Table 46. Defined benefit plans: Availability and eligibility requirements for open plans,1 private industry workers, 2015
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
Plans open to
new
employees
Minimum
No minimum
Minimum
Minimum
age and
age or
age only
service only
service
service
requirement requirement
requirement
requirement
Age and
service
requirement
not
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristics
All workers ...............................................................
59
17
–
27
13
–
40
1
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 ....................
52
54
50
78
55
51
57
72
16
14
18
–
21
–
24
–
–
–
–
–
–
–
–
–
21
30
14
42
19
10
22
48
11
–
13
14
–
–
8
19
–
–
–
–
–
–
–
–
48
46
50
22
45
49
43
27
(2)
(2)
–
–
–
–
–
1
82
59
59
42
73
–
–
18
–
26
–
–
–
–
–
60
32
29
19
38
22
–
11
–
–
–
–
–
–
–
–
40
37
51
25
–
2
4
6
2
Full time ...................................................................
Part time ..................................................................
57
75
14
42
–
–
28
21
13
12
–
–
42
25
1
1
Union .......................................................................
Nonunion .................................................................
75
48
11
20
–
–
47
15
17
10
–
–
23
51
2
(2)
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
58
66
57
57
55
28
27
17
11
7
–
–
–
–
–
19
29
27
28
28
–
9
12
14
–
–
–
–
–
–
39
34
42
42
45
3
(2)
2
1
2
( )
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
43
84
30
–
–
–
–
–
–
27
61
16
11
23
–
–
–
–
54
–
67
2
–
3
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 ...
Health care and social assistance ...................
63
68
70
61
76
56
48
57
55
59
58
63
58
44
59
61
21
30
48
35
–
–
–
24
25
19
34
–
23
–
41
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
27
29
–
–
46
–
–
26
24
–
–
–
–
–
–
–
13
9
–
–
–
–
–
–
–
–
–
–
19
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
36
30
–
37
–
44
52
43
45
41
42
37
42
56
41
39
1
2
–
2
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 46. Defined benefit plans: Availability and eligibility requirements for open plans,1 private industry workers,
2015—continued
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
Plans open to
new
employees
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Minimum
No minimum
Minimum
Minimum
age and
age or
age only
service only
service
service
requirement requirement
requirement
requirement
Age and
service
requirement
not
determinable
Plans not
open to new
employees
Not
determinable
64
64
63
57
60
54
16
18
14
17
16
17
–
–
–
–
–
–
34
36
32
24
29
21
–
–
–
13
14
11
–
–
–
–
–
–
36
36
36
42
40
44
1
(2)
1
1
–
2
63
59
64
50
52
56
40
69
71
64
55
62
53
20
–
20
11
–
–
–
21
17
–
17
–
16
–
–
–
–
–
–
–
–
–
–
–
–
–
32
34
32
24
27
–
26
28
30
25
25
–
23
9
–
12
–
–
–
–
18
22
–
12
–
14
–
–
–
–
–
–
–
–
–
–
–
–
–
37
41
35
49
48
44
58
28
–
33
45
38
47
(2)
–
1
1
(2)
–
2
3
–
3
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
A typical minimum age requirement is 21 years and service requirement is 12 months. See glossary for additional information on requirements.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 46. Standard errors for defined benefit plans: Availability and eligibility requirements for open plans,1 private industry
workers, 2015
Open to new employees
Characteristics
Plans open to
Minimum age Minimum age
new
and service
only
employees
requirement requirement
Minimum
service only
requirement
No minimum
age or
service
requirement
Age and
service
requirement
not
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristics
All workers ...............................................................
2.3
1.8
–
2.3
1.9
–
2.4
0.4
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 ....................
4.3
5.9
4.8
5.2
4.6
14.0
3.1
4.1
3.1
3.8
4.1
–
2.4
–
2.6
–
–
–
–
–
–
–
–
–
4.3
7.6
3.5
8.4
3.2
3.0
4.1
4.8
2.9
–
3.9
3.6
–
–
1.8
2.9
–
–
–
–
–
–
–
–
4.3
5.9
4.8
5.2
4.6
14.0
3.1
4.0
(2)
0.1
–
–
–
–
–
1.3
6.1
6.2
5.2
8.1
5.1
–
–
2.8
–
4.4
–
–
–
–
–
6.4
7.2
4.3
5.0
6.2
3.1
–
3.1
–
–
–
–
–
–
–
–
6.1
5.9
10.1
5.1
–
1.7
1.6
3.0
1.7
Full time ...................................................................
Part time ..................................................................
2.6
4.7
1.7
5.8
–
–
2.5
4.5
2.1
3.2
–
–
2.7
4.6
0.5
0.5
Union .......................................................................
Nonunion .................................................................
3.2
3.5
2.2
2.4
–
–
3.6
2.8
2.3
2.8
–
–
3.3
3.5
1.0
0.2
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.1
3.9
3.4
3.5
5.1
6.1
3.6
2.1
2.1
1.8
–
–
–
–
–
5.4
4.2
3.3
3.7
5.6
–
2.1
2.1
3.3
–
–
–
–
–
–
6.8
3.9
3.6
3.5
5.1
2.5
0.2
1.1
0.5
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.7
6.1
5.5
–
–
–
–
–
–
3.8
6.3
3.5
2.4
3.8
–
–
–
–
6.3
–
6.3
1.4
–
1.9
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 ...
Health care and social assistance ...................
2.1
4.2
9.2
7.3
7.6
7.7
8.1
3.3
3.7
5.1
6.3
10.6
5.3
8.5
5.0
5.8
2.3
3.8
7.8
6.1
–
–
–
2.7
3.0
3.7
5.2
–
6.4
–
5.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.8
3.3
–
–
7.2
–
–
3.3
4.9
–
–
–
–
–
–
–
2.4
1.6
–
–
–
–
–
–
–
–
–
–
5.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.1
4.0
–
7.3
–
7.7
8.1
3.3
3.7
5.1
6.3
10.6
5.3
8.5
5.0
5.8
0.3
1.0
–
1.2
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 46. Standard errors for defined benefit plans: Availability and eligibility requirements for open plans,1 private industry
workers, 2015—continued
Open to new employees
Characteristics
Plans open to
Minimum age Minimum age
new
and service
only
employees
requirement 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 ............................................
Minimum
service only
requirement
No minimum
age or
service
requirement
Age and
service
requirement
not
determinable
Plans not
open to new
employees
Not
determinable
4.0
4.7
7.0
3.0
4.7
3.6
2.3
4.0
3.9
2.3
2.6
3.3
–
–
–
–
–
–
3.4
4.4
7.4
2.9
6.7
2.3
–
–
–
1.9
2.7
2.9
–
–
–
–
–
–
4.0
4.7
6.9
3.1
4.7
3.7
0.3
0.2
0.8
0.6
–
0.9
3.7
8.2
4.2
4.1
5.2
11.3
5.6
5.5
7.2
5.8
4.9
6.0
5.9
3.9
–
4.6
2.6
–
–
–
3.9
3.0
–
4.2
–
4.7
–
–
–
–
–
–
–
–
–
–
–
–
–
4.2
7.0
5.7
4.1
4.9
–
6.2
6.1
7.9
6.9
2.8
–
3.4
2.1
–
3.0
–
–
–
–
4.4
5.8
–
3.1
–
3.7
–
–
–
–
–
–
–
–
–
–
–
–
–
3.8
8.2
4.3
4.1
5.2
11.3
6.6
5.9
–
4.9
4.9
6.0
5.9
0.3
–
0.4
0.5
0.1
–
2.3
1.4
–
2.5
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
A typical minimum age requirement is 21 years and service requirement is 12 months. See glossary for additional information on requirements.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 47. Defined benefit plans: Plan sponsor,1 private industry workers, 2015
(All workers participating in selected defined benefit plans = 100 percent)
Traditional defined benefit
plans4
All defined benefit plans2
Characteristics
Single
employer
sponsor
Multi-employer
sponsor3
Single
employer
sponsor
Nontraditional defined benefit
plans5
Multi-employer
sponsor3
Single
employer
sponsor
Multi-employer
sponsor3
Worker characteristics
All workers ...............................................................
80
18
71
26
100
–
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 ....................
93
91
94
52
84
76
88
54
–
–
–
48
15
–
12
42
87
83
89
38
75
71
77
46
–
–
–
62
25
–
22
49
100
100
100
100
100
100
100
96
–
–
–
–
–
–
–
–
26
89
80
86
76
68
–
16
14
–
19
85
75
81
72
75
–
20
19
–
–
100
100
100
100
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
83
59
15
41
74
49
23
51
100
100
–
–
Union .......................................................................
Nonunion .................................................................
53
97
43
–
47
95
48
–
98
100
–
–
Average wage within the following categories6:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
61
75
84
83
86
39
24
14
14
–
47
61
78
74
76
53
39
20
22
–
–
100
100
100
100
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
76
27
92
23
68
–
69
–
89
29
78
–
99
–
100
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
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 ...
Health care and social assistance ...................
82
71
43
77
97
100
96
100
100
100
95
91
79
97
93
16
24
57
–
–
–
–
–
–
–
–
–
–
–
–
71
65
29
74
95
100
89
100
100
100
–
85
66
96
88
25
30
71
–
–
–
–
–
–
–
–
–
–
–
–
100
100
–
–
100
–
100
100
100
100
–
100
–
–
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 47. Defined benefit plans: Plan sponsor,1 private industry workers, 2015—continued
(All workers participating in selected defined benefit plans = 100 percent)
Traditional defined benefit
plans4
All defined benefit plans2
Characteristics
Single
employer
sponsor
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Multi-employer
sponsor3
Single
employer
sponsor
Nontraditional defined benefit
plans5
Multi-employer
sponsor3
Single
employer
sponsor
Multi-employer
sponsor3
71
76
62
84
85
83
26
24
30
15
14
15
64
69
57
74
77
73
33
31
34
24
22
25
99
98
–
100
100
100
–
–
–
–
–
–
75
69
78
88
85
91
78
79
76
74
70
75
22
–
22
10
13
–
20
21
20
23
–
22
64
56
67
83
79
86
64
61
69
63
–
65
32
–
33
15
19
–
34
39
26
33
–
30
99
97
100
100
100
100
100
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Sum of single- and multi-employer sponsor may not equal 100 percent as other plan sponsor types are not included (e.g., employer associations, railroad retirement
boards).
2 All workers participating in defined benefit plans = 100 percent.
3 Plans established by a labor organization and provided to employees of two or more unrelated companies in accordance with a collective bargaining agreement.
4 All workers participating in traditional defined benefit plans = 100 percent. See glossary for definition of traditional plans.
5 All workers participating in nontraditional defined benefit plans = 100 percent. See glossary for definition of nontraditional plans.
6 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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 47. Standard errors for defined benefit plans: Plan sponsor, private industry workers, 2015
Traditional defined benefit
plans2
All defined benefit plans
Characteristics
Single
employer
sponsor
Multi-employer
sponsor1
Single
employer
sponsor
Multi-employer
sponsor1
Nontraditional defined benefit
plans3
Single
employer
sponsor
Multi-employer
sponsor1
Worker characteristics
All workers ...............................................................
1.9
1.7
2.5
2.4
0.2
–
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
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.3
3.2
3.1
7.4
2.5
6.7
2.4
4.8
–
–
–
7.4
2.4
–
2.2
5.8
3.8
5.3
5.1
8.5
3.9
8.7
4.3
5.3
–
–
–
8.5
3.7
–
3.9
7.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.9
–
–
–
–
–
–
–
–
7.1
4.6
3.6
4.1
5.2
9.8
–
3.6
4.1
–
5.3
5.7
4.3
5.5
6.1
8.9
–
4.4
5.5
–
–
0.0
0.0
0.0
0.0
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.9
4.7
1.7
4.7
2.6
4.9
2.4
4.9
0.2
0.0
–
–
Union .......................................................................
Nonunion .................................................................
4.0
1.3
4.2
–
4.4
2.3
4.7
–
1.6
0.0
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
6.3
4.0
2.6
3.2
3.7
6.3
4.0
2.3
3.1
–
9.5
5.6
3.6
4.1
5.5
9.5
5.6
3.2
4.2
–
–
0.0
0.0
0.4
0.0
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.5
7.8
3.2
3.7
10.3
–
4.8
–
4.3
5.0
9.6
–
1.2
–
0.0
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
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 ...
Health care and social assistance ...................
2.1
3.8
7.6
7.2
3.4
0.0
3.2
0.0
0.0
0.0
6.1
3.2
12.7
2.3
2.7
1.8
3.7
7.6
–
–
–
–
–
–
–
–
–
–
–
–
2.7
4.8
7.9
8.3
5.0
0.0
7.4
0.0
0.0
0.0
–
4.9
16.3
2.7
4.3
2.4
4.8
7.9
–
–
–
–
–
–
–
–
–
–
–
–
0.0
0.0
–
–
0.0
–
0.0
0.0
0.0
0.0
–
0.0
–
–
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 47. Standard errors for defined benefit plans: Plan sponsor, private industry workers,
2015—continued
Traditional defined benefit
plans2
All defined benefit plans
Characteristics
Single
employer
sponsor
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Multi-employer
sponsor1
Single
employer
sponsor
Multi-employer
sponsor1
Nontraditional defined benefit
plans3
Single
employer
sponsor
Multi-employer
sponsor1
3.8
4.4
7.8
1.9
2.6
2.7
3.9
4.4
7.4
1.7
2.5
2.4
4.8
5.7
9.0
2.8
4.5
3.7
4.9
5.7
8.6
2.6
4.3
3.6
1.3
1.6
–
0.0
0.0
0.0
–
–
–
–
–
–
4.3
6.8
6.5
2.9
4.1
7.3
3.0
3.6
5.6
5.1
5.6
6.2
4.1
–
6.5
2.2
2.8
–
2.9
3.6
4.6
5.2
–
6.3
5.5
10.0
8.3
3.5
5.0
9.9
4.8
6.8
5.8
7.4
–
8.6
5.2
–
8.3
2.9
3.8
–
4.8
6.8
5.1
7.3
–
8.6
1.0
3.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
4
Plans established by a labor organization and provided to employees of two or more unrelated companies in accordance with a collective bargaining agreement.
