
3.5
2.2
0
–
10
163
0
185
–
88
0
268
382
–
0
0
20
487
–
214
427
181
564
–
254
532
334
–
–
2.1
3.1
2.2
–
–
1.1
2.0
(1)
Full time ...................................................................
Part time ..................................................................
1.2
3.2
10
88
0
298
0
101
196
101
314
388
1.2
3.2
0.3
(1)
Union .......................................................................
Nonunion .................................................................
4.3
1.2
–
0
0
0
104
0
160
214
403
313
4.3
1.2
0.2
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
2.0
1.6
2.2
2.3
137
0
31
100
83
0
10
29
92
179
289
14
0
166
197
28
238
221
66
198
382
498
343
269
420
1.9
2.0
1.5
2.3
2.1
0.3
0.6
0.2
0.5
0.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.1
5.1
2.3
112
97
150
175
171
176
39
174
158
146
71
185
406
531
568
2.0
5.1
2.1
0.9
–
1.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.5
1.4
1.8
1.8
7.2
2.5
1.9
10
0
–
263
88
224
217
0
39
–
490
107
139
117
0
84
–
0
422
0
20
183
168
–
175
374
109
164
334
110
–
171
–
305
362
1.5
1.3
1.8
–
7.2
2.4
1.7
0.2
0.3
–
–
–
0.6
0.7
Establishment characteristic
See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry
workers, National Compensation Survey, 2012—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
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 ...
Healthcare and social assistance ....................
2.2
3.6
4.6
2.2
6.3
4.3
2.1
–
$179
–
0
–
–
42
$48
55
–
0
69
111
10
$63
190
–
0
88
99
0
$235
421
–
401
182
324
440
$306
441
–
637
234
29
404
2.2
3.4
–
2.1
6.3
4.3
1.8
–
1.1
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.2
2.9
3.0
1.3
1.3
2.5
0
0
128
118
120
151
0
0
0
80
132
137
91
0
402
17
0
94
0
0
130
0
231
147
540
281
441
77
88
396
2.2
2.8
3.0
1.3
1.3
2.5
0.6
0.8
(1)
0.2
0.3
0.2
3.5
3.5
3.2
2.4
2.9
3.9
1.4
3.3
3.8
–
143
150
–
0
212
234
139
61
–
289
175
–
69
215
455
0
0
–
181
122
–
0
383
101
343
166
–
331
185
–
268
284
187
285
355
–
163
33
–
193
601
932
429
519
3.5
3.9
–
–
2.9
–
1.1
–
–
–
0.5
–
–
0.1
–
0.6
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 12. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation
Survey, 2012
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
100
81
$2,000
$3,000
$4,050
$6,000
$8,500
19
1
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 ....................
100
100
100
100
100
100
100
100
100
83
82
83
73
–
84
86
83
80
2,000
2,000
2,000
–
–
2,000
2,000
2,000
–
3,000
3,000
3,000
–
–
3,000
3,000
3,000
–
4,000
4,000
4,000
–
–
4,000
4,600
4,000
–
6,000
6,000
6,000
–
–
5,725
6,000
5,500
–
8,000
7,000
8,500
–
–
7,500
8,000
7,500
–
16
–
16
26
–
15
13
16
20
1
–
1
1
–
(1)
1
(1)
1
( )
100
100
100
100
100
76
82
77
79
73
2,000
–
2,000
1,600
2,400
2,990
–
3,000
3,000
3,300
3,600
–
4,050
4,050
4,050
4,800
–
6,000
6,000
6,000
–
–
9,000
8,000
10,000
–
–
22
18
27
–
–
1
3
(1)
Full time ...................................................................
Part time ..................................................................
100
100
82
69
2,000
2,200
3,000
3,000
4,050
4,100
6,000
5,000
8,500
7,000
18
31
1
(1)
Union .......................................................................
Nonunion .................................................................
100
100
56
85
1,400
2,000
2,700
3,000
3,100
4,350
5,000
6,000
6,000
8,625
44
15
(1)
1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
81
80
82
81
84
2,000
2,200
2,000
2,000
2,000
3,000
3,000
3,000
3,000
3,000
4,600
4,600
4,200
4,000
4,000
6,000
7,000
6,000
5,500
5,500
8,700
9,000
8,700
7,500
7,500
19
20
18
18
15
1
1
(1)
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
82
76
83
1,900
2,600
1,600
3,000
3,000
3,000
4,000
4,000
4,000
5,400
5,000
5,000
8,000
6,750
8,000
17
24
15
1
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
80
83
92
86
73
81
85
2,000
2,400
–
3,000
–
–
1,500
3,000
3,500
–
4,000
3,000
3,000
3,000
4,400
4,600
–
4,600
4,500
4,000
4,000
6,000
6,000
–
6,500
6,000
5,000
5,000
8,900
8,000
–
8,300
7,500
7,000
7,000
19
17
8
–
27
18
14
1
1
–
–
–
1
1
Establishment characteristic
See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation
Survey, 2012—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
89
84
86
75
68
76
76
–
$2,000
–
2,000
1,600
–
2,000
$3,000
3,300
–
3,000
2,000
–
3,000
$4,000
4,000
–
4,000
3,000
3,000
4,500
$6,000
5,000
–
6,000
4,500
4,500
6,500
$7,000
6,400
–
8,500
5,300
5,500
8,500
11
15
–
23
32
24
22
–
1
–
2
–
–
2
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
83
82
86
79
82
75
2,300
2,000
3,000
1,760
2,000
1,650
3,000
3,000
3,000
3,000
3,000
3,000
5,000
5,000
4,400
4,000
4,000
3,600
7,000
7,000
6,000
5,400
5,725
5,000
9,000
9,000
9,750
7,500
8,000
7,000
16
17
14
21
18
25
1
1
(1)
1
1
1
( )
100
100
100
100
100
100
100
100
100
77
57
85
92
83
82
86
82
86
–
2,000
1,200
–
2,500
2,000
2,400
–
2,300
–
3,000
2,500
–
3,000
3,000
4,000
3,000
3,200
–
3,900
3,900
–
4,050
4,000
5,000
3,800
4,600
–
5,800
5,750
–
6,000
5,500
6,750
5,000
6,000
–
8,000
7,000
–
8,000
8,625
10,000
6,000
8,500
23
42
–
–
17
–
13
18
–
–
1
–
–
(1)
–
1
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20122013.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry
workers, National Compensation Survey, 2012
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
1.6
$0
$0
$186
$0
$487
1.6
0.3
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 ....................
2.7
5.0
2.3
5.9
–
1.5
2.7
1.7
4.5
0
300
114
–
–
199
132
385
–
0
0
0
–
–
0
54
0
–
20
55
198
–
–
388
20
0
–
29
42
351
–
–
359
201
299
–
845
275
575
–
–
232
343
402
–
2.8
–
2.3
5.9
–
1.5
2.6
1.7
4.5
0.4
–
0.3
0.4
–
0.2
0.5
0.2
0.1
6.5
5.1
2.7
3.9
3.5
223
–
154
238
544
456
–
0
153
407
750
–
274
298
423
533
–
197
434
1,235
–
–
971
777
804
–
–
2.7
3.6
3.5
–
–
1.1
2.0
(1)
Full time ...................................................................
Part time ..................................................................
1.6
4.6
0
418
0
28
196
411
0
319
576
655
1.6
4.6
0.3
(1)
Union .......................................................................
Nonunion .................................................................
4.4
1.5
342
0
411
0
359
386
401
0
306
470
4.5
1.5
0.2
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.8
3.2
1.9
2.0
2.4
274
353
20
132
0
20
235
0
0
3
128
148
358
83
210
424
1,458
72
122
326
969
223
822
508
708
2.8
3.2
1.9
2.1
2.2
0.3
0.6
0.2
0.5
0.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.4
6.5
2.6
208
343
241
0
0
194
0
207
52
450
391
420
1,088
1,349
1,811
2.4
6.5
2.4
0.9
–
1.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.9
2.2
2.1
3.5
7.2
2.8
2.0
20
298
–
451
–
–
400
0
331
–
344
0
332
187
426
0
–
105
1,243
44
0
0
59
–
316
198
477
389
630
634
–
719
1,699
1,301
607
2.0
2.2
2.1
–
7.2
2.8
1.8
0.2
0.3
–
–
–
0.6
0.7
Establishment characteristic
See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry
workers, National Compensation Survey, 2012—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
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 ...
Healthcare and social assistance ....................
2.2
3.9
4.6
4.5
6.5
4.3
5.1
–
$550
–
20
278
–
325
$674
260
–
0
247
–
78
$63
55
–
696
448
846
694
$768
386
–
1,281
300
636
1,398
$697
1,867
–
400
465
268
231
2.2
3.8
–
4.6
6.5
4.3
5.1
–
1.1
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.6
3.3
3.4
2.0
2.5
2.8
455
278
735
292
325
211
0
234
0
0
0
312
685
647
405
0
156
194
1,179
1,129
648
181
365
321
487
234
1,005
280
690
562
2.5
3.2
3.4
2.0
2.4
2.9
0.6
0.8
(1)
0.2
0.3
0.2
3.6
3.5
5.7
3.7
3.5
3.5
3.5
5.0
3.9
–
367
320
–
185
405
640
–
378
–
0
571
–
294
580
155
0
296
–
331
193
–
482
575
284
734
288
–
574
392
–
0
549
825
366
927
–
258
508
–
837
1,586
345
1,219
324
3.6
3.8
–
–
3.5
–
3.6
5.0
–
–
0.5
–
–
0.1
–
0.6
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 13. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2012
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
51
49
–
17
83
–
65
34
(1)
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 ....................
53
48
57
53
–
49
57
45
48
47
52
43
47
–
51
43
55
52
–
–
–
–
–
–
–
–
–
12
10
13
26
–
22
35
16
–
88
90
87
74
75
78
65
84
87
–
–
–
–
–
–
–
–
–
63
64
63
76
48
64
62
65
67
36
35
37
24
52
35
38
34
33
1
1
( )
–
–
1
–
1
–
52
43
52
53
50
48
57
48
47
50
–
–
–
–
–
–
–
–
–
–
87
87
82
88
72
–
–
–
–
–
77
58
68
69
67
–
42
32
31
–
–
–
( )
1
( )
–
Full time ...................................................................
Part time ..................................................................
52
44
48
56
–
–
17
–
83
80
–
–
66
56
34
44
(1)
–
Union .......................................................................
Nonunion .................................................................
53
51
47
49
–
–
–
16
77
84
–
–
69
65
31
35
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
58
51
54
47
44
42
49
46
53
56
–
–
–
–
–
–
22
18
13
10
80
78
82
87
90
–
–
–
–
–
65
68
65
65
60
35
31
35
34
39
–
(1)
(1)
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
54
51
54
46
49
46
–
–
–
–
–
–
84
77
87
–
–
–
73
79
72
27
–
28
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
51
49
–
57
–
58
47
49
51
64
43
77
42
53
–
–
–
–
–
–
–
17
24
–
28
–
26
27
83
76
91
72
88
74
73
–
–
–
–
–
–
–
63
64
61
61
50
52
46
36
36
–
39
50
43
46
1
(1)
–
–
(1)
5
8
1
1
Establishment characteristic
See footnotes at end of table.
Table 13. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2012—Continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
47
–
58
31
35
66
53
58
42
69
65
34
–
–
–
–
–
–
–
–
–
–
–
–
75
74
86
94
95
83
–
–
–
–
–
–
42
–
56
59
49
55
43
–
44
41
50
45
14
–
(1)
1
( )
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 ............................................
58
63
48
45
53
33
42
37
52
55
47
67
–
–
–
–
–
–
16
21
–
18
15
21
84
79
–
82
85
79
–
–
–
–
–
–
69
66
76
62
58
69
31
34
24
37
42
30
(1)
(1)
–
1
1
( )
1
71
72
44
70
50
42
63
42
30
–
28
56
–
50
58
–
58
70
–
–
–
–
–
–
–
–
–
–
–
27
–
16
–
–
–
12
88
87
73
70
84
73
75
78
88
–
–
–
–
–
–
–
–
–
54
58
76
81
48
87
65
61
79
46
42
24
–
52
–
–
–
19
–
(1)
1
( )
–
(1)
–
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20122013.htm.
Table 13. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2012
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
2.9
2.9
–
1.9
1.9
–
2.5
2.6
0.2
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 ....................
5.5
8.6
5.4
9.2
–
3.7
7.1
4.4
6.7
5.5
8.6
5.4
9.2
–
3.7
7.1
4.4
6.7
–
–
–
–
–
–
–
–
–
2.7
2.8
3.3
7.6
–
2.8
6.5
2.9
–
2.7
2.8
3.3
7.6
15.1
2.8
6.5
2.9
5.1
–
–
–
–
–
–
–
–
–
4.9
5.9
6.9
5.6
11.7
3.3
7.1
3.2
6.2
5.0
6.5
6.9
5.6
11.7
3.3
7.1
3.3
6.2
0.6
1.2
0.2
–
–
0.2
–
0.2
–
10.7
8.2
7.1
9.9
11.0
10.7
8.2
7.1
9.9
11.0
–
–
–
–
–
–
–
–
–
–
8.6
5.8
6.6
7.5
8.8
–
–
–
–
–
9.7
8.1
5.7
8.0
10.3
–
8.1
5.7
8.0
–
–
–
( )
1
( )
–
Full time ...................................................................
Part time ..................................................................
3.1
9.6
3.1
9.6
–
–
1.9
–
1.9
6.1
–
–
2.7
9.9
2.7
9.9
0.3
–
Union .......................................................................
Nonunion .................................................................
7.0
3.2
7.0
3.2
–
–
–
1.9
7.4
1.9
–
–
5.1
2.7
5.1
2.7
0.1
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.7
5.2
4.9
5.4
7.9
7.7
5.2
4.9
5.4
7.9
–
–
–
–
–
–
3.8
3.0
2.3
2.7
6.5
3.8
3.0
2.3
2.7
–
–
–
–
–
8.2
3.7
4.7
4.1
7.0
8.2
3.8
4.6
4.3
7.5
–
0.3
0.2
0.6
1.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
7.5
9.9
9.4
7.5
9.9
9.4
–
–
–
–
–
–
5.7
9.8
5.8
–
–
–
4.2
8.0
4.8
4.2
–
4.8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
3.4
6.6
–
6.2
–
6.7
6.7
3.4
6.6
11.5
6.2
10.1
6.7
6.7
–
–
–
–
–
–
–
2.2
4.4
–
7.4
–
6.5
6.1
2.2
4.4
4.3
7.4
5.5
6.5
6.1
–
–
–
–
–
–
–
3.3
6.2
13.1
7.2
9.3
7.9
7.3
3.3
6.2
–
7.2
9.3
7.6
6.4
0.3
(1)
–
–
(1)
3.4
4.8
1
Establishment characteristic
See footnotes at end of table.
Table 13. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2012—Continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
9.5
–
5.5
8.7
3.8
6.4
9.5
13.8
5.5
8.7
3.8
6.4
–
–
–
–
–
–
–
–
–
–
–
–
8.2
11.8
4.5
3.4
1.6
5.8
–
–
–
–
–
–
10.0
–
9.0
7.6
4.5
10.5
7.3
–
9.0
7.7
4.5
10.5
8.8
–
0.1
0.3
0.6
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
5.3
5.5
9.1
4.3
6.0
4.2
5.3
5.5
9.1
4.3
6.0
4.2
–
–
–
–
–
–
2.8
3.6
–
2.5
3.5
3.7
2.8
3.6
–
2.5
3.5
3.7
–
–
–
–
–
–
4.8
6.5
5.6
3.2
5.7
2.6
4.8
6.5
5.6
3.3
5.7
2.6
0.1
0.2
–
0.6
0.5
0.6
12.1
4.9
9.5
9.5
9.1
8.8
17.0
8.8
2.7
–
4.9
9.5
–
9.1
8.8
–
8.8
2.7
–
–
–
–
–
–
–
–
–
–
–
5.2
–
3.8
–
–
–
2.7
8.4
4.9
5.2
19.1
3.8
5.3
16.6
6.6
2.7
–
–
–
–
–
–
–
–
–
10.2
5.5
5.2
7.0
6.2
8.1
14.7
11.7
3.3
10.2
5.5
5.2
–
6.2
–
–
–
3.9
–
(1)
0.1
–
(1)
–
–
–
1.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 14. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2012
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
100
65
$1,000
$1,500
$1,500
$2,500
$3,500
34
(1)
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 ....................
100
100
100
100
100
100
100
100
100
63
64
63
76
48
64
62
65
67
1,000
1,000
1,000
1,500
1,500
1,000
–
1,000
1,200
1,200
1,200
1,400
1,500
1,500
1,500
1,150
1,500
1,750
1,500
1,500
1,500
–
–
1,500
1,500
1,500
2,000
2,000
2,000
2,000
4,000
3,000
–
2,000
–
3,000
3,000
3,000
–
5,000
3,000
2,750
2,500
2,750
–
36
35
37
24
52
35
38
34
33
1
1
( )
–
–
1
–
1
–
100
100
100
100
100
77
58
68
69
67
–
–
1,000
1,000
1,500
1,750
–
1,500
1,500
1,500
2,000
2,000
1,500
1,500
–
3,000
–
2,500
2,000
2,750
–
5,000
3,000
2,500
–
–
42
32
31
–
–
–
( )
(1)
–
Full time ...................................................................
Part time ..................................................................
100
100
66
56
1,000
1,000
1,500
1,500
1,500
1,500
2,500
–
3,500
–
34
44
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
69
65
1,200
1,000
1,500
1,500
1,500
1,500
–
2,500
2,750
3,500
31
35
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
65
68
65
65
60
–
1,000
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,500
1,500
–
1,500
1,500
1,500
–
2,500
2,500
2,000
–
–
4,000
–
2,750
2,750
35
31
35
34
39
–
(1)
(1)
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
73
79
72
1,200
1,500
1,000
1,500
1,750
1,500
1,500
2,500
1,500
2,500
3,000
2,000
3,000
3,500
2,500
27
–
28
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
63
64
61
61
50
52
46
1,000
1,000
1,000
–
750
1,000
–
1,500
1,500
–
1,150
2,000
1,000
1,000
1,500
–
2,500
1,500
2,000
2,000
2,000
2,500
2,750
–
1,500
2,000
2,000
2,200
4,000
–
5,000
2,000
–
3,000
3,500
36
36
–
39
50
43
46
1
(1)
–
–
1
( )
5
8
1
1
Establishment characteristic
See footnotes at end of table.
Table 14. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
42
–
81
56
59
49
55
–
–
$1,200
1,000
1,250
1,000
1,000
$1,000
–
1,200
1,500
1,500
1,500
1,500
–
–
$1,500
1,500
1,500
1,500
1,500
$2,200
–
2,000
2,500
2,000
–
–
$3,500
–
–
4,000
–
2,500
4,000
43
–
–
44
41
50
45
14
–
–
1
( )
(1)
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
100
100
100
69
66
76
62
58
69
1,000
1,000
1,200
1,000
1,000
1,000
1,500
–
1,500
1,500
1,500
1,500
1,500
1,500
–
1,500
1,500
1,500
2,500
2,500
–
2,000
2,000
2,250
–
3,000
5,000
3,000
4,000
3,000
31
34
24
37
42
30
(1)
(1)
–
1
1
( )
1
100
100
100
100
100
100
100
100
100
54
58
76
81
48
87
65
61
79
–
1,000
1,000
1,200
1,000
1,150
1,000
1,500
1,200
1,150
1,500
–
1,500
1,400
–
–
–
1,500
–
1,500
1,500
1,750
2,000
2,000
–
–
1,500
2,000
–
–
3,000
2,500
–
–
2,750
2,000
–
4,000
5,000
4,000
3,500
–
5,000
2,750
2,500
46
42
24
–
52
–
–
–
19
–
(1)
(1)
–
(1)
–
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20122013.htm.
Table 14. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private
industry workers, National Compensation Survey, 2012
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
2.5
$0
$49
$44
$333
$760
2.6
0.2
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 ....................
4.9
5.9
6.9
5.6
11.7
3.3
7.1
3.2
6.2
0
0
88
374
139
0
–
228
358
266
145
315
0
0
0
250
0
190
49
240
0
–
–
0
0
184
274
185
303
204
805
196
–
575
–
139
762
672
–
1,415
0
273
0
306
–
5.0
6.5
6.9
5.6
11.7
3.3
7.1
3.3
6.2
0.6
1.2
0.2
–
–
0.2
–
0.2
–
9.7
8.1
5.7
8.0
10.3
–
–
294
184
443
219
–
83
317
0
568
589
0
0
–
219
–
607
246
325
–
0
255
500
–
–
8.1
5.7
8.0
–
–
–
(1)
(1)
–
Full time ...................................................................
Part time ..................................................................
2.7
9.9
0
166
53
429
130
0
346
–
792
–
2.7
9.9
0.3
–
Union .......................................................................
Nonunion .................................................................
5.1
2.7
29
0
294
49
245
110
–
294
147
766
5.1
2.7
0.1
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8.2
3.7
4.7
4.1
7.0
–
0
29
25
29
0
0
210
314
110
0
–
69
196
85
–
233
289
290
–
–
665
–
319
221
8.2
3.8
4.6
4.3
7.5
–
0.3
0.2
0.6
1.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.2
8.0
4.8
278
214
286
0
130
59
277
505
0
615
170
98
0
926
687
4.2
–
4.8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
3.3
6.2
13.1
7.2
9.3
7.9
7.3
0
0
187
–
0
0
–
195
168
–
255
392
290
29
85
–
0
0
0
294
460
349
306
–
0
260
304
256
1,027
–
196
463
–
235
603
3.3
6.2
–
7.2
9.3
7.6
6.4
0.3
(1)
–
–
(1)
3.4
4.8
Establishment characteristic
See footnotes at end of table.
Table 14. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private
industry workers, National Compensation Survey, 2012—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
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 ...
Healthcare and social assistance ....................
10.0
–
8.8
9.0
7.6
4.5
10.5
–
–
$104
0
358
0
0
$0
–
224
0
0
113
354
–
–
$0
235
0
0
444
$529
–
190
722
555
–
–
$814
–
–
1,038
–
224
961
7.3
–
–
9.0
7.7
4.5
10.5
8.8
–
–
0.1
0.3
0.6
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.8
6.5
5.6
3.2
5.7
2.6
63
0
228
68
108
111
299
–
59
0
263
0
322
354
–
0
128
0
189
174
–
461
560
473
–
392
294
615
1,047
333
4.8
6.5
5.6
3.3
5.7
2.6
0.1
0.2
–
0.6
0.5
0.6
10.2
5.5
5.2
7.0
6.2
8.1
14.7
11.7
3.3
–
239
0
0
122
0
0
0
197
223
333
–
424
310
–
–
–
0
–
0
290
264
553
517
–
–
0
0
–
–
0
184
–
–
377
0
–
1,024
0
1,034
0
–
0
310
354
10.2
5.5
5.2
–
6.2
–
–
–
3.9
–
(1)
0.1
–
(1)
–
–
–
1.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 15. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National
Compensation Survey, 2012
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
100
65
$2,300
$3,000
$3,000
$5,000
$8,000
34
(1)
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 ....................
