National Compensation Survey:
Health and Retirement Plan Provisions in Private
Industry in the United States, 2010
U.S. Department of Labor
Hilda L. Solis, Secretary
U.S. Bureau of Labor Statistics
Keith Hall, Commissioner
August 2011
Bulletin 2770
Employee Benefits Survey
Overview
The National Compensation Survey (NCS) provides comprehensive measures of compensation cost trends, the
incidence of benefits, and detailed benefit provisions. This bulletin presents estimates of the detailed provisions
of employer-provided health and retirement plans in private industry in 2010. Under the NCS program,
information on the incidence and provision of benefits is published in stages. An earlier bulletin provided 2010
NCS data for civilian, State and local government, and private industry workers, on the incidence of (access to
and participation in) selected benefits and detailed provisions of paid holidays, life insurance plans, and some
other benefit plans, as well as on employer and employee shares of contributions to medical care premiums and
their average amounts. Similar data for civilian, private industry, and State and local government workers for
March 2011 will be issued later this year.
This bulletin of detailed health and retirement provisions this year includes basic health, defined benefit, and
defined contribution tables. In addition, this year additional defined benefit retirement tables in private industry
are included. Health tables in state and local government are scheduled to be published in the spring of 2012.
Questions regarding these data and recent and historical NCS benefits data can be addressed by
calling the information line at (202) 691–6199 or by e-mailing to [email protected]. Information
is available to sensory- impaired individuals on request (Voice phone: (202) 691–5200; Federal
Relay Service: 1 (800) 877–8339). Data requests also may be sent by mail to the U.S. Bureau of
Labor Statistics, Division of Compensation Data Analysis and Planning, 2 Massachusetts
Avenue, NE, Room 4175, Washington, DC 20212. Material in this publication is in the public
domain and, with appropriate credit, may be reproduced without permission.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2010
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
Worker characteristic
All workers ........................................................................
100
76
3
62
6
5
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
72
77
70
69
–
80
84
77
76
–
72
81
80
82
–
–
–
–
–
–
–
–
–
–
–
4
–
–
58
67
53
53
61
66
75
63
62
66
58
70
70
70
9
4
11
6
–
5
–
6
–
–
–
4
–
–
4
5
4
–
–
5
–
6
6
–
–
2
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
75
85
2
–
62
63
6
–
5
–
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
76
76
6
–
61
63
5
7
5
5
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
84
76
76
73
76
–
3
2
–
–
72
62
62
59
63
–
7
6
7
7
–
4
6
5
5
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
79
76
80
–
–
–
68
64
70
4
–
–
3
–
3
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
75
81
77
79
72
78
81
80
85
82
64
66
62
64
–
–
–
–
–
–
–
–
–
–
–
–
–
–
61
71
66
64
62
58
61
58
65
70
39
54
44
37
7
4
–
–
–
10
10
13
–
–
15
8
13
16
5
3
–
–
–
9
8
8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2010—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristic
All workers ........................................................................
24
16
8
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
28
23
30
31
–
20
16
23
24
–
28
19
20
18
16
15
17
22
–
14
13
15
20
–
24
14
14
14
12
8
–
–
–
6
3
7
4
–
–
5
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
25
15
17
7
8
–
–
–
Union .................................................................................
Nonunion ...........................................................................
24
24
14
16
10
7
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
16
24
24
27
24
10
17
17
17
14
–
7
7
10
10
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
21
24
20
16
19
15
6
–
5
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
25
19
23
21
28
22
19
20
15
18
36
34
38
36
16
15
19
13
–
16
13
15
7
12
19
22
27
19
8
4
–
–
11
5
6
–
–
–
–
11
11
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
100
100
100
100
100
100
74
74
74
78
82
72
2
–
–
3
–
–
63
63
63
62
70
52
5
4
–
8
4
12
4
–
–
5
5
5
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
50
66
76
88
79
–
91
75
68
–
–
2
–
–
–
–
–
–
35
52
64
73
65
81
82
60
50
–
6
–
7
–
–
6
–
9
–
5
4
–
4
–
2
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2010—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Traditional
Open
access
Not
determinable
26
26
26
22
18
28
20
21
18
13
12
15
6
5
–
9
6
–
–
–
–
–
–
–
50
34
24
12
21
–
9
25
32
36
21
11
–
15
–
8
17
28
14
13
–
–
6
–
–
8
4
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. 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/glossary20102011.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2010
Fee-for-service plan
Characteristics
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
Worker characteristic
All workers ........................................................................