See glossary for definition of traditional plans.
See glossary for definition of nontraditional plans.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 48. Defined benefit plans: Primary formula, private industry workers, 2015
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
Traditional
Percent of
terminal
earnings
Dollar times
years1
Percent
of career
earnings
Nontraditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
Worker characteristics
All workers ...............................................................
67
37
17
7
6
33
33
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
54
51
57
78
62
82
54
84
44
38
47
38
40
50
36
23
–
–
–
–
10
–
–
40
9
–
–
–
–
–
6
–
–
–
–
–
–
–
–
–
46
49
43
22
38
18
46
16
45
49
43
22
38
18
45
16
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
81
75
85
–
31
27
29
26
48
–
37
28
45
–
–
–
–
–
24
–
–
–
–
–
–
19
25
15
–
–
19
25
15
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
65
81
38
21
15
41
7
–
5
–
35
19
34
19
–
–
–
–
Union .......................................................................
Nonunion .................................................................
89
54
29
41
42
–
–
10
–
–
11
46
11
46
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
73
63
72
64
60
–
25
40
41
44
25
21
20
13
–
–
–
8
–
–
–
–
4
–
–
27
37
28
36
40
27
37
28
35
40
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
77
–
73
35
–
41
26
44
20
–
–
–
–
23
–
23
–
27
23
–
27
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
64
81
–
–
67
37
34
26
44
47
64
–
–
64
37
31
–
34
67
30
31
25
42
–
54
53
57
54
15
33
37
–
–
–
–
–
–
–
–
–
–
–
7
–
–
–
–
–
–
–
–
–
–
–
25
–
5
–
–
–
–
–
–
–
–
–
–
–
–
–
36
19
–
–
33
63
66
74
56
53
36
–
–
36
36
19
–
–
33
62
65
72
55
53
36
–
–
36
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 48. Defined benefit plans: Primary formula, private industry workers, 2015—continued
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
Traditional
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
terminal
earnings
Dollar times
years1
Percent
of career
earnings
Nontraditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
80
74
–
62
63
62
47
43
52
33
34
32
21
16
28
16
15
17
–
–
–
7
–
–
–
–
–
7
–
–
20
26
–
38
37
38
20
25
–
38
37
38
–
–
–
–
–
–
–
–
–
–
–
–
67
–
66
71
70
86
62
60
53
76
71
61
73
33
34
32
47
44
65
42
24
18
37
40
25
43
20
–
21
14
16
–
5
16
–
26
22
–
24
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
13
–
–
–
–
33
–
34
29
30
14
38
40
47
24
29
39
27
33
–
34
29
30
12
38
40
47
24
29
39
27
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Benefits are based on a dollar amount per month for each year of service recognized by the plan.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 48. Standard errors for defined benefit plans: Primary formula, private industry workers, 2015
Traditional plan formula
Characteristics
Traditional
Percent of
terminal
earnings
Dollar times
years1
Percent
of career
earnings
Nontraditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
Worker characteristics
All workers ...............................................................
2.7
2.7
1.6
1.4
1.1
2.7
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 ....................
4.9
7.4
5.3
5.6
3.3
5.2
3.3
4.0
4.7
6.0
5.5
7.3
4.0
10.3
3.5
4.5
–
–
–
–
2.8
–
–
6.0
2.5
–
–
–
–
–
1.3
–
–
–
–
–
–
–
–
–
4.9
7.4
5.3
5.6
3.3
5.2
3.3
4.0
4.9
7.4
5.3
5.6
3.3
5.2
3.3
3.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.6
4.8
3.9
–
5.0
3.2
4.7
5.0
10.4
–
4.9
5.2
7.6
–
–
–
–
–
6.0
–
–
–
–
–
–
3.6
4.8
3.9
–
–
3.6
4.8
3.9
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.9
4.1
2.9
3.7
1.5
7.1
1.5
–
1.1
–
2.9
4.1
2.9
4.1
–
–
–
–
Union .......................................................................
Nonunion .................................................................
1.8
3.5
3.9
3.7
4.0
–
–
2.3
–
–
1.8
3.5
1.8
3.5
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
6.5
4.4
2.5
4.7
6.5
–
2.7
3.6
4.2
6.7
5.9
4.5
2.4
2.5
–
–
–
2.0
–
–
–
–
1.2
–
–
6.5
4.4
2.5
4.7
6.5
6.5
4.4
2.5
4.7
6.5
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.7
–
4.0
4.0
–
5.4
3.6
10.9
3.9
–
–
–
–
6.1
–
2.7
–
4.0
2.6
–
4.0
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.4
2.6
–
–
8.4
5.5
4.1
4.5
6.4
13.0
6.5
–
–
7.2
3.2
3.3
–
7.4
8.4
3.6
4.1
4.6
6.7
–
6.5
14.3
5.3
7.2
1.7
4.4
9.4
–
–
–
–
–
–
–
–
–
–
–
1.6
–
–
–
–
–
–
–
–
–
–
–
4.5
–
1.3
–
–
–
–
–
–
–
–
–
–
–
–
–
3.4
2.6
–
–
8.4
5.5
4.1
4.5
6.4
13.0
6.5
–
–
7.2
3.4
2.6
–
–
8.4
5.5
4.2
5.3
6.1
13.0
6.5
–
–
7.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 48. Standard errors for defined benefit plans: Primary formula, private industry workers, 2015—continued
Traditional plan formula
Characteristics
Traditional
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
terminal
earnings
Dollar times
years1
Percent
of career
earnings
Nontraditional plan formula
Percent of
employer
contribution
Nontraditional
Cash
balance
Pension
equity
Other
4.0
4.7
–
3.2
5.2
3.9
4.9
4.7
10.0
2.9
5.5
3.4
2.9
3.6
7.0
1.8
2.6
2.6
–
–
–
1.6
–
–
–
–
–
1.4
–
–
4.0
4.7
–
3.2
5.2
3.9
4.0
4.7
–
3.2
5.2
3.9
–
–
–
–
–
–
–
–
–
–
–
–
4.8
–
5.1
4.3
5.7
3.7
10.8
5.4
6.5
5.0
6.6
8.3
7.6
3.7
7.7
4.1
5.0
6.2
13.8
6.7
4.4
5.1
5.5
7.3
7.4
8.5
2.8
–
3.5
2.7
3.1
–
1.0
2.4
–
7.3
5.2
–
5.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.4
–
–
–
–
4.8
–
5.1
4.3
5.7
3.7
10.8
5.4
6.5
5.0
6.6
8.3
7.6
4.8
–
5.1
4.3
5.7
2.5
10.8
5.4
6.5
5.0
6.6
8.3
7.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Benefits are based on a dollar amount per month for each year of service recognized by the plan.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 49. Traditional defined benefit plans: Normal retirement age and service
requirements,1 private industry workers, 2015
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
With age and
service
requirement
With age only
requirement
With service
only
requirement
With age plus
service
requirement
Worker characteristics
All workers ...............................................................
76
19
–
–
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 ....................
68
65
70
89
74
77
72
77
31
–
28
–
21
–
23
10
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
86
65
79
77
81
–
–
13
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
74
84
20
–
–
–
–
–
Union .......................................................................
Nonunion .................................................................
82
70
10
28
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
74
77
80
72
75
–
15
16
23
25
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
72
77
71
24
–
27
–
–
–
–
–
–
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
77
82
89
78
81
96
55
73
69
67
71
75
78
47
75
17
–
–
–
–
–
–
27
31
–
29
–
–
53
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 49. Traditional defined benefit plans: Normal retirement age and service
requirements,1 private industry workers, 2015—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
With age and
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 ............................................
With age only
requirement
With service
only
requirement
With age plus
service
requirement
72
62
85
77
80
75
23
–
–
17
–
20
–
–
–
–
–
–
–
–
–
–
–
–
76
75
77
71
75
80
83
80
89
74
76
16
–
–
24
–
–
16
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are
satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. In some plans, participants must
satisfy a minimum service requirement to be vested in the plan. Typical vesting requirements are 3 or 5 years of services. These
requirements are not included in the service requirements for normal retirement.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 49. Standard errors for traditional defined benefit plans: Normal retirement age
and service requirements,1 private industry workers, 2015
Characteristics
With age and
service
requirement
With age only
requirement
With service
only
requirement
With age plus
service
requirement
Worker characteristics
All workers ...............................................................
3.2
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
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
6.4
11.6
6.9
4.6
4.5
7.7
5.3
4.4
6.4
–
6.8
–
4.1
–
4.8
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.7
6.9
5.3
6.9
7.4
–
–
3.4
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.5
5.6
3.3
–
–
–
–
–
Union .......................................................................
Nonunion .................................................................
3.5
4.8
2.4
4.6
–
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8.4
5.7
3.5
4.8
7.2
–
3.9
3.2
4.7
7.2
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.6
8.3
6.5
5.5
–
6.7
–
–
–
–
–
–
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.9
5.2
11.1
6.4
8.8
3.9
12.5
6.4
6.7
10.4
8.7
7.1
7.1
5.4
8.2
3.5
–
–
–
–
–
–
6.4
6.7
–
8.7
–
–
5.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 49. Standard errors for traditional defined benefit plans: Normal retirement age
and service requirements,1 private industry workers, 2015—continued
Characteristics
With age and
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 ............................................
With age only
requirement
With service
only
requirement
With age plus
service
requirement
6.2
9.3
6.1
3.4
5.6
4.5
6.2
–
–
2.9
–
4.1
–
–
–
–
–
–
–
–
–
–
–
–
5.0
9.0
5.9
6.7
6.9
11.9
4.5
6.2
4.9
8.0
8.3
4.0
–
–
6.5
–
–
4.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are
satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. In some plans, participants must
satisfy a minimum service requirement to be vested in the plan. Typical vesting requirements are 3 or 5 years of services. These
requirements are not included in the service requirements for normal retirement.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 50. Traditional defined benefit plans: Selected normal retirement age
requirements,1 private industry workers, 2015
(All workers participating in traditional defined benefit plans = 100 percent)
Age less than 65
Characteristics
Less than 10
years of
service2
Age 65
10 years or
more of
service
Less than 10
years of
service2
10 years or
more of
service
Worker characteristics
All workers ...............................................................
15
25
57
–
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 ....................
–
18
–
–
8
–
11
26
22
23
21
–
13
–
19
38
68
60
73
54
76
87
68
34
–
–
–
–
–
–
–
–
40
–
19
–
–
35
44
32
38
28
24
49
43
54
35
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
16
–
27
–
55
70
–
–
Union .......................................................................
Nonunion .................................................................
22
9
30
20
43
70
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
13
18
21
–
13
28
28
–
68
61
57
53
58
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
17
41
–
31
30
32
51
28
60
–
–
–
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
15
18
–
–
–
–
–
–
–
–
–
–
–
–
–
23
23
–
–
–
47
44
–
–
–
–
–
–
–
–
59
50
–
84
33
45
53
67
67
–
56
71
53
64
74
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 50. Traditional defined benefit plans: Selected normal retirement age
requirements,1 private industry workers, 2015—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Normal retirement age requirements
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
60
62
65
65
65
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 ....................
60
60
60
60
62
65
60
60
62
60
62
62
65
65
62
62
65
65
65
65
65
65
65
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
58
60
60
62
60
60
62
62
62
62
62
65
62
65
62
65
65
65
65
65
65
65
65
65
65
Full time ...................................................................
Part time ..................................................................
60
60
62
65
65
65
65
65
65
65
Union .......................................................................
Nonunion .................................................................
60
60
62
62
62
65
65
65
65
65
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
62
60
60
60
60
65
62
62
62
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
60
58
60
62
62
62
65
62
65
65
65
65
65
65
65
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
60
60
60
65
60
55
55
62
62
62
62
60
60
60
62
62
62
62
65
60
55
65
62
62
65
62
65
60
62
65
65
65
65
65
62
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
Establishment characteristics
See footnotes at end of table.
Table 50. Traditional defined benefit plans: Selected normal retirement age
requirements,1 private industry workers, 2015—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Age less than 65
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 ............................................
Less than 10
years of
service2
Age 65
10 years or
more of
service
Less than 10
years of
service2
10 years or
more of
service
17
–
–
14
11
17
19
21
–
28
32
25
61
62
60
55
57
54
–
–
–
–
–
–
–
–
–
16
14
–
–
–
–
–
21
–
20
29
–
32
23
–
–
–
30
29
31
20
–
21
58
59
58
61
62
56
59
56
57
54
49
–
53
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 50. Traditional defined benefit plans: Selected normal retirement age
requirements,1 private industry workers, 2015—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Normal retirement age requirements
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
60
60
60
60
60
60
62
62
62
62
62
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
60
60
60
60
60
62
60
60
60
–
60
62
60
62
62
62
62
62
62
62
62
62
60
62
62
62
65
65
65
65
65
65
65
65
65
65
65
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements
are satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty.
2 Includes workers in plans with no minimum service requirements.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 50. Standard errors for traditional defined benefit plans: Selected normal
retirement age requirements,1 private industry workers, 2015
Age less than 65
Characteristics
Less than 10
years of
service2
Age 65
10 years or
more of
service
Less than 10
years of
service2
10 years or
more of
service
Worker characteristics
All workers ...............................................................
2.1
2.9
3.0
–
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 ....................
–
4.9
–
–
2.2
–
3.0
5.9
4.8
6.7
5.3
–
3.0
–
4.2
6.5
5.3
6.1
6.2
9.0
4.4
6.3
5.0
4.9
–
–
–
–
–
–
–
–
9.3
–
3.6
–
–
9.3
8.4
4.6
5.6
5.8
5.2
8.2
5.1
6.9
6.0
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.3
–
3.4
–
3.6
7.7
–
–
Union .......................................................................
Nonunion .................................................................