100
100
100
100
100
100
100
100
100
63
64
62
76
48
64
61
65
67
2,000
2,000
2,000
3,000
3,000
–
–
3,000
3,000
2,500
2,400
3,000
3,000
3,000
3,000
–
3,000
3,500
3,000
3,500
3,000
–
–
3,000
3,000
3,500
4,000
4,500
4,500
5,000
8,000
6,000
4,500
4,000
5,000
6,000
7,500
6,000
7,500
10,000
6,000
5,500
5,000
6,000
10,000
36
35
37
24
52
36
39
34
33
1
1
( )
–
–
1
–
1
–
100
100
100
100
100
77
58
68
69
66
–
3,000
2,000
2,000
3,000
3,500
4,000
3,000
3,000
3,000
–
4,450
3,000
3,000
–
6,000
–
5,000
4,500
5,500
–
10,000
6,000
6,000
–
–
42
32
31
34
–
–
( )
(1)
–
Full time ...................................................................
Part time ..................................................................
100
100
66
56
2,300
2,300
3,000
3,000
3,500
3,000
5,000
4,500
7,500
–
34
44
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
69
65
2,400
2,000
3,000
3,000
3,500
3,000
5,000
5,000
5,500
8,000
31
35
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
65
68
64
65
60
–
2,300
2,300
2,400
2,400
3,000
3,000
3,000
3,000
3,000
3,000
4,000
3,000
3,500
3,000
–
5,500
5,000
5,000
4,500
9,400
8,000
–
6,000
6,000
35
31
36
35
39
–
(1)
(1)
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
73
79
72
2,400
3,000
2,000
3,000
3,500
3,000
3,500
5,000
3,000
5,000
6,000
4,500
6,000
9,000
6,000
27
–
28
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
63
63
59
60
50
52
46
2,300
–
–
–
1,500
2,000
–
3,000
3,000
–
3,000
4,000
–
2,000
3,000
–
5,000
3,000
4,000
4,000
4,000
5,000
5,500
–
3,000
–
4,400
4,400
8,000
–
10,000
4,000
6,600
6,000
–
36
37
–
40
50
43
46
1
(1)
–
–
1
( )
5
8
1
1
Establishment characteristic
See footnotes at end of table.
Table 15. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
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 ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
42
–
81
56
59
49
55
–
–
$2,400
2,000
2,600
2,000
2,000
$2,000
–
–
3,000
3,000
3,000
3,000
–
–
$3,000
–
–
3,000
3,000
$4,400
–
4,000
6,000
4,500
5,000
6,000
–
–
–
$8,000
8,000
5,300
8,000
43
–
–
44
41
51
45
14
–
–
1
( )
(1)
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
100
100
100
69
66
76
62
57
68
2,400
2,400
2,400
2,000
2,000
2,500
3,000
3,000
3,000
3,000
3,000
3,000
3,500
3,500
–
3,000
3,000
–
5,000
5,000
–
5,000
–
5,000
–
6,000
10,000
7,000
8,000
6,000
31
34
24
37
42
31
(1)
(1)
–
1
1
( )
1
100
100
100
100
100
100
100
100
100
54
58
76
81
48
86
65
59
79
–
–
2,000
2,400
2,400
2,300
–
3,000
2,500
2,300
3,000
–
–
3,000
–
–
–
3,000
–
3,000
–
4,000
4,000
4,000
–
–
3,000
4,000
–
–
6,000
6,000
–
–
5,000
4,500
–
8,000
10,000
8,000
9,400
–
10,000
5,500
6,000
46
42
24
–
52
–
–
–
19
–
(1)
(1)
–
(1)
–
–
–
1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20122013.htm.
Table 15. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private
industry workers, National Compensation Survey, 2012
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ...............................................................
2.5
$301
$0
$701
$196
$1,637
2.6
0.2
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 ....................
4.9
5.9
6.9
5.7
11.7
3.4
7.2
3.2
6.2
225
0
528
0
277
–
–
0
807
512
314
682
0
0
0
–
0
240
439
746
240
–
–
367
0
879
1,110
658
687
1,152
1,471
310
653
1,122
564
1,794
1,770
1,578
1,659
577
0
636
0
1,072
743
5.0
6.5
6.9
5.7
11.7
3.4
7.2
3.3
6.2
0.6
1.2
0.2
–
–
0.2
–
0.2
–
9.7
8.1
5.7
8.0
10.2
–
340
577
368
893
340
855
166
634
0
–
868
589
196
–
0
–
380
367
628
–
0
260
1,057
–
–
8.1
5.7
8.0
10.2
–
–
(1)
(1)
–
Full time ...................................................................
Part time ..................................................................
2.7
9.9
336
129
0
658
785
0
219
1,178
1,324
–
2.7
9.9
0.3
–
Union .......................................................................
Nonunion .................................................................
5.1
2.7
20
402
487
0
754
891
980
196
196
1,037
5.1
2.7
0.1
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8.2
3.7
4.7
4.1
7.0
–
475
395
466
20
0
0
0
247
55
139
712
695
690
450
–
658
345
589
773
1,813
927
–
498
620
8.2
3.8
4.6
4.3
7.5
–
0.3
0.2
0.6
1.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.2
8.0
4.8
556
572
571
0
277
118
643
651
785
277
340
170
0
2,459
1,020
4.2
–
4.8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
3.3
6.5
13.8
7.2
9.3
7.9
7.3
373
–
–
–
0
0
–
0
0
–
659
707
–
221
460
–
392
0
0
69
539
331
643
–
0
–
1,224
483
1,438
–
0
680
1,135
288
–
3.3
6.5
–
7.2
9.3
7.6
6.4
0.3
(1)
–
–
(1)
3.4
4.8
Establishment characteristic
See footnotes at end of table.
Table 15. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private
industry workers, National Compensation Survey, 2012—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
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 ...
Healthcare and social assistance ....................
10.0
–
8.8
9.0
7.7
4.5
10.5
–
–
$0
547
647
0
470
$0
–
–
0
0
0
342
–
–
$0
–
–
340
888
$1,031
–
294
1,508
936
729
1,654
–
–
–
$866
2,176
776
1,618
7.3
–
–
9.0
7.7
4.5
10.5
8.8
–
–
0.1
0.3
0.6
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.8
6.5
5.6
3.3
5.7
2.8
111
0
456
332
210
318
0
0
118
0
526
0
734
641
–
428
491
–
170
0
–
804
–
646
–
1,043
196
1,852
1,490
0
4.8
6.5
5.6
3.3
5.7
2.8
0.1
0.2
–
0.6
0.5
0.6
10.2
5.5
5.3
7.0
6.2
7.9
14.7
12.2
3.4
–
–
0
0
525
96
–
0
454
446
0
–
–
695
–
–
–
0
–
0
–
899
537
752
–
–
416
0
–
–
1,711
677
–
–
605
197
–
500
0
1,814
0
–
0
240
450
10.2
5.5
5.3
–
6.2
–
–
–
4.0
–
(1)
0.1
–
(1)
–
–
–
1.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 16. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2012
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ...............................................................
$1,250
$1,500
$2,000
$2,700
$3,000
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 ....................
1,200
1,200
1,200
1,300
1,500
1,500
1,450
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,800
2,000
1,500
2,000
2,500
2,500
2,000
2,500
2,500
2,500
2,000
3,000
2,700
2,700
3,000
3,000
3,000
–
2,500
–
3,500
3,000
5,000
–
1,200
1,500
1,300
1,250
1,500
1,500
–
1,500
1,500
1,500
–
2,500
2,000
1,800
2,000
3,500
3,000
2,500
2,500
2,700
5,000
3,000
3,000
3,000
3,500
Full time ...................................................................
Part time ..................................................................
1,250
1,250
1,500
1,500
2,000
2,000
2,700
2,700
3,000
2,700
Union .......................................................................
Nonunion .................................................................
1,200
1,250
1,300
1,500
1,500
2,000
2,000
2,700
–
3,000
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1,300
1,500
1,300
1,200
1,200
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,000
1,650
2,000
2,700
2,700
3,000
2,500
2,400
3,000
–
3,500
3,000
2,700
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1,300
1,500
1,250
1,500
1,800
1,500
2,000
2,500
2,000
2,500
3,000
2,500
–
5,000
3,000
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1,250
1,500
1,500
1,500
1,200
1,500
1,450
1,500
1,500
1,500
1,500
1,200
1,500
1,500
2,000
2,500
1,800
2,700
1,250
2,000
2,000
2,700
2,700
2,500
2,700
–
2,500
2,500
3,000
3,000
3,500
3,000
2,500
2,700
3,000
Establishment characteristic
See footnotes at end of table.
Table 16. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2012—Continued
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Healthcare and social assistance ....................
$1,500
1,450
1,200
1,375
1,375
$1,500
1,550
1,500
1,500
1,500
$2,000
2,000
1,500
–
–
$2,500
2,500
–
–
–
$3,000
3,000
3,000
5,000
5,000
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1,500
1,500
1,300
1,250
1,250
1,200
1,500
1,500
1,500
1,500
1,500
1,450
2,000
2,000
2,000
1,800
2,000
1,500
3,000
3,000
2,000
2,700
2,700
2,500
5,000
5,000
2,500
3,000
3,000
2,700
1,250
1,200
1,500
1,300
1,250
1,500
1,450
1,250
1,250
1,500
1,250
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
–
2,500
2,000
2,000
2,000
2,000
1,500
1,500
2,500
2,500
–
3,000
2,700
2,500
3,000
2,600
2,500
2,700
3,000
5,000
3,000
–
2,700
3,000
–
3,500
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum
deductible of $1,200 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket
expenses.
2 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using
data from the National Compensation Survey publication,
"Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do
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/glossary20122013.htm.
Table 16. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2012
Amount of annual deductible
Characteristics
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Worker characteristic
All workers ...............................................................
$49
$0
$0
$112
$587
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 ....................
10
54
0
238
0
0
153
206
0
0
110
62
0
28
0
283
237
104
10
0
635
181
316
710
425
0
0
383
156
0
204
0
393
–
240
–
842
144
1,198
–
250
0
47
65
215
183
–
0
0
0
–
694
267
409
68
621
118
0
28
286
589
0
228
424
755
Full time ...................................................................
Part time ..................................................................
87
0
0
128
0
270
204
0
741
0
Union .......................................................................
Nonunion .................................................................
20
103
102
0
20
0
155
66
–
721
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
268
39
173
14
10
0
0
0
0
0
144
0
73
220
309
0
353
409
398
377
0
–
1,020
350
302
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
224
83
126
0
241
0
28
170
402
325
564
20
–
0
405
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
48
0
0
96
0
49
61
0
0
0
182
20
0
0
39
294
263
96
306
0
0
35
0
306
0
–
0
20
378
673
564
325
0
315
388
Establishment characteristic
See footnotes at end of table.
Table 16. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2012—Continued
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Healthcare and social assistance ....................
$152
52
0
154
152
$0
34
93
0
0
$0
286
308
–
–
$111
0
–
–
–
$422
643
0
0
0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
158
55
95
28
26
59
0
0
0
0
0
119
0
371
594
82
232
71
600
0
305
71
0
183
1,428
589
537
308
0
128
0
68
240
137
207
0
225
250
234
0
288
125
28
49
0
0
0
0
96
–
576
314
0
284
195
0
113
0
438
–
583
167
458
424
664
137
468
469
196
0
–
294
0
–
340
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum
deductible of $1,200 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket
expenses.
2 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using
data from the National Compensation Survey publication,
"Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do
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/glossary20122013.htm.
Table 17. High deductable health plans: Summary of tax-favored accounts,1
private industry workers, National Compensation Survey, 2012
(All workers participating in high-deductible health plans = 100 percent)
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account 4
Worker characteristic
All workers ...............................................................
31
22
36
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
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
42
38
45
36
26
17
32
–
24
25
23
13
14
12
–
34
52
24
–
20
14
32
46
37
55
32
30
22
35
29
35
42
–
Full time ...................................................................
Part time ..................................................................
32
–
19
57
37
33
Union .......................................................................
Nonunion .................................................................
35
31
27
21
59
36
Average wage within the following categories:5
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
19
27
33
40
35
32
24
19
17
19
21
32
34
49
51
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
24
–
26
14
21
–
33
–
40
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
34
20
17
–
49
55
24
42
55
–
21
19
38
19
18
66
56
62
Establishment characteristic
See footnotes at end of table.
Table 17. High deductable health plans: Summary of tax-favored accounts,1
private industry workers, National Compensation Survey, 2012—Continued
(All workers participating in high-deductible health plans = 100 percent)
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account 4
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
53
56
–
48
40
–
36
41
22
–
–
–
13
–
–
13
64
64
45
60
39
51
41
39
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
33
35
27
30
25
39
11
11
12
35
38
28
29
26
38
46
38
63
37
45
32
–
34
36
17
19
–
22
27
29
44
36
44
Geographic area
New England ...........................................................
East North Central ...................................................
South Atlantic ...........................................................
West South Central ..................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a health plan
that features a higher deductible and lower insurance
premiums than those of traditional health plans. In order to be
classified as a HDHP, the plan must have a minimum of a
$1,200 deductible for individual coverage. The plan includes
catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine
out-of-pocket expenses up to the deductible.
2 Health savings accounts (HSA) are used in
combination with high deductible health plans to pay for
current and future medical expenses. HSAs are controlled by
the employee, although both employees and employers may
contribute to the account. Accounts can accumulate
tax-deferred interest.
3 Health reimbursement arrangements (HRAs) are
funded solely by the employer to reimburse employees for
any qualified medical expenses. HRAs may be offered with
any medical plan.
4 Flexible spending accounts (FSAs) allow an employee
to set aside a portion of earnings to pay for qualified medical
expenses. Money is deducted from an employee’s earnings
and is not subject to payroll taxes. Any funds not used by the
end of the plan year are forfeited by the employee.
5 Surveyed occupations are classified into wage
categories based on the average wage for the occupation,
which may include workers with earnings both above and
below the threshold. The categories were formed using
percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data
do 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/glossary20122013.htm.
Table 17. Standard errors for high deductable health plans: Summary of
tax-favored accounts, private industry workers, National Compensation Survey,
2012
Characteristics
Health savings
account1
Health
reimbursement
arrangement2
Flexible spending
account 3
Worker characteristic
All workers ...............................................................
2.8
2.1
2.9
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
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.4
5.3
5.9
8.7
3.2
4.4
3.9
–
4.3
5.3
6.2
2.1
2.7
2.7
–
4.2
5.6
3.8
–
4.0
3.8
7.9
5.3
5.6
6.5
8.1
3.8
5.7
4.4
8.6
5.5
7.5
–
Full time ...................................................................
Part time ..................................................................
2.8
–
2.0
6.9
3.0
6.9
Union .......................................................................
Nonunion .................................................................
10.0
2.8
6.8
2.2
7.6
2.9
Average wage within the following categories:4
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.0
3.6
4.7
3.8
4.6
4.8
3.2
3.0
3.0
4.0
4.7
3.7
4.0
5.1
5.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.1
–
4.9
3.2
5.4
–
5.5
–
6.5
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
3.3
3.9
4.4
–
4.8
4.7
2.4
4.5
5.1
–
4.8
4.6
3.4
2.9
3.3
11.1
6.6
5.9
Establishment characteristic
See footnotes at end of table.
Table 17. Standard errors for high deductable health plans: Summary of
tax-favored accounts, private industry workers, National Compensation Survey,
2012—Continued
Characteristics
Health savings
account1
Health
reimbursement
arrangement2
Flexible spending
account 3
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
5.4
8.9
–
8.9
8.3
–
9.8
8.7
6.2
–
–
–
3.7
–
–
3.9
7.7
10.6
8.3
9.2
9.1
12.2
8.3
9.5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.4
5.0
7.2
2.6
3.1
4.7
2.1
2.9
3.2
3.7
4.2
6.1
4.2
4.5
8.5
3.8
4.2
5.2
6.9
6.8
4.8
–
8.3
5.6
4.5
3.5
–
5.0
7.7
7.0
7.6
6.2
6.1
Geographic area
New England ...........................................................
East North Central ...................................................
South Atlantic ...........................................................
West South Central ..................................................
Pacific ......................................................................
1 Health savings accounts (HSA) are used in
combination with high deductible health plans to pay for
current and future medical expenses. HSAs are controlled by
the employee, although both employees and employers may
contribute to the account. Accounts can accumulate
tax-deferred interest.
2 Health reimbursement arrangements (HRAs) are
funded solely by the employer to reimburse employees for
any qualified medical expenses. HRAs may be offered with
any medical plan.
3 Flexible spending accounts (FSAs) allow an employee
to set aside a portion of earnings to pay for qualified medical
expenses. Money is deducted from an employee’s earnings
and is not subject to payroll taxes. Any funds not used by the
end of the plan year are forfeited by the employee.
4 Surveyed occupations are classified into wage
categories based on the average wage for the occupation,
which may include workers with earnings both above and
below the threshold. The categories were formed using
percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data
do 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/glossary20122013.htm.
Table 18. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2012
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Formulary
drugs
Worker characteristic
All workers ...............................................................
100
99
83
83
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 ....................
100
100
100
100
100
100
100
100
100
98
97
99
99
98
100
100
99
99
83
83
83
81
74
84
84
83
83
80
84
77
84
96
86
89
85
83
100
100
100
100
100
100
99
100
100
100
76
87
85
84
87
73
89
83
84
80
Full time ...................................................................
Part time ..................................................................
100
100
99
100
83
83
84
73
Union .......................................................................
Nonunion .................................................................
100
100
99
99
86
83
71
85
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
99
99
100
98
99
82
82
81
86
87
82
86
83
82
83
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
100
100
100
87
77
90
83
79
85
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
99
100
100
100
100
95
100
98
100
82
84
84
78
97
99
92
86
84
83
85
88
87
78
72
91
81
82
Establishment characteristic
See footnotes at end of table.
Table 18. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2012—Continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Formulary
drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
91
96
93
100
100
100
100
100
100
100
82
85
92
78
71
80
88
85
78
88
90
71
81
82
77
87
86
74
78
89
73
91
92
82
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
99
98
100
99
99
99
75
74
80
89
88
91
83
80
92
83
82
84
100
100
100
100
100
100
100
100
100
99
100
100
100
96
100
100
100
100
91
88
81
80
77
84
84
85
88
94
82
80
81
84
79
87
89
79
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits included
as part of a medical plan.
2 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold. The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 18. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey, 2012
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Formulary
drugs
Worker characteristic
All workers ...............................................................
(2)
0.5
1.3
1.3
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 ....................
2
( )
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
1.4
3.2
0.4
0.7
2.1
0.2
0.2
0.3
0.4
1.8
3.4
2.4
4.3
17.4
1.9
3.1
1.9
3.1
2.2
2.6
3.6
3.5
2.8
1.7
2.2
1.9
3.2
(2)
(2)
(2)
(2)
(2)
(2)
0.8
0.2
0.4
(2)
5.9
3.6
2.1
2.7
2.6
5.3
3.5
2.0
2.5
2.9
Full time ...................................................................
Part time ..................................................................
(2)
(2)
0.5
0.3
1.3
3.3
1.3
3.9
Union .......................................................................
Nonunion .................................................................
(2)
(2)
0.4
0.6
2.8
1.4
3.1
1.4
Average wage within the following categories:3
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(2)
(2)
(2)
(2)
(2)
0.4
0.5
0.2
1.3
0.3
2.3
2.3
2.0
1.8
2.6
2.5
1.9
2.2
1.7
2.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(2)
(2)
(2)
0.2
(2)
0.2
2.0
5.1
2.2
2.3
4.4
2.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.1
0.1
0.6
0.1
(2)
0.2
(2)
2.1
(2)
1.3
0.2
1.5
2.2
3.8
3.5
2.6
1.0
3.1
2.0
2.0
1.5
1.6
3.4
2.5
4.9
5.6
3.5
2.6
2.7
Establishment characteristic
See footnotes at end of table.
Table 18. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey,
2012—Continued
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Formulary
drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
0.2
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.2
0.4
7.1
2.7
5.0
0.3
0.2
(2)
0.3
(2)
(2)
(2)
3.3
4.5
6.5
4.3
5.4
3.6
3.6
3.1
4.3
4.6
4.8
13.3
3.1
4.9
9.9
3.2
3.3
4.1
5.9
3.0
4.8
4.5
4.8
8.7
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
(2)
(2)
(2)
(2)
(2)
(2)
1.1
1.5
0.1
0.2
0.3
0.2
2.6
3.3
3.0
1.0
1.4
1.3
2.4
3.2
2.3
1.3
2.0
1.8
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.6
0.4
0.4
0.1
2.4
0.1
0.1
(2)
0.1
5.9
2.7
3.3
7.6
2.8
3.3
4.7
3.6
1.7
2.6
2.9
4.4
7.0
2.9
4.4
2.4
3.1
3.9
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits included
as part of a medical plan.
2 Less than 0.05.
3 Surveyed occupations are classified into wage categories
based on the average wage for the occupation, which may
include workers with earnings both above and below the
threshold. The categories were formed using percentile
estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 19. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2012
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Worker characteristic
All workers ...............................................................
84
13
2
$10
78
20
3
$30
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 ....................
85
85
84
79
96
85
84
85
87
12
12
12
20
–
13
14
12
11
3
3
4
1
–
3
2
3
2
10
10
10
10
10
10
10
10
10
78
80
76
81
94
73
68
75
83
18
17
19
17
–
24
30
21
16
4
3
4
1
–
3
2
4
2
30
30
30
30
35
30
30
30
30
81
91
85
86
83
15
8
14
12
17
3
(4)
1
2
4
( )
10
10
10
10
10
79
85
80
81
78
18
15
19
17
22
3
(4)
1
2
4
( )
25
30
30
30
25
Full time ...................................................................
Part time ..................................................................
85
79
13
18
2
4
10
10
79
64
19
33
3
4
30
25
Union .......................................................................
Nonunion .................................................................