1.4
0.6
1.6
0.8
0.6
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.8
1.9
4.0
4.7
–
1.6
2.2
2.2
3.1
–
4.0
1.9
2.2
2.5
–
–
–
–
–
–
–
–
–
–
–
1.2
–
–
2.7
2.1
3.7
5.8
13.1
2.1
3.1
2.5
3.8
7.3
4.5
2.6
3.1
3.3
1.2
0.7
1.8
1.6
–
0.9
–
1.0
–
–
–
1.3
–
–
0.8
1.2
0.7
–
–
0.8
–
1.1
1.5
–
–
0.6
–
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
1.4
3.2
0.3
–
1.7
6.1
0.7
–
0.6
–
–
–
Union .................................................................................
Nonunion ...........................................................................
2.1
1.6
1.4
–
2.6
1.8
1.2
0.9
1.2
0.7
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.8
2.7
1.7
2.0
2.2
–
0.7
0.6
–
–
4.1
2.6
2.4
2.1
2.5
–
1.2
0.9
0.8
1.0
–
0.9
1.5
0.8
0.9
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.8
4.8
1.8
–
–
–
2.0
5.9
2.2
1.0
–
–
0.7
–
0.7
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.8
2.3
4.3
4.7
5.3
3.3
2.6
3.2
3.4
4.0
5.6
4.1
3.7
6.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.0
2.2
4.7
6.6
5.8
3.5
3.6
4.9
5.3
4.8
4.6
4.4
4.3
5.4
0.9
1.1
–
–
–
2.1
2.0
2.8
–
–
2.9
1.7
2.6
3.5
0.7
0.6
–
–
–
2.1
2.2
1.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2010—Continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristic
All workers ........................................................................
1.4
1.0
1.4
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.8
1.9
4.0
4.7
–
1.6
2.2
2.2
3.1
–
4.0
1.9
2.2
2.5
1.3
1.4
1.9
3.5
–
1.2
2.1
1.7
2.9
–
3.8
1.5
1.8
2.1
3.0
1.5
–
–
–
1.0
0.8
1.4
0.9
–
–
1.2
1.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
1.4
3.2
1.0
1.5
1.3
–
–
–
Union .................................................................................
Nonunion ...........................................................................
2.1
1.6
2.2
1.1
1.8
1.6
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.8
2.7
1.7
2.0
2.2
2.0
2.4
1.7
1.2
1.9
–
1.8
1.1
1.9
1.8
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.8
4.8
1.8
1.6
4.5
1.6
1.2
–
1.1
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.8
2.3
4.3
4.7
5.3
3.3
2.6
3.2
3.4
4.0
5.6
4.1
3.7
6.6
1.1
1.9
3.2
3.6
–
3.0
2.1
2.9
1.8
2.5
2.5
3.3
2.8
2.9
1.8
0.8
–
–
2.8
1.1
1.2
–
–
–
–
2.2
1.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2010—Continued
Fee-for-service plan
Characteristics
Total
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
1.8
2.1
4.8
2.2
1.6
3.8
0.6
–
–
0.9
–
–
2.4
2.6
4.6
2.1
2.3
3.2
1.2
1.1
–
0.9
1.2
1.4
1.2
–
–
0.6
1.2
0.8
–
–
–
–
–
–
5.5
2.4
6.4
3.4
2.1
–
1.5
3.3
3.4
–
–
0.6
–
–
–
–
–
–
8.8
2.8
5.6
5.9
3.3
4.8
1.9
7.2
4.7
–
1.1
–
1.4
–
–
1.2
–
1.9
–
1.2
0.8
–
0.8
–
0.4
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2010—Continued
Health maintenance organization
Characteristics
Total
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Traditional
Open
access
Not
determinable
1.8
2.1
4.8
2.2
1.6
3.8
1.7
2.0
3.4
1.0
1.2
1.5
0.9
1.1
–
2.3
1.1
–
–
–
–
–
–
–
5.5
2.4
6.4
3.4
2.1
–
1.5
3.3
3.4
5.4
1.7
2.6
–
1.8
–
1.7
3.3
3.3
3.3
1.2
–
–
1.3
–
–
1.7
0.7
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2010
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services
outside network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ........................................................................