3.8
2.0
3.2
4.4
4.1
4.6
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
3.2
3.5
4.8
–
3.7
3.7
4.0
–
11.6
5.8
4.7
5.5
7.5
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.2
10.0
–
3.6
8.9
4.5
4.3
6.4
5.8
–
–
–
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.5
3.5
–
–
–
–
–
–
–
–
–
–
–
–
–
3.9
5.1
–
–
–
10.0
11.5
–
–
–
–
–
–
–
–
4.0
6.3
–
6.0
7.8
8.5
11.6
5.7
5.5
–
7.3
8.3
15.4
5.4
8.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 50. Standard errors for traditional defined benefit plans: Selected normal
retirement age requirements,1 private industry workers, 2015—continued
Normal retirement age requirements
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
0.0
0.0
0.0
0.0
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 ....................
0.0
1.1
0.7
2.9
0.4
0.5
2.6
2.7
1.3
2.9
3.4
0.0
0.0
0.0
2.0
2.1
0.0
0.0
0.0
1.7
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
2.0
0.0
0.0
1.0
0.0
2.7
1.2
0.0
0.0
2.1
0.0
0.0
2.4
1.7
0.0
4.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Full time ...................................................................
Part time ..................................................................
0.0
2.8
0.0
4.1
0.0
0.0
0.0
0.0
0.0
0.0
Union .......................................................................
Nonunion .................................................................
0.0
1.5
0.0
2.1
2.3
0.0
0.0
0.0
0.0
0.0
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
2.2
0.4
0.0
0.0
1.3
0.0
0.0
0.6
2.8
0.0
0.0
0.0
0.8
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
2.0
0.9
0.0
1.0
0.0
2.0
0.0
0.0
0.0
1.4
0.0
0.0
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.0
3.8
1.9
3.6
6.8
0.0
0.0
0.0
0.0
2.4
0.0
1.7
0.0
0.0
1.7
0.0
1.4
0.0
0.0
1.0
1.6
7.7
0.0
0.0
0.0
0.0
4.3
1.0
0.6
1.8
0.0
1.1
3.8
0.0
0.0
2.9
0.0
0.0
0.0
0.0
1.3
0.0
4.4
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
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Establishment characteristics
See footnotes at end of table.
Table 50. Standard errors for traditional defined benefit plans: Selected normal
retirement age requirements,1 private industry workers, 2015—continued
Age less than 65
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 ............................................
Less than 10
years of
service2
Age 65
10 years or
more of
service
Less than 10
years of
service2
10 years or
more of
service
4.0
–
–
2.4
3.1
3.3
4.2
5.8
–
4.0
6.6
5.0
5.6
8.0
8.8
3.8
7.0
4.4
–
–
–
–
–
–
–
–
–
3.2
4.0
–
–
–
–
–
5.8
–
4.8
5.2
–
5.3
6.8
–
–
–
3.6
4.4
6.5
3.7
–
4.3
5.3
11.8
6.0
6.0
8.1
14.2
4.4
5.6
5.9
11.6
6.3
–
7.2
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 50. Standard errors for traditional defined benefit plans: Selected normal
retirement age requirements,1 private industry workers, 2015—continued
Normal retirement age requirements
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
0.7
2.5
1.3
0.0
0.4
0.0
0.0
1.0
0.0
0.0
0.0
0.0
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
0.0
0.0
0.0
0.4
2.0
0.0
1.2
1.4
–
0.0
9.9
0.5
0.0
1.4
0.0
0.0
1.5
0.0
1.3
0.0
0.0
2.8
0.0
0.0
0.0
0.0
1.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.5
0.8
3.4
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
0.0
0.0
0.0
0.0
0.0
0.0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements
are satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty.
2 Includes workers in plans with no minimum service requirements.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 51. Traditional defined benefit plans: Normal retirement1 service requirements, private
industry workers, 2015
(Includes all workers in traditional defined benefit plans with a service requirement)
Normal retirement service requirements
Characteristics
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
5
5
5
10
25
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
–
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
–
–
–
–
5
5
–
–
25
25
25
25
25
5
30
30
5
5
5
5
5
5
5
5
5
5
–
–
5
–
5
10
30
–
–
–
–
30
25
25
30
Full time ...................................................................
Part time ..................................................................
5
5
5
5
5
5
–
5
25
–
Union .......................................................................
Nonunion .................................................................
5
5
5
5
5
5
–
–
30
25
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
5
–
–
–
–
20
25
30
25
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5
5
5
5
5
5
5
5
–
10
10
–
25
–
25
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
5
5
–
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
5
5
–
–
5
5
5
5
5
5
25
5
–
–
25
5
–
30
30
5
5
–
5
–
5
25
–
25
30
30
5
30
35
30
25
20
25
–
25
25
30
25
Establishment characteristics
See footnotes at end of table.
Table 51. Traditional defined benefit plans: Normal retirement1 service requirements, private
industry workers, 2015—continued
(Includes all workers in traditional defined benefit plans with a service requirement)
Normal retirement service requirements
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 ............................................
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
5
–
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
–
–
–
–
–
25
25
–
25
25
25
5
5
5
5
5
5
5
5
5
5
–
5
–
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
20
–
20
–
–
–
–
–
10
–
–
–
–
30
30
30
25
–
–
–
25
20
30
25
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are satisfied
and the participant may retire and receive all accrued benefits without a reduction or penalty.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 51. Standard errors for traditional defined benefit plans: Normal retirement1 service
requirements, private industry workers, 2015
Normal retirement service requirements
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
0.0
0.0
0.0
2.7
1.5
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 ....................
0.0
–
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
0.0
–
–
–
–
–
0.0
0.0
–
–
2.3
2.2
4.5
5.2
3.2
0.0
6.9
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
4.3
–
–
–
–
0.0
3.6
1.3
4.8
Full time ...................................................................
Part time ..................................................................
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
2.8
–
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
0.0
0.0
0.0
–
–
6.1
0.0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
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
–
–
–
–
1.6
1.6
4.2
7.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
1.3
–
5.5
–
5.8
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.0
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
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
4.1
0.0
–
0.8
4.8
0.3
0.4
–
0.0
–
0.0
0.0
–
2.9
0.0
0.0
0.0
2.7
2.6
0.0
5.6
5.1
4.0
–
5.2
0.0
3.4
5.8
Establishment characteristics
See footnotes at end of table.
Table 51. Standard errors for traditional defined benefit plans: Normal retirement1 service
requirements, private industry workers, 2015—continued
Normal retirement service requirements
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
0.0
–
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
–
–
–
–
–
–
1.3
4.7
–
3.1
6.6
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
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
0.0
0.0
0.0
0.0
2.0
–
0.0
–
–
–
–
–
2.7
–
–
–
–
2.7
2.4
6.2
4.2
–
–
–
5.4
2.6
7.1
6.2
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are satisfied
and the participant may retire and receive all accrued benefits without a reduction or penalty.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 52. Traditional defined benefit plans: Availability of early retirement with selected
requirements,1 private industry workers, 2015
(All workers participating in traditional defined benefit plans = 100 percent)
Early retirement age requirements
Characteristics
Early
retirement
available
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
96
50
55
55
55
55
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 ....................
97
99
95
91
99
100
98
98
55
55
55
55
55
55
50
50
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
99
95
94
100
90
55
50
50
55
50
55
55
50
55
50
55
55
55
55
50
55
55
55
55
55
60
55
55
62
55
Full time ...................................................................
Part time ..................................................................
96
100
50
50
55
50
55
55
55
55
55
55
Union .......................................................................
Nonunion .................................................................
97
95
50
55
55
55
55
55
55
55
55
55
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
85
99
97
96
98
50
50
50
50
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
55
55
55
55
55
55
55
55
55
55
55
55
60
60
62
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
95
94
100
100
88
95
100
100
100
100
100
88
96
90
86
50
50
50
55
50
50
50
55
55
55
55
55
55
55
55
55
50
55
55
50
50
50
55
55
55
55
55
55
55
55
55
55
55
55
50
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
60
55
Establishment characteristics
See footnotes at end of table.
Table 52. Traditional defined benefit plans: Availability of early
retirement with selected requirements,1 private industry workers,
2015—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Age 55
Characteristics
Less than 10
years of
service2
10 years or
more of
service
Sum of age
plus service
Worker characteristics
All workers ...............................................................
32
42
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
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
39
37
41
53
35
24
42
22
44
49
42
32
51
68
40
49
2
–
–
–
–
–
–
–
–
29
18
26
–
55
39
34
52
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
31
35
43
36
2
–
Union .......................................................................
Nonunion .................................................................
31
32
37
48
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
31
40
33
28
31
43
33
42
46
52
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
21
–
25
56
54
56
–
–
–
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
36
18
–
30
–
–
44
65
73
62
82
46
61
39
44
37
35
42
61
–
27
–
–
19
30
–
–
–
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 52. Traditional defined benefit plans: Availability of early retirement with selected
requirements,1 private industry workers, 2015—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Early retirement age requirements
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 ............................................
Early
retirement
available
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
100
99
100
94
93
95
–
50
–
50
50
50
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
93
81
99
94
97
80
100
98
100
95
100
–
100
50
55
50
50
50
50
50
50
55
50
50
50
50
55
55
55
55
55
55
55
55
55
55
55
50
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
60
55
55
55
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 52. Traditional defined benefit plans: Availability of early
retirement with selected requirements,1 private industry workers,
2015—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Age 55
Characteristics
Less than 10
years of
service2
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10 years or
more of
service
Sum of age
plus service
25
26
–
35
29
40
53
52
55
37
47
31
–
–
–
2
–
–
52
–
61
25
24
–
41
26
30
–
31
–
28
24
39
18
46
44
–
41
51
58
39
45
–
51
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a
reduction for the number of years by which their retirement age precedes their normal retirement age.
2 Includes workers in plans with no minimum service requirements.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 52. Standard errors for traditional defined benefit plans: Availability of early retirement
with selected requirements,1 private industry workers, 2015
Early retirement age requirements
Characteristics
Early
retirement
available
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
1.7
0.0
0.0
0.0
0.0
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 ....................
2.0
0.5
3.0
7.6
0.6
0.0
1.0
1.9
0.0
0.0
6.3
2.9
6.1
4.9
6.9
2.6
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
0.0
0.0
0.0
0.0
0.0
2.9
0.0
0.0
0.0
0.0
0.0
0.8
1.0
3.5
2.4
0.0
4.0
3.5
0.0
0.0
0.0
0.0
0.0
6.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.0
0.0
0.0
2.2
0.0
4.0
0.0
4.5
0.6
0.0
Full time ...................................................................
Part time ..................................................................
2.0
0.0
0.4
0.0
0.0
2.7
0.0
0.0
0.0
0.0
0.0
0.0
Union .......................................................................
Nonunion .................................................................
1.6
3.1
0.0
0.9
4.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
13.1
1.0
1.6
1.5
0.9
5.1
0.0
1.6
1.3
3.5
0.0
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
1.6
0.0
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
0.0
3.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.1
0.0
2.0
0.0
2.6
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.4
2.9
0.0
0.0
5.8
5.0
0.0
0.0
0.0
0.0
0.0
7.8
1.3
1.0
9.0
0.0
0.0
0.0
4.5
0.0
4.1
0.0
0.0
0.0
0.0
0.0
2.0
2.6
0.0
2.7
1.6
0.0
6.7
0.0
0.0
0.0
4.0
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
6.8
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.8
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
2.3
0.0
0.0
0.0
2.2
0.0
0.0
0.0
7.6
0.0
Establishment characteristics
See footnotes at end of table.
Table 52. Standard errors for traditional defined benefit plans:
Availability of early retirement with selected requirements,1 private
industry workers, 2015—continued
Age 55
Characteristics
Less than 10
years of
service2
10 years or
more of
service
Sum of age
plus service
Worker characteristics
All workers ...............................................................
3.2
3.3
0.5
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 ....................
5.3
5.7
7.0
9.9
4.8
7.1
5.2
5.3
6.3
7.1
7.9
7.8
6.1
9.2
6.1
9.1
0.6
–
–
–
–
–
–
–
–
8.0
4.8
7.6
–
13.6
6.2
6.9
11.7
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.2
7.3
3.7
5.5
0.6
–
Union .......................................................................
Nonunion .................................................................
5.0
4.1
4.9
5.3
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.3
6.9
4.5
3.7
6.1
9.8
3.7
5.6
4.9
8.1
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.6
–
7.3
6.0
15.3
8.5
–
–
–
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
4.0
4.8
–
7.5
–
–
10.3
9.0
5.7
9.5
6.0
9.6
11.2
5.3
10.6
4.0
4.1
12.5
8.5
–
8.1
–
–
4.7
7.7
–
–
–
–
–
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 52. Standard errors for traditional defined benefit plans: Availability of early retirement
with selected requirements,1 private industry workers, 2015—continued
Early retirement age requirements
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 ............................................
Early
retirement
available
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
0.4
0.6
0.0
2.5
5.3
2.4
–
7.2
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.0
4.6
5.0
0.0
0.0
0.0
3.7
11.6
0.6
4.1
2.7
16.8
0.0
1.8
0.0
4.5
0.0
–
0.0
5.8
0.0
2.0
0.0
0.0
7.1
7.6
2.0
0.0
0.0
0.0
0.0
1.9
0.0
0.0
0.0
0.9
5.2
6.1
0.0
0.0
0.0
5.6
1.7
7.1
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
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.8
0.0
0.0
0.0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 52. Standard errors for traditional defined benefit plans:
Availability of early retirement with selected requirements,1 private
industry workers, 2015—continued
Age 55
Characteristics
Less than 10
years of
service2
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10 years or
more of
service
Sum of age
plus service
4.5
6.4
–
4.8
5.6
6.4
5.2
6.7
10.2
4.3
6.9
5.1
–
–
–
0.4
–
–
7.7
–
8.4
4.4
6.2
–
8.1
6.9
8.6
–
6.8
–
6.5
5.1
10.7
3.3
5.9
7.4
–
11.2
7.4
9.8
9.0
6.4
–
6.6
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a
reduction for the number of years by which their retirement age precedes their normal retirement age.