78
85
21
12
2
3
10
10
78
78
20
20
2
3
20
30
Average wage within the following categories:5
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
86
82
85
85
85
11
16
13
12
12
3
2
2
3
3
10
10
10
10
10
78
73
79
80
79
19
25
18
17
17
3
2
2
3
3
30
30
30
30
25
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
85
84
84
14
12
14
2
4
1
10
10
10
80
80
80
18
17
18
2
4
2
30
30
30
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
84
86
94
85
80
68
89
78
77
13
13
6
13
20
29
–
19
19
3
1
–
2
–
3
–
3
3
10
10
10
10
10
10
10
10
10
77
75
91
66
75
57
81
62
59
20
24
9
32
25
40
19
32
35
3
1
–
2
–
3
1
5
6
30
30
25
30
25
25
25
30
30
Establishment characteristic
See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2012—Continued
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
80
73
83
84
85
85
92
87
84
79
79
83
15
25
–
10
–
14
7
11
15
–
–
–
5
2
–
6
–
1
2
2
1
–
–
–
$10
10
10
10
10
10
10
10
10
10
10
10
50
68
82
79
78
79
91
89
77
98
100
84
39
30
–
15
–
20
8
9
22
–
–
–
11
2
–
6
–
1
2
2
1
–
–
–
$30
30
30
30
30
30
25
25
30
25
25
25
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
86
83
92
83
84
81
11
12
–
15
14
17
4
4
–
1
2
1
10
10
10
10
10
10
81
76
90
75
75
76
16
19
–
23
23
22
4
5
–
2
2
2
30
30
30
25
30
25
90
86
80
73
87
82
89
83
86
10
13
16
24
10
18
8
12
13
–
1
4
3
3
1
3
5
1
10
10
10
10
10
10
10
10
10
82
82
73
72
80
74
76
75
81
17
17
23
26
16
25
21
20
18
(4)
2
4
3
3
1
3
5
1
30
30
30
35
30
30
30
25
30
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription
drug benefits included as part of a medical plan.
2 All workers participating in an outpatient prescription drug plan with a generic drug provision
equals 100 percent.
3 All workers participating in an outpatient prescription drug plan with a brand-name drug
provision equals 100 percent.
4 Less than 0.5.
5 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20122013.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2012
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristic
All workers ...............................................................
1.1
1.0
0.6
$0
1.3
1.3
0.6
$0
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 ....................
1.3
1.7
2.0
4.3
2.3
1.6
2.7
1.6
2.2
1.2
1.7
1.3
4.3
–
1.3
2.5
1.3
2.1
1.1
0.9
1.8
0.7
–
0.9
0.9
1.0
0.9
0
0
0
0
0
0
0
0
0
2.1
1.8
3.6
3.5
2.8
1.8
3.5
2.0
3.0
2.3
1.8
3.5
3.4
–
1.7
3.4
1.9
2.9
1.1
1.0
1.8
0.7
–
0.9
1.0
1.1
0.9
0
3
0
0
6
0
2
0
2
5.0
1.8
2.1
2.4
4.0
4.5
1.8
2.2
2.4
4.0
2.1
0.3
0.5
0.8
0.1
0
0
0
0
0
5.7
3.1
2.4
2.6
3.8
5.2
3.0
2.4
2.6
3.7
2.1
0.3
0.6
1.0
0.1
6
3
0
0
3
Full time ...................................................................
Part time ..................................................................
1.1
4.8
1.0
4.3
0.5
1.6
0
0
1.3
4.4
1.4
4.2
0.6
1.6
0
1
Union .......................................................................
Nonunion .................................................................
3.6
1.0
3.3
1.0
0.8
0.6
0
0
3.0
1.3
2.7
1.4
0.8
0.6
5
0
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.7
2.2
1.5
1.2
1.6
2.4
2.2
1.3
1.1
1.4
1.0
0.5
0.7
1.0
1.4
0
0
0
0
0
2.5
2.1
1.8
1.5
1.9
2.3
2.1
1.7
1.6
1.9
1.0
0.5
0.7
1.1
1.4
1
0
0
5
6
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.8
3.9
2.2
1.8
3.4
2.1
0.6
2.0
0.7
0
0
0
2.1
5.0
2.4
2.0
4.5
2.3
0.7
2.0
0.8
0
3
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.2
2.2
1.8
3.1
5.4
5.7
3.6
2.4
2.8
1.1
2.0
1.8
2.6
5.4
5.7
–
2.4
2.8
0.7
0.6
–
1.2
–
1.4
–
0.9
1.1
0
0
0
0
0
1
3
0
0
1.3
2.8
2.4
3.6
5.7
7.2
5.5
3.6
4.2
1.4
2.7
2.4
3.4
5.7
7.1
5.4
2.9
3.4
0.7
0.6
–
1.2
–
1.4
0.6
1.3
1.5
0
2
6
0
1
7
6
0
0
Establishment characteristic
See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2012—Continued
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
Other services ......................................................
3.8
4.8
7.8
2.8
3.9
2.7
2.4
2.9
3.2
10.5
12.0
4.6
3.5
5.0
–
2.5
–
2.7
2.0
2.7
3.2
–
–
–
1.8
1.2
–
2.3
–
0.5
0.9
1.0
0.5
–
–
–
$0
0
0
0
0
0
0
0
0
3
( )
1
(3)
6.5
4.6
8.3
3.0
4.7
4.0
2.7
2.3
4.6
1.7
0.4
4.6
5.4
4.7
–
2.9
–
4.0
2.1
2.0
4.6
–
–
–
2.2
1.3
–
2.4
–
0.5
0.9
1.0
0.5
–
–
–
$0
0
4
0
7
0
0
3
0
5
5
3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.9
2.4
2.6
1.3
1.7
2.0
1.6
2.1
–
1.4
1.6
2.1
1.1
1.5
–
0.3
0.5
0.4
0
0
0
0
0
0
2.5
3.3
2.8
1.6
2.2
2.3
2.3
3.0
–
1.7
2.2
2.2
1.1
1.5
–
0.4
0.5
0.4
0
0
0
2
3
0
2.5
3.0
3.7
3.4
2.6
4.6
2.6
4.1
1.8
2.5
2.8
3.3
3.7
2.0
4.2
2.4
1.6
2.0
–
0.7
1.6
1.3
1.8
0.7
1.2
4.0
0.5
0
0
0
0
0
0
0
0
0
3.2
2.2
4.0
3.6
3.1
4.2
2.8
2.7
4.5
3.5
2.4
3.6
3.4
2.7
3.9
2.8
2.6
4.6
0.3
0.5
1.7
1.3
1.9
0.7
1.3
4.3
0.5
5
2
0
6
0
8
0
2
7
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription
drug benefits included as part of a medical plan.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
3
Less than 0.5.
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 20. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2012
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
Total
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
Median age
service
age or
age or
requirement
requirement requirement
service
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristic
All workers ...............................................................
100
72
56
21
12
15
1
28
–
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 ....................
100
100
100
100
100
100
100
100
63
59
68
84
71
67
72
87
54
53
56
73
58
53
60
61
21
21
21
21
21
21
21
21
12
12
12
12
12
12
12
12
9
6
11
12
9
–
11
25
(1)
(1)
1
–
3
–
2
–
37
41
32
16
29
33
28
–
–
–
–
–
–
–
–
–
100
100
100
100
100
95
77
72
65
79
59
64
44
32
57
–
21
21
21
21
12
12
12
12
12
36
–
27
33
20
–
–
1
–
3
–
–
28
35
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
71
79
56
58
21
21
12
12
15
–
(1)
–
29
21
–
–
Union .......................................................................
Nonunion .................................................................
100
100
85
63
62
52
21
21
12
12
21
10
2
(1)
15
37
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
84
70
71
71
59
56
53
54
58
48
21
21
21
21
21
12
12
12
12
12
–
16
17
13
–
1
–
1
( )
(1)
–
–
30
29
29
41
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
72
98
58
42
61
32
21
–
21
12
12
12
30
37
25
(1)
–
1
28
–
42
–
–
–
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 ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
72
73
47
71
88
84
54
70
70
66
81
68
76
92
79
74
60
53
–
45
79
61
54
66
67
62
76
67
59
–
68
62
21
21
–
–
–
20
–
21
21
21
21
–
21
–
21
21
12
12
–
12
12
12
12
12
12
12
12
12
12
–
12
12
10
15
–
–
–
–
–
–
–
–
–
–
17
52
11
12
1
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
28
27
53
–
–
–
46
30
30
34
19
–
24
–
21
26
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 20. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
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 ............................................
Total
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
requirement requirement
service
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
100
100
100
100
100
100
77
72
85
70
67
72
54
50
62
57
54
58
21
21
21
21
21
21
12
12
12
12
12
12
23
23
23
12
10
14
–
–
–
2
3
1
( )
23
28
–
30
33
28
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
69
76
69
68
68
78
78
60
76
57
56
51
47
57
55
58
55
63
21
21
21
21
21
21
21
21
21
12
12
12
12
12
12
12
12
12
–
20
17
20
–
–
–
–
13
–
–
2
1
–
–
–
–
–
31
24
31
–
–
–
22
40
24
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20122013.htm.
Table 20. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National
Compensation Survey, 2012
Open to new employees
Characteristics
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
requirement requirement
service
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristic
All workers ...............................................................
2.7
2.9
0.0
0.0
1.5
0.4
2.7
–
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 ....................
5.7
9.3
5.1
4.6
3.4
7.0
3.8
4.6
5.6
9.6
5.0
6.1
3.5
7.8
4.1
5.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9
1.5
2.9
2.5
2.2
–
2.4
5.1
0.2
0.3
0.4
–
1.4
–
1.0
–
5.7
9.3
5.1
4.6
3.4
7.0
3.8
–
–
–
–
–
–
–
–
–
3.2
8.2
4.7
6.1
6.4
7.4
8.4
5.0
6.3
7.2
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7.5
–
4.2
5.4
5.7
–
–
0.6
–
1.4
–
–
4.7
6.1
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.9
4.4
3.2
4.1
0.0
0.0
0.0
0.0
1.7
–
0.1
–
2.9
4.4
–
–
Union .......................................................................
Nonunion .................................................................
2.9
4.0
3.6
4.6
0.0
0.0
0.0
0.0
2.7
2.0
1.1
0.1
2.9
4.0
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.5
4.2
3.1
3.7
6.5
5.9
4.2
4.0
3.9
6.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
3.3
2.8
1.7
–
–
0.5
0.3
0.1
–
–
4.2
3.1
3.7
6.5
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.7
1.7
5.0
4.2
8.4
6.1
0.0
–
0.0
0.0
0.0
0.0
4.4
8.1
4.5
0.2
–
0.3
3.7
–
5.0
–
–
–
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 ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
3.2
5.2
13.9
7.5
6.9
7.5
6.7
4.0
4.5
6.1
5.6
16.5
4.8
2.8
4.1
5.5
3.1
4.5
–
6.7
7.3
9.1
6.7
3.8
4.2
6.8
6.9
16.4
5.4
–
5.8
6.2
0.0
0.0
–
–
–
1.1
–
0.0
0.0
0.0
0.0
–
0.0
–
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
1.2
3.2
–
–
–
–
–
–
–
–
–
–
3.1
14.1
3.0
1.9
0.6
2.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.2
5.2
13.9
–
–
–
6.7
4.0
4.5
6.1
5.6
–
4.8
–
4.1
5.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 20. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National
Compensation Survey, 2012—Continued
Open to new employees
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 ............................................
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
requirement requirement
service
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
3.9
5.0
4.8
3.4
7.1
2.7
4.0
4.7
5.6
3.5
6.8
3.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.5
6.1
6.5
1.4
1.8
2.1
–
–
–
0.6
1.4
0.2
3.9
5.0
–
3.4
7.1
2.7
–
–
–
–
–
–
6.7
5.1
4.6
10.8
11.1
10.5
6.3
10.2
5.5
8.5
5.4
4.9
9.4
11.9
8.7
7.8
11.3
6.2
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
2.7
4.8
4.5
–
–
–
–
1.7
–
–
1.0
0.6
–
–
–
–
–
6.7
5.1
4.6
–
–
–
6.3
10.2
5.5
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 21. Defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2012
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Single
employer
Total
Multiemployer1
Other
Worker characteristic
All workers ...............................................................
100
73
–
–
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 ....................
100
100
100
100
100
100
100
100
89
95
83
–
78
61
82
–
–
–
–
55
–
39
–
50
–
–
–
–
–
–
–
–
100
100
100
100
100
–
83
68
72
64
83
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
76
52
–
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
–
92
54
–
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
–
70
72
79
83
65
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
62
–
88
–
86
–
–
–
–
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 ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
76
57
63
27
83
93
100
93
96
99
93
87
83
–
86
88
–
–
–
73
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 21. Defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in defined benefit plans = 100 percent)
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 ............................................
Single
employer
Total
Multiemployer1
Other
100
100
100
100
100
100
59
62
53
78
68
85
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
86
65
74
65
88
73
85
77
60
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Plans established by a labor organization and provided
to employees of two or more unrelated companies in
accordance with a collective bargaining agreement.
2 Surveyed occupations are classified into wage
categories based on the average wage for the occupation,
which may include workers with earnings both above and
below the threshold. The categories were formed using
percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not
equal totals. Dashes indicate that no data were reported or
that data do 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/glossary20122013.htm.
Table 21. Standard errors for defined benefit plans: Plan sponsor,
private industry workers, National Compensation Survey, 2012
Characteristics
Single
employer
Multiemployer1
Other
Worker characteristic
All workers ...............................................................
2.4
–
–
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 ....................
3.5
1.7
6.0
–
3.4
6.3
3.2
–
–
–
–
8.4
–
6.3
–
6.7
–
–
–
–
–
–
–
–
–
5.5
4.7
7.1
6.2
4.8
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.6
6.7
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
2.6
4.2
–
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
4.5
2.9
2.8
5.7
6.3
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.0
–
3.7
–
5.9
–
–
–
–
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 ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
2.7
5.0
14.7
6.3
9.0
4.9
0.0
3.6
1.7
0.7
4.5
11.1
3.3
–
8.4
2.0
–
–
–
6.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 21. Standard errors for defined benefit plans: Plan sponsor,
private industry workers, National Compensation Survey,
2012—Continued
Single
employer
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 ............................................
Multiemployer1
Other
4.6
6.7
7.9
2.6
4.5
2.9
–
–
–
–
–
–
–
–
–
–
–
–
10.5
3.4
7.7
5.9
5.1
7.9
7.0
7.2
8.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Plans established by a labor organization and
provided to employees of two or more unrelated
companies in accordance with a collective bargaining
agreement.
2 Surveyed occupations are classified into wage
categories based on the average wage for the
occupation, which may include workers with earnings
both above and below the threshold. The categories
were formed using percentile estimates generated
using data from the National Compensation Survey
publication, "Employer Costs for Employee
Compensation - March 2012."
Note: Dashes indicate that no data were reported or
that data do 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/glossary20122013.htm.
Table 22. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2012
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
Total
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
Worker characteristic
All workers ...............................................................
100
69
31
6
24
9
31
27
4
–
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 ....................
100
100
100
100
100
100
100
100
60
55
64
87
58
65
57
81
48
46
50
34
26
–
30
–
8
–
–
–
4
–
4
–
2
–
–
36
22
40
17
43
2
–
2
–
7
–
5
25
40
45
36
13
42
35
43
19
37
44
32
12
39
35
40
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
–
–
85
81
–
–
12
20
25
14
–
–
–
–
–
36
51
48
40
58
40
–
–
–
–
–
–
15
19
–
–
–
11
13
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
68
82
32
22
6
–
21
44
8
–
32
18
29
15
4
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
89
56
–
42
–
8
54
–
17
–
11
44
–
41
4
–
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
78
69
72
66
63
–
24
34
35
44
–
–
–
6
–
42
32
24
19
–
–
–
–
6
2
22
31
28
34
37
–
28
24
30
33
–
–
–
4
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
82
–
79
29
–
42
–
–
–
30
–
27
–
42
–
18
–
21
9
–
14
8
–
–
–
–
–
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 ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
65
88
–
–
–
–
72
41
40
23
66
–
63
–
–
60
31
24
–
–
28
72
–
31
33
20
58
–
48
–
42
52
6
–
–
–
–
–
–
–
–
–
–
–
–
68
30
–
22
47
–
64
56
–
46
–
–
–
–
–
–
–
–
–
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
35
12
–
–
–
–
28
59
60
77
34
–
37
–
–
40
32
12
–
–
–
–
27
57
58
75
31
–
32
–
–
35
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 22. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2012—Continued
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
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 ............................................
Total
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
100
100
100
100
100
100
73
69
81
68
69
67
17
18
–
36
31
39
–
–
–
5
–
–
32
26
45
21
22
20
–
–
–
6
–
–
27
31
19
32
31
33
24
30
–
28
27
29
–
–
–
4
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
–
68
77
73
56
–
65
70
76
29
30
31
27
–
38
39
34
34
–
–
–
–
–
–
–
–
–
–
21
27
24
22
–
–
25
29
–
–
–
–
–
–
–
–
–
–
32
23
27
44
–
35
30
24
–
29
22
–
43
–
29
27
18
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
Benefits are based on a dollar amount per month for each year of service recognized by the
plan.
2
Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20122013.htm.
Table 22. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation
Survey, 2012
Traditional plan formula
Characteristics
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Percent of
employer
contribution
Nontraditional
Cash
balance
Pension
equity
Other
Worker characteristic
All workers ...............................................................
2.6
2.4
1.5
2.1
1.4
2.6
2.7
0.9
–
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 ....................
5.4
9.4
6.0
3.2
3.7
6.0
3.7
3.7
5.4
8.9
5.9
7.4
2.7
–
3.3
–
2.1
–
–
–
0.9
–
1.0
–
0.6
–
–
10.2
3.0
7.4
2.9
6.7
0.6
–
0.5
–
1.7
–
1.6
5.6
5.4
9.4
6.0
3.2
3.7
6.0
3.7
3.7
5.6
9.6
6.0
3.1
3.7
6.0
3.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.4
5.0
–
–
3.5
3.6
5.2
4.0
–
–
–
–
–
10.7
9.0
5.1
6.2
6.7
9.3
–
–
–
–
–
–
3.4
5.0
–
–
–
2.3
3.6
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.9
3.5
2.5
4.0
1.5
–
2.0
6.2
1.5
–
2.9
3.5
2.9
3.3
0.9
–
–
–
Union .......................................................................
Nonunion .................................................................
2.1
4.0
–
3.6
–
1.9
3.6
–
2.8
–
2.1
4.0
–
4.3
1.2
–
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.8
3.4
3.4
4.4
6.0
–
3.2
3.0
3.6
6.5
–
–
–
1.7
–
6.2
4.7
2.7
3.1
–
–
–
–
1.1
0.6
4.8
3.4
3.4
4.4
6.0
–
3.3
3.1
4.5
6.0
–
–
–
1.1
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.8
–
3.8
4.4
–
5.2
–
–
–
4.4
–
4.7
–
10.5
–
2.8
–
3.8
2.1
–
2.9
2.2
–
–
–
–
–
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 ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
3.2
3.2
–
–
–
–
5.3
4.7
4.0
5.2
6.9
–
7.2
–
–
7.4
3.0
4.3
–
–
7.2
6.9
–
3.6
3.5
4.9
6.6
–
5.9
–
8.1
7.2
1.5
–
–
–
–
–
–
–
–
–
–
–
–
9.8
5.0
–
2.6
5.9
–
7.9
11.0
–
7.8
–
–
–
–
–
–
–
–
–
1.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.2
3.2
–
–
–
–
5.3
4.7
4.0
5.2
6.9
–
7.2
–
–
7.4
3.3
3.2
–
–
–
–
5.2
4.7
4.0
5.5
6.9
–
7.4
–
–
7.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 22. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation
Survey, 2012—Continued
Traditional plan formula
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 ............................................
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
4.0
6.1
5.5
3.1
6.8
3.0
3.0
3.9
–
3.5
7.0
2.6
–
–
–
1.3
–
–
5.5
6.9
9.9
2.3
3.0
3.0
–
–
–
1.4
–
–
4.0
6.1
5.5
3.1
6.8
3.0
4.0
6.1
–
3.2
6.8
3.0
–
–
–
1.1
–
–
–
–
–
–
–
–
–
7.5
4.9
5.8
8.4
–
3.3
7.2
3.5
5.4
4.7
5.5
3.1
–
10.4
8.8
7.6
6.4
–
–
–
–
–
–
–
–
–
–
3.7
5.3
7.2
4.0
–
–
7.3
5.4
–
–
–
–
–
–
–
–
–
–
7.5
4.9
5.8
8.4
–
3.3
7.2
3.5
–
7.7
4.8
–
8.3
–
4.4
6.4
4.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Benefits are based on a dollar amount per month for each year of service recognized by
the plan.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 23. Defined contribution plans: Type of plan,1 private industry workers, National Compensation
Survey, 2012
(All workers participating in defined contribution plans = 100 percent)
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
Worker characteristic
All workers ...............................................................
74
23
4
18
–
–
–
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 ....................
74
79
72
66
77
82
75
67
20
24
17
28
26
25
27
20
–
–
2
–
5
–
5
–
21
14
26
18
11
4
14
21
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
46
77
73
72
74
–
24
22
23
22
–
–
–
–
–
44
–
19
18
22
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
74
73
23
18
3
–
18
17
–
–
3
–
–
–
Union .......................................................................
Nonunion .................................................................
64
75
16
23
–
4
34
16
–
–
–
–
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
77
83
71
74
75
75
24
–
24
23
21
25
–
–
3
3
4
–
9
–
15
16
22
23
–
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
70
49
75
20
–
21
–
–
–
19
34
16
–
–
–
–
–
–
–
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
75
83
72
87
86
97
92
82
85
86
83
76
77
58
28
29
65
24
25
24
26
26
–
23
26
28
33
21
29
–
18
–
–
20
3
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
17
8
–
–
–
–
–
15
15
9
22
–
–
37
67
83
31
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 23. Defined contribution plans: Type of plan,1 private industry workers, National Compensation
Survey, 2012—Continued
(All workers participating in defined contribution plans = 100 percent)
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 ............................................
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
69
66
76
77
79
74
27
28
24
20
22
18
3
4
–
4
–
–
13
14
–
20
11
31
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
75
72
69
69
74
74
77
85
74
–
17
28
12
22
31
17
32
31
–
–
–
–
–
–
–
–
5
23
25
18
18
17
–
20
–
14
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Sum of individual items may be greater than total because multiple plans are
available to some employees.
2 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 23. Standard errors for defined contribution plans: Type of plan, private industry workers, National
Compensation Survey, 2012
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
Worker characteristic
All workers ...............................................................
1.9
1.7
0.7
1.3
–
–
–
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 ....................
2.5
2.9
3.3
8.3
2.0
2.8
2.3
4.5
2.5
3.7
2.3
7.6
2.1
4.1
2.2
4.6
–
–
0.5
–
1.1
–
1.3
–
2.0
1.9
2.9
3.9
1.2
1.1
1.6
4.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
8.2
3.6
2.7
4.0
3.6
–
5.6
2.9
4.2
3.9
–
–
–
–
–
9.8
–
2.9
3.4
3.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.8
6.6
1.8
3.2
0.6
–
1.3
3.4
–
–
0.7
–
–
–
Union .......................................................................