97
3
–
77
23
–
33
67
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
98
98
98
98
100
97
97
97
98
97
99
96
95
96
–
–
–
–
–
–
–
–
–
–
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
78
79
77
69
65
78
82
76
72
77
69
79
79
79
22
21
23
31
–
22
18
24
28
23
31
21
21
21
–
–
–
–
–
–
–
–
–
–
–
–
–
–
38
29
43
44
–
30
22
33
35
31
39
24
24
24
62
71
57
56
61
70
78
67
65
69
61
76
76
76
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
98
89
2
–
–
–
76
80
24
–
–
–
34
25
66
75
–
–
Union .................................................................................
Nonunion ...........................................................................
94
98
6
–
–
–
75
77
25
23
–
–
30
34
70
66
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
95
97
98
98
98
–
3
2
–
–
–
–
–
–
–
83
76
75
76
79
17
24
25
24
21
–
–
–
–
–
23
34
34
37
32
77
66
66
63
68
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
97
98
97
–
–
–
–
–
–
78
75
79
22
25
21
–
–
–
27
34
25
73
66
75
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
97
97
100
96
99
98
98
99
95
98
98
99
99
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
76
79
76
78
76
72
77
76
77
81
71
73
69
71
24
21
24
22
24
28
23
24
23
19
29
27
31
29
–
–
–
–
–
–
–
–
–
–
–
–
–
–
35
25
32
29
31
38
34
40
23
25
58
43
55
60
65
75
68
71
69
62
66
60
77
75
42
57
45
40
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services
outside network
Plan network
Require primary care physician
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
98
98
97
97
97
97
2
–
–
3
–
–
–
–
–
–
–
–
74
73
78
78
80
76
26
27
22
22
20
24
–
–
–
–
–
–
34
34
33
33
25
42
66
66
67
67
75
58
–
–
–
–
–
–
98
96
98
95
98
93
99
95
98
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
52
71
82
89
79
86
89
74
63
48
29
18
–
21
–
11
26
37
–
–
–
–
–
–
–
–
–
54
44
32
20
33
–
16
34
46
46
56
68
80
67
91
84
66
54
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National
Compensation Survey, 2010
Allow non-emergency services
outside network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
No
Not
determinable
Yes
No
Not
determinable
Worker characteristic
All workers ........................................................................
0.6
0.6
–
1.4
1.4
–
1.6
1.6
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
0.7
0.6
1.0
0.7
(1)
1.7
1.0
2.4
0.8
1.8
0.5
1.2
1.7
1.3
–
–
–
–
–
–
–
–
–
–
–
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.6
1.6
2.2
5.6
13.6
2.0
2.7
2.7
3.3
6.3
3.9
2.0
2.5
2.6
1.6
1.6
2.2
5.6
–
2.0
2.7
2.7
3.3
6.3
3.9
2.0
2.5
2.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.6
2.1
3.6
6.0
–
1.8
2.8
2.4
3.8
7.3
4.3
2.4
2.7
3.0
2.6
2.1
3.6
6.0
13.1
1.8
2.8
2.4
3.8
7.3
4.3
2.4
2.7
3.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
0.3
6.5
0.3
–
–
–
1.3
6.1
1.3
–
–
–
1.6
4.4
1.6
4.4
–
–
Union .................................................................................