2 Includes workers in plans with no minimum service requirements.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 53. Traditional defined benefit plans: Early retirement service requirements,1 private
industry workers, 2015
(Includes all workers in traditional defined benefit plans with early retirement coverage and a service requirement)
Early retirement service requirements
Characteristics
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
5
5
10
10
15
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
5
5
5
5
5
5
5
5
5
5
5
5
–
5
–
10
10
–
–
10
10
10
10
15
–
15
10
10
10
–
10
15
15
15
15
15
10
20
–
5
5
5
5
5
–
–
5
–
5
10
10
10
10
–
10
–
10
–
10
–
25
–
30
–
Full time ...................................................................
Part time ..................................................................
5
5
5
5
10
10
–
10
15
10
Union .......................................................................
Nonunion .................................................................
5
5
5
5
10
10
10
10
20
15
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5
5
5
5
5
5
5
5
5
5
10
–
10
10
10
10
10
–
–
–
–
15
–
15
15
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5
5
5
5
–
–
10
10
10
–
10
15
–
10
–
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5
5
5
5
5
10
–
5
5
5
5
5
–
3
5
5
5
–
–
5
10
5
5
5
5
5
5
5
3
5
10
10
10
10
–
10
–
5
5
5
5
–
5
5
–
10
10
10
10
10
–
–
10
–
10
5
15
–
10
15
15
10
10
10
–
–
25
15
–
10
–
15
–
15
15
Establishment characteristics
See footnotes at end of table.
Table 53. Traditional defined benefit plans: Early retirement service requirements,1 private
industry workers, 2015—continued
(Includes all workers in traditional defined benefit plans with early retirement coverage and a service requirement)
Early retirement service requirements
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 ............................................
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
5
5
5
5
5
5
5
5
5
5
5
5
10
10
10
10
10
–
10
10
10
–
–
–
15
15
–
–
15
–
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
10
5
5
–
5
5
5
5
5
–
5
10
10
10
–
10
10
10
–
5
10
10
–
10
–
15
10
10
10
10
10
–
–
–
15
15
–
–
15
–
–
–
15
–
15
–
15
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a reduction for the number of years by
which their retirement age precedes their normal retirement age.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 53. Standard errors for traditional defined benefit plans: Early retirement service
requirements,1 private industry workers, 2015
Early retirement service requirements
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
0.0
0.0
0.0
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 ....................
0.0
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
–
2.6
1.5
–
–
0.0
0.0
2.6
0.0
3.5
–
1.3
1.8
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
3.3
0.0
4.5
–
0.0
0.0
0.0
0.0
0.0
–
–
0.0
–
0.0
0.0
0.0
1.3
0.0
–
0.0
–
0.5
–
0.0
–
0.9
–
3.2
–
Full time ...................................................................
Part time ..................................................................
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
2.2
2.3
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
0.0
1.3
0.0
0.9
2.5
5.5
0.0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.9
0.0
0.0
0.0
0.0
–
–
–
–
0.0
–
0.0
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
0.0
–
–
0.0
1.3
0.0
–
0.0
2.9
–
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 ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
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
0.0
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
–
0.0
–
0.0
0.0
0.4
0.0
–
0.0
0.0
–
0.5
0.0
0.0
0.0
0.0
–
–
1.0
–
1.5
0.9
0.0
–
0.0
0.0
0.0
0.9
0.0
0.0
–
–
0.0
3.5
–
0.0
–
0.0
–
0.0
0.0
Establishment characteristics
See footnotes at end of table.
Table 53. Standard errors for traditional defined benefit plans: Early retirement service
requirements,1 private industry workers, 2015—continued
Early retirement service requirements
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
0.0
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
0.9
0.0
–
0.0
2.6
0.0
–
–
–
2.0
0.0
–
–
4.1
–
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
2.8
0.0
1.3
–
1.3
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
–
0.0
0.9
0.0
–
2.0
–
3.8
0.0
0.0
0.0
1.7
2.0
–
–
–
3.5
1.8
–
–
3.4
–
–
–
4.5
–
0.0
–
0.0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a reduction for the number of years by
which their retirement age precedes their normal retirement age.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 54. Defined contribution plans: Type of plan,1 private industry workers, 2015
(All workers participating in defined contribution plans = 100 percent)
Characteristics
Savings and
thrift
Deferred
profit
sharing
Money
purchase
pension
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
Worker characteristics
All workers ...............................................................
74
19
16
4
–
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
73
77
70
79
92
79
80
78
59
71
75
76
72
19
20
19
13
–
18
15
20
18
15
20
18
22
20
17
22
13
–
11
8
13
19
13
15
16
–
4
–
4
–
–
6
9
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
74
75
19
13
16
11
4
11
–
–
3
–
–
–
Union .......................................................................
Nonunion .................................................................
67
75
–
19
27
15
–
4
–
–
–
3
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
78
80
80
70
73
79
18
17
18
18
20
16
7
–
9
19
21
19
7
–
3
3
5
–
–
–
–
–
–
–
–
–
–
6
1
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
70
75
21
20
18
17
6
–
–
–
3
–
–
–
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 ...
Health care and social assistance ...................
76
81
84
79
80
90
83
86
88
88
91
73
72
65
41
37
70
18
18
20
18
–
–
19
18
18
23
12
20
18
–
–
–
–
15
8
–
–
–
–
–
16
17
13
17
–
–
30
57
82
24
4
5
–
–
–
–
–
7
7
11
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 54. Defined contribution plans: Type of plan,1 private industry workers, 2015—continued
(All workers participating in defined contribution plans = 100 percent)
Characteristics
Savings and
thrift
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Deferred
profit
sharing
Money
purchase
pension
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
66
64
71
81
81
80
21
22
19
17
18
15
14
12
19
17
11
25
4
5
–
4
5
3
–
–
–
–
–
–
7
9
–
–
–
–
–
–
–
–
–
–
65
74
61
82
82
84
80
72
73
70
74
79
72
22
–
20
14
17
–
14
19
–
–
21
–
18
26
20
29
12
16
–
8
14
16
11
14
9
17
–
–
–
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
–
3
–
2
–
–
–
–
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Sum of individual items may be greater than total because multiple plans are available to some employees.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 54. Standard errors for defined contribution plans: Type of plan, private industry workers, 2015
Characteristics
Savings and
thrift
Deferred
profit
sharing
Money
purchase
pension
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
Worker characteristics
All workers ...............................................................
1.9
1.7
1.3
0.7
–
0.5
–
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.6
3.1
3.2
4.0
4.8
2.0
2.9
2.3
4.0
4.6
3.0
3.0
5.4
2.6
3.1
3.4
3.5
–
2.1
2.0
2.9
3.0
2.7
2.6
2.7
4.6
2.2
2.5
2.7
2.2
–
1.2
2.0
1.4
2.9
2.8
2.7
3.2
–
1.1
–
1.1
–
–
1.0
2.4
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.6
–
–
–
–
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.0
3.2
1.9
2.4
1.4
2.2
0.7
2.7
–
–
0.6
–
–
–
Union .......................................................................
Nonunion .................................................................
3.3
1.9
–
1.7
3.8
1.3
–
0.7
–
–
–
0.6
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.1
6.7
2.6
2.7
2.5
2.4
2.7
4.6
2.9
1.7
2.3
2.6
1.7
–
1.1
1.9
2.0
2.3
2.0
–
0.6
0.7
1.4
–
–
–
–
–
–
–
–
–
–
1.4
0.4
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
3.2
3.2
3.0
3.8
2.7
3.2
1.8
–
–
–
0.7
–
–
–
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 ...
Health care and social assistance ...................
2.3
2.6
3.3
2.4
7.3
4.8
6.3
2.1
1.8
2.1
2.2
5.2
5.0
6.3
6.8
4.0
7.7
2.1
1.9
3.5
2.5
–
–
5.0
2.2
2.7
3.2
3.2
4.7
4.7
–
–
–
–
1.5
1.7
–
–
–
–
–
2.2
2.3
3.0
4.1
–
–
3.6
5.3
4.0
4.3
0.7
0.9
–
–
–
–
–
1.4
1.4
2.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 54. Standard errors for defined contribution plans: Type of plan, private industry workers,
2015—continued
Characteristics
Savings and
thrift
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Deferred
profit
sharing
Money
purchase
pension
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
2.9
3.3
5.4
1.6
2.4
2.3
2.5
2.8
3.7
1.8
2.6
2.3
2.1
1.9
5.2
1.4
1.7
2.9
1.0
1.4
–
1.0
1.5
1.0
–
–
–
–
–
–
1.2
1.7
–
–
–
–
–
–
–
–
–
–
4.7
6.9
5.6
1.4
1.9
0.8
2.9
4.9
5.7
9.0
4.5
7.2
5.8
3.5
–
3.9
1.5
1.7
–
3.5
4.8
–
–
4.2
–
3.8
4.5
3.9
6.1
1.6
2.8
–
1.4
1.7
2.0
3.1
3.1
2.6
4.6
–
–
–
1.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.7
–
0.9
–
0.6
–
–
–
–
1.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 55. Deferred profit-sharing plans: Employee contributions allowed and annuity availability, private industry
workers, 2015
(All workers participating in deferred profit sharing plans = 100 percent)
Employee contributions allowed
Characteristics
Yes
Annuity available
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
20
80
(1)
21
68
11
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
Production, transportation, and material moving .....
Production ............................................................
–
21
–
19
–
20
–
28
–
83
79
86
80
82
80
75
72
78
–
(1)
–
(1)
–
(1)
–
–
–
29
–
33
11
–
14
–
20
–
61
62
60
83
90
80
–
65
64
10
–
6
6
–
6
–
16
–
Full time ...................................................................
Part time ..................................................................
19
27
81
73
(1)
–
22
–
67
88
11
–
Nonunion .................................................................
21
79
(1)
21
67
12
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
19
17
22
20
–
81
83
78
80
80
–
(1)
–
(1)
–
–
14
18
29
29
78
74
72
60
63
–
11
9
11
8
Goods-producing industries .....................................
24
76
–
43
45
12
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
18
20
18
–
82
80
81
81
(1)
–
1
–
14
–
20
22
76
87
66
65
11
–
14
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 ............................................
20
22
–
19
27
–
80
77
87
81
73
93
(1)
(1)
–
–
–
–
22
19
31
19
–
–
67
69
61
70
75
61
11
12
8
11
–
–
–
–
23
17
–
–
–
–
–
76
79
77
83
63
81
90
86
83
–
–
–
–
–
–
–
–
–
16
16
24
32
–
–
–
–
58
74
72
62
49
83
81
82
58
–
10
11
14
19
–
–
–
–
–
Establishment characteristics
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 55. Standard errors for deferred profit-sharing plans: Employee contributions allowed and annuity
availability, private industry workers, 2015
Employee contributions allowed
Characteristics
Yes
Annuity available
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
3.7
3.7
0.1
3.7
3.7
1.9
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
Production, transportation, and material moving .....
Production ............................................................
–
5.8
–
4.4
–
5.3
–
5.6
–
5.1
5.8
6.9
4.4
6.2
5.3
7.9
5.6
7.3
–
0.2
–
0.2
–
0.1
–
–
–
6.7
–
9.6
2.3
–
3.3
–
4.9
–
6.0
6.7
9.0
2.8
3.7
4.1
–
5.2
7.9
2.7
–
3.1
1.5
–
2.0
–
5.4
–
Full time ...................................................................
Part time ..................................................................
3.6
7.7
3.7
7.7
0.1
–
3.9
–
3.9
4.5
2.1
–
Nonunion .................................................................
3.8
3.8
0.1
3.8
3.5
2.0
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.4
4.4
4.2
5.7
–
5.4
4.4
4.2
5.8
7.5
–
0.1
–
0.3
–
–
3.6
4.8
7.0
7.7
4.4
5.4
4.6
6.2
7.1
–
3.7
2.1
2.9
2.8
Goods-producing industries .....................................
5.6
5.6
–
8.1
7.6
4.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
4.5
5.6
4.9
–
4.5
5.6
5.6
6.3
0.2
–
1.3
–
3.0
–
4.4
5.1
3.5
3.5
5.2
6.4
2.2
–
3.7
4.1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.7
5.9
–
4.7
6.9
–
4.7
6.0
6.8
4.7
6.9
2.6
0.3
0.4
–
–
–
–
4.4
4.9
8.4
5.1
–
–
5.3
5.9
11.0
5.8
6.5
9.7
3.0
3.7
5.2
2.7
–
–
–
–
4.8
3.1
–
–
–
–
–
10.0
9.4
4.8
3.1
12.0
9.0
7.2
4.7
5.9
–
–
–
–
–
–
–
–
–
3.6
2.0
5.0
7.4
–
–
–
–
15.1
5.0
4.9
4.5
5.9
8.3
6.2
8.2
9.2
–
3.9
4.4
4.0
6.1
–
–
–
–
–
Establishment characteristics
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 56. Money purchase pension plans: Employee contributions allowed,
private industry workers, 2015
(All workers participating in money purchase pension plans = 100 percent)
Employee contributions allowed
Characteristics
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
25
72
3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
26
–
27
46
–
20
13
–
–
–
69
76
65
53
76
79
87
86
79
95
5
–
8
1
–
1
–
–
–
–
Full time ...................................................................
Part time ..................................................................
24
–
73
58
3
–
Union .......................................................................
Nonunion .................................................................
48
21
52
76
(1)
3
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
21
32
22
19
78
78
64
75
77
–
(1)
4
3
3
Goods-producing industries .....................................
–
92
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
30
26
–
–
33
52
56
66
74
84
89
63
36
41
3
–
–
–
4
12
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 ............................................
–
–
–
26
–
28
70
82
–
74
76
72
–
–
5
1
–
(1)
Establishment characteristics
See footnotes at end of table.