Nonunion .................................................................
4.7
1.9
3.8
1.9
–
0.7
4.7
1.2
–
–
–
–
–
–
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 ...........................................
4.8
7.5
4.1
2.4
2.2
3.0
4.7
–
2.5
2.3
2.2
3.1
–
–
0.9
1.0
1.0
–
2.4
–
2.6
1.9
1.8
3.2
–
–
–
–
–
–
–
–
–
0.8
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.3
7.9
3.3
3.2
–
3.9
–
–
–
3.0
8.3
2.7
–
–
–
–
–
–
–
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
2.2
2.4
6.0
3.3
4.5
2.0
3.3
2.0
1.8
2.0
4.6
4.6
5.5
5.4
4.2
3.8
6.8
2.0
3.4
6.1
4.7
6.8
–
6.1
3.2
3.8
5.9
4.9
6.4
–
4.7
–
–
5.6
0.7
1.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.5
1.9
–
–
–
–
–
2.7
2.4
2.3
5.1
–
–
4.3
7.0
4.3
4.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 23. Standard errors for defined contribution plans: Type of plan, private industry workers, National
Compensation Survey, 2012—Continued
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 ............................................
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
3.2
3.9
4.1
2.1
3.1
2.7
2.9
3.4
5.0
2.2
3.1
3.0
0.8
1.0
–
0.9
–
–
2.2
2.6
–
1.3
1.6
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.9
3.8
5.8
9.9
5.2
8.2
4.5
2.3
2.9
–
4.5
4.1
3.6
5.8
6.7
2.6
4.5
4.9
–
–
–
–
–
–
–
–
1.3
6.5
4.2
3.4
4.0
3.2
–
4.3
–
2.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 24. Savings and thrift plans: Summary of provisions,1 private industry workers, National
Compensation Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristic
All workers ...............................................................
100
43
33
11
87
83
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 ....................
100
100
100
100
100
100
100
100
100
47
50
45
23
–
43
33
48
57
34
36
33
41
–
31
26
33
31
10
10
10
–
–
10
9
10
–
88
89
87
82
97
86
89
84
89
86
87
85
80
97
82
86
81
77
100
100
100
100
100
46
61
37
33
42
–
34
34
29
41
–
–
15
11
21
85
90
87
88
85
77
77
84
85
83
Full time ...................................................................
Part time ..................................................................
100
100
44
29
34
29
10
13
86
89
83
87
Union .......................................................................
Nonunion .................................................................
100
100
61
42
29
34
–
11
91
86
77
84
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 ...........................................
100
100
100
100
100
100
22
–
35
42
54
55
23
–
35
34
35
37
–
–
11
13
9
9
86
79
85
87
87
89
83
75
84
84
83
86
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
40
41
34
35
9
11
84
83
81
80
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
44
42
37
32
61
88
74
57
59
64
48
54
54
23
23
–
23
33
34
42
24
53
–
37
31
32
24
46
41
34
31
–
–
32
11
12
–
10
–
–
–
12
13
–
21
–
–
–
–
–
–
87
89
80
92
94
86
99
87
89
91
88
88
82
–
–
–
82
84
86
–
88
94
–
83
83
85
89
85
88
81
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 24. Savings and thrift plans: Summary of provisions,1 private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
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 ............................................
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
100
100
100
100
100
100
44
45
43
43
40
46
31
32
30
35
31
40
10
10
–
11
8
14
83
81
87
89
94
83
79
77
83
86
90
81
100
100
100
100
100
100
100
100
100
49
41
41
40
42
40
36
52
51
29
30
38
49
30
28
22
39
37
–
–
8
16
11
–
9
–
12
92
86
82
82
85
92
91
84
90
82
83
81
78
83
90
89
83
84
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not receiving the benefit as
well as those workers where the availability of the benefit is not determinable.
For example, 43 percent of all workers have a post-tax contribution. The
remaining 57 percent either do not have the provision or information on the
provision is not available.
2 Under these plans, employees are allowed to have part or all of their
retirement plan post-tax contributions grow tax free as under a Roth IRA plan.
3 The employer automatically enrolls employees in the plan at a specified
rate of contribution (e.g., 3 percent of earnings), unless the employee opts out
of the plan.
4 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 24. Standard errors for savings and thrift plans: Summary of provisions,1 private industry
workers, National Compensation Survey, 2012
Characteristics
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristic
All workers ...............................................................
0.0
1.8
2.0
1.1
1.5
1.4
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 ....................
4
( )
(4)
(4)
(4)
0.0
0.0
0.0
(4)
(4)
3.2
4.0
4.0
5.5
–
2.2
3.9
2.6
5.8
2.9
3.8
3.3
7.7
–
2.6
4.0
3.5
5.2
1.9
1.6
2.5
–
–
1.4
2.4
1.6
–
1.9
2.4
2.2
4.8
2.2
2.1
2.9
2.4
3.2
1.9
2.4
2.3
4.9
2.4
2.0
2.9
2.5
5.4
0.0
0.0
(4)
0.0
0.0
10.3
6.8
4.1
4.4
6.1
–
6.5
3.7
4.0
5.2
–
–
2.9
2.8
4.9
8.8
3.4
2.3
2.9
4.4
10.7
6.7
2.5
3.1
4.5
Full time ...................................................................
Part time ..................................................................
(4)
0.0
1.8
4.3
2.0
4.2
1.1
2.8
1.5
3.3
1.5
3.1
Union .......................................................................
Nonunion .................................................................
(4)
0.0
5.6
1.9
5.7
2.2
–
1.2
2.3
1.6
5.4
1.6
Average wage within the following categories:5
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
(4)
0.0
0.0
(4)
2.8
–
2.6
3.0
2.6
3.6
5.8
–
3.0
2.6
2.9
3.8
–
–
1.5
2.0
1.9
1.9
3.4
11.3
1.9
1.9
2.0
3.0
3.4
11.3
1.9
2.0
1.9
2.9
Goods-producing industries .....................................
Manufacturing ......................................................
0.0
0.0
3.8
4.4
3.8
3.9
1.8
2.2
3.5
3.9
3.4
4.0
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
0.0
0.0
0.0
0.0
(4)
0.0
(4)
0.0
0.0
(4)
(4)
0.0
0.0
0.0
0.0
0.0
0.0
2.2
3.7
8.6
4.5
8.6
7.2
7.9
4.0
3.9
5.7
5.4
5.6
7.8
5.4
5.0
–
5.8
2.0
3.0
7.3
4.1
8.3
–
6.5
3.3
3.5
6.2
5.6
5.9
8.1
5.8
–
–
6.4
1.2
2.1
–
2.5
–
–
–
2.4
2.5
–
5.9
–
–
–
–
–
–
1.6
2.1
4.5
2.0
6.0
5.1
0.8
1.9
2.3
3.2
4.3
3.9
6.4
–
–
–
4.4
1.5
2.3
–
2.2
6.0
–
6.8
2.3
2.5
3.3
4.5
4.0
6.4
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 24. Standard errors for savings and thrift plans: Summary of provisions,1 private industry
workers, National Compensation Survey, 2012—Continued
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 ............................................
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
0.0
0.0
0.0
0.0
0.0
(4)
3.7
4.5
6.4
2.1
3.3
3.0
3.5
4.1
5.1
2.4
3.4
3.0
2.0
2.1
–
1.4
1.9
2.5
2.7
3.3
3.7
1.7
1.3
3.4
2.5
3.4
4.5
1.7
1.6
3.5
0.0
0.0
(4)
0.0
0.0
0.0
(4)
0.0
0.0
5.1
4.5
5.7
7.0
3.7
5.8
4.2
6.3
4.6
5.2
6.7
3.7
3.1
5.9
5.6
3.1
7.6
3.2
–
–
1.6
4.5
3.3
–
2.6
–
3.6
3.7
3.7
3.3
3.8
5.6
5.4
2.2
5.6
3.3
2.1
3.3
3.2
5.7
5.2
5.3
2.6
5.4
3.2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The remaining workers include both workers not receiving the benefit as
well as those workers where the availability of the benefit is not determinable.
For example, 43 percent of all workers have a post-tax contribution. The
remaining 57 percent either do not have the provision or information on the
provision is not available.
2 Under these plans, employees are allowed to have part or all of their
retirement plan post-tax contributions grow tax free as under a Roth IRA plan.
3 The employer automatically enrolls employees in the plan at a specified
rate of contribution (e.g., 3 percent of earnings), unless the employee opts out
of the plan.
4 Less than 0.05.
5 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 25. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
Total
Automatic
Automatic
Default contribution as percent of earnings
Default
Default
enrollment
Not
Other
enrollment
contribution
contribution
not
determinable
default
available
50th
as percent
10th
25th
75th
90th
not
available
contribution2
percentile
of earnings percentile percentile
percentile percentile
determinable
(median)
Worker characteristic
All workers ...............................................................
100
33
33
2.0
3.0
3.0
3.0
5.0
–
–
60
6
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 ....................
100
100
100
100
100
100
100
100
100
34
36
33
41
–
31
26
33
31
34
35
33
40
–
30
25
32
31
2.0
2.0
2.0
2.0
–
2.0
1.0
2.0
2.0
3.0
3.0
3.0
–
–
3.0
–
3.0
2.0
3.0
3.0
3.0
3.0
–
3.0
3.0
3.0
3.0
3.0
–
3.0
4.0
–
3.0
3.0
3.0
3.0
5.0
5.0
4.0
–
–
5.0
3.0
5.0
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
1
–
1
58
55
61
54
–
63
69
60
64
7
9
6
5
2
6
6
7
5
100
100
100
100
100
–
34
34
29
41
–
34
33
28
41
–
2.0
2.0
2.0
3.0
–
2.0
3.0
–
3.0
–
3.0
3.0
3.0
3.0
–
3.0
3.0
3.0
3.0
–
–
4.0
4.0
3.0
–
–
–
–
–
4
–
1
1
3
( )
76
61
60
66
52
–
5
5
5
6
Full time ...................................................................
Part time ..................................................................
100
100
34
29
33
28
2.0
1.0
3.0
2.0
3.0
3.0
3.0
3.0
5.0
3.0
–
–
–
1
60
64
6
7
Union .......................................................................
Nonunion .................................................................
100
100
29
34
28
33
2.0
2.0
–
3.0
3.0
3.0
3.0
3.0
–
5.0
–
–
1
–
68
60
3
7
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 ...........................................
100
100
100
100
100
100
23
–
35
34
35
37
22
–
34
33
34
36
–
–
2.0
2.0
2.0
–
2.0
–
–
3.0
3.0
3.0
–
–
3.0
3.0
3.0
3.0
–
–
3.0
3.0
3.0
3.0
4.0
–
–
5.0
5.0
5.0
–
–
–
–
–
–
1
3
1
–
–
–
72
89
60
60
58
56
6
–
5
6
7
7
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
34
35
32
33
2.0
2.0
2.0
2.0
3.0
3.0
3.0
3.0
4.0
4.0
–
–
2
2
60
58
7
8
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
33
34
42
24
53
–
37
31
32
24
46
41
34
31
–
–
32
33
32
42
23
50
–
36
30
31
23
45
41
34
30
–
–
32
2.0
–
3.0
1.0
3.0
–
2.0
–
3.0
–
3.0
3.0
–
2.0
–
–
2.0
3.0
3.0
3.0
–
3.0
–
–
3.0
3.0
3.0
3.0
3.0
3.0
–
–
–
–
3.0
3.0
3.0
–
3.0
–
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
–
–
3.0
3.0
3.0
3.0
3.0
3.0
–
3.0
3.0
3.0
–
–
–
3.0
–
–
–
–
5.0
3.0
–
3.0
3.0
–
7.0
5.0
5.0
6.0
5.0
5.0
–
4.0
–
–
4.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
1
3
–
1
1
1
(3)
1
(3)
–
–
–
–
1
60
60
56
69
41
75
63
58
57
68
48
54
61
62
–
–
63
6
6
3
7
6
–
3
( )
12
11
9
6
5
5
7
–
–
5
Establishment characteristic
See footnotes at end of table.
Table 25. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
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 ............................................
Total
Automatic
Automatic
Default contribution as percent of earnings
Default
Default
enrollment
Not
Other
enrollment
contribution
contribution
not
determinable
default
available
50th
as percent
10th
25th
75th
90th
not
available
contribution2
percentile
of earnings percentile percentile
percentile percentile
determinable
(median)
100
100
100
100
100
100
31
32
30
35
31
40
31
31
30
34
30
38
2.0
2.0
–
2.0
–
2.0
–
–
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
–
–
–
5.0
4.0
5.0
–
–
–
–
–
–
1
1
( )
–
1
–
62
61
66
59
64
53
6
7
4
6
5
8
100
100
100
100
100
100
100
100
100
29
30
38
49
30
28
22
39
37
25
28
38
46
29
28
22
39
37
–
2.0
2.0
2.0
2.0
2.0
–
–
–
3.0
3.0
–
3.0
–
–
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
–
3.0
3.0
3.0
–
–
–
4.0
–
–
–
–
4.0
5.0
5.0
–
–
–
–
–
–
–
–
–
–
2
1
3
1
–
(3)
–
–
61
60
51
45
67
66
75
58
57
10
10
11
6
3
6
3
3
6
3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of
earnings), unless the employee opts out of the plan.
2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts based
on employee length of service, or other methods.
3 Less than 0.5.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,
which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were
reported or that data do 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/glossary20122013.htm.
Table 25. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2012
With automatic enrollment
Characteristics
Automatic
Automatic
Default contribution as percent of earnings
Default
Default
enrollment
Not
Other
enrollment
contribution
contribution
not
determinable
default
available
50th
as percent
10th
25th
75th
90th
not
available
contribution2
percentile
of earnings percentile percentile
percentile percentile
determinable
(median)
Worker characteristic
All workers ...............................................................
2.0
1.9
0.0
0.0
0.0
0.0
1.3
–
–
1.9
0.8
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 ....................
2.9
3.8
3.3
7.7
–
2.6
4.0
3.5
5.2
2.9
3.8
3.3
7.6
–
2.5
3.9
3.4
5.3
0.0
0.4
0.0
0.0
–
0.5
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.7
0.2
–
0.0
1.2
–
0.0
0.0
0.0
0.0
0.7
0.0
0.5
–
–
0.9
0.0
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
0.6
–
–
0.8
–
0.8
3.3
4.4
3.5
8.6
–
2.5
4.1
3.1
5.6
1.4
2.5
1.1
2.0
2.0
1.1
1.8
1.4
1.9
–
6.5
3.7
4.0
5.2
–
6.5
3.7
3.9
5.2
–
0.0
0.0
0.0
0.8
–
0.0
0.0
–
0.0
–
0.2
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
–
–
1.1
0.5
0.7
–
–
–
–
–
3.4
–
0.6
0.9
0.3
8.2
6.8
3.9
4.5
5.6
–
2.4
1.7
2.0
2.9
Full time ...................................................................
Part time ..................................................................
2.0
4.2
2.0
4.1
0.0
0.2
0.0
0.4
0.0
0.0
0.0
0.0
1.0
0.0
–
–
–
0.5
1.9
4.3
0.8
3.0
Union .......................................................................
Nonunion .................................................................
5.7
2.2
5.7
2.1
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
–
1.1
–
–
0.8
–
5.2
2.0
2.0
0.9
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 ...........................................
5.8
–
3.0
2.6
2.9
3.8
5.8
–
2.9
2.6
2.9
3.8
–
–
0.0
0.0
0.0
–
0.0
–
–
0.0
0.0
0.0
–
–
0.0
0.0
0.0
0.0
–
–
0.0
0.0
0.0
0.0
0.2
–
–
1.2
1.1
0.9
–
–
–
–
–
–
0.5
2.6
0.4
–
–
–
5.6
4.3
2.8
2.7
3.2
4.0
2.1
–
1.2
1.3
1.2
2.2
Goods-producing industries .....................................
Manufacturing ......................................................
3.8
3.9
3.7
3.8
0.0
0.2
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.9
1.0
3.8
3.9
2.6
3.0
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
2.0
3.0
7.3
4.1
8.3
–
6.5
3.3
3.5
6.2
5.6
5.9
8.1
5.8
–
–
6.4
1.9
3.0
7.3
4.1
8.6
–
6.6
3.3
3.5
6.2
5.6
5.9
8.1
5.7
–
–
6.2
0.0
–
0.7
0.0
0.0
–
0.2
–
0.7
–
0.5
0.2
–
0.0
–
–
0.0
0.0
0.2
0.0
–
0.0
–
–
0.0
0.0
0.0
0.0
0.0
0.1
–
–
–
–
0.0
0.0
0.0
–
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.6
0.8
–
–
–
0.0
–
–
–
–
0.9
0.0
–
0.0
0.0
–
1.1
0.0
0.2
1.7
0.0
0.0
–
0.0
–
–
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
–
1.1
2.9
–
0.6
0.4
0.5
0.2
1.3
0.3
–
–
–
–
0.5
2.0
3.4
7.7
4.2
9.6
7.0
6.5
3.7
4.3
6.2
6.1
6.2
8.7
6.2
–
–
6.9
0.8
1.8
2.7
2.0
6.0
–
0.2
2.4
3.1
3.6
2.3
1.8
2.8
1.8
–
–
1.6
Establishment characteristic
See footnotes at end of table.
Table 25. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey,
2012—Continued
With automatic enrollment
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 ............................................
Automatic
Automatic
Default contribution as percent of earnings
Default
Default
Not
enrollment
enrollment
Other
contribution
contribution
determinable
not
50th
available
default
as percent
10th
25th
75th
90th
not
available
percentile
contribution2
of earnings percentile percentile
percentile percentile
determinable
(median)
3.5
4.1
5.1
2.4
3.4
3.0
3.6
4.1
5.3
2.3
3.2
3.0
0.0
0.0
–
0.0
–
0.0
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
–
–
–
1.1
0.8
0.8
–
–
–
–
–
–
0.4
0.5
0.4
–
0.5
–
3.7
4.4
4.9
2.4
3.5
3.2
1.4
1.9
1.4
1.1
1.2
2.0
5.2
6.7
3.7
3.1
5.9
5.6
3.1
7.6
3.2
6.7
5.3
3.8
2.5
5.9
5.6
3.1
7.6
3.2
–
0.0
0.0
0.0
0.0
0.0
–
–
–
0.0
0.2
–
0.0
–
–
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
–
0.0
0.0
0.4
–
–
–
0.9
–
–
–
–
0.6
0.6
0.0
–
–
–
–
–
–
–
–
–
–
1.6
0.4
2.1
0.4
–
0.2
–
–
5.3
6.3
4.0
3.3
5.7
4.2
3.0
7.9
3.8
3.7
2.4
2.9
1.7
2.2
4.0
1.5
1.2
1.8
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3
percent of earnings), unless the employee opts out of the plan.
2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts
based on employee length of service, or other methods.
3 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 26. Savings and thrift plans: Automatic escalation features, private industry workers, National
Compensation Survey, 2012
(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)
Automatic escalation features1
Characteristics
Total
Employee
Automatic
contribution
Median
escalation
escalates for number of
available
predeterminyears of
ed number of escalation
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
percent of
earnings
after
maximum
escalation
Automatic
escalation
not
available
Not
determinable
Worker characteristic
All workers ...............................................................
100
32
21
3
22
6.0
65
3
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 ....................
100
100
100
100
100
100
100
100
100
28
27
29
–
–
32
35
30
–
21
21
21
–
–
16
–
18
–
3
3
3
–
–
3
–
3
–
18
20
17
–
–
21
29
19
–
–
–
–
–
–
6.0
6.0
6.0
–
69
71
68
58
–
63
60
64
82
3
2
3
–
–
5
5
5
–
100
100
100
100
100
–
–
43
36
50
–
–
25
26
–
–
–
3
3
–
–
–
36
–
49
–
–
6.0
–
6.0
99
79
54
58
49
–
–
3
6
1
Full time ...................................................................
Part time ..................................................................
100
100
31
44
22
–
3
–
21
42
6.0
6.0
66
52
3
4
Union .......................................................................
Nonunion .................................................................
100
100
–
33
–
21
–
3
–
23
–
6.0
83
64
–
4
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 ...........................................
100
100
100
100
100
100
–
–
33
37
26
25
–
–
20
23
21
21
–
–
3
3
3
3
–
–
26
24
17
18
–
–
6.0
6.0
–
–
61
–
63
59
71
73
–
–
4
4
2
2
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
28
32
17
19
–
–
16
19
–
–
68
63
4
5
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
33
37
–
40
–
–
–
39
40
–
46
33
–
–
–
–
22
16
–
–
–
–
–
35
36
–
44
–
–
–
–
–
3
3
–
–
–
–
–
3
3
–
3
–
–
–
–
–
24
32
–
38
–
–
–
24
26
–
–
–
–
–
–
–
6.0
6.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
64
59
64
55
–
100
89
58
57
67
51
66
61
65
–
67
3
5
–
5
5
–
–
3
3
–
3
1
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 26. Savings and thrift plans: Automatic escalation features, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)
Automatic escalation features1
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 ............................................
Total
Employee
Automatic
contribution
Median
escalation
escalates for number of
available
predeterminyears of
ed number of escalation
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
percent of
earnings
after
maximum
escalation
Automatic
escalation
not
available
Not
determinable
100
100
100
100
100
100
33
31
–
31
26
36
19
16
–
22
–
31
3
3
–
3
–
3
27
22
–
20
20
20
6.0
6.0
–
6.0
–
6.0
64
67
57
66
71
60
3
2
–
4
3
4
100
100
100
100
100
100
100
100
100
–
39
22
34
–
35
41
–
34
–
36
13
25
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
16
–
–
–
40
–
–
–
–
6.0
–
–
–
6.0
–
–
–
54
76
60
59
63
57
85
66
12
6
1
7
–
2
2
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The sum of the individual components may exceed the total because some
workers may be in plans in which employee contribution is escalated based on both
years of service and as a specified percent of earnings.
2 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates generated
using data from the National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes
indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 26. Standard errors for savings and thrift plans: Automatic escalation features, private industry
workers, National Compensation Survey, 2012
Automatic escalation features1
Characteristics
Employee
Automatic
Median
contribution
escalation
escalates for number of
available
years of
predetermined number of escalation
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
percent of
earnings
after
maximum
escalation
Automatic
escalation
not
available
Not
determinable
Worker characteristic
All workers ...............................................................
2.9
2.4
0.0
2.9
0.0
3.0
1.0
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 ....................