Nonunion ...........................................................................
1.4
0.7
1.4
–
–
–
2.1
1.6
2.1
1.6
–
–
2.1
1.8
2.1
1.8
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.3
0.7
0.6
0.6
0.6
–
0.7
0.6
–
–
–
–
–
–
–
3.8
2.4
2.6
1.4
1.8
3.8
2.4
2.6
1.4
1.8
–
–
–
–
–
3.2
2.5
2.3
1.9
2.3
3.2
2.5
2.3
1.9
2.3
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.0
1.4
1.1
–
–
–
–
–
–
1.9
5.4
1.9
1.9
5.4
1.9
–
–
–
1.9
5.8
2.0
1.9
5.8
2.0
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
0.8
0.9
0.3
2.3
0.8
0.8
0.9
0.5
2.2
3.0
1.3
0.5
0.5
1.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.5
1.8
3.3
4.9
5.7
3.0
2.8
3.4
5.1
3.5
4.0
3.7
2.9
4.8
1.5
1.8
3.3
4.9
5.7
3.0
2.8
3.4
5.1
3.5
4.0
3.7
2.9
4.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.9
2.3
4.8
5.6
5.4
3.4
3.4
5.0
4.1
4.4
4.7
4.4
4.3
5.4
1.9
2.3
4.8
5.6
5.4
3.4
3.4
5.0
4.1
4.4
4.7
4.4
4.3
5.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National
Compensation Survey, 2010—Continued
Allow non-emergency services
outside network
Plan network
Require primary care physician
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
No
Not
determinable
Yes
No
Not
determinable
Yes
No
Not
determinable
0.6
0.6
1.4
0.9
1.0
1.5
0.6
–
–
0.9
–
–
–
–
–
–
–
–
2.4
3.1
3.3
1.3
1.8
2.3
2.4
3.1
3.3
1.3
1.8
2.3
–
–
–
–
–
–
2.3
2.6
4.7
2.2
2.0
3.4
2.3
2.6
4.7
2.2
2.0
3.4
–
–
–
–
–
–
1.0
1.3
0.6
3.0
0.7
3.3
0.3
6.3
1.1
–
–
0.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.5
2.2
3.0
3.6
2.0
4.2
1.9
6.8
5.5
5.5
2.2
3.0
–
2.0
–
1.9
6.8
5.5
–
–
–
–
–
–
–
–
–
5.0
2.7
6.0
3.5
3.3
–
1.8
4.0
4.6
5.0
2.7
6.0
3.5
3.3
2.9
1.8
4.0
4.6
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 3. Medical care benefits: Summary of high deductible1 and consumer-driven health plans,2 private
industry workers, National Compensation Survey, 2010
(All workers participating in medical care plans = 100 percent)
Characteristics
High
deductible
health plans
Non-high
deductible health
plans3
Consumer-driven
health plans2
Consumer-driven
Non-consumerhealth plans with a
driven health
high deductible
plans
component
Worker characteristic
All workers ........................................................................
24
76
11
89
10
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 .............................
24
26
22
19
27
24
28
24
31
19
24
24
24
76
74
78
81
73
76
72
76
69
81
76
76
76
11
11
10
–
13
10
15
6
–
–
11
10
–
89
89
90
–
87
90
85
94
–
–
89
90
–
10
11
10
–
13
9
14
6
–
–
11
10
–
Full time ............................................................................
Part time ............................................................................
25
15
75
85
11
7
89
93
11
6
Union .................................................................................
Nonunion ...........................................................................