Table 56. Money purchase pension plans: Employee contributions allowed,
private industry workers, 2015—continued
(All workers participating in money purchase pension plans = 100 percent)
Employee contributions allowed
Characteristics
Yes
Not
determinable
No
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
40
27
44
8
–
–
29
25
–
–
–
56
68
53
92
91
92
68
75
49
77
80
4
5
3
–
–
–
3
–
–
–
–
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 56. Standard errors for money purchase pension plans: Employee
contributions allowed, private industry workers, 2015
Employee contributions allowed
Characteristics
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
4.4
4.3
1.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
5.7
–
5.5
8.3
–
5.6
3.7
–
–
–
5.8
7.6
6.0
8.1
7.8
5.6
3.7
7.0
7.8
2.6
2.1
–
3.1
1.3
–
0.5
–
–
–
–
Full time ...................................................................
Part time ..................................................................
4.3
–
4.3
12.8
1.1
–
Union .......................................................................
Nonunion .................................................................
7.6
4.7
7.5
4.7
0.2
1.2
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
5.8
6.9
4.0
3.6
11.0
5.8
6.8
4.2
3.9
–
0.3
1.8
1.5
1.7
Goods-producing industries .....................................
–
3.4
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
5.4
7.3
–
–
5.7
6.3
5.0
5.4
7.3
5.0
4.8
5.8
2.7
3.6
1.4
–
–
–
2.2
5.7
2.3
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
4.2
–
4.6
9.1
5.5
–
4.2
7.5
4.6
–
–
3.7
0.4
–
0.3
Establishment characteristics
See footnotes at end of table.
Table 56. Standard errors for money purchase pension plans: Employee
contributions allowed, private industry workers, 2015—continued
Employee contributions allowed
Characteristics
Yes
Not
determinable
No
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
10.0
7.6
12.1
2.4
–
–
6.3
6.7
–
–
–
9.6
8.8
11.5
2.4
3.3
2.6
6.6
6.7
14.7
8.9
10.7
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
2.3
5.4
2.2
–
–
–
2.0
–
–
–
–
Table 57. Savings and thrift plans: Summary of provisions,1 private industry workers, 2015
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Pretax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristics
All workers ...............................................................
100
50
38
87
81
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
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
100
54
57
53
46
68
50
41
55
36
39
44
44
43
43
43
43
25
–
33
25
37
36
41
45
45
44
87
90
85
84
84
89
87
91
81
78
85
82
90
81
80
81
–
82
83
–
86
76
74
81
78
85
Full time ...................................................................
Part time ..................................................................
100
100
50
49
39
28
87
87
81
81
Union .......................................................................
Nonunion .................................................................
100
100
44
50
28
39
90
87
80
81
Average wage within the following categories4:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
45
34
44
45
58
64
23
–
36
43
43
45
85
–
88
87
87
92
79
–
83
82
79
83
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
50
53
50
54
86
86
80
82
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 ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
49
37
32
37
36
85
63
68
72
70
70
64
67
–
43
30
–
35
32
40
24
38
40
46
47
50
40
63
38
24
31
–
–
33
87
85
90
84
80
92
91
91
91
91
91
93
89
81
92
96
–
81
81
83
79
78
89
80
85
87
87
85
89
83
–
90
92
–
Establishment characteristics
See footnotes at end of table.
Table 57. Savings and thrift plans: Summary of provisions,1 private industry workers,
2015—continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Pretax
contribution
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Post-tax
contribution2
Automatic
enrollment
provision3
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
100
100
100
100
100
100
47
47
47
51
45
59
33
32
36
41
35
49
84
83
86
89
88
90
–
–
77
84
83
86
100
100
100
100
100
100
100
100
100
100
100
100
100
48
26
57
54
54
50
55
39
38
42
55
49
59
37
–
42
35
38
29
33
41
45
32
42
42
42
88
82
91
89
92
92
82
84
86
79
87
84
89
78
–
84
82
88
–
–
82
84
78
–
80
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit could not be
determined.
2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 57. Standard errors for savings and thrift plans: Summary of provisions,1 private
industry workers, 2015
Characteristics
Pretax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristics
All workers ...............................................................
0.0
2.3
1.7
1.3
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.0
0.0
(4)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
(4)
3.6
4.2
4.1
6.5
11.0
2.9
5.5
2.8
4.3
4.8
3.3
4.2
6.6
2.9
3.5
3.4
5.7
–
2.1
3.2
2.8
3.7
4.5
4.5
7.0
5.2
2.2
1.6
3.2
4.4
8.5
1.3
3.1
1.9
4.6
5.3
3.2
4.8
2.6
2.2
2.4
3.2
–
8.9
2.4
–
2.2
4.5
5.1
3.1
5.0
2.4
Full time ...................................................................
Part time ..................................................................
(4)
0.0
2.4
5.0
1.7
3.3
1.4
3.1
1.6
3.4
Union .......................................................................
Nonunion .................................................................
0.0
0.0
6.4
2.5
5.5
1.8
2.8
1.4
3.6
1.5
Average wage within the following categories5:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
0.0
(4)
0.0
0.0
4.9
8.1
3.5
2.7
3.7
4.5
3.4
–
3.3
2.2
3.0
4.0
3.4
–
2.2
1.8
2.2
1.4
3.8
–
2.4
1.8
2.6
2.8
Goods-producing industries .....................................
Manufacturing ......................................................
(4)
0.0
3.2
3.4
4.7
5.3
2.6
3.5
3.0
3.8
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 ...
Health care and social assistance ...................
0.0
0.0
0.0
0.0
0.0
0.0
(4)
0.0
0.0
(4)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.8
3.6
5.3
4.9
8.6
5.9
5.9
3.1
3.5
5.4
5.5
7.7
9.4
–
7.9
5.9
–
1.6
2.1
3.9
3.0
7.5
9.3
7.5
3.2
3.3
5.1
4.0
5.4
5.0
4.6
–
–
5.2
1.5
1.9
3.6
2.5
8.3
4.8
3.5
1.4
1.4
2.3
2.6
2.6
4.3
6.2
4.8
4.0
–
1.6
1.7
4.4
2.8
8.3
4.3
5.1
1.6
1.6
2.5
3.3
3.9
6.1
–
5.0
4.8
–
Establishment characteristics
See footnotes at end of table.
Table 57. Standard errors for savings and thrift plans: Summary of provisions,1 private
industry workers, 2015—continued
Characteristics
Pretax
contribution
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Post-tax
contribution2
Automatic
enrollment
provision3
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)
3.6
4.3
6.9
2.3
3.2
3.4
2.9
3.3
5.7
2.4
2.7
3.7
2.5
2.2
6.7
1.4
1.8
2.2
–
–
6.8
1.5
2.0
2.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
(4)
0.0
0.0
0.0
9.0
4.1
12.1
2.6
2.5
11.8
4.6
2.6
2.9
5.3
6.2
12.6
6.1
5.0
–
6.6
2.1
3.2
4.5
3.0
3.8
4.7
4.5
3.4
5.2
4.4
1.9
3.8
2.1
1.9
1.5
2.8
5.6
2.2
2.7
2.9
4.1
9.3
2.7
2.9
–
2.6
2.4
1.0
–
–
2.4
3.1
2.8
–
8.9
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit could not be
determined.
2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 58. Savings and thrift plans: Maximum employee contributions, private industry workers, 2015
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit
Characteristics
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
Worker characteristics
All workers ...............................................................
60
25
50
50
75
80
39
–
–
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
58
62
55
54
78
66
77
60
58
63
61
53
73
25
25
25
25
50
40
40
–
25
25
25
25
–
50
35
50
50
–
50
50
50
50
40
50
–
50
50
50
60
75
75
50
50
50
–
50
50
50
50
75
75
75
75
75
75
–
75
75
75
75
75
75
85
80
85
80
75
80
80
90
–
85
75
75
80
42
38
45
46
–
34
23
40
41
35
39
47
27
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
59
71
25
30
50
50
50
50
75
75
80
80
41
29
–
–
–
–
Union .......................................................................
Nonunion .................................................................
67
60
25
25
50
50
50
50
75
75
75
80
32
40
–
–
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
63
60
62
54
63
69
25
25
–
25
25
25
50
–
50
50
50
50
50
50
50
50
50
50
75
–
75
75
75
75
80
75
80
80
–
85
37
40
38
46
36
31
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
57
60
25
25
50
40
50
50
75
65
75
75
43
40
–
–
–
–
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 ...
Health care and social assistance ...................
61
72
59
76
78
78
77
66
69
66
69
73
69
25
–
18
26
25
25
–
30
35
25
25
40
40
50
30
–
25
–
–
75
–
50
50
25
50
50
30
–
50
50
50
50
50
50
–
–
75
–
50
50
50
50
50
50
50
50
50
50
50
50
60
75
–
75
75
75
60
60
–
–
75
75
75
75
75
75
75
80
90
–
92
80
85
80
75
80
90
75
80
80
80
80
80
90
90
95
–
95
99
39
27
41
24
–
–
23
34
31
34
31
27
31
75
85
82
74
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 58. Savings and thrift plans: Maximum employee contributions, private industry workers, 2015—continued
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit
Characteristics
Percent of
earnings
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
52
48
60
65
67
63
25
25
–
25
30
25
50
50
50
50
50
50
50
50
50
50
50
50
75
75
75
75
75
75
85
85
80
80
80
85
48
52
40
34
32
37
–
–
–
–
–
–
–
–
–
–
–
–
53
57
52
66
67
66
64
58
58
59
59
58
60
25
30
25
25
25
–
–
–
–
25
25
25
25
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
–
75
–
75
75
50
75
75
75
75
75
75
75
80
80
80
80
80
75
85
80
80
80
90
80
90
46
43
47
34
33
34
36
42
42
41
41
42
40
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 58. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, 2015
Percent of earnings, up to Internal Revenue Code limit
Characteristics
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
Worker characteristics
All workers ...............................................................
1.9
0.0
0.0
0.0
0.0
1.5
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.0
3.6
3.9
6.2
9.7
2.6
3.1
3.3
5.3
5.4
2.9
4.2
5.0
0.0
0.0
0.9
0.9
7.1
9.9
11.8
–
0.0
0.0
2.0
7.4
–
2.0
9.1
0.0
0.0
–
0.0
0.0
0.0
10.5
11.7
0.0
–
0.0
0.0
0.0
10.5
8.7
0.0
0.0
0.0
0.0
–
3.2
0.0
4.5
0.0
0.0
4.0
3.2
0.9
0.0
0.0
–
0.0
0.0
0.0
6.2
6.3
14.6
6.9
3.2
6.4
0.0
0.0
3.0
4.0
8.6
–
8.5
6.3
0.0
10.9
3.0
3.5
3.9
6.2
–
2.6
3.1
3.4
5.2
5.2
2.9
4.2
5.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.9
4.4
0.0
7.1
0.0
0.0
0.0
0.0
0.0
7.5
2.7
0.0
1.9
4.4
–
–
–
–
Union .......................................................................
Nonunion .................................................................
5.9
2.0
3.5
0.0
0.0
0.0
10.9
0.0
0.0
0.0
0.0
2.2
5.9
2.0
–
–
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.2
10.7
2.9
2.4
3.0
4.0
4.8
3.2
–
1.2
0.0
0.0
0.0
–
0.0
0.0
1.8
3.2
0.0
0.0
6.3
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
9.5
0.0
–
5.9
4.2
10.7
2.9
2.4
3.0
4.0
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
3.2
3.5
0.0
0.0
10.5
10.2
1.8
0.0
5.4
13.6
0.0
0.0
3.2
3.5
–
–
–
–
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 ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.3
2.3
6.8
2.1
7.0
7.4
6.3
3.3
3.2
5.1
3.6
6.3
7.8
5.0
–
3.2
5.7
0.9
2.2
–
1.3
3.6
1.6
0.0
9.0
5.8
0.0
8.8
–
0.0
–
–
0.0
–
0.0
1.8
1.3
0.0
3.2
7.4
–
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
2.6
0.0
0.0
0.0
0.0
13.2
14.1
0.0
–
3.5
0.0
0.0
14.5
15.7
–
–
15.1
0.9
4.0
4.0
0.0
3.9
5.2
5.7
13.9
–
7.4
12.0
6.3
2.4
0.0
0.0
0.0
0.0
1.3
3.2
0.0
3.2
4.9
5.2
0.0
7.2
–
0.0
12.2
2.3
2.4
6.8
2.1
–
–
6.3
3.3
3.2
5.1
3.6
6.3
7.8
5.0
6.0
3.2
5.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 58. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, 2015—continued
Percent of earnings, up to Internal Revenue Code limit
Characteristics
Percent of
earnings
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
2.9
3.7
6.8
2.3
2.9
3.0
0.0
0.0
–
2.9
7.3
0.9
2.6
3.6
12.6
0.0
0.0
0.0
0.0
8.8
1.8
0.0
0.0
0.0
0.0
0.9
5.6
0.0
2.0
0.0
6.4
6.3
13.7
0.0
0.9
7.5
2.9
3.7
6.8
2.3
2.9
3.0
–
–
–
–
–
–
–
–
–
–
–
–
7.0
7.6
9.1
2.1
3.3
1.8
3.4
3.6
5.0
3.1
4.2
5.6
5.9
3.4
3.5
3.8
3.4
6.6
–
–
–
–
6.5
0.0
0.0
0.0
7.8
9.7
13.1
0.0
0.0
14.1
0.0
0.0
0.0
0.0
0.0
0.0
2.7
0.0
2.6
0.0
0.0
13.2
0.0
11.2
4.1
7.5
0.0
0.0
0.0
0.0
–
20.5
–
0.0
0.0
8.9
4.3
0.0
0.0
6.1
0.0
5.1
1.6
6.6
6.9
9.6
1.3
0.0
4.7
7.5
0.0
1.6
2.6
11.4
0.0
4.6
7.2
7.6
9.4
2.1
3.3
1.8
3.4
3.6
5.0
3.1
4.2
5.6
5.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 59. Savings and thrift plans: Method of employer matching contributions, private industry workers, 2015
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
Worker characteristics
All workers ...............................................................