5.2
4.8
6.7
–
–
4.3
8.6
4.4
–
4.7
3.7
6.4
–
–
2.8
–
3.2
–
0.0
0.0
0.0
–
–
0.0
–
0.0
–
4.0
4.3
5.0
–
–
4.0
8.5
3.7
–
–
–
–
–
–
0.0
0.0
0.0
–
5.0
5.0
6.5
13.1
–
4.8
9.3
4.9
6.4
1.0
1.3
1.1
–
–
2.3
3.2
2.2
–
–
–
7.1
7.4
10.3
–
–
4.9
7.1
–
–
–
0.0
0.0
–
–
–
7.0
–
10.3
–
–
0.0
–
0.0
0.9
7.7
7.1
7.6
10.3
–
–
1.9
3.1
0.7
Full time ...................................................................
Part time ..................................................................
2.9
10.0
2.5
–
0.0
–
3.0
10.2
0.0
0.0
3.0
9.9
1.0
1.8
Union .......................................................................
Nonunion .................................................................
–
3.1
–
2.6
–
0.0
–
3.2
–
0.0
5.6
3.3
–
1.0
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
4.9
4.8
4.8
–
–
3.3
3.8
4.5
4.5
–
–
0.0
0.0
0.0
0.0
–
–
4.3
4.4
3.7
4.7
–
–
0.0
0.0
–
–
14.1
–
5.1
4.9
4.6
4.8
–
–
1.6
1.6
0.8
0.8
Goods-producing industries .....................................
Manufacturing ......................................................
4.8
5.4
3.9
4.7
–
–
4.4
4.8
–
–
5.2
5.8
2.5
2.8
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Healthcare and social assistance ....................
3.4
6.2
–
11.3
–
–
–
7.3
7.5
–
11.1
9.3
–
–
–
–
2.9
3.9
–
–
–
–
–
7.2
7.4
–
11.1
–
–
–
–
–
0.0
0.0
–
–
–
–
–
0.0
0.0
–
0.0
–
–
–
–
–
3.4
6.0
–
11.2
–
–
–
5.4
5.6
–
–
–
–
–
–
–
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.6
6.6
11.1
11.9
–
0.0
4.9
7.3
7.5
11.8
10.9
9.4
14.6
12.6
–
12.4
1.0
2.7
–
4.7
5.5
–
–
1.6
1.7
–
2.8
0.7
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 26. Standard errors for savings and thrift plans: Automatic escalation features, private industry
workers, National Compensation Survey, 2012—Continued
Automatic escalation features1
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 ............................................
Employee
Automatic
Median
contribution
escalation
escalates for number of
available
years of
predetermined number of escalation
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
percent of
earnings
after
maximum
escalation
Automatic
escalation
not
available
Not
determinable
6.9
6.7
–
3.5
5.1
5.7
4.9
4.9
–
2.9
–
5.8
0.0
0.0
–
0.0
–
0.0
6.2
5.6
–
3.4
5.5
3.5
0.0
0.0
–
1.3
–
0.0
7.3
6.8
13.6
3.7
6.0
5.7
1.8
1.8
–
1.2
1.6
1.5
–
7.8
4.0
9.8
–
10.2
8.1
–
8.7
–
8.6
3.3
6.4
–
–
–
–
–
–
–
–
0.0
–
–
–
–
–
–
–
3.2
–
–
–
8.7
–
–
–
–
0.0
–
–
–
0.0
–
–
–
10.3
4.1
11.5
12.3
10.0
8.1
7.8
8.7
8.5
3.6
1.0
4.4
–
1.8
1.4
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The sum of the individual components may exceed the total because some
workers may be in plans in which employee contribution is escalated based on
both years of service and as a specified percent of earnings.
2 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 27. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by
employer, private industry workers, National Compensation Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Total
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
Worker characteristic
All workers ...............................................................
100
33
44
50
50
100
100
60
6
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 ....................
100
100
100
100
100
100
100
100
100
34
36
33
41
–
31
26
33
31
–
50
33
–
–
44
50
40
44
50
50
50
–
–
50
50
50
50
50
50
50
–
–
50
60
50
–
–
100
75
133
–
100
75
100
100
100
100
100
133
–
100
–
100
100
58
55
61
54
–
63
69
60
64
7
9
6
5
2
6
6
7
5
100
100
100
100
100
–
34
34
29
41
–
44
36
36
–
–
50
50
50
50
–
–
60
50
60
–
100
–
100
63
–
100
100
100
100
76
61
60
66
52
–
5
5
5
6
Full time ...................................................................
Part time ..................................................................
100
100
34
29
44
50
50
50
50
50
100
60
100
100
60
64
6
7
Union .......................................................................
Nonunion .................................................................
100
100
29
34
33
50
33
50
50
50
100
100
100
100
68
60
3
7
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 ...........................................
100
100
100
100
100
100
23
–
35
34
35
37
50
–
40
50
–
–
50
–
50
50
50
50
–
–
50
60
50
50
133
–
100
–
100
100
133
–
100
100
100
100
72
89
60
60
58
56
6
–
5
6
7
7
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
34
35
36
36
50
40
50
50
–
100
100
100
60
58
7
8
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
33
34
42
24
53
–
37
31
32
24
46
41
34
31
–
–
32
50
50
50
50
–
–
–
44
50
50
33
50
–
–
–
–
–
50
60
60
50
–
–
50
50
50
50
50
50
–
50
–
–
50
60
60
75
–
–
–
50
50
50
50
50
–
–
–
–
–
–
100
–
75
100
–
–
–
–
–
–
100
100
–
–
–
–
–
100
100
75
100
–
–
100
100
100
100
100
100
–
133
–
–
133
60
60
56
69
41
75
63
58
57
68
48
54
61
62
–
–
63
6
6
3
7
6
–
(3)
12
11
9
6
5
5
7
–
–
5
Establishment characteristic
See footnotes at end of table.
Table 27. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by
employer, private industry workers, National Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
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 ............................................
Total
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
100
100
100
100
100
100
31
32
30
35
31
40
50
50
–
38
50
33
50
50
50
50
50
50
50
50
50
60
–
60
–
–
–
100
100
100
100
100
100
100
–
100
62
61
66
59
64
53
6
7
4
6
5
8
100
100
100
100
100
100
100
100
100
29
30
38
49
30
28
22
39
37
50
33
36
33
50
50
50
50
44
50
50
50
50
50
50
50
75
50
60
–
50
50
50
50
60
–
–
–
–
–
75
100
60
67
100
100
100
133
100
100
100
100
100
100
100
61
60
51
45
67
66
75
58
57
10
10
11
6
3
6
3
3
6
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The percentage is determined by the ratio of the default enrollment amount to the
maximum employee contribution matched by the employer, for those plans that specify both
values.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
3
Less than 0.5.
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20122013.htm.
Table 27. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee
maximum amount matched by employer, private industry workers, National Compensation Survey, 2012
Characteristics
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
Worker characteristic
All workers ...............................................................
2.0
6.9
0.0
8.6
6.9
0.0
1.9
0.8
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 ....................
2.9
3.8
3.3
7.7
–
2.6
4.0
3.5
5.2
–
0.0
4.9
–
–
8.9
0.0
5.6
4.2
0.0
0.0
0.0
–
–
0.0
0.0
0.0
1.5
0.0
7.3
0.0
–
–
14.3
9.3
6.5
–
–
24.0
14.7
38.7
–
8.5
7.2
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
–
0.0
0.0
3.3
4.4
3.5
8.6
–
2.5
4.1
3.1
5.6
1.4
2.5
1.1
2.0
2.0
1.1
1.8
1.4
1.9
–
6.5
3.7
4.0
5.2
–
2.2
6.8
7.4
–
–
4.4
0.0
2.0
7.6
–
–
13.3
0.0
2.0
–
0.0
–
20.0
6.6
–
0.0
0.0
0.0
28.5
8.2
6.8
3.9
4.5
5.6
–
2.4
1.7
2.0
2.9
Full time ...................................................................
Part time ..................................................................
2.0
4.2
7.4
0.0
0.0
0.0
9.2
8.6
6.9
0.0
0.0
4.9
1.9
4.3
0.8
3.0
Union .......................................................................
Nonunion .................................................................
5.7
2.2
0.0
4.6
3.0
0.0
10.3
9.6
18.1
8.5
0.0
0.0
5.2
2.0
2.0
0.9
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 ...........................................
5.8
–
3.0
2.6
2.9
3.8
0.0
–
4.0
6.4
–
–
3.9
–
0.0
0.0
0.0
0.0
–
–
14.0
9.4
0.0
0.0
13.1
–
0.0
–
13.0
11.0
0.0
–
0.0
0.0
0.0
0.0
5.6
4.3
2.8
2.7
3.2
4.0
2.1
–
1.2
1.3
1.2
2.2
Goods-producing industries .....................................
Manufacturing ......................................................
3.8
3.9
3.1
3.8
9.4
11.4
0.0
0.0
–
19.0
0.0
0.0
3.8
3.9
2.6
3.0
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
2.0
3.0
7.3
4.1
8.3
–
6.5
3.3
3.5
6.2
5.6
5.9
8.1
5.8
–
–
6.4
0.0
0.0
7.6
0.0
–
–
–
7.8
4.2
8.3
8.1
0.0
–
–
–
–
–
0.0
6.5
7.5
10.0
–
–
7.9
0.0
0.0
0.0
5.2
0.0
–
0.0
–
–
0.0
11.3
14.3
14.2
–
–
–
0.0
0.0
0.0
0.0
3.9
–
–
–
–
–
–
8.5
–
0.0
0.0
–
–
–
–
–
–
29.4
0.0
–
–
–
–
–
0.0
0.0
9.8
0.0
–
–
9.8
0.0
0.0
22.4
0.0
0.0
–
0.0
–
–
0.0
2.0
3.4
7.7
4.2
9.6
7.0
6.5
3.7
4.3
6.2
6.1
6.2
8.7
6.2
–
–
6.9
0.8
1.8
2.7
2.0
6.0
–
0.2
2.4
3.1
3.6
2.3
1.8
2.8
1.8
–
–
1.6
Establishment characteristic
See footnotes at end of table.
Table 27. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee
maximum amount matched by employer, private industry workers, National Compensation Survey, 2012—Continued
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 ............................................
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
3.5
4.1
5.1
2.4
3.4
3.0
12.4
11.3
–
10.6
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
13.0
13.8
–
16.9
–
–
–
0.0
12.0
0.0
0.0
0.0
13.9
0.0
–
0.0
3.7
4.4
4.9
2.4
3.5
3.2
1.4
1.9
1.4
1.1
1.2
2.0
5.2
6.7
3.7
3.1
5.9
5.6
3.1
7.6
3.2
0.0
0.0
6.0
0.0
11.1
7.9
0.0
8.3
5.6
0.0
0.0
0.0
12.2
0.0
0.0
0.0
8.8
0.0
5.2
–
0.0
0.0
8.3
7.1
6.2
–
–
–
–
–
17.7
8.5
2.0
18.0
0.0
0.0
0.0
0.0
0.0
19.6
0.0
26.5
20.8
0.0
0.0
5.3
6.3
4.0
3.3
5.7
4.2
3.0
7.9
3.8
3.7
2.4
2.9
1.7
2.2
4.0
1.5
1.2
1.8
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The percentage is determined by the ratio of the default enrollment amount to the
maximum employee contribution matched by the employer, for those plans that specify
both values.
2 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and below
the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 28. Savings and thrift plans: Maximum employee contributions,1 private industry workers, National Compensation Survey,
2012
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit
Characteristics
Total
Percent
of
earnings
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
Worker characteristic
All workers ...............................................................
100
62
24
–
50
75
75
38
–
–
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 ....................
100
100
100
100
100
100
100
100
100
62
71
55
47
67
68
71
67
67
20
20
25
20
–
25
40
25
16
–
30
–
–
30
50
50
–
25
50
50
50
–
–
50
50
50
–
75
70
75
75
75
60
50
75
50
75
75
75
90
75
80
75
80
75
38
29
45
53
–
31
29
32
33
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
79
63
51
46
59
–
16
25
25
25
–
25
40
50
40
50
30
50
50
50
75
50
75
75
50
75
–
75
75
75
–
37
48
53
41
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
62
64
20
25
30
50
50
50
75
60
75
80
38
36
–
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
74
61
16
25
30
40
50
50
50
75
75
80
25
39
–
–
–
–
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 ...........................................
100
100
100
100
100
100
60
56
56
62
66
66
20
20
25
25
20
25
50
–
50
40
30
–
50
50
50
50
50
50
75
75
60
75
70
75
80
80
75
80
75
75
39
44
44
38
34
34
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
58
55
25
25
30
–
50
50
75
75
75
75
42
45
–
–
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
63
66
59
70
67
66
78
63
64
70
58
75
76
38
38
33
38
20
25
–
–
25
24
16
25
25
30
25
20
19
25
–
25
–
–
50
50
50
40
25
–
40
40
40
–
25
–
50
–
25
50
50
50
50
50
50
–
30
50
50
50
50
50
60
75
–
–
75
70
50
50
50
50
–
50
50
–
–
–
75
75
90
75
85
90
75
75
75
75
60
84
50
75
75
75
80
80
80
90
95
95
90
37
34
39
30
33
34
–
37
35
29
42
25
24
62
62
67
62
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 28. Savings and thrift plans: Maximum employee contributions,1 private industry workers, National Compensation Survey,
2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit
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 ............................................
Total
Percent
of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
100
100
100
100
100
100
57
59
52
64
66
62
19
19
25
25
25
20
30
25
–
40
50
–
50
50
50
50
50
50
70
75
70
75
75
75
80
80
75
75
75
75
43
40
48
35
34
38
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
63
54
52
61
67
58
63
65
71
16
20
25
–
19
20
25
30
25
25
50
–
50
25
–
30
50
50
50
50
50
50
50
50
50
50
50
60
75
60
75
60
–
50
75
75
80
90
75
75
75
75
75
80
75
36
46
48
39
33
42
36
35
29
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The percent of earnings that are specified. Actual contributions may be limited by the Internal
Revenue Code limit.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do 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/glossary20122013.htm.
Table 28. Standard errors for savings and thrift plans: Maximum employee contributions,1 private industry workers, National
Compensation Survey, 2012
Percent of earnings, up to Internal Revenue Code limit
Characteristics
Percent
of
earnings
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
Worker characteristic
All workers ...............................................................
1.8
5.9
–
0.0
6.8
4.8
1.8
–
–
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 ....................
2.9
2.9
3.9
6.5
18.8
2.1
3.8
2.7
4.7
4.5
3.0
6.4
0.0
–
0.0
10.0
3.0
0.0
–
8.7
–
–
0.0
3.9
0.0
–
2.2
0.0
0.0
0.0
–
–
0.0
0.0
0.0
–
2.9
9.8
1.4
13.7
17.5
11.0
0.0
6.9
3.4
4.8
3.3
6.3
4.5
4.6
6.4
15.8
3.3
0.0
2.9
2.9
3.9
6.5
–
2.1
3.7
2.7
4.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7.9
5.9
4.4
5.7
5.5
–
0.0
0.0
1.4
0.0
–
6.0
11.1
11.8
7.1
8.6
1.7
0.0
13.0
0.0
8.3
0.0
8.1
0.0
10.4
0.0
–
0.0
3.9
0.0
–
5.9
4.3
5.7
5.5
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.9
5.7
4.9
3.9
5.5
0.0
0.0
0.0
4.8
11.8
4.2
6.0
1.9
5.7
–
–
–
–
Union .......................................................................
Nonunion .................................................................
4.4
1.9
0.0
4.2
7.2
5.7
14.8
0.0
0.0
4.0
0.0
6.5
4.4
1.9
–
–
–
–
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 ...........................................
5.1
11.2
2.8
2.5
2.7
3.4
2.2
0.0
0.0
0.0
2.6
7.0
2.0
–
14.4
9.4
6.3
–
0.0
4.4
0.0
0.0
0.0
0.0
7.8
3.8
7.1
2.6
8.3
7.7
8.4
1.4
1.4
4.9
0.0
0.0
5.1
11.2
2.8
2.5
2.7
3.3
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
3.5
4.2
3.9
2.4
7.2
–
4.4
5.9
5.7
5.7
8.2
6.9
3.5
4.2
–
–
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
2.1
3.0
7.6
4.2
8.3
9.2
7.7
3.2
3.2
5.0
6.1
4.8
6.9
6.3
10.1
8.9
7.1
5.2
0.0
–
–
4.3
4.6
0.0
0.0
3.3
2.9
0.0
1.7
1.7
3.8
–
0.0
–
–
0.0
0.0
0.0
11.6
1.2
–
11.8
6.2
8.3
–
6.4
–
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
2.0
–
0.0
0.0
0.0
0.0
0.0
2.8
12.5
0.0
–
–
0.0
13.2
0.0
4.8
0.0
0.0
–
9.6
12.4
–
–
–
5.6
2.6
9.0
6.6
15.4
7.5
5.5
12.5
20.6
13.2
16.6
0.0
0.0
0.0
0.0
0.0
6.1
6.5
1.7
0.0
6.2
0.0
0.0
2.1
3.0
7.5
4.2
8.3
9.2
–
3.2
3.1
5.0
6.1
4.8
6.9
6.3
10.1
8.9
7.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 28. Standard errors for savings and thrift plans: Maximum employee contributions,1 private industry workers, National
Compensation Survey, 2012—Continued
Percent of earnings, up to Internal Revenue Code limit
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 ............................................
Percent
of
earnings
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
3.8
4.7
6.1
2.4
3.1
3.3
5.7
4.4
4.3
5.3
2.8
5.4
6.1
7.3
–
9.0
13.5
–
0.0
0.0
0.0
0.0
0.0
0.0
5.4
4.9
5.9
12.3
19.2
12.0
4.3
3.3
3.5
0.0
4.2
0.0
3.8
4.7
6.1
2.4
3.1
3.3
–
–
–
–
–
–
–
–
–
–
–
–
7.9
4.8
5.5
6.3
4.4
7.4
4.0
10.0
2.5
3.4
5.4
0.0
–
1.1
4.4
2.6
2.9
6.8
5.4
3.4
–
0.0
1.4
–
5.4
13.6
9.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8.1
0.0
13.9
4.2
6.5
–
10.8
12.3
0.0
6.4
10.1
0.0
3.5
6.8
0.0
0.0
0.0
0.0
7.2
4.9
5.5
6.3
4.4
7.4
3.9
10.0
2.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The percent of earnings that are specified. Actual contributions may be limited by the
Internal Revenue Code limit.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 29. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National
Compensation Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
Total
Specified
matching
percent
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
Other1
90th
percentile
Not
determinable
Worker characteristic
All workers ...............................................................
100
64
3
4
6
6
6
36
–
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 ....................
100
100
100
100
100
100
100
100
100
66
66
65
47
–
67
64
68
72
3
4
3
–
–
4
4
–
2
4
5
4
3
–
5
5
5
4
6
6
6
5
–
6
6
6
6
6
6
6
6
–
6
6
6
6
6
6
6
6
–
6
6
6
6
34
34
35
53
–
33
36
32
28
–
–
–
–
–
–
–
–
–
100
100
100
100
100
63
74
58
62
53
–
2
4
–
4
4
4
4
4
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
37
26
42
38
47
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
64
62
3
–
4
5
6
6
6
6
6
6
36
38
–
–
Union .......................................................................
Nonunion .................................................................
100
100
70
63
3
3
6
4
6
6
6
6
6
6
30
37
–
–
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 ...........................................
100
100
100
100
100
100
55
45
61
63
69
66
3
4
3
3
3
3
4
5
4
4
5
4
6
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
45
55
39
37
31
34
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
69
69
3
3
4
4
6
6
6
6
–
–
31
31
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
63
66
73
66
51
83
84
61
62
74
40
59
61
65
85
80
63
3
–
–
–
4
3
6
4
4
4
–
4
4
2
2
2
–
4
5
4
5
4
5
6
5
5
5
5
5
5
3
–
4
3
6
6
5
6
5
6
6
6
6
6
6
6
6
5
5
5
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
5
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
37
34
27
34
49
–
–
39
38
26
60
41
39
35
15
20
37
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 29. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
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 ............................................
Total
Specified
matching
percent
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
Other1
90th
percentile
Not
determinable
100
100
100
100
100
100
65
65
63
64
66
61
3
3
3
3
–
–
5
–
–
4
4
4
6
6
6
6
6
6
6
6
6
6
6
6
6
6
–
6
6
6
35
35
37
36
34
39
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
63
58
70
53
66
70
69
68
57
–
3
–
3
–
3
3
–
3
5
4
5
4
4
4
4
4
5
6
6
6
6
6
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
37
42
30
47
34
30
31
32
43
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the
employer, varying contributions by the employer based on employee contributions or service, and
other matching methods.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20122013.htm.
Table 29. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2012
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
Other1
90th
percentile
Not
determinable
Worker characteristic
All workers ...............................................................
1.9
0.0
0.4
0.0
0.0
0.0
1.9
–
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 ....................
3.4
4.6
3.8
6.0
–
2.5
3.9
2.7
4.6
0.0
0.5
0.0
–
–
0.8
0.0
–
0.4
0.0
0.0
0.0
0.8
–
0.0
0.3
0.0
0.1
0.0
0.4
0.2
0.6
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
3.4
4.6
3.8
6.0
–
2.5
3.9
2.7
4.6
–
–
–
–
–
–
–
–
–
9.3
4.7
4.3
4.7
6.1
–
0.3
0.8
–
0.0
0.0
0.6
0.3
0.3
1.3
1.2
0.0
0.9
1.0
0.9
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.3
0.0
9.3
4.7
4.3
4.7
6.1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.0
4.7
0.0
–
0.3
1.4
0.0
0.3
0.0
0.0
0.0
0.0
2.0
4.7
–
–
Union .......................................................................
Nonunion .................................................................
5.5
2.0
0.0
0.0
0.9
0.1
0.0
0.0
0.0
0.0
0.0
0.0
5.5
2.0
–
–
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 ...........................................