8
27
92
73
5
12
95
88
5
11
Average wage within the following categories:4
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
32
25
26
19
19
68
75
74
81
81
13
9
12
10
11
87
91
88
90
89
–
9
12
10
10
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
23
38
19
77
62
81
10
–
11
90
–
89
10
11
10
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
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 ............................
25
23
22
17
27
27
26
32
26
27
23
16
28
75
77
78
83
73
73
74
68
74
73
77
84
72
11
10
–
–
19
19
18
24
10
9
–
7
9
89
90
–
–
81
81
82
76
90
91
–
93
91
10
10
–
9
18
17
16
23
10
9
–
7
9
Establishment characteristic
See footnotes at end of table.
Table 3. Medical care benefits: Summary of high deductible1 and consumer-driven health plans,2 private
industry workers, National Compensation Survey, 2010—Continued
(All workers participating in medical care plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
High
deductible
health plans
Non-high
deductible health
plans3
Consumer-driven
health plans2
Consumer-driven
Non-consumerhealth plans with a
driven health
high deductible
plans
component
34
35
34
17
21
13
66
65
66
83
79
87
14
13
16
9
10
7
86
87
84
91
90
93
14
13
16
8
10
7
22
11
22
28
35
20
38
28
16
78
89
78
72
65
80
62
72
84
6
–
14
16
14
6
–
–
9
94
–
86
84
86
94
–
–
91
6
–
13
15
13
–
–
–
9
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 A high deductible health plan (HDHP) is a health plan which typically has a
higher deductible and lower premium than a traditional health plan. An individual
plan must have a minimum deductible of $1,000 to be classified as a HDHP.
Normally the plan includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket expenses. The
estimates for HDHP plans should not be compared with data from previous years
due to changes in the definition.
2 A consumer-driven health plan (CDHP) is a health plan that combines a
major-medical health policy that provides protection from catastrophic medical
expenses with a tax-favored account to pay routine health care expenses such as
prescriptions and doctor’s visits.
3 Non-high deductible plans include not determinable and other plans, which
may actually be high-deductible plans.
4 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 3. Standard errors for medical care benefits: Summary of high deductible1 and consumer-driven health
plans,2 private industry workers, National Compensation Survey, 2010
Characteristics
High
deductible
health plans
Non-high
deductible health
plans3
Consumer-driven
health plans2
Consumer-driven
Non-consumerhealth plans with a
driven health
high deductible
plans
component
Worker characteristic
All workers ........................................................................
1.2
1.2
1.0
1.0
1.0
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 .............................
2.5
2.8
3.1
3.2
1.8
2.9
2.3
3.4
6.2
3.3
2.9
2.9
5.7
2.5
2.8
3.1
3.2
1.8
2.9
2.3
3.4
6.2
3.3
2.9
2.9
5.7
1.5
1.5
1.9
–
1.4
2.1
1.9
1.5
–
–
2.4
2.1
–
1.5
1.5
1.9
–
1.4
2.1
1.9
1.5
–
–
2.4
2.1
–
1.5
1.4
1.9
–
1.4
2.0
1.9
1.5
–
–
2.4
2.1
–
Full time ............................................................................
Part time ............................................................................
1.2
3.2
1.2
3.2
1.1
1.5
1.1
1.5
1.1
1.5
Union .................................................................................
Nonunion ...........................................................................
1.4
1.3
1.4
1.3
1.2
1.2
1.2
1.2
1.1
1.1
Average wage within the following categories:4
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.1
2.1
1.9
1.9
2.7
4.1
2.1
1.9
1.9
2.7
4.0
1.4
1.2
1.5
2.5
4.0
1.4
1.2
1.5
2.5
–
1.4
1.2
1.5
2.5
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.2
5.1
2.6
2.2
5.1
2.6
1.6
–
2.1
1.6
–
2.1
1.5
3.2
2.0
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
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 ............................