62
25
50
70
100
100
38
–
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 ....................
63
61
65
56
66
69
65
66
68
55
55
54
50
–
50
25
–
–
–
25
25
25
25
–
50
50
50
–
50
50
50
50
50
50
50
50
–
50
–
50
100
100
100
50
50
50
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
37
39
35
44
34
31
35
34
32
45
45
46
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
62
64
25
50
50
50
60
100
100
100
100
100
38
36
–
–
Union .......................................................................
Nonunion .................................................................
59
62
–
–
50
50
50
–
100
100
100
100
41
38
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
63
61
58
62
65
63
25
25
25
25
50
50
50
–
50
50
50
50
–
50
100
50
70
–
100
–
100
100
100
100
100
100
100
100
100
100
37
39
42
38
35
37
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
56
54
–
–
50
50
60
50
100
100
100
100
44
46
–
–
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 ...
Health care and social assistance ...................
64
67
67
71
56
76
69
70
69
80
55
59
57
62
53
62
63
–
–
25
50
–
50
50
50
50
50
50
25
–
–
50
100
–
50
50
–
50
50
50
–
50
–
100
50
50
50
50
–
100
50
–
100
50
100
–
85
100
100
100
100
100
50
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
36
33
33
29
44
24
31
30
31
20
45
41
43
38
47
38
37
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 59. Savings and thrift plans: Method of employer matching contributions, private industry workers, 2015—continued
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
Specified
matching
percent
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
58
64
47
64
63
66
25
–
25
–
–
–
50
50
50
50
50
50
–
–
–
75
–
–
100
100
100
100
100
100
100
100
100
100
100
100
42
36
53
36
37
34
–
–
–
–
–
–
67
71
65
62
61
70
59
68
64
75
53
50
55
25
25
25
–
–
25
50
–
–
–
–
25
–
50
–
50
50
50
–
50
50
50
50
50
50
50
–
50
–
100
–
–
–
100
100
–
50
50
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
33
29
35
38
39
30
41
32
36
25
47
50
45
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 59. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, 2015
Specified matching percent
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
Worker characteristics
All workers ...............................................................
1.7
5.3
0.0
16.6
0.0
0.0
1.7
–
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.9
3.5
3.3
6.9
2.4
2.9
2.8
3.8
4.4
3.5
5.0
5.5
9.1
–
8.8
0.0
–
–
–
2.2
3.8
0.0
0.0
–
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
2.6
0.0
–
12.2
–
0.0
0.0
0.0
0.0
2.6
0.0
11.0
10.6
–
0.0
0.0
0.0
16.4
0.0
0.0
0.0
0.0
14.2
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
0.0
2.9
3.5
3.3
6.9
2.4
2.9
2.8
3.8
4.4
3.5
5.0
5.5
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.7
3.8
2.9
1.8
0.0
0.0
17.3
0.0
0.0
0.0
0.0
0.0
1.7
3.8
–
–
Union .......................................................................
Nonunion .................................................................
5.4
1.8
–
–
0.0
0.0
0.0
–
15.3
0.0
0.0
0.0
5.4
1.8
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.4
9.2
2.7
2.5
2.9
4.3
0.9
0.0
2.6
2.9
10.3
14.1
0.0
–
0.0
0.0
0.0
0.0
–
0.0
7.3
4.3
20.3
–
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.4
9.2
2.7
2.5
2.9
4.3
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
3.7
4.6
–
–
0.0
0.0
12.3
13.1
0.0
10.2
0.0
0.0
3.7
4.6
–
–
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 ...
Health care and social assistance ...................
1.9
2.5
4.7
3.1
10.8
6.8
7.0
3.0
3.6
4.3
5.0
5.0
5.2
4.4
11.4
7.8
4.8
–
–
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
6.5
6.5
–
–
0.0
0.0
–
0.0
0.0
–
0.0
4.6
0.0
–
0.0
–
29.7
0.0
0.0
7.9
0.0
–
0.0
0.0
–
0.0
0.0
0.0
–
9.8
10.4
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
10.2
–
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
0.0
0.0
0.0
–
–
0.0
1.9
2.5
4.7
3.1
10.8
6.8
7.0
3.0
3.6
4.3
5.0
5.0
5.2
4.4
11.4
7.8
4.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 59. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, 2015—continued
Specified matching percent
Characteristics
Specified
matching
percent
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
2.8
3.4
5.4
2.1
2.7
3.2
1.3
–
0.0
–
–
–
0.0
0.0
6.5
0.0
0.0
0.0
–
–
–
19.2
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.8
3.4
5.4
2.1
2.7
3.2
–
–
–
–
–
–
3.5
4.5
4.3
2.6
3.5
7.7
4.6
3.3
4.1
3.0
4.6
9.2
4.7
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
–
24.8
–
–
–
9.6
0.0
–
0.0
9.8
0.0
0.0
25.6
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
0.0
0.0
0.0
3.5
4.5
4.3
2.6
3.5
7.7
4.6
3.3
4.1
3.0
4.6
9.2
4.7
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 60. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, 2015
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
Worker characteristics
All workers ...............................................................
62
3.0
4.0
6.0
6.0
6.0
38
–
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 ....................
63
61
65
56
66
69
65
66
68
55
55
54
3.0
–
3.0
3.0
4.0
4.0
–
3.0
3.0
3.0
–
3.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
6.0
6.0
5.0
–
6.0
6.0
6.0
6.0
6.0
5.0
5.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
7.0
6.0
6.0
6.0
6.0
6.0
8.0
–
6.0
6.0
6.0
37
39
35
44
34
31
35
34
32
45
45
46
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
62
64
3.0
3.0
4.0
4.0
6.0
5.0
6.0
6.0
6.0
6.0
38
36
–
–
Union .......................................................................
Nonunion .................................................................
59
62
–
3.0
–
4.0
6.0
6.0
6.0
6.0
–
6.0
41
38
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
63
61
58
62
65
63
–
4.0
3.0
3.0
3.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
5.0
–
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
7.0
7.0
37
39
42
38
35
37
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
56
54
–
–
4.0
4.0
6.0
6.0
6.0
6.0
–
6.0
44
46
–
–
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 ...
Health care and social assistance ...................
64
67
67
71
56
76
69
70
69
80
55
59
57
62
53
62
63
3.0
–
4.0
4.0
3.0
–
4.0
4.0
4.0
4.0
4.0
4.0
–
2.0
2.0
–
2.0
4.0
4.0
4.0
4.0
3.0
5.0
–
5.0
5.0
5.0
5.0
–
4.0
3.0
–
–
3.0
6.0
6.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
5.0
6.0
6.0
6.0
4.0
5.0
5.0
4.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
5.0
5.0
5.0
5.0
6.0
6.0
6.0
6.0
–
6.0
–
6.0
6.0
6.0
6.0
–
–
6.0
5.0
5.0
6.0
36
33
33
29
44
24
31
30
31
20
45
41
43
38
47
38
37
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 60. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers,
2015—continued
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
58
64
47
64
63
66
3.0
3.0
3.0
3.0
3.0
3.0
4.0
4.0
4.0
4.0
4.0
4.0
5.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
42
36
53
36
37
34
–
–
–
–
–
–
67
71
65
62
61
70
59
68
64
75
53
50
55
4.0
–
4.0
4.0
4.0
4.0
3.0
3.0
–
3.0
–
4.0
–
4.0
4.0
4.0
4.0
4.0
4.0
4.0
–
–
–
4.0
5.0
4.0
6.0
6.0
6.0
6.0
6.0
6.0
5.0
5.0
5.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
7.0
6.0
6.0
6.0
6.0
–
6.0
6.0
6.0
6.0
6.0
7.0
33
29
35
38
39
30
41
32
36
25
47
50
45
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 60. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, 2015
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
Worker characteristics
All workers ...............................................................
1.7
0.0
0.0
0.6
0.0
0.0
1.7
–
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.9
3.5
3.3
6.9
2.4
2.9
2.8
3.8
4.4
3.5
5.0
5.5
0.0
–
0.0
0.0
0.9
0.0
–
0.0
0.4
0.7
–
0.5
0.0
(2)
0.0
0.0
0.0
0.1
0.0
0.3
0.4
0.0
0.5
0.0
1.1
0.0
0.2
–
0.0
0.0
0.6
0.3
0.0
0.7
1.2
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
1.1
0.0
0.0
0.0
0.0
0.0
2.2
–
0.0
0.0
0.0
2.9
3.5
3.3
6.9
2.4
2.9
2.8
3.8
4.4
3.5
5.0
5.5
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.7
3.8
0.0
0.4
0.0
0.0
0.2
0.3
0.0
0.0
0.0
0.0
1.7
3.8
–
–
Union .......................................................................
Nonunion .................................................................
5.4
1.8
–
0.1
–
0.0
1.4
0.6
0.0
0.0
–
0.0
5.4
1.8
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.4
9.2
2.7
2.5
2.9
4.3
–
0.7
0.4
0.0
0.0
0.9
0.0
0.0
0.0
0.0
0.0
0.5
0.8
–
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
1.3
1.0
4.4
9.2
2.7
2.5
2.9
4.3
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
3.7
4.6
–
–
0.0
0.5
0.4
0.0
0.0
0.0
–
0.8
3.7
4.6
–
–
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 ...
Health care and social assistance ...................
1.9
2.5
4.7
3.1
10.8
6.8
7.0
3.0
3.6
4.3
5.0
5.0
5.2
4.4
11.4
7.8
4.8
0.0
–
0.3
0.0
0.0
–
1.0
0.0
0.0
0.0
0.1
0.0
–
0.0
0.0
–
0.4
0.0
0.0
0.0
0.0
0.8
0.7
–
0.5
0.3
1.1
0.0
–
1.1
0.4
–
–
0.4
0.9
0.7
0.2
0.8
1.3
0.0
0.0
0.6
0.9
0.6
0.0
0.0
0.0
0.0
0.4
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
0.0
0.0
0.9
0.0
0.0
0.3
0.0
–
0.0
–
0.0
0.0
0.0
1.4
–
–
0.0
1.3
0.0
0.0
1.9
2.5
4.7
3.1
10.8
6.8
7.0
3.0
3.6
4.3
5.0
5.0
5.2
4.4
11.4
7.8
4.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 60. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, 2015—continued
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
2.8
3.4
5.4
2.1
2.7
3.2
0.0
0.0
0.5
0.5
0.8
0.9
0.0
0.0
0.0
0.0
0.2
0.0
(2)
1.3
0.0
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.0
0.0
1.2
2.8
3.4
5.4
2.1
2.7
3.2
–
–
–
–
–
–
3.5
4.5
4.3
2.6
3.5
7.7
4.6
3.3
4.1
3.0
4.6
9.2
4.7
0.8
–
0.0
0.4
0.0
0.0
0.4
0.8
–
0.0
–
0.0
–
0.0
0.1
(2)
0.0
0.0
1.0
0.0
–
–
–
0.5
0.6
0.0
0.9
1.1
1.2
0.0
0.0
0.0
0.4
0.2
0.7
0.6
0.0
0.0
0.9
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
0.5
1.5
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
1.2
0.0
1.2
3.5
4.5
4.3
2.6
3.5
7.7
4.6
3.3
4.1
3.0
4.6
9.2
4.7
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 61. Savings and thrift plans: Automatic enrollment,1 private industry workers, 2015
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
Automatic
enrollment
available
Default contribution as percent of earnings
Default
Default
Other
contribution
contribution
50th
default
as percent
10th
25th
75th
90th
not
percentile
contribution2
of earnings percentile percentile
percentile percentile
determinable
(median)
No automatic
enrollment
available
Not
determinable
Worker characteristics
All workers ...............................................................
38
36
2.0
3.0
3.0
4.0
6.0
–
2
54
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
43
43
43
25
–
33
25
37
36
41
45
45
44
39
40
38
25
–
32
25
35
36
41
43
43
44
2.0
3.0
2.0
–
–
–
1.0
2.0
–
–
2.0
–
–
3.0
3.0
3.0
3.0
–
–
1.0
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
3.0
4.0
–
3.0
3.0
3.0
3.0
3.0
4.0
4.0
–
6.0
6.0
5.0
4.0
–
5.0
4.0
6.0
4.0
–
6.0
6.0
6.0
–
–
–
–
–
–
–
–
–
–
–
–
–
4
4
5
–
3
1
(3)
2
(3)
3
( )
1
2
–
47
47
47
69
73
60
67
56
54
48
48
46
51
10
10
10
6
–
7
8
6
10
11
7
9
5
Full time ...................................................................
Part time ..................................................................
39
28
37
28
2.0
1.0
3.0
–
3.0
3.0
4.0
3.0
6.0
4.0
–
–
3
(3)
52
65
8
7
Union .......................................................................
Nonunion .................................................................
28
39
27
37
–
2.0
3.0
3.0
3.0
3.0
4.0
4.0
5.0
6.0
–
–
2
2
62
53
10
8
Average wage within the following categories4:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
23
–
36
43
43
45
23
–
34
41
39
39
1.0
–
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
4.0
–
3.0
–
4.0
4.0
4.0
–
6.0
6.0
6.0
6.0
–
–
–
–
–
–
–
–
1
2
4
5
72
68
57
48
48
47
5
–
8
9
9
8
Goods-producing industries .....................................
Manufacturing ......................................................
50
54
47
51
–
–
3.0
3.0
3.0
3.0
4.0
4.0
6.0
6.0
–
–
3
3
41
36
9
10
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 ...
Health care and social assistance ...................
35
32
40
24
38
40
46
47
50
40
63
38
24
31
–
–
33
33
31
40
24
37
34
42
44
48
40
59
31
24
30
–
–
32
2.0
1.0
2.0
1.0
–
–
2.0
3.0
3.0
–
3.0
3.0
3.0
–
–
–
2.0
3.0
2.0
–
1.0
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
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
3.0
3.0
3.0
–
–
3.0
4.0
–
–
4.0
5.0
6.0
6.0
4.0
6.0
3.0
3.0
6.0
6.0
–
6.0
6.0
–
4.0
–
–
4.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
(3)
–
–
(3)
6
5
2
3
3
( )
4
7
–
–
–
–
–
57
62
53
70
56
52
49
45
43
54
28
59
71
55
–
85
51
8
6
7
6
6
8
5
8
7
6
9
4
6
14
2
–
16
Establishment characteristics
See footnotes at end of table.