4.9
9.6
3.0
2.6
3.2
4.3
0.0
0.3
0.0
0.5
0.6
0.4
0.7
0.4
0.2
0.2
1.1
1.0
0.3
1.1
0.4
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.9
9.6
3.0
2.6
3.2
4.3
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
3.5
4.1
0.5
0.7
0.0
0.0
0.0
0.4
0.0
0.0
–
–
3.5
4.1
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
2.2
2.8
6.3
4.5
7.8
6.1
6.4
3.1
3.7
4.5
4.4
6.2
8.1
5.1
4.0
4.6
5.7
0.0
–
–
–
0.0
0.4
0.7
0.4
0.7
0.0
–
0.8
0.9
0.4
0.0
0.0
–
0.9
1.3
0.4
0.0
0.9
0.9
0.0
0.0
0.2
0.0
1.2
0.6
0.7
0.8
–
1.0
0.8
0.0
0.2
1.2
0.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.0
0.7
0.5
0.0
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.0
2.2
2.8
6.3
4.5
7.8
–
–
3.1
3.7
4.5
4.4
6.2
8.1
5.1
4.0
4.6
5.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 29. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2012—Continued
Maximum employee contribution matched by employer
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 ............................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
4.1
5.0
6.2
2.4
3.0
3.5
0.3
0.4
0.9
0.6
–
–
1.5
–
–
0.2
0.9
0.0
0.0
0.4
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
4.1
5.0
6.2
2.4
3.0
3.5
–
–
–
–
–
–
9.6
5.5
4.7
4.2
5.4
4.0
3.0
8.4
3.9
–
0.0
–
0.6
–
0.7
0.9
–
0.4
1.1
0.8
1.1
1.1
0.4
0.0
0.9
0.9
0.9
0.0
0.3
0.0
0.0
1.7
0.1
0.3
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
9.6
5.5
4.7
4.2
5.4
4.0
3.0
8.4
3.9
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Other methods of employer matches include maximum dollar amounts specified by
the employer, varying contributions by the employer based on employee contributions or
service, and other matching methods.
2 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and below
the threshold. The categories were formed using percentile estimates generated using data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 30. Savings and thrift plans: Method of employer matching contributions, private industry workers, National
Compensation Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ...............................................................
100
64
50
50
100
100
100
36
–
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 ....................
100
100
100
100
100
100
100
100
100
66
66
65
47
–
67
64
68
72
–
–
50
–
–
50
50
50
–
50
50
50
50
–
50
75
50
50
100
100
–
–
–
100
100
100
82
100
100
100
100
–
100
100
100
100
100
100
100
–
–
100
100
100
100
34
34
35
53
–
33
36
32
28
–
–
–
–
–
–
–
–
–
100
100
100
100
100
63
74
58
62
53
50
–
25
25
25
50
–
50
50
50
–
82
50
50
–
100
100
100
100
100
100
100
100
100
100
37
26
42
38
47
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
64
62
–
50
50
50
100
100
100
100
100
100
36
38
–
–
Union .......................................................................
Nonunion .................................................................
100
100
70
63
50
–
50
50
80
100
82
100
100
100
30
37
–
–
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 ...........................................
100
100
100
100
100
100
55
45
61
63
69
66
–
25
–
–
–
–
50
50
50
50
50
50
100
–
100
–
100
100
100
100
100
100
100
100
100
100
100
100
100
100
45
55
39
37
31
34
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
69
69
–
–
50
50
–
50
100
100
100
100
31
31
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
63
66
73
66
51
83
84
61
62
74
40
59
61
65
85
80
63
–
–
25
50
–
70
–
50
50
50
–
–
25
50
50
–
–
50
50
–
100
50
85
80
50
50
–
50
50
–
50
–
100
50
100
100
–
100
100
100
80
100
100
100
–
100
100
50
100
100
50
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
–
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
150
100
37
34
27
34
49
–
–
39
38
26
60
41
39
35
15
20
37
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 30. Savings and thrift plans: Method of employer matching contributions, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
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 ............................................
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
100
100
100
100
100
100
65
65
63
64
66
61
–
–
50
–
–
50
50
–
50
50
50
50
100
100
–
80
–
100
100
100
100
100
100
100
100
100
100
100
100
100
35
35
37
36
34
39
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
63
58
70
53
66
70
69
68
57
–
–
–
50
–
50
–
–
50
50
50
50
50
50
85
50
–
50
80
–
50
–
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
125
100
37
42
30
47
34
30
31
32
43
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the
employer, varying contributions by the employer based on employee contributions or service, and
other matching methods.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do 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/glossary20122013.htm.
Table 30. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2012
Specified matching percent
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ...............................................................
1.9
14.9
0.0
17.2
0.0
0.0
1.9
–
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 ....................
3.4
4.6
3.8
6.0
–
2.5
3.9
2.7
4.6
–
–
0.0
–
–
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
–
0.0
18.2
0.0
9.5
19.2
0.0
–
–
–
0.0
0.0
0.0
1.8
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
0.0
0.0
0.0
3.4
4.6
3.8
6.0
–
2.5
3.9
2.7
4.6
–
–
–
–
–
–
–
–
–
9.3
4.7
4.3
4.7
6.1
0.0
–
1.0
7.5
2.2
0.0
–
0.0
0.0
2.8
–
1.8
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9.3
4.7
4.3
4.7
6.1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.0
4.7
–
0.0
0.0
0.0
27.0
0.0
0.0
0.0
0.0
0.0
2.0
4.7
–
–
Union .......................................................................
Nonunion .................................................................
5.5
2.0
0.0
–
7.7
0.0
0.0
0.0
0.8
0.0
0.0
0.0
5.5
2.0
–
–
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 ...........................................
4.9
9.6
3.0
2.6
3.2
4.3
–
5.3
–
–
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
–
28.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.9
9.6
3.0
2.6
3.2
4.3
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
3.5
4.1
–
–
0.0
0.0
–
14.7
0.0
0.0
0.0
0.0
3.5
4.1
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
2.2
2.8
6.3
4.5
7.8
6.1
6.4
3.1
3.7
4.5
4.4
6.2
8.1
5.1
4.0
4.6
5.7
–
–
0.0
0.0
–
6.7
–
0.0
0.0
0.0
–
–
0.0
12.7
0.0
–
–
0.0
0.0
–
5.5
14.0
16.2
5.6
0.0
0.0
–
0.0
14.5
–
0.0
–
0.0
0.0
4.6
0.0
–
0.0
0.0
0.0
1.5
0.0
0.0
0.0
–
3.9
13.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
25.5
0.0
0.0
0.0
0.0
0.0
0.0
9.8
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24.0
43.9
0.0
2.2
2.8
6.3
4.5
7.8
–
–
3.1
3.7
4.5
4.4
6.2
8.1
5.1
4.0
4.6
5.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 30. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2012—Continued
Specified matching percent
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 ............................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
4.1
5.0
6.2
2.4
3.0
3.5
–
–
0.0
–
–
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
–
15.2
–
15.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.1
5.0
6.2
2.4
3.0
3.5
–
–
–
–
–
–
9.6
5.5
4.7
4.2
5.4
4.0
3.0
8.4
3.9
–
–
–
0.0
–
9.4
–
–
0.0
0.0
0.0
0.0
0.0
10.2
20.5
0.0
–
0.0
18.8
–
10.4
–
0.0
0.0
22.1
4.9
19.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
31.0
0.0
9.6
5.5
4.7
4.2
5.4
4.0
3.0
8.4
3.9
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Other methods of employer matches include maximum dollar amounts specified by
the employer, varying contributions by the employer based on employee contributions or
service, and other matching methods.
2 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and below
the threshold. The categories were formed using percentile estimates generated using data
from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 31. Savings and thrift plans: Maximum potential employer contribution,1 private
industry workers, National Compensation Survey, 2012
(Includes all workers participating in savings and thrift plans that specify matching contributions)
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ...............................................................
1.5
3.0
4.0
5.1
6.0
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 ....................
–
–
–
–
2.0
–
–
1.8
3.0
3.0
3.0
2.0
3.0
4.0
3.0
–
–
4.8
3.0
3.0
4.9
5.0
4.8
4.0
5.0
–
4.8
–
6.0
6.0
6.0
4.9
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
2.0
–
–
1.0
1.5
3.0
–
2.0
2.5
2.0
–
4.5
3.0
3.0
3.0
–
4.9
4.5
4.0
5.0
5.1
6.0
6.0
5.0
6.0
Full time ...................................................................
Part time ..................................................................
1.5
1.5
3.0
3.0
4.0
5.0
5.0
6.0
6.0
6.0
Union .......................................................................
Nonunion .................................................................
1.5
1.5
3.0
3.0
4.8
4.0
4.9
6.0
5.0
6.0
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 ...........................................
1.5
–
1.5
1.5
1.8
–
3.0
2.4
3.0
2.8
3.0
3.0
–
3.0
4.0
3.0
4.0
4.0
6.0
5.0
6.0
5.0
5.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
Goods-producing industries .....................................
Manufacturing ......................................................
2.0
–
3.0
3.0
3.0
3.0
4.9
4.0
6.0
6.0
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
1.5
1.5
–
2.0
1.8
3.0
–
3.0
3.0
3.0
1.5
1.5
1.5
1.3
2.0
–
1.3
3.0
3.0
–
3.0
–
4.2
4.8
3.0
3.0
3.0
3.0
3.0
–
2.0
–
–
2.0
4.0
4.5
3.0
5.0
–
5.1
4.8
5.0
5.0
5.0
–
4.8
4.8
3.0
–
5.0
3.0
6.0
6.0
4.0
6.0
5.5
6.0
5.3
6.0
6.0
6.0
6.0
6.0
6.0
3.0
5.0
5.0
3.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
5.0
–
–
Establishment characteristic
See footnotes at end of table.
Table 31. Savings and thrift plans: Maximum potential employer contribution,1 private
industry workers, National Compensation Survey, 2012—Continued
(Includes all workers participating in savings and thrift plans that specify matching contributions)
Maximum potential employer contribution
Characteristics
10th
percentile
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
–
–
2.0
1.5
1.5
–
3.0
3.0
3.0
3.0
3.0
3.0
4.0
4.9
3.0
4.0
3.0
4.0
6.0
6.0
4.8
5.0
5.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
–
–
1.8
2.0
1.5
2.0
1.5
–
–
3.0
3.0
–
3.0
2.3
3.0
3.0
3.0
3.0
4.0
3.0
3.0
4.0
4.0
4.2
4.0
4.5
–
5.0
4.9
4.8
6.0
6.0
5.1
5.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.3
6.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The maximum potential employer contribution is determined by
multiplying the maximum employee contribution subject to matching by
the employer matching percent, for those plans that specify both
values.
2 Surveyed occupations are classified into wage categories based
on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 31. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, National Compensation Survey, 2012
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ...............................................................
0.3
0.0
0.4
0.5
0.0
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 ....................
–
–
–
–
0.5
–
–
0.5
0.0
0.0
0.7
0.6
0.0
1.0
0.0
–
–
1.1
0.0
0.0
0.2
0.4
0.8
0.7
0.0
–
0.7
–
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.3
0.0
0.0
0.0
1.1
0.0
–
–
0.3
0.1
0.9
–
0.5
0.6
0.3
–
0.9
0.0
0.0
0.6
–
0.1
0.8
0.0
0.8
1.2
1.0
0.3
1.3
0.0
Full time ...................................................................
Part time ..................................................................
0.3
0.2
(2)
0.2
0.6
1.3
0.3
0.0
0.0
0.0
Union .......................................................................
Nonunion .................................................................
0.1
0.3
0.3
0.0
0.5
0.8
0.1
1.3
0.1
0.0
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 ...........................................
0.4
–
0.1
0.2
0.5
–
0.1
0.7
0.6
0.5
0.0
0.0
–
0.7
1.0
0.2
0.0
0.0
0.0
0.0
0.2
0.0
0.1
0.9
0.0
1.3
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Manufacturing ......................................................
0.4
–
0.4
0.4
0.0
0.0
1.1
0.8
0.0
0.0
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
0.2
0.4
–
0.1
0.2
0.2
–
0.5
0.5
0.0
0.4
0.0
0.0
0.3
0.3
–
0.3
0.1
0.4
–
0.4
–
1.1
0.3
0.0
0.0
0.0
0.8
0.7
–
0.0
–
–
(2)
(2)
0.8
0.0
0.7
–
0.3
0.1
0.8
0.7
0.0
–
0.9
0.8
0.2
–
0.0
0.3
1.2
0.1
0.3
0.0
0.8
0.0
0.4
0.0
0.0
0.0
0.3
0.7
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.3
0.0
1.6
1.3
–
–
Establishment characteristic
See footnotes at end of table.
Table 31. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, National Compensation Survey, 2012—Continued
Maximum potential employer contribution
Characteristics
10th
percentile
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
–
–
( )
0.1
0.1
–
0.0
0.0
0.1
0.6
0.7
0.3
0.5
0.6
0.0
0.9
0.7
0.0
1.7
0.6
0.5
0.5
0.9
0.4
0.0
0.0
1.0
0.0
0.0
0.0
–
–
0.4
0.1
0.2
(2)
0.3
–
–
0.6
0.0
–
0.0
0.7
0.0
0.7
0.6
0.0
1.0
0.0
0.0
1.0
0.9
0.9
0.2
0.8
–
0.0
0.2
0.4
0.5
0.6
0.7
1.2
0.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.0
2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The maximum potential employer contribution is determined by
multiplying the maximum employee contribution subject to matching by
the employer matching percent, for those plans that specify both
values.
2 Less than 0.05.
3 Surveyed occupations are classified into wage categories based
on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 32. Savings and thrift plans: Eligibility requirements, private industry workers, National
Compensation Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
With
minimum age
or service
requirement
Total
Median age
requirement
Median
service
requirement
(in months)
No minimum
Not
age or
determinable
service
requirement
Worker characteristic
All workers ...............................................................
100
69
21
6
26
5
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 ....................
100
100
100
100
100
100
100
100
100
57
66
49
82
97
77
86
73
69
21
20
21
21
21
21
21
21
19
–
3
6
–
–
–
12
6
12
38
29
45
10
–
19
11
23
27
6
5
6
8
–
4
3
5
4
100
100
100
100
100
72
67
79
75
84
21
19
21
21
21
12
–
6
–
–
–
27
19
23
14
–
5
2
2
2
Full time ...................................................................
Part time ..................................................................
100
100
68
82
21
21
6
12
27
16
5
2
Union .......................................................................
Nonunion .................................................................
100
100
59
70
18
21
–
6
38
25
4
5
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 ...........................................
100
100
100
100
100
100
93
97
79
71
56
53
21
21
21
21
21
21
12
12
–
–
6
3
–
–
17
25
38
41
–
–
4
4
6
6
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
68
65
21
19
3
3
28
31
4
4
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
70
82
69
92
85
48
44
69
68
76
64
55
49
66
47
–
68
21
21
18
21
21
–
18
21
18
21
18
21
21
21
21
–
21
–
–
–
12
–
1
–
–
–
–
–
–
3
–
12
–
–
26
14
–
–
–
37
56
25
27
20
29
39
42
27
38
–
26
5
4
–
–
–
14
(2)
6
5
4
7
6
9
7
15
–
6
Establishment characteristic
See footnotes at end of table.
Table 32. Savings and thrift plans: Eligibility requirements, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
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 ............................................
With
minimum age
or service
requirement
Total
Median age
requirement
Median
service
requirement
(in months)
No minimum
Not
age or
determinable
service
requirement
100
100
100
100
100
100
75
75
75
66
69
61
21
21
21
21
21
18
6
6
6
–
–
–
20
21
19
30
27
33
5
4
6
5
4
6
100
100
100
100
100
100
100
100
100
55
67
71
71
68
63
81
77
66
21
21
21
21
21
20
21
21
18
–
–
–
12
–
–
12
–
6
35
–
23
25
27
32
16
22
31
9
–
6
4
5
5
3
1
3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
2 Less than 0.5.
Note: Because of rounding, sums of individual items may not equal totals.
Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 32. Standard errors for savings and thrift plans: Eligibility requirements, private
industry workers, National Compensation Survey, 2012
Characteristics
With
minimum age
or service
requirement
Median age
requirement
Median
service
requirement
(in months)
No minimum
age or
Not
service
determinable
requirement
Worker characteristic
All workers ...............................................................
1.8
0.0
0.0
1.9
0.7
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 ....................
3.3
4.3
3.8
3.6
1.8
1.8
3.0
2.1
6.1
0.7
1.4
0.0
0.0
2.9
0.0
0.0
0.0
2.0
–
0.0
1.7
–
–
–
0.0
0.0
1.7
3.5
4.3
3.9
2.4
–
1.6
2.9
2.1
6.0
1.3
1.2
1.6
3.5
–
0.6
0.9
0.8
2.1
9.9
7.2
3.4
4.7
3.2
2.9
1.2
0.0
2.7
0.0
0.0
–
1.3
–
–
–
7.1
3.3
4.7
3.0
–
2.8
0.6
0.7
1.2
Full time ...................................................................
Part time ..................................................................
1.9
3.7
0.0
0.0
0.0
1.2
1.9
3.6
0.8
0.8
Union .......................................................................
Nonunion .................................................................
5.5
2.0
0.5
0.0
–
0.0
4.9
2.0
2.0
0.8
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 ...........................................
1.7
2.0
2.3
2.7
3.0
4.0
0.0
0.0
0.0
1.6
1.4
0.0
0.2
0.0
–
–
1.5
0.2
–
–
2.0
2.8
3.2
4.1
–
–
1.1
0.9
1.2
1.7
Goods-producing industries .....................................
Manufacturing ......................................................
4.4
4.9
1.9
2.7
0.6
0.0
4.3
4.7
1.3
1.4
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
2.0
2.8
7.3
2.7
4.7
9.3
8.9
2.5
2.6
4.2
5.3
5.7
7.5
5.1
10.2
–
5.3
0.0
0.4
2.0
0.2
0.0
–
3.4
2.4
2.5
2.7
0.0
1.1
1.4
0.0
0.0
–
0.0
–
–
–
0.0
–
0.0
–
–
–
–
–
–
0.4
–
0.0
–
–
2.2
2.5
–
–
–
9.4
8.9
2.6
2.6
4.0
5.5
6.3
8.8
4.9
10.5
–
5.0
0.8
1.4
–
–
–
5.1
0.2
1.7
1.1
1.5
2.1
2.5
4.0
2.3
7.8
–
2.4
Establishment characteristic
See footnotes at end of table.
Table 32. Standard errors for savings and thrift plans: Eligibility requirements, private
industry workers, National Compensation Survey, 2012—Continued
Characteristics
With
minimum age
or service
requirement
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Median age
requirement
Median
service
requirement
(in months)
No minimum
age or
Not
service
determinable
requirement
2.8
3.7
6.1
2.2
3.2
3.3
0.0
0.2
0.0
0.0
0.0
3.3
0.0
0.0
1.2
–
–
–
3.1
3.7
5.4
2.2
3.1
3.0
1.2
1.4
2.4
1.0
1.1
1.8
7.0
8.3
5.4
4.9
4.5
4.4
3.9
3.7
5.3
3.0
0.0
3.2
1.0
0.0
1.3
0.0
0.0
0.4
–
–
–
0.0
–
–
0.0
–
0.6
9.5
–
4.6
5.3
5.3
4.5
3.2
3.5
5.2
5.4
–
2.0
2.1
2.6
3.2
1.1
1.0
0.9
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based
on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 33. Savings and thrift plans: Selected provisions, private industry workers, National
Compensation Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Rollovers allowed
Characteristics
Yes
Loans allowed
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
78
4
18
58
23
19
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Sales and office:
Sales and related .................................................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
77
77
77
–
–
–
–
–
–
60
–
63
22
–
21
18
–
17
78
82
–
–
–
–
37
69
45
19
18
11
80
83
80
78
82
–
–
–
–
–
–
–
–
–
–
65
71
59
65
50
–
–
23
16
32
–
–
18
18
17
Full time ...................................................................
Part time ..................................................................
77
84
4
–
19
–
59
47
22
38
19
14
Union .......................................................................
Nonunion .................................................................
83
77
–
4
–
19
71
57
18
24
11
19
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 ...........................................
84
94
77
76
78
76
–
–
3
5
–
–
–
–
19
19
–
–
49
51
53
–
62
62
34
34
29
–
19
19
17
15
18
–
19
19
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
78
81
76
80
93
84
–
–
82
80
75
77
4
–
–
–
–
–
–
–
–
–
–
–
17
–
–
–
–
16
–
–
18
–
–
–
58
45
64
28
60
81
72
75
76
80
55
53
24
41
17
60
–
–
9
9
–
–
28
–
17
15
19
12
–
–
19
16
–
–
17
–
See footnotes at end of table.
Table 33. Savings and thrift plans: Selected provisions, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
Rollovers allowed
Characteristics
Yes
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
Loans allowed
Not
determinable
No
Yes
Not
determinable
No
78
88
77
82
–
–
4
3
–
–
19
15
–
60
59
59
–
24
24
29
–
16
17
12
76
78
80
82
75
–
84
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
53
46
58
58
71
–
–
31
38
27
26
14
–
–
16
15
14
16
15
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based
on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were
formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal
totals. Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 33. Standard errors for savings and thrift plans: Selected provisions, private industry
workers, National Compensation Survey, 2012
Rollovers allowed
Characteristics
Yes
Loans allowed
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ...............................................................
1.6
0.9
1.5
2.1
1.6
1.6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Sales and office:
Sales and related .................................................
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 ....................
2.5
3.4
3.2
–
–
–
–
–
–
3.4
–
3.5
3.1
–
3.2
2.2
–
2.3
3.5
3.6
–
–
–
–
4.1
4.9
4.2
4.5
3.3
3.0
9.1
3.9
2.7
3.4
5.2
–
–
–
–
–
–
–
–
–
–
10.2
5.8
4.0
4.4
6.3
–
–
3.8
4.1
6.9
–
–
2.5
3.4
4.7
Full time ...................................................................
Part time ..................................................................
1.7
3.4
0.9
–
1.5
–
2.2
4.5
1.7
4.1
1.6
3.3
Union .......................................................................
Nonunion .................................................................
2.8
1.7
–
0.9
–
1.5
4.6
2.2
4.1
1.7
2.4
1.6
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 ...........................................
3.0
2.6
2.5
2.2
2.3
3.9
–
–
0.9
1.3
–
–
–
–
2.3
2.0
–
–
5.1
10.7
3.3
–
3.4
4.0
4.1
9.4
2.8
–
3.0
3.3
3.0
6.1
2.4
–
2.2
3.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
1.7
2.9
6.6
3.5
6.1
7.1
–
–
4.4
4.3
5.9
6.5
1.0
–
–
–
–
–
–
–
–
–
–
–
1.5
–
–
–
–
7.1
–
–
4.4
–
–
–
2.3
3.7
5.9
3.7
8.2
5.7
3.8
4.3
4.7
4.4
6.9
10.9
1.9
3.5
5.1
4.0
–
–
1.9
2.0
–
–
6.8
–
1.7
2.6
5.8
2.5
–
–
3.2
3.7
–
–
4.2
–
See footnotes at end of table.