1.5
2.7
4.6
3.9
3.3
3.0
5.4
4.5
3.6
4.3
5.1
3.3
5.0
1.5
2.7
4.6
3.9
3.3
3.0
5.4
4.5
3.6
4.3
5.1
3.3
5.0
1.2
2.5
–
–
2.9
2.6
4.6
3.8
2.5
2.3
–
2.1
2.6
1.2
2.5
–
–
2.9
2.6
4.6
3.8
2.5
2.3
–
2.1
2.6
1.2
2.5
–
2.2
2.9
2.4
4.6
3.6
2.5
2.3
–
2.1
2.6
Establishment characteristic
See footnotes at end of table.
Table 3. Standard errors for medical care benefits: Summary of high deductible1 and consumer-driven health
plans,2 private industry workers, National Compensation Survey, 2010—Continued
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
High
deductible
health plans
Non-high
deductible health
plans3
Consumer-driven
health plans2
Consumer-driven
Non-consumerhealth plans with a
driven health
high deductible
plans
component
2.1
1.9
4.8
1.2
2.1
1.9
2.1
1.9
4.8
1.2
2.1
1.9
2.2
2.7
4.1
0.8
1.3
0.9
2.2
2.7
4.1
0.8
1.3
0.9
2.1
2.6
4.1
0.8
1.3
0.9
3.7
2.2
3.1
2.5
3.4
6.0
2.3
6.8
2.3
3.7
2.2
3.1
2.5
3.4
6.0
2.3
6.8
2.3
1.7
–
2.7
4.0
2.0
1.9
–
–
1.7
1.7
–
2.7
4.0
2.0
1.9
–
–
1.7
1.7
–
2.6
3.2
2.0
–
–
–
1.5
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 A high deductible health plan (HDHP) is a health plan which typically has a
higher deductible and lower premium than a traditional health plan. An individual
plan must have a minimum deductible of $1,000 to be classified as a HDHP.
Normally the plan includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket expenses. The
estimates for HDHP plans should not be compared with data from previous years
due to changes in the definition.
2 A consumer-driven health plan (CDHP) is a health plan that combines a
major-medical health policy that provides protection from catastrophic medical
expenses with a tax-favored account to pay routine health care expenses such as
prescriptions and doctor’s visits.
3 Non-high deductible plans include not determinable and other plans, which
may actually be high-deductible plans.
4 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
NOTE: 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/glossary20102011.htm.
Table 4. Non-high deductible health plans:1 Amount of annual individual deductible, private industry workers, National Compensation
Survey, 2010
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
100
76
$150
$250
$300
$500
$500
24
(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 .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
76
78
75
66
78
85
75
76
77
75
80
79
80
–
150
100
–
200
250
150
200
200
150
150
200
150
–
250
200
–
250
300
250
250
250
250
250
250
250
–
300
300
–
350
350
300
300
400
300
300
300
350
–
500
500
–
500
500
500
500
500
500
500
500
500
–
500
600
–
500
500
500
500
500
600
650
500
700
24
22
24
34
22
15
25
24
–
25
20
20
20
(2)
(2)
(2)
–
(2)
2
( )
–
–
–
–
2
( )
2
( )
–
Full time ............................................................................
Part time ............................................................................