Table 61. Savings and thrift plans: Automatic enrollment,1 private industry workers, 2015—continued
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
Automatic
enrollment
available
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Default contribution as percent of earnings
Default
Default
Other
contribution
contribution
50th
default
as percent
10th
25th
75th
90th
not
percentile
contribution2
of earnings percentile percentile
percentile percentile
determinable
(median)
No automatic
enrollment
available
Not
determinable
33
32
36
41
35
49
32
32
33
38
34
44
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
–
4.0
4.0
–
6.0
5.0
6.0
6.0
6.0
–
–
–
–
–
–
–
1
1
2
3
1
5
55
58
51
53
59
44
11
10
14
6
6
6
37
42
35
38
29
33
41
45
32
42
42
42
35
39
32
33
29
32
38
42
30
40
41
39
–
–
2.0
2.0
2.0
3.0
–
–
2.0
2.0
–
2.0
3.0
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
3.0
3.0
3.0
3.0
3.0
3.0
4.0
4.0
–
3.0
–
4.0
4.0
4.0
4.0
3.0
3.0
3.0
6.0
–
5.0
–
–
5.0
6.0
6.0
6.0
6.0
6.0
5.0
–
–
–
–
–
–
–
–
–
–
–
–
2
3
3
5
–
3
( )
2
3
2
2
–
2
50
51
62
59
68
64
51
47
59
45
42
47
13
7
3
3
2
3
8
8
10
13
16
12
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
4
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.
Other default contributions are based on maximum dollar amounts specified by the employer, amounts based on employee length of service, or other methods.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 61. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, 2015
With automatic enrollment
Characteristics
Automatic
enrollment
available
Default contribution as percent of earnings
No automatic
Default
Default
Other
enrollment
contribution
contribution
default
50th
available
as percent
10th
25th
75th
90th
not
contribution2
percentile
of earnings percentile percentile
percentile percentile
determinable
(median)
Not
determinable
Worker characteristics
All workers ...............................................................
1.7
1.7
0.0
0.0
0.0
1.0
0.2
–
0.5
1.7
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.9
3.5
3.4
5.7
–
2.1
3.2
2.8
3.7
4.5
4.5
7.0
5.2
2.9
3.7
3.3
5.7
–
2.4
3.2
3.2
3.6
4.4
3.9
5.9
5.2
0.0
0.0
0.0
–
–
–
0.0
0.0
–
–
0.0
–
–
0.0
0.0
0.2
0.0
–
–
0.3
0.0
–
–
0.0
0.0
0.3
0.0
0.0
0.0
0.0
–
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
–
0.8
0.4
0.7
–
0.0
0.0
0.3
0.0
0.0
0.9
0.9
–
0.3
0.0
1.4
0.0
–
1.1
0.0
1.2
0.5
–
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
1.1
1.2
1.4
–
2.5
0.5
0.1
0.8
0.2
0.2
0.9
1.5
–
3.2
3.9
3.6
5.6
9.2
2.3
3.9
2.8
3.8
4.2
4.0
5.8
5.1
2.1
2.0
3.1
2.3
–
1.2
2.8
1.3
2.7
3.2
1.6
2.7
1.2
Full time ...................................................................
Part time ..................................................................
1.7
3.3
1.7
3.4
0.0
0.0
0.0
–
0.0
0.0
0.7
0.3
0.0
0.0
–
–
0.6
0.3
1.8
3.3
1.2
2.2
Union .......................................................................
Nonunion .................................................................
5.5
1.8
5.4
1.8
–
0.0
0.2
0.0
0.0
0.0
0.5
1.2
0.9
0.2
–
–
0.8
0.6
5.8
1.9
2.8
1.2
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.4
–
3.3
2.2
3.0
4.0
3.4
–
3.1
2.3
2.9
3.9
0.2
–
0.2
0.0
0.3
0.3
0.4
–
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.5
–
0.6
–
0.7
0.8
0.0
–
1.2
0.2
0.2
0.0
–
–
–
–
–
–
–
–
0.4
0.6
1.4
1.7
3.5
9.1
3.3
2.3
3.3
4.4
1.4
–
1.2
1.7
1.9
1.7
Goods-producing industries .....................................
Manufacturing ......................................................
4.7
5.3
4.6
5.0
–
–
0.0
0.0
0.0
0.0
0.5
0.9
0.0
0.0
–
–
1.3
1.6
4.5
4.8
1.6
1.9
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 .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.6
2.1
3.9
3.0
7.5
9.3
7.5
3.2
3.3
5.1
4.0
5.4
5.0
4.6
–
–
5.2
1.7
2.0
3.9
3.0
7.5
7.1
7.4
3.6
3.6
5.0
4.1
5.1
5.0
4.7
–
–
5.2
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
0.3
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
0.0
–
–
0.0
0.0
–
0.5
0.0
–
0.0
0.0
0.0
0.2
0.0
–
–
0.0
0.7
–
–
0.5
1.3
1.0
0.0
0.4
0.0
0.8
0.0
0.9
0.7
–
0.5
1.2
–
0.7
–
–
1.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.6
0.2
–
–
0.2
3.7
2.6
0.8
0.9
0.4
0.7
3.2
–
–
–
–
–
1.8
2.4
4.3
3.0
7.5
9.2
7.4
3.0
3.3
5.5
3.3
6.1
6.2
4.7
–
4.3
5.1
1.3
1.7
2.4
2.8
3.5
4.8
3.3
1.6
1.6
2.2
2.8
2.0
3.3
5.4
2.1
–
6.1
Establishment characteristics
See footnotes at end of table.
Table 61. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, 2015—continued
With automatic enrollment
Characteristics
Automatic
enrollment
available
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Default contribution as percent of earnings
No automatic
Default
Default
Other
enrollment
contribution
contribution
default
50th
available
as percent
10th
25th
75th
90th
not
contribution2
percentile
of earnings percentile percentile
percentile percentile
determinable
(median)
Not
determinable
2.9
3.3
5.7
2.4
2.7
3.7
2.9
3.3
5.6
2.6
2.8
4.2
0.2
–
0.3
0.0
0.0
0.0
0.0
0.4
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
0.3
–
1.4
1.3
1.7
0.2
0.0
–
–
–
–
–
–
–
0.6
0.3
1.2
0.8
0.7
2.1
3.3
3.6
5.7
2.4
2.7
3.6
2.6
2.0
6.9
0.7
1.2
1.3
5.0
6.6
2.1
3.2
4.5
3.0
3.8
4.7
4.5
3.4
5.2
4.4
5.5
7.3
2.0
3.2
4.5
3.0
3.4
4.3
4.1
3.7
5.3
5.2
–
–
0.0
0.0
0.0
0.2
–
–
0.0
0.0
–
0.3
0.0
0.0
0.0
0.0
0.0
0.0
–
0.4
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
0.5
1.1
–
0.0
–
0.2
0.4
0.9
0.5
0.0
0.5
0.0
0.0
–
1.2
–
–
1.3
0.0
0.0
1.1
1.5
1.0
1.5
–
–
–
–
–
–
–
–
–
–
–
–
0.9
1.3
1.1
1.9
–
0.1
0.8
1.0
0.9
1.0
–
1.6
5.6
7.8
2.0
2.8
4.4
3.6
3.7
4.4
5.5
3.3
4.5
4.6
2.3
2.3
0.6
0.8
1.2
1.4
1.8
2.4
2.3
3.8
8.7
2.4
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
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.
Other default contributions are based on maximum dollar amounts specified by the employer, amounts based on employee length of service, or other methods.
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 62. Savings and thrift plans: Maximum potential employer contribution,1 private
industry workers, 2015
(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 characteristics
All workers ...............................................................
1.5
2.0
3.0
5.0
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.5
1.5
1.5
1.5
2.0
2.0
–
1.5
–
1.5
1.5
1.5
3.0
3.0
–
1.5
3.0
3.0
3.0
2.0
2.0
2.0
2.0
2.0
3.0
3.0
3.0
2.0
4.0
4.0
4.0
3.0
3.0
3.0
3.0
3.0
5.0
5.0
5.0
4.0
6.0
6.0
5.0
4.9
5.0
4.0
4.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
Full time ...................................................................
Part time ..................................................................
1.5
1.5
2.0
–
3.0
4.0
5.0
5.0
6.0
6.0
Union .......................................................................
Nonunion .................................................................
–
1.5
–
2.4
2.5
3.0
4.0
5.0
5.1
6.0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.5
1.5
1.5
1.5
1.5
–
2.0
1.5
2.0
2.0
3.0
3.0
3.8
2.0
3.0
3.0
3.5
3.5
5.0
–
5.0
5.0
5.0
5.0
6.0
5.0
6.0
6.0
6.0
6.0
Goods-producing industries .....................................
Manufacturing ......................................................
1.5
1.5
2.4
2.4
3.0
3.0
4.0
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 ...
Health care and social assistance ...................
1.5
1.5
1.5
2.0
–
3.0
3.0
3.0
3.0
3.0
3.0
1.5
–
–
–
–
–
2.0
3.0
2.0
3.0
–
3.0
–
3.0
3.0
4.0
3.0
3.0
–
2.0
–
–
2.0
3.0
4.0
3.0
4.0
–
5.0
4.5
4.2
5.0
5.0
4.1
3.0
3.0
–
5.0
5.0
–
5.0
6.0
4.0
6.0
6.0
5.1
6.0
6.0
6.0
6.0
5.0
–
–
4.0
5.0
5.0
4.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
–
5.0
–
–
5.0
Establishment characteristics
See footnotes at end of table.
Table 62. Savings and thrift plans: Maximum potential employer contribution,1 private
industry workers, 2015—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
1.5
1.5
–
1.5
1.5
1.5
2.4
2.4
–
2.0
2.0
–
3.0
3.0
3.0
3.6
3.5
4.0
4.0
4.0
4.0
6.0
6.0
6.0
5.0
5.0
6.0
6.0
6.0
6.0
–
1.5
1.0
1.5
–
1.5
2.0
1.5
1.5
1.5
1.5
1.5
–
2.4
2.0
3.0
3.0
–
–
3.0
2.0
2.0
–
2.4
–
2.4
3.0
3.0
3.0
4.0
4.0
4.0
4.0
3.0
3.0
3.0
3.0
3.0
3.0
4.2
4.0
4.9
6.0
6.0
6.0
6.0
5.0
5.0
4.5
5.0
5.0
4.5
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
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 62. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, 2015
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
0.0
0.5
0.2
0.0
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.0
0.3
0.2
0.0
0.2
0.0
–
0.3
–
0.0
0.1
0.0
0.3
0.0
–
0.0
0.0
0.0
0.2
0.2
0.1
0.0
0.4
0.5
0.3
0.7
0.2
0.3
(2)
1.0
0.1
0.0
0.0
0.0
0.2
0.3
0.0
0.0
0.5
1.1
0.0
0.0
1.3
0.7
0.5
0.4
0.0
1.3
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.0
Full time ...................................................................
Part time ..................................................................
0.0
0.0
0.4
–
0.1
0.3
0.0
0.6
0.0
0.0
Union .......................................................................
Nonunion .................................................................
–
0.0
–
0.4
0.6
0.7
0.6
0.0
1.2
0.0
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
0.0
0.0
0.3
–
0.1
(2)
0.0
0.3
0.1
0.0
0.8
0.1
0.7
0.0
0.7
0.7
0.3
–
0.4
0.3
0.0
0.4
0.0
0.9
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Manufacturing ......................................................
0.0
0.0
0.2
0.4
0.1
0.1
0.0
0.0
0.3
0.2
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 ...
Health care and social assistance ...................
0.0
(2)
0.0
0.0
–
0.0
0.0
0.3
0.0
0.0
0.5
0.4
–
–
–
–
–
0.3
0.5
0.2
0.0
–
0.2
–
0.0
0.0
1.1
0.0
0.3
–
0.0
–
–
0.4
0.5
0.0
0.0
0.0
–
0.8
0.3
1.1
0.0
0.0
0.5
0.0
0.0
–
1.3
0.0
–
(2)
0.9
0.1
0.0
0.0
(2)
0.9
1.5
0.3
0.4
1.2
–
–
0.3
0.0
0.6
1.0
0.0
0.0
0.7
0.0
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
–
–
0.8
Establishment characteristics
See footnotes at end of table.
Table 62. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, 2015—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
0.0
0.1
–
0.0
0.0
0.0
0.6
0.5
–
0.4
0.3
–
0.0
0.0
0.0
0.5
0.7
0.7
0.0
0.0
0.7
0.8
1.4
0.8
0.7
0.0
1.3
0.0
0.0
0.0
–
0.2
0.0
0.3
–
0.0
0.4
0.0
0.0
0.0
0.1
0.0
–
0.6
0.2
0.4
0.8
–
–
0.5
0.0
0.0
–
0.5
–
0.6
0.0
0.4
0.6
0.1
0.6
0.9
0.1
0.0
0.0
0.0
0.1
0.0
0.3
0.7
0.4
0.9
0.5
0.6
1.4
1.2
0.1
0.0
0.9
0.6
0.0
0.5
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
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 63. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount
matched by employer, private industry workers, 2015
(All workers participating in savings and thrift plans = 100 percent)
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
enrollment
not available
Not
determinable
Worker characteristics
All workers ...............................................................
38
33
50
60
100
100
54
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
43
43
43
25
–
33
25
37
36
41
45
45
44
–
–
–
–
–
25
25
44
–
25
50
50
50
50
50
50
50
–
50
25
50
50
–
67
–
60
60
50
60
–
–
50
44
60
50
50
100
100
–
100
100
–
75
–
75
67
75
–
60
100
100
100
100
100
100
100
–
100
83
100
100
100
–
–
150
47
47
47
69
73
60
67
56
54
48
48
46
51
10
10
10
6
–
7
8
6
10
11
7
9
5
Full time ...................................................................