Table 33. Standard errors for savings and thrift plans: Selected provisions, private industry
workers, National Compensation Survey, 2012—Continued
Rollovers allowed
Characteristics
Yes
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
Loans allowed
Not
determinable
No
Yes
Not
determinable
No
3.0
3.4
2.1
2.5
–
–
1.2
0.9
–
–
1.9
2.2
–
6.2
2.6
3.5
–
6.0
2.0
3.1
–
4.8
1.8
1.6
4.4
4.7
4.5
6.2
3.8
–
2.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7.2
9.0
5.7
5.0
2.1
–
–
5.2
8.9
4.7
3.3
3.3
–
–
5.3
1.9
3.3
5.7
2.5
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based
on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were
formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 34. Savings and thrift plans: Vesting requirements, private industry workers, National
Compensation Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Immediate
full vesting
Total
Cliff vesting
Graded
vesting
Not
determinable
Worker characteristic
All workers ...............................................................
100
31
26
34
9
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 ....................
100
100
100
100
100
100
100
100
100
32
36
30
14
–
34
44
29
31
26
22
30
33
71
26
22
28
35
31
33
30
45
–
31
25
34
28
10
9
10
9
4
9
8
9
6
100
100
100
100
100
44
27
29
27
32
–
38
20
12
30
–
27
42
52
28
3
7
9
9
10
Full time ...................................................................
Part time ..................................................................
100
100
30
39
26
25
34
29
9
7
Union .......................................................................
Nonunion .................................................................
100
100
23
32
42
25
30
34
5
9
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 ...........................................
100
100
100
100
100
100
32
–
33
28
32
36
17
–
26
26
29
22
43
56
33
36
29
32
8
4
7
10
10
10
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
25
25
14
12
48
46
13
16
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
33
41
25
48
41
67
–
39
37
43
28
37
44
18
–
–
17
30
25
31
20
33
–
65
26
27
26
30
31
–
29
–
–
30
30
28
33
26
–
–
–
28
29
26
34
20
–
42
–
–
44
8
6
10
6
–
3
6
7
6
5
8
12
11
10
–
–
9
Establishment characteristic
See footnotes at end of table.
Table 34. Savings and thrift plans: Vesting requirements, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Immediate
full vesting
Total
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Cliff vesting
Graded
vesting
Not
determinable
100
100
100
100
100
100
26
25
27
34
38
30
26
25
28
27
25
29
40
40
39
30
30
30
9
11
6
9
7
12
100
100
100
100
100
100
100
100
100
24
21
28
38
33
47
35
23
35
43
36
26
–
24
–
24
29
18
23
34
33
26
34
32
37
34
39
10
8
12
–
9
–
5
14
8
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based
on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal
totals. Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 34. Standard errors for savings and thrift plans: Vesting requirements,
private industry workers, National Compensation Survey, 2012
Characteristics
Immediate
full vesting
Cliff vesting
Graded
vesting
Not
determinable
Worker characteristic
All workers ...............................................................
1.6
1.7
1.9
1.1
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 ....................
3.1
4.5
3.4
2.3
–
2.1
4.0
2.3
4.8
2.9
3.0
3.8
6.8
13.5
2.0
3.5
2.6
6.2
2.7
4.2
3.2
7.2
–
2.2
3.8
2.9
5.6
1.9
2.7
1.9
3.4
2.6
1.7
3.0
1.8
2.2
10.9
4.8
3.1
3.7
4.6
–
6.8
3.3
3.3
5.3
–
6.1
3.6
5.0
4.4
1.9
2.7
1.6
2.4
2.6
Full time ...................................................................
Part time ..................................................................
1.7
3.7
1.7
3.3
1.9
4.0
1.1
2.8
Union .......................................................................
Nonunion .................................................................
4.5
1.7
6.3
1.9
6.3
2.1
2.0
1.2
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 ...........................................
4.6
–
2.1
2.6
2.8
3.7
3.1
–
2.9
2.8
2.7
2.9
6.0
10.1
3.1
2.5
2.6
3.2
2.3
2.4
1.3
1.6
1.7
2.8
Goods-producing industries .....................................
Manufacturing ......................................................
2.9
2.9
2.4
2.3
3.6
4.0
3.0
3.4
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
2.1
3.6
5.5
4.3
8.3
9.0
–
3.4
3.4
4.6
5.3
6.5
8.8
2.9
–
–
3.3
2.1
3.5
8.4
3.4
8.0
–
8.1
3.3
3.4
4.3
7.1
5.3
–
5.0
–
–
5.4
2.2
3.2
6.6
4.2
–
–
–
3.5
3.6
5.2
5.8
5.6
–
5.8
–
–
6.1
1.1
1.5
4.1
2.0
–
1.7
3.3
1.2
1.3
1.4
2.5
4.6
5.6
3.6
–
–
3.7
1 to 99 workers ........................................................
2.7
3.1
3.4
1.8
Establishment characteristic
See footnotes at end of table.
Table 34. Standard errors for savings and thrift plans: Vesting requirements,
private industry workers, National Compensation Survey, 2012—Continued
Characteristics
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Immediate
full vesting
Cliff vesting
Graded
vesting
Not
determinable
3.0
5.2
2.1
3.2
3.4
4.4
6.1
1.9
3.0
3.0
4.4
6.5
2.1
3.1
2.7
2.4
2.4
1.6
1.5
2.9
4.8
3.4
3.7
7.6
5.4
8.0
3.9
3.5
3.9
4.1
6.7
4.7
–
3.6
–
3.6
6.2
2.7
2.9
7.1
4.5
6.5
4.8
8.4
5.8
9.4
3.6
3.0
3.2
3.1
–
3.2
–
1.8
5.4
1.8
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage
categories based on the average wage for the occupation,
which may include workers with earnings both above and
below the threshold. The categories were formed using
percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data
do 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/glossary20122013.htm.
Table 35. Savings and thrift plans: Investment choices for employee funds, private industry workers, National Compensation
Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Total
Investment
choice
available
Available investments
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other
Not
determinable
No
investment
choice
available
Not
determinable
Worker characteristic
All workers ...............................................................
100
87
24
56
73
49
18
12
–
–
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 ....................
100
100
100
100
100
100
100
100
100
88
89
87
82
97
86
89
84
89
24
27
21
–
–
27
26
27
44
63
65
61
42
–
55
53
55
65
75
77
73
64
91
76
83
72
71
50
53
48
28
70
54
73
45
46
17
16
19
9
–
19
24
17
26
10
9
10
17
7
9
6
11
17
–
–
–
–
–
–
–
–
–
–
–
13
–
3
–
–
–
–
100
100
100
100
100
85
90
87
88
85
37
46
18
–
24
68
64
47
–
46
71
71
66
–
68
37
49
44
–
53
–
27
20
–
19
14
18
19
–
17
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
86
89
24
23
57
52
72
82
48
60
18
19
12
6
–
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
91
86
57
21
74
55
82
72
43
49
23
18
8
12
–
–
–
–
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 ...........................................
100
100
100
100
100
100
86
79
85
87
87
89
14
–
20
23
30
30
45
–
48
55
66
65
71
–
69
71
76
77
44
–
45
47
53
53
11
–
16
19
21
21
14
–
14
15
8
9
–
–
–
–
–
–
–
–
–
–
–
11
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
84
83
19
17
51
48
64
62
38
40
17
17
17
15
–
–
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services:
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
87
89
80
92
94
86
99
87
89
91
88
88
82
25
29
31
23
–
44
67
31
31
35
25
31
–
58
51
60
46
–
54
94
65
68
68
68
68
78
75
77
76
81
–
72
94
72
76
75
77
80
74
51
60
52
72
–
40
65
44
45
45
40
67
70
19
22
–
22
–
–
24
17
17
12
29
24
–
11
11
4
11
–
14
5
13
13
15
10
2
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
14
1
13
11
9
12
12
18
100
82
–
47
68
24
9
14
–
18
Establishment characteristic
See footnotes at end of table.
Table 35. Savings and thrift plans: Investment choices for employee funds, private industry workers, National Compensation
Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
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 ............................................
Total
Investment
choice
available
Available investments
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other
Not
determinable
No
investment
choice
available
Not
determinable
100
100
100
100
100
100
83
81
87
89
94
83
20
17
–
27
24
30
50
52
–
60
62
58
63
64
–
78
82
74
38
41
–
55
65
42
16
15
–
20
21
18
18
17
–
8
9
8
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
92
86
82
82
85
92
91
84
90
34
27
21
28
18
27
21
26
28
65
55
54
56
53
52
61
57
60
78
73
68
72
70
64
78
81
73
55
37
45
34
49
52
52
61
57
33
22
–
–
19
–
19
15
18
14
12
14
9
13
14
12
3
12
–
–
–
–
–
–
–
–
–
8
–
–
–
–
8
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20122013.htm.
Table 35. Standard errors for savings and thrift plans: Investment choices for employee funds, private industry workers,
National Compensation Survey, 2012
Characteristics
Investment
choice
available
Available investments
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other
Not
determinable
No
investment
choice
available
Not
determinable
Worker characteristic
All workers ...............................................................
1.5
1.8
1.8
1.7
2.0
1.8
1.4
–
–
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 ....................
1.9
2.4
2.2
4.8
2.2
2.1
2.9
2.4
3.2
2.8
4.1
3.2
–
–
2.6
3.8
3.1
5.8
2.7
3.6
3.6
7.0
–
2.5
4.0
2.9
5.7
2.4
3.5
3.1
6.0
5.3
2.3
3.1
2.6
4.9
3.3
4.4
4.2
5.6
16.6
2.5
3.9
2.5
5.2
2.8
2.6
3.5
2.5
–
2.2
3.8
2.4
5.5
1.7
1.8
2.2
4.8
4.2
1.4
1.8
1.8
4.4
–
–
–
–
–
–
–
–
–
–
–
2.2
–
2.2
–
–
–
–
8.8
3.4
2.3
2.9
4.4
9.6
6.9
2.9
–
4.6
9.7
6.5
3.9
–
6.3
9.7
5.8
4.0
–
5.9
8.9
6.5
4.2
–
6.2
–
6.8
2.8
–
4.1
7.0
5.4
3.7
–
5.0
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.5
3.3
2.0
4.3
1.9
4.9
1.8
3.7
2.1
5.4
1.8
4.0
1.5
1.9
–
–
–
–
Union .......................................................................
Nonunion .................................................................
2.3
1.6
5.4
1.9
4.4
1.9
3.7
1.9
5.1
2.2
5.1
1.9
3.0
1.5
–
–
–
–
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 ...........................................
3.4
11.3
1.9
1.9
2.0
3.0
3.3
–
2.2
2.9
2.8
3.2
4.9
–
3.0
3.0
2.2
3.1
4.5
–
3.0
2.8
2.3
3.1
5.4
–
2.9
3.4
2.9
3.5
2.5
–
2.0
2.6
2.8
3.5
3.9
–
2.4
2.6
1.3
2.0
–
–
–
–
–
–
–
–
–
–
–
3.0
Goods-producing industries .....................................
Manufacturing ......................................................
3.5
3.9
3.2
3.4
4.2
4.2
4.5
4.6
3.7
4.4
2.2
2.5
3.4
3.7
–
–
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services:
Healthcare and social assistance ....................
1.6
2.1
4.5
2.0
6.0
5.1
0.8
1.9
2.3
3.2
4.3
3.9
6.4
2.0
3.5
8.6
3.7
–
8.9
8.0
3.9
4.1
5.5
5.7
6.2
–
2.3
3.8
6.8
3.9
–
9.5
3.2
3.3
3.4
5.4
5.0
6.0
6.8
1.9
3.4
5.0
4.1
–
7.8
3.2
3.0
2.9
4.4
4.5
4.8
7.0
2.1
3.8
8.1
4.4
–
10.2
7.5
4.5
4.7
5.6
6.0
5.6
7.7
2.4
3.2
–
3.4
–
–
6.9
3.0
3.0
3.5
6.6
6.5
–
1.5
2.9
2.0
3.9
–
7.6
3.0
2.8
2.8
4.0
3.6
1.7
2.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.1
0.8
1.9
2.3
3.2
4.3
3.9
6.4
4.4
–
6.1
5.2
4.9
2.5
4.1
–
4.4
Establishment characteristic
See footnotes at end of table.
Table 35. Standard errors for savings and thrift plans: Investment choices for employee funds, private industry workers,
National Compensation Survey, 2012—Continued
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 ............................................
Investment
choice
available
Available investments
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other
Not
determinable
No
investment
choice
available
Not
determinable
2.7
3.3
3.7
1.7
1.3
3.4
2.9
2.9
–
2.2
2.8
3.2
3.5
3.9
–
2.2
2.7
3.6
3.7
4.3
–
1.7
2.2
3.3
4.0
4.3
–
2.2
3.3
3.2
3.1
3.3
–
2.0
2.4
2.5
2.9
3.4
–
1.3
2.0
1.2
–
–
–
–
–
–
–
–
–
–
–
–
3.7
3.7
3.3
3.8
5.6
5.4
2.2
5.6
3.3
5.1
4.9
5.4
8.2
4.2
5.9
2.4
6.1
4.4
3.3
4.8
5.8
5.1
4.7
7.4
6.3
6.7
3.6
3.6
3.3
4.8
5.1
5.4
8.8
2.9
6.6
4.5
6.7
8.5
6.1
5.2
5.3
6.6
4.5
5.3
4.4
7.3
6.5
–
–
3.5
–
4.5
3.9
3.4
6.7
3.4
3.7
2.1
4.7
6.8
3.6
2.1
2.2
–
–
–
–
–
–
–
–
–
3.7
–
–
–
–
5.4
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 36. Savings and thrift plans: Investment choices for employer funds, private industry workers, National Compensation
Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Total
Investment
choice
available
Available investments
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other
Not
determinable
No
investment
choice
available
Not
determinable
Worker characteristic
All workers ...............................................................
100
83
23
53
70
47
17
11
3
14
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 ....................
100
100
100
100
100
100
100
100
100
86
87
85
80
97
82
86
81
77
24
28
22
–
–
26
26
26
36
61
64
59
42
–
52
53
51
54
74
77
72
63
91
72
81
68
58
49
52
46
28
70
52
71
42
44
17
15
18
9
–
18
24
15
15
9
8
10
16
6
8
5
10
16
1
–
1
–
–
2
3
2
–
13
–
14
–
3
15
11
17
–
100
100
100
100
100
77
77
84
85
83
29
38
17
13
24
60
52
43
44
41
63
57
63
63
63
37
46
42
37
49
–
–
20
21
18
14
17
18
19
17
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
83
87
24
23
54
52
69
80
46
58
17
19
12
6
3
3
14
10
Union .......................................................................
Nonunion .................................................................
100
100
77
84
44
22
61
53
68
70
42
47
9
18
8
12
–
2
–
14
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 ...........................................
100
100
100
100
100
100
83
75
84
84
83
86
14
–
20
22
29
31
44
–
44
53
62
63
69
–
67
68
73
75
42
–
43
45
51
51
11
–
16
18
18
20
13
–
13
14
8
8
–
–
2
3
–
1
–
–
14
13
–
13
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
81
80
17
16
44
43
60
61
36
39
15
17
16
15
–
–
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
84
86
–
88
94
–
83
83
85
89
85
88
81
–
–
–
–
25
28
–
23
–
–
57
30
31
35
24
33
–
–
–
–
–
56
50
–
46
–
–
77
64
67
67
67
65
78
–
–
–
–
72
75
–
78
–
–
77
71
74
75
76
79
78
–
–
–
–
49
58
–
69
–
–
65
43
44
44
40
62
66
–
–
–
–
17
22
–
21
–
–
–
17
17
12
29
24
–
–
–
–
–
10
11
–
10
–
–
5
11
10
14
8
2
3
–
–
–
–
3
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
13
13
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 36. Savings and thrift plans: Investment choices for employer funds, private industry workers, National Compensation
Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
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 ............................................
Total
Investment
choice
available
Available investments
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other
Not
determinable
No
investment
choice
available
Not
determinable
100
100
100
100
100
100
79
77
83
86
90
81
20
18
–
25
23
28
47
49
–
58
58
57
59
60
–
76
79
72
35
39
–
53
62
42
15
14
–
18
19
17
18
16
–
8
8
7
–
–
–
2
–
2
–
–
–
12
–
17
100
100
100
100
100
100
100
100
100
82
83
81
78
83
90
89
83
84
–
25
23
–
17
27
21
25
28
55
53
53
52
50
52
59
54
55
67
71
67
68
69
65
75
78
69
52
36
45
34
47
49
49
59
53
25
–
–
–
17
–
19
14
17
13
12
14
9
13
13
12
3
10
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
13
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no
data were reported or that data do 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/glossary20122013.htm.
Table 36. Standard errors for savings and thrift plans: Investment choices for employer funds, private industry workers,
National Compensation Survey, 2012
Characteristics
Investment
choice
available
Available investments
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other
Not
determinable
No
investment
choice
available
Not
determinable
Worker characteristic
All workers ...............................................................
1.4
1.9
1.8
1.8
2.0
1.8
1.4
0.6
1.4
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 ....................
1.9
2.4
2.3
4.9
2.4
2.0
2.9
2.5
5.4
3.0
4.0
3.5
–
–
2.6
3.8
3.0
4.9
2.8
3.6
3.8
7.0
–
2.5
4.0
2.8
5.5
2.3
3.3
3.1
5.9
5.3
2.3
3.0
2.6
5.4
3.4
4.7
4.3
5.5
16.6
2.4
3.9
2.4
5.2
2.8
2.6
3.5
2.5
–
2.2
3.8
2.4
3.8
1.7
1.7
2.2
5.0
4.1
1.4
1.7
1.7
4.3
0.3
–
0.3
–
–
0.4
0.6
0.5
–
1.9
–
2.3
–
2.4
2.0
3.0
2.3
–
10.7
6.7
2.5
3.1
4.5
8.0
6.4
2.8
3.0
4.5
10.1
7.0
3.5
5.0
5.5
10.3
6.7
4.0
5.2
6.4
8.9
6.6
4.4
5.2
6.8
–
–
2.8
3.2
4.2
7.0
5.3
3.6
4.9
5.0
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.5
3.1
2.0
4.3
1.8
4.9
1.9
3.5
2.0
5.0
1.8
4.0
1.5
1.9
0.7
0.7
1.5
3.2
Union .......................................................................
Nonunion .................................................................
5.4
1.6
5.1
1.9
5.4
1.9
5.7
1.8
5.0
2.2
2.5
1.9
3.0
1.5
–
0.4
–
1.5
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 ...........................................
3.4
11.3
1.9
2.0
1.9
2.9
3.3
–
2.2
2.9
2.8
3.0
4.9
–
3.1
2.9
2.5
3.1
4.5
–
2.9
2.7
2.5
3.0
5.2
–
2.8
3.4
3.0
3.6
2.5
–
1.9
2.5
2.9
3.4
3.9
–
2.4
2.6
1.3
2.0
–
–
0.7
0.6
–
0.4
–
–
1.9
1.8
–
3.0
Goods-producing industries .....................................
Manufacturing ......................................................
3.4
4.0
2.9
3.2
3.9
4.0
4.0
4.5
3.6
4.4
2.0
2.5
3.4
3.7
–
–
–
–
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 ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
1.5
2.3
–
2.2
6.0
–
6.8
2.3
2.5
3.3
4.5
4.0
6.4
–
–
–
–
2.1
3.5
–
3.7
–
–
7.8
3.9
4.2
5.5
5.8
6.4
–
–
–
–
–
2.3
3.8
–
3.9
–
–
6.7
3.3
3.4
5.4
5.1
6.1
6.8
–
–
–
–
1.9
3.4
–
3.9
–
–
6.7
3.0
2.9
4.5
4.7
5.0
6.8
–
–
–
–
2.1
3.7
–
4.3
–
–
7.5
4.4
4.6
5.6
6.0
6.2
8.1
–
–
–
–
2.2
3.1
–
3.4
–
–
–
3.0
3.0
3.5
6.6
6.5
–
–
–
–
–
1.5
2.9
–
3.9
–
–
3.0
2.7
2.6
3.9
3.3
1.7
2.8
–
–
–
–
0.7
0.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.4
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 36. Standard errors for savings and thrift plans: Investment choices for employer funds, private industry workers,
National Compensation Survey, 2012—Continued
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 ............................................
Investment
choice
available
Available investments
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other
Not
determinable
No
investment
choice
available
Not
determinable
2.5
3.4
4.5
1.7
1.6
3.5
2.9
2.8
–
2.3
2.8
3.2
3.4
3.8
–
2.2
2.8
3.6
3.6
4.0
–
1.8
2.2
3.5
3.7
4.1
–
2.2
3.6
3.2
2.9
2.8
–
2.0
2.4
2.5
2.9
3.4
–
1.3
2.0
1.2
–
–
–
0.5
–
0.5
–
–
–
1.7
–
3.4
2.1
3.3
3.2
5.7
5.2
5.3
2.6
5.4
3.2
–
5.2
6.0
–
3.4
5.9
2.4
6.1
4.1
6.0
4.5
5.6
6.9
4.6
7.3
4.8
7.4
3.8
8.2
3.8
4.8
6.5
5.6
7.5
2.9
7.0
4.2
6.1
8.5
6.1
5.2
5.0
6.9
3.4
5.5
4.5
6.7
–
–
–
3.1
–
4.4
4.0
3.2
7.2
3.5
3.7
2.1
4.6
6.8
3.6
2.1
1.9
–
–
–
–
–
–
–
–
0.5
–
–
–
–
–
–
–
–
3.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 37. Savings and thrift plans: Method of distribution of retirement benefits, private
industry workers, National Compensation Survey, 2012
(All workers participating in savings and thrift plans = 100 percent)
Method of distribution1
Characteristics
Lump sum
Annuity
Installments
Not
determinable
Other2
Worker characteristic
All workers ...............................................................
91
17
39
10
9
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
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 ....................
91
91
91
92
92
91
94
20
17
22
14
9
17
26
43
41
45
31
20
36
56
6
7
5
17
28
11
–
8
8
8
8
8
9
6
98
92
95
94
96
–
28
13
15
10
52
58
40
49
26
–
–
–
–
–
2
7
5
6
4
Full time ...................................................................
Part time ..................................................................
91
90
17
18
40
29
9
22
9
10
Union .......................................................................
Nonunion .................................................................
93
91
26
16
58
37
–
10
7
9
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 ...........................................
88
95
90
92
92
92
9
–
16
15
21
19
33
56
34
39
44
41
20
–
11
11
5
5
12
5
9
8
8
7
Goods-producing industries .....................................
Manufacturing ......................................................
95
94
18
19
41
45
5
5
5
6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
90
94
92
96
100
92
88
88
94
83
92
98
81
87
81
80
17
10
–
14
–
38
20
21
28
16
–
–
22
48
48
20
39
30
39
24
30
66
37
39
44
36
42
48
37
41
36
36
11
21
–
–
–
–
8
8
–
–
–
–
–
–
–
–
10
6
8
4
–
8
12
11
5
17
8
2
18
8
12
19
Establishment characteristic
See footnotes at end of table.