Part time ..................................................................
39
28
–
25
50
–
60
67
100
75
100
100
52
65
8
7
Union .......................................................................
Nonunion .................................................................
28
39
50
33
50
50
60
60
100
100
100
100
62
53
10
8
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
23
–
36
43
43
45
25
–
44
40
–
43
–
–
50
50
50
50
67
–
60
60
60
60
–
–
100
100
100
–
100
–
100
100
100
100
72
68
57
48
48
47
5
–
8
9
9
8
Goods-producing industries .....................................
Manufacturing ......................................................
50
54
50
50
60
60
100
100
100
100
–
150
41
36
9
10
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 ...
Health care and social assistance ...................
35
32
40
24
38
40
46
47
50
40
63
38
24
31
–
–
33
25
25
33
25
60
40
44
50
50
50
–
20
–
–
–
–
–
50
–
43
25
–
50
44
50
50
50
50
–
–
–
–
–
–
50
50
60
–
100
50
50
60
60
60
60
50
–
75
–
–
75
75
100
–
67
100
60
–
–
86
–
100
50
–
75
–
–
–
100
100
100
100
100
–
–
100
100
100
100
100
–
100
–
–
100
57
62
53
70
56
52
49
45
43
54
28
59
71
55
–
85
51
8
6
7
6
6
8
5
8
7
6
9
4
6
14
2
–
16
Establishment characteristics
See footnotes at end of table.
Table 63. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount
matched by employer, private industry workers, 2015—continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Automatic
enrollment
available
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
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
enrollment
not available
Not
determinable
33
32
36
41
35
49
–
25
43
–
–
–
50
50
50
50
50
50
60
60
50
60
67
50
75
75
100
100
100
100
100
100
–
100
100
100
55
58
51
53
59
44
11
10
14
6
6
6
37
42
35
38
29
33
41
45
32
42
42
42
43
43
–
–
50
20
–
–
–
–
–
–
50
–
50
50
50
–
50
50
50
50
50
43
67
67
50
50
67
60
–
–
–
50
50
50
–
75
100
100
–
75
100
100
100
–
–
–
100
100
100
100
100
100
100
100
100
100
100
100
50
51
62
59
68
64
51
47
59
45
42
47
13
7
3
3
2
3
8
8
10
13
16
12
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
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.
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
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 63. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee
maximum amount matched by employer, private industry workers, 2015
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
enrollment
not available
Not
determinable
Worker characteristics
All workers ...............................................................
1.7
7.3
0.0
2.5
2.6
0.0
1.7
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.9
3.5
3.4
5.7
–
2.1
3.2
2.8
3.7
4.5
4.5
7.0
5.2
–
–
–
–
–
7.2
0.0
7.0
–
4.8
4.8
12.7
7.4
1.0
0.0
3.7
0.0
–
7.6
4.3
0.0
8.1
–
13.7
–
9.5
13.0
11.5
16.0
–
–
13.4
8.6
6.8
0.0
0.0
0.0
0.0
–
17.0
11.9
–
13.4
–
5.3
4.7
15.8
–
14.1
0.0
0.0
0.0
0.0
0.0
0.0
25.4
–
0.0
11.6
0.0
0.0
6.8
–
–
28.9
3.2
3.9
3.6
5.6
9.2
2.3
3.9
2.8
3.8
4.2
4.0
5.8
5.1
2.1
2.0
3.1
2.3
–
1.2
2.8
1.3
2.7
3.2
1.6
2.7
1.2
Full time ...................................................................
Part time ..................................................................
1.7
3.3
–
0.0
0.0
–
2.5
18.0
0.0
12.9
0.0
0.0
1.8
3.3
1.2
2.2
Union .......................................................................
Nonunion .................................................................
5.5
1.8
1.8
9.2
6.6
0.0
5.7
4.0
21.7
0.0
0.0
0.0
5.8
1.9
2.8
1.2
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.4
–
3.3
2.2
3.0
4.0
0.0
–
8.6
9.7
–
11.9
–
–
0.0
0.0
0.0
0.0
12.1
–
10.0
7.2
14.1
13.7
–
–
0.0
0.0
11.5
–
0.0
–
0.0
0.0
0.0
0.0
3.5
9.1
3.3
2.3
3.3
4.4
1.4
–
1.2
1.7
1.9
1.7
Goods-producing industries .....................................
Manufacturing ......................................................
4.7
5.3
0.0
0.0
7.3
9.2
7.9
9.1
0.0
0.0
–
42.5
4.5
4.8
1.6
1.9
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 .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.6
2.1
3.9
3.0
7.5
9.3
7.5
3.2
3.3
5.1
4.0
5.4
5.0
4.6
–
–
5.2
4.8
0.0
0.0
0.0
10.9
10.5
0.0
0.0
0.0
0.0
–
0.0
–
–
–
–
–
5.8
–
9.2
0.0
–
9.3
1.4
0.0
0.0
0.0
0.0
–
–
–
–
–
–
4.8
13.3
15.2
–
0.0
11.4
0.0
0.0
0.0
0.0
4.6
11.8
–
7.6
–
–
0.0
3.0
21.7
–
18.7
0.0
0.0
–
–
23.1
–
6.9
0.0
–
18.2
–
–
–
0.0
0.0
0.0
26.0
0.0
–
–
0.0
0.0
0.0
0.0
18.2
–
11.2
–
–
11.2
1.8
2.4
4.3
3.0
7.5
9.2
7.4
3.0
3.3
5.5
3.3
6.1
6.2
4.7
–
4.3
5.1
1.3
1.7
2.4
2.8
3.5
4.8
3.3
1.6
1.6
2.2
2.8
2.0
3.3
5.4
2.1
–
6.1
Establishment characteristics
See footnotes at end of table.
Table 63. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee
maximum amount matched by employer, private industry workers, 2015—continued
Characteristics
Automatic
enrollment
available
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
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
enrollment
not available
Not
determinable
2.9
3.3
5.7
2.4
2.7
3.7
–
5.0
2.0
–
–
–
4.1
12.9
5.5
0.0
0.0
0.0
10.0
13.1
13.3
4.5
12.0
13.0
12.8
4.6
24.2
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
3.3
3.6
5.7
2.4
2.7
3.6
2.6
2.0
6.9
0.7
1.2
1.3
5.0
6.6
2.1
3.2
4.5
3.0
3.8
4.7
4.5
3.4
5.2
4.4
7.8
8.5
–
–
7.9
0.0
–
–
–
–
–
–
13.1
–
0.0
0.0
0.0
–
0.0
1.4
0.0
3.4
0.0
9.4
12.3
12.5
12.8
5.2
5.3
15.5
–
–
–
3.2
10.0
5.2
–
0.0
23.5
6.4
–
16.5
0.0
0.0
0.0
–
–
–
0.0
0.0
0.0
0.0
0.0
12.1
0.0
20.4
0.0
0.0
21.0
0.0
5.6
7.8
2.0
2.8
4.4
3.6
3.7
4.4
5.5
3.3
4.5
4.6
2.3
2.3
0.6
0.8
1.2
1.4
1.8
2.4
2.3
3.8
8.7
2.4
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
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.
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
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 64. Savings and thrift plans: Selected automatic escalation features, private industry workers, 2015
(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)
Automatic escalation features1
Characteristics
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
number of
years of
escalation
Median
percent of
earnings after
maximum
escalation
Automatic
Not
escalation
determinable
not available
Worker characteristics
All workers ...............................................................
35
23
3
32
6.0
53
12
Management, professional, and related ..................
Management, business, and financial .................
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 ....................
35
37
–
38
24
43
55
59
30
25
37
26
27
–
22
–
26
35
37
14
–
–
3
–
–
3
–
3
3
3
–
–
–
29
30
–
36
24
40
53
56
29
24
36
6.0
6.0
–
6.0
–
6.0
6.0
6.0
–
7.0
10.0
49
51
68
51
71
43
41
36
62
65
59
16
12
–
11
4
13
4
5
8
11
4
Full time ...................................................................
Part time ..................................................................
34
48
23
–
3
–
31
48
6.0
–
53
49
13
3
Union .......................................................................
Nonunion .................................................................
–
35
–
23
–
3
–
32
–
6.0
47
53
–
12
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
37
36
34
36
–
19
23
25
29
–
3
–
3
3
–
37
33
29
32
–
6.0
6.0
6.0
6.0
57
57
55
48
44
–
6
9
17
19
Goods-producing industries .....................................
Manufacturing ......................................................
28
29
16
16
–
–
24
25
8.0
8.0
55
54
17
17
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
38
36
54
55
64
48
–
25
–
45
46
59
35
–
3
–
3
3
2
4
–
35
34
54
55
64
48
–
6.0
–
6.0
6.0
5.0
7.0
–
52
60
34
35
35
38
–
10
4
12
10
2
14
9
Establishment characteristics
See footnotes at end of table.
Table 64. Savings and thrift plans: Selected automatic escalation features, private industry workers,
2015—continued
(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)
Automatic escalation features1
Characteristics
Automatic
escalation
available
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
contribution
escalates for
predetermined
number of
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
number of
years of
escalation
Median
percent of
earnings after
maximum
escalation
Automatic
Not
escalation
determinable
not available
39
39
38
34
29
39
33
35
–
17
11
23
3
3
–
–
4
–
36
39
29
30
27
34
6.0
6.0
7.0
6.0
7.0
6.0
54
55
52
52
61
43
7
5
10
14
10
18
–
–
–
35
37
43
28
32
31
35
37
–
–
–
–
18
19
–
16
22
21
–
24
–
–
–
–
3
4
–
3
3
3
–
3
–
–
–
–
28
25
41
27
30
28
35
36
–
–
–
–
6.0
–
6.0
6.0
6.0
6.0
10.0
7.0
–
52
66
48
51
45
50
61
62
62
61
46
56
–
–
–
14
17
7
11
7
7
4
16
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 64. Standard errors for savings and thrift plans: Selected automatic escalation features, private industry
workers, 2015
Automatic escalation features
Characteristics
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
number of
years of
escalation
Median
percent of
earnings after
maximum
escalation
Automatic
Not
escalation
determinable
not available
Worker characteristics
All workers ...............................................................
3.6
3.2
0.0
3.4
0.0
3.4
1.8
Management, professional, and related ..................
Management, business, and financial .................
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 ....................
4.1
4.6
–
4.9
5.5
5.7
9.4
10.6
5.3
5.3
8.8
3.9
4.3
–
3.4
–
4.2
9.6
11.0
4.0
–
–
0.0
–
–
0.2
–
0.2
0.4
0.5
–
–
–
3.9
3.8
–
4.9
5.5
5.8
9.4
10.6
5.3
5.2
8.9
0.0
0.0
–
0.0
–
0.0
0.9
1.1
–
2.0
2.0
4.3
5.0
12.6
4.6
5.3
5.1
8.5
9.1
6.4
7.5
9.0
2.9
2.6
–
3.0
2.0
3.9
2.0
2.5
2.9
4.4
2.7
Full time ...................................................................
Part time ..................................................................
3.4
9.1
3.0
–
0.0
–
3.3
9.1
0.0
–
3.4
8.9
1.9
2.1
Union .......................................................................
Nonunion .................................................................
–
3.6
–
3.3
–
0.0
–
3.4
–
0.0
11.8
3.5
–
1.9
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
5.9
4.6
3.7
4.6
–
4.5
4.2
2.9
3.8
–
0.0
–
0.6
0.0
–
5.8
4.4
3.4
4.5
–
0.0
1.4
0.4
0.0
9.9
6.1
4.1
4.1
5.4
–
1.9
1.7
3.5
3.3
Goods-producing industries .....................................
Manufacturing ......................................................
4.3
4.3
4.2
4.3
–
–
4.2
4.3
1.2
1.1
5.9
6.0
4.5
4.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
4.4
6.5
4.6
4.7
5.9
6.9
–
3.9
–
3.9
4.0
6.1
6.0
–
0.0
–
0.0
0.0
0.4
1.0
–
4.3
7.0
4.6
4.7
5.9
6.9
–
0.0
–
0.2
0.2
0.3
1.0
–
4.1
6.0
3.7
3.7
6.0
4.9
–
1.9
2.1
3.8
3.5
1.1
4.8
6.1
Establishment characteristics
See footnotes at end of table.
Table 64. Standard errors for savings and thrift plans: Selected automatic escalation features, private industry
workers, 2015—continued
Automatic escalation features
Characteristics
Automatic
escalation
available
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
contribution
escalates for
predetermined
number of
years
Median
number of
years of
escalation
Employee
contribution
escalates to
specified
percent of
earnings
Median
percent of
earnings after
maximum
escalation
Automatic
Not
escalation
determinable
not available
6.2
9.9
9.6
3.6
5.3
5.4
6.3
9.8
–
2.3
3.0
3.4
0.0
0.0
–
–
0.9
–
6.0
9.9
8.6
3.7
5.3
5.5
0.0
0.0
1.6
1.1
1.4
1.7
5.9
9.3
9.1
3.6
5.6
4.7
2.2
2.3
4.5
2.4
2.9
5.1
–
–
–
6.0
9.5
9.1
7.7
4.6
5.2
9.4
6.1
–
–
–
–
3.6
5.6
–
3.1
3.9
4.1
–
5.0
–
–
–
–
0.8
0.8
–
0.0
0.3
0.0
–
0.8
–
–
–
–
5.0
7.2
8.2
7.7
4.9
5.7
9.4
5.8
–
–
–
–
0.0
–
0.7
0.0
1.7
0.0
0.9
1.2
–
11.8
9.6
14.5
5.6
8.0
8.2
10.7
5.4
6.6
9.2
5.4
9.7
–
–
–
3.4
4.1
5.1
7.2
2.4
3.1
1.7
3.9
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
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 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.