Table 37. Savings and thrift plans: Method of distribution of retirement benefits, private
industry workers, National Compensation Survey, 2012—Continued
(All workers participating in savings and thrift plans = 100 percent)
Method of distribution1
Characteristics
Lump sum
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Annuity
Installments
Not
determinable
Other2
91
90
92
91
94
89
20
20
21
15
12
19
46
43
54
35
37
33
7
–
–
11
14
7
9
10
8
8
6
11
97
85
86
97
98
94
93
97
29
20
14
17
28
12
–
21
52
43
34
39
46
31
37
35
–
5
–
14
17
–
–
8
3
14
14
2
2
6
7
3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Sum of individual items may be greater than total because
multiple methods of distribution are available to some employees
2 Includes methods of distribution not calculated separately (e.g.,
employer stock).
3 Surveyed occupations are classified into wage categories based
on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 37. Standard errors for savings and thrift plans: Method of distribution of retirement
benefits, private industry workers, National Compensation Survey, 2012
Method of distribution
Characteristics
Lump sum
Annuity
Installments
Not
determinable
Other1
Worker characteristic
All workers ...............................................................
1.2
1.4
2.3
1.1
1.2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
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 ....................
1.4
1.7
1.9
1.5
2.1
1.5
2.6
2.3
2.6
3.5
1.2
2.2
1.6
5.8
3.4
5.1
3.6
2.5
3.1
2.9
4.9
1.5
2.0
1.5
1.9
4.0
1.7
–
1.4
1.6
1.8
1.5
2.1
1.5
2.7
1.4
3.4
1.4
2.0
1.6
–
7.1
2.3
3.4
2.6
10.0
5.8
3.7
5.2
4.4
–
–
–
–
–
1.4
3.4
1.4
2.0
1.6
Full time ...................................................................
Part time ..................................................................
1.1
3.4
1.4
2.9
2.4
3.1
1.1
3.1
1.1
3.4
Union .......................................................................
Nonunion .................................................................
1.6
1.3
5.7
1.3
6.1
2.3
–
1.2
1.5
1.2
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 ...........................................
5.3
3.0
2.1
1.1
1.1
1.5
2.4
–
1.8
1.8
2.6
3.0
5.6
9.7
2.7
3.1
3.5
4.3
3.0
–
1.6
2.5
0.9
1.0
5.3
3.0
2.1
1.1
1.1
1.5
Goods-producing industries .....................................
Manufacturing ......................................................
1.5
1.8
3.0
3.3
4.5
4.7
1.4
1.5
1.5
1.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
1.4
1.8
5.2
1.6
(3)
4.9
1.7
2.1
2.8
4.4
3.2
1.0
5.7
5.0
6.9
6.2
1.5
2.1
–
3.8
–
6.8
2.8
2.9
4.5
3.7
–
–
3.6
9.6
7.8
3.7
2.4
3.6
7.5
4.5
7.6
8.4
3.2
3.1
4.8
6.3
7.3
10.7
6.0
9.2
5.9
6.3
1.3
3.3
–
–
–
–
2.0
2.1
–
–
–
–
–
–
–
–
1.4
1.8
5.2
1.6
–
4.9
1.7
2.0
2.7
4.4
3.2
1.0
5.7
5.0
7.0
6.2
Establishment characteristic
See footnotes at end of table.
Table 37. Standard errors for savings and thrift plans: Method of distribution of retirement
benefits, private industry workers, National Compensation Survey, 2012—Continued
Method of distribution
Characteristics
Lump sum
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Annuity
Installments
Not
determinable
Other1
2.5
3.0
4.5
1.4
1.7
1.8
2.9
3.9
5.0
1.4
1.9
2.3
3.8
4.7
7.2
2.7
3.9
3.1
1.9
–
–
1.5
1.9
2.0
2.5
3.0
4.4
1.3
1.7
1.7
1.4
4.0
3.5
1.1
1.2
1.7
5.6
1.3
7.4
3.0
4.1
4.3
5.9
2.5
–
3.7
14.7
7.9
8.4
5.4
9.0
4.7
8.1
4.8
–
0.9
–
4.2
3.3
–
–
1.9
1.4
4.0
3.5
1.0
1.2
1.7
5.6
1.3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Includes methods of distribution not calculated separately (e.g.,
employer stock).
2 Surveyed occupations are classified into wage categories based
on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
3 Less than 0.05.
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 38. Deferred profit-sharing plans: Selected features, private industry
workers, National Compensation Survey, 2012
(All workers participating in deferred profit-sharing plans = 100 percent)
Employer contribution
Characteristics
Total
Based on
Not based on
Not
predetermined predetermined
determinable
formula
formula
Worker characteristic
All workers ...............................................................
100
15
82
3
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
100
100
100
100
19
22
–
–
12
–
12
–
–
16
–
–
77
73
81
88
85
87
84
87
85
81
86
74
4
5
–
–
3
–
4
–
–
3
–
–
Full time ...................................................................
Part time ..................................................................
100
100
15
–
82
85
3
–
Nonunion .................................................................
100
12
85
2
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
–
–
15
20
21
90
90
81
76
76
–
–
4
3
3
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
13
–
86
86
1
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
100
100
100
100
100
15
22
–
–
–
81
76
–
81
87
3
3
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Deferred profit-sharing plans: Selected features, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in deferred profit-sharing plans = 100 percent)
Allocation formula
Characteristics
Equally
distributed
Proportional
to earnings
Proportional
to employee
contributions
Based on
Based on
earnings earnings and
and
unit
service
performance
Other
Not
determinable
Worker characteristic
All workers ...............................................................
–
74
7
9
–
–
6
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
–
–
69
64
74
84
79
67
84
53
63
77
80
73
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
–
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
3
4
11
6
11
3
12
5
8
4
13
Full time ...................................................................
Part time ..................................................................
–
–
76
53
7
–
8
–
–
–
–
–
6
15
Nonunion .................................................................
–
75
7
9
–
–
5
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
73
78
73
73
68
–
–
–
13
–
–
9
–
–
–
–
–
–
–
–
–
–
–
–
–
15
7
7
3
3
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
73
75
–
–
–
–
–
–
–
–
5
7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
–
–
–
–
–
75
69
90
92
82
8
–
–
–
–
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6
10
2
1
3
Establishment characteristic
See footnotes at end of table.
Table 38. Deferred profit-sharing plans: Selected features, private industry
workers, National Compensation Survey, 2012—Continued
(All workers participating in deferred profit-sharing plans = 100 percent)
Employer contribution
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 ............................................
Total
Based on
Not based on
Not
predetermined predetermined
determinable
formula
formula
100
100
100
100
100
100
12
–
–
17
–
30
87
86
89
78
87
66
1
–
–
5
–
4
100
100
100
100
100
100
100
–
9
–
–
–
–
–
81
89
70
83
83
80
–
–
2
–
–
–
–
–
Geographic area
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 38. Deferred profit-sharing plans: Selected features, private industry workers, National
Compensation Survey, 2012—Continued
(All workers participating in deferred profit-sharing plans = 100 percent)
Allocation formula
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 ............................................
Equally
distributed
Proportional
to earnings
Proportional
to employee
contributions
Based on
Based on
earnings earnings and
and
unit
service
performance
Other
Not
determinable
–
–
–
–
–
–
75
72
84
73
73
74
–
–
–
–
–
–
–
–
–
11
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5
7
( )
7
4
11
–
–
–
–
–
–
–
73
80
–
76
69
88
70
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
11
–
3
2
3
3
2
Geographic area
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
2 Less than 0.5.
Note: Because of rounding, sums of individual items may not equal totals. Dashes
indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 38. Standard errors for deferred profit-sharing plans: Selected
features, private industry workers, National Compensation Survey, 2012
Employer contribution
Characteristics
Based on
Not based on
Not
predetermined predetermined
determinable
formula
formula
Worker characteristic
All workers ...............................................................
2.3
2.4
1.2
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.5
4.7
–
–
2.8
–
3.2
–
–
4.8
–
–
5.1
5.9
6.4
6.2
3.0
3.8
3.5
6.5
8.1
4.6
4.6
7.9
2.4
4.0
–
–
1.2
–
1.6
–
–
1.5
–
–
Full time ...................................................................
Part time ..................................................................
2.4
–
2.5
5.1
1.3
–
Nonunion .................................................................
2.2
2.4
1.2
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
3.7
3.7
6.0
3.8
3.2
3.7
4.1
6.4
–
–
1.8
2.1
2.1
Goods-producing industries .....................................
Manufacturing ......................................................
3.7
–
3.9
4.5
0.7
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
2.7
5.5
–
–
–
2.9
5.5
–
7.6
6.7
1.5
1.8
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Standard errors for deferred profit-sharing plans: Selected features, private industry workers,
National Compensation Survey, 2012—Continued
Allocation formula
Characteristics
Equally
distributed
Proportional
to earnings
Proportional
to employee
contributions
Based on
Based on
earnings earnings and
and
unit
service
performance
Other
Not
determinable
Worker characteristic
All workers ...............................................................
–
3.4
1.8
1.7
–
–
2.0
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
–
–
5.2
5.6
6.9
9.7
4.2
9.6
3.0
12.5
12.7
6.7
6.9
8.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.8
–
2.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.3
1.6
1.6
9.0
2.1
5.7
1.5
7.8
3.0
3.0
2.6
5.3
Full time ...................................................................
Part time ..................................................................
–
–
3.2
11.9
1.9
–
1.5
–
–
–
–
–
1.8
6.6
Nonunion .................................................................
–
3.4
1.9
1.8
–
–
1.5
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
8.7
4.7
5.8
4.3
6.8
–
–
–
3.4
–
–
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
7.0
2.9
3.1
0.9
1.5
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
7.0
7.1
–
–
–
–
–
–
–
–
2.8
3.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
–
–
–
–
–
3.9
7.1
3.7
3.2
7.9
2.3
–
–
–
–
1.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.3
4.4
1.4
1.1
2.3
Establishment characteristic
See footnotes at end of table.
Table 38. Standard errors for deferred profit-sharing plans: Selected
features, private industry workers, National Compensation Survey,
2012—Continued
Employer contribution
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 ............................................
Based on
Not based on
Not
predetermined predetermined
determinable
formula
formula
3.6
–
–
3.3
–
6.7
3.6
4.7
5.2
3.8
4.2
6.8
0.4
–
–
2.4
–
2.4
–
1.6
–
–
–
–
–
8.5
2.1
12.2
7.3
6.9
9.3
–
–
1.7
–
–
–
–
–
Geographic area
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
See footnotes at end of table.
Table 38. Standard errors for deferred profit-sharing plans: Selected features, private industry workers,
National Compensation Survey, 2012—Continued
Allocation formula
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 ............................................
Equally
distributed
Proportional
to earnings
Proportional
to employee
contributions
Based on
Based on
earnings earnings and
and
unit
service
performance
Other
Not
determinable
–
–
–
–
–
–
5.6
7.1
5.7
4.5
6.2
7.6
–
–
–
–
–
–
–
–
–
2.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.5
3.3
0.1
2.9
1.6
6.6
–
–
–
–
–
–
–
9.3
6.3
–
8.7
7.5
5.6
7.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.0
6.2
–
2.2
1.6
2.1
2.4
Geographic area
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the
average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Table 39. Money purchase pension plans: Employer contributions, private industry workers, National Compensation
Survey, 2012
(All workers participating in money purchase pension plans = 100 percent)
Fixed percent of earnings
Characteristics
Total
Fixed percent
of earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other
Not
determinable
Worker characteristic
All workers ...............................................................
100
62
2.00
3.00
3.00
5.00
9.00
38
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
60
61
60
60
65
65
–
2.00
–
2.00
2.00
2.00
2.00
–
3.00
3.00
3.00
–
3.00
3.00
–
5.00
3.50
5.00
3.00
3.00
3.00
–
7.00
6.00
8.00
–
5.00
5.00
–
10.00
10.00
10.00
–
8.00
7.50
–
40
39
40
40
35
35
60
–
–
–
–
–
–
–
100
100
100
100
100
–
86
77
83
70
–
1.00
–
–
–
–
–
–
–
2.00
–
3.00
3.00
3.00
3.00
–
3.00
4.00
4.00
3.50
–
–
5.00
5.00
5.00
80
–
23
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
63
51
2.00
2.00
3.00
3.00
3.00
3.00
5.00
3.25
9.00
4.50
37
49
–
–
Union .......................................................................
Nonunion .................................................................
100
100
28
69
1.00
2.00
–
3.00
–
3.00
–
5.00
8.00
9.00
72
31
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
91
72
59
56
64
–
2.00
2.00
2.00
3.00
–
3.00
–
3.00
–
3.25
3.00
3.00
5.00
5.00
4.50
3.50
4.00
7.00
9.40
5.00
6.00
8.00
10.00
10.00
–
28
41
44
36
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
64
83
–
1.00
–
–
3.00
3.00
–
3.00
5.00
5.00
36
–
–
–
Service-providing industries .....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
61
53
58
54
51
2.00
2.00
–
–
–
3.00
–
5.00
5.00
2.00
3.50
3.00
7.00
7.00
3.00
6.00
7.00
8.00
9.50
3.00
10.00
8.00
10.00
10.00
5.00
39
47
42
46
49
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
65
68
60
73
55
3.00
–
–
–
–
3.00
3.00
–
3.00
2.00
3.00
3.00
3.50
4.00
–
–
–
6.00
5.00
8.00
5.00
6.00
10.00
–
10.00
35
32
40
–
45
–
–
–
–
–
100
100
100
100
100
100
100
43
46
64
71
78
83
50
3.00
–
–
–
–
–
3.00
–
3.00
3.00
2.00
–
–
–
–
4.50
3.00
3.00
3.00
5.00
5.00
7.00
–
3.00
4.00
–
–
5.00
8.00
10.00
5.00
–
10.00
10.00
–
57
54
36
–
22
–
50
–
–
–
–
–
–
–
Establishment characteristic
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average wage
for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from
the National Compensation Survey publication, "Employer Costs for Employee Compensation
- March 2012."
Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do 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/glossary20122013.htm.
Table 39. Standard errors for money purchase pension plans: Employer contributions, private industry workers,
National Compensation Survey, 2012
Fixed percent of earnings
Characteristics
Fixed percent
of earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other
Not
determinable
Worker characteristic
All workers ...............................................................
3.8
0.00
0.00
0.14
0.00
1.53
3.8
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.8
6.1
5.5
10.6
5.7
5.9
–
0.00
–
0.36
0.00
0.00
0.12
–
0.00
0.00
0.20
–
0.00
0.00
–
0.61
1.02
0.29
0.00
0.10
0.20
–
1.31
1.40
1.49
–
1.37
1.43
–
0.17
0.89
0.10
–
1.48
1.18
–
4.8
6.1
5.5
10.6
5.7
5.9
11.9
–
–
–
–
–
–
–
–
6.0
6.7
8.4
9.5
–
0.28
–
–
–
–
–
–
–
0.20
–
0.22
0.00
0.00
0.28
–
0.00
1.05
1.10
0.60
–
–
0.33
0.46
1.14
11.2
–
6.7
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.8
9.9
0.21
0.00
0.00
0.71
0.20
0.00
0.20
0.56
1.55
1.31
3.8
9.9
–
–
Union .......................................................................
Nonunion .................................................................
8.3
3.6
0.00
0.00
–
0.00
–
0.17
–
0.00
2.36
1.51
8.3
3.6
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.2
5.7
6.6
5.0
7.1
–
0.21
0.00
0.00
0.40
–
0.68
–
0.00
–
0.57
0.00
0.00
0.31
0.00
0.88
1.02
0.92
1.47
1.94
0.98
1.02
1.36
0.00
0.00
–
5.7
6.6
5.0
7.1
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
8.1
7.2
–
0.00
–
–
0.00
0.00
–
0.71
0.28
1.02
8.1
–
–
–
Service-providing industries .....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
3.9
6.0
4.6
5.0
9.1
0.00
0.37
–
–
–
0.00
–
0.28
0.46
0.25
0.82
0.56
0.14
0.34
0.10
1.07
1.00
0.96
1.61
0.11
0.87
0.86
0.14
0.00
0.58
3.9
6.0
4.6
5.0
9.1
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
8.6
8.9
3.9
8.7
5.0
0.28
–
–
–
–
0.00
0.00
–
0.00
0.00
0.00
0.00
0.80
1.09
–
–
–
1.50
0.20
1.46
0.92
1.37
0.51
–
0.10
8.6
8.9
3.9
–
5.0
–
–
–
–
–
12.1
7.5
6.3
9.5
4.6
12.3
9.1
0.00
–
–
–
–
–
0.00
–
0.21
0.49
0.45
–
–
–
–
0.64
0.00
0.10
0.00
1.28
0.00
0.59
–
0.00
1.10
–
–
0.00
1.06
2.70
1.32
–
2.63
0.56
–
12.1
7.5
6.3
–
4.6
–
9.1
–
–
–
–
–
–
–
Establishment characteristic
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Pacific ......................................................................
1 Surveyed occupations are classified into wage categories based on the average
wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates generated
using data from the National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2012."
Note: Dashes indicate that no data were reported or that data do 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/glossary20122013.htm.
Technical Note
Data in this bulletin are from the National Compensation Survey (NCS), conducted by the U.S. Department of
Labor, Bureau of Labor Statistics (BLS). The bulletin contains 2012 data on detailed employer-provided health
and retirement benefit plan provisions for private industry workers in the United States. Excluded from the 2012
survey are Federal government workers, state and local government workers, the military, agricultural workers,
private household workers, aircraft manufacturing workers, and the self-employed. Previous publications
containing information on employee benefits for private industry and state and local government workers are
available on the BLS website http://www.bls.gov/ncs/ebs.
Calculation details
Average hourly earnings from sampled occupations within an establishment were used to produce estimates for
worker groups within the six earnings categories: the lowest 10 percent, the lowest 25 percent, the second 25
percent, the third 25 percent, the highest 25 percent, and the highest 10 percent. The categories are based on
March 2012 wages and salaries from the Employer Costs for Employee Compensation data release.
The percentiles were computed using earnings and scheduled hours of work reported for individual workers in
sampled establishment jobs. Establishments in the survey are asked to report only individual worker earnings
for each sampled job. For the calculation of the hourly percentile values, the individual worker hourly earnings
are weighted and arrayed from lowest to highest. The values corresponding to the percentiles are:
Hourly wage percentiles
Characteristic
Private industry workers
10
25
50 (median)
75
90
$8.40
$11.00
$16.45
$25.77
$39.94
The lowest 10 percent and 25 percent wage categories include those occupations with an average hourly wage
less than the 10th percentile and 25th percentile value, respectively. The second 25 percent category includes
those occupations that earn at or above the 25th percentile value but less than the 50th percentile value. The
third 25 percent category includes those occupations that earn at or above the 50th percentile value but less than
the 75th percentile value. Finally, the highest 25 and 10 percent wage categories include those occupations with
an average wage value greater than or equal to the 75th and 90th percentile value, respectively.
(Note: Individual workers can fall into an earnings category different from the average for the occupation into
which they are classified because average hourly earnings for the occupation are used to produce the benefit
estimates.)
Not determinable estimates
Some tables in this bulletin contain columns with estimates classified as "not determinable." Situations that
result in this classification can vary. In detailed provisions of employer-provided health care plans, the "not
determinable" classification is used whenever no information on a particular plan feature is available from the
Summary Plan Description (SPD). The SPD is used as a primary source of information on the provisions of a
health benefit plan. For example, in table 1, workers are classified as participating in four types of fee-forservice plans. Workers that were known to participate in a fee-for-service plan, but the plan type was either not
specified or was specified but did not fit into any of the four categories used in the table, were classified into the
"not determinable" category.
Another situation in which the "not determinable" classification may be used is when workers participate in
plans in which a provision is known to exist, but no information on the specific details of this provision is
available from the SPD. For example, in one of the tables, all workers participate in fee-for-service plans. The
majority of the workers included in this table participated in plans that specified a deductible, but a small
percentage of workers participated in plans in which the deductible was mentioned but not described. These
workers were classified into the "not determinable" category.
Interpreting the tables
The set of workers on which estimates in the tables are based is indicated by the statement directly under each
table’s title. For example, the statement may indicate that “All workers participating in medical care plans = 100
percent,” or “Includes all workers participating in savings and thrift plans that specify matching contributions.”
All estimates shown in the table are based on the set of workers specified underneath the table title and on any
subsets indicated by column headers.
Most of the estimates in this bulletin are expressed in terms of the percentage of workers participating in a
particular benefit plan or the percentage covered by a specific provision. Some estimates, however, provide
values other than percentages of workers, such as the median age requirement for eligibility to participate in a
defined benefit retirement plan; dollar averages, medians, and percentiles for various benefit provisions; and the
specified matching percent (by percentile) an employer will contribute to an employees’ savings and thrift
retirement plan.
The nonshaded estimates indicate percentages of workers. Shaded estimates measure values other than the
percent of workers.
Survey sample
The 2012 survey included a sample of approximately 3,200 establishments.
Obtaining additional information
Information on the survey scope, sample design, data collection, survey estimation, and reliability of estimates,
technical references, and survey definitions are available in Chapter 8 of the BLS Handbook of Methods,
available online at: http://www.bls.gov/opub/hom/homch8_a.htm. Definitions of major plans, key provisions,
and related benefit terms used by the National Compensation Survey are provided in the Glossary of Employee
Benefit Terms, available online at: www.bls.gov/ncs/ebs/glossary20122013.htm.
Appendix table 1: Survey establishment response
Appendix table 2: Number of workers represented
Appendix table 1. Survey establishment response, private
industry, National Compensation Survey, 2012
Number of
establishments
Establishments
Total in sampling frame1 ........................................................
5,496,029
Total in sample ....................................................................
Responding ........................................................................
Refused or unable to provide data .....................................
Out of business or not in survey scope ..............................
3,224
2,283
698
243
1 The list of establishments from which
the survey sample was selected (sampling
frame) was developed from State
unemployment insurance reports and is
based on the 2007 North American
Industry Classification System (NAICS).
For private industries, an establishment is
usually a single physical location.
Appendix table 2. Number of workers1 represented, private
industry, National Compensation Survey, 2012
Estimated number
of workers
Occupational group2
All workers .............................................................................
103,728,600
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 ..............................
26,621,400
10,073,700
16,547,700
23,268,400
1,167,400
29,162,500
11,290,000
17,872,600
8,434,700
3,698,100
4,736,500
16,241,600
8,219,000
8,022,600
1 The number of workers represented
by the survey are rounded to the nearest
100. Estimates of the number of workers
provide a description of the size and
composition of the labor force included in
the survey. Estimates are not intended,
however, for comparison to other statistical
series to measure employment trends or
levels.
2 The 2000 Standard Occupational
Classification system is used to classify
workers.