100
100
76
81
150
150
250
250
300
350
500
500
500
500
24
–
(2)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
73
77
150
200
200
250
250
350
400
500
500
500
27
23
–
(2)
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
81
77
75
75
77
250
150
150
–
150
250
250
250
–
250
350
350
300
–
300
500
500
500
–
500
650
500
500
–
600
19
23
25
25
22
–
(2)
–
(2)
1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
77
70
78
200
200
200
250
200
250
300
300
300
500
500
500
500
500
500
23
30
21
1
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
76
83
85
73
68
70
69
73
84
69
69
62
69
150
150
200
200
150
150
200
150
200
–
–
200
–
250
250
250
250
250
250
300
250
250
–
–
250
–
350
350
350
300
300
300
500
300
350
–
–
300
–
500
500
500
500
500
500
500
500
500
–
–
500
–
500
550
–
500
500
500
750
500
750
–
–
500
–
24
17
15
27
32
30
31
27
16
31
31
38
31
(2)
–
–
–
(2)
(2)
–
(2)
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 4. Non-high deductible health plans:1 Amount of annual individual deductible, private industry workers, National Compensation
Survey, 2010—Continued
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
100
100
100
100
100
100
71
71
73
79
83
75
$200
200
200
150
200
100
$250
300
250
250
250
200
$350
400
350
300
300
300
$500
500
500
500
500
500
$500
600
500
500
500
550
28
29
25
21
17
25
(2)
(2)
2
–
–
–
100
100
100
100
100
100
100
100
100
63
70
81
83
83
91
89
68
63
200
–
–
200
250
–
150
–
200
250
–
–
250
250
–
250
–
250
250
–
–
350
350
–
400
–
300
500
–
–
500
500
–
500
–
500
750
–
–
750
700
–
600
–
500
36
30
18
17
17
–
11
32
37
1
–
1
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Non-high deductible plans include not determinable and other plans, which may actually be
high-deductible plans.
2 Less than 0.5.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 4. Standard errors for non-high deductible health plans:1 Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2010
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
1.3
$49
$0
$44
$0
$76
1.3
0.1
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 .............................
2.0
2.0
2.7
3.0
2.5
2.4
3.4
3.5
7.0
4.3
2.3
2.4
3.5
–
28
0
–
0
17
40
63
0
75
33
43
0
–
14
74
–
0
0
0
37
60
42
0
0
0
–
42
50
–
0
0
29
87
86
39
61
52
68
–
0
34
–
0
0
0
0
0
0
0
0
0
–
181
162
–
0
0
20
20
0
169
141
203
176
2.0
2.2
2.7
3.0
2.5
2.4
3.4
3.5
–
4.3
2.3
2.3
3.5
0.3
0.4
0.2
–
(2)
2
( )
–
–
–
–
0.2
0.4
–
Full time ............................................................................
Part time ............................................................................
1.2
6.4
47
75
0
51
22
0
0
125
92
59
1.3
–
0.1
–
Union .................................................................................
Nonunion ...........................................................................
2.2
1.5
63
71
0
0
0
34
60
0
28
106
2.2
1.5
–
0.2
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.3
2.9
2.5
1.6
2.3
64
49
57
–
44
61
0
0
–
26
10
42
37
–
0
0
0
0
–
0
193
0
0
–
178
4.3
2.9
2.5
1.6
2.4
–
0.1
–
0.3
0.6
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.0
6.6
2.1
50
60
53
0
53
0
0
92
0
0
0
0
40
0
97
2.0
6.6
2.1
0.6
–
0.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
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 ............................
1.5
1.6
2.7
6.7
3.5
3.5
3.3
6.9
4.6
3.8
3.8
2.8
4.6
66
46
75
28
55
22
91
51
33
–
–
89
–
0
0
0
61
0
17
14
10
0
–
–
0
–
58
0
96
51
24
67
47
10
72
–
–
91
–
0
0
0
54
0
0
0
127
0
–
–
52
–
126
188
–
20
39
114
71
0
59
–
–
59
–
1.5
1.6
2.7
6.7
3.5
3.5
3.3
6.9
4.6
3.8
3.8
2.8
4.6
(2)
–
–
–
(2)
(2)
–
0.1
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 4. Standard errors for non-high deductible health plans:1 Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2010—Continued
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
2.7
3.4
4.5
1.6
2.2
2.4
$10
64
0
71
0
0
$42
59
14
17
0
67
$73
114
52
0
74
44
$0
0
0
0
0
98
$116
190
0
84
95
115
2.7
3.4
4.2
1.6
2.2
2.4
0.4
(2)
1.4
–
–
–
10.2
2.2
3.1
2.8
2.3
3.5
2.0
7.7
3.4
28
–
–
22
34
–
20
–
35
0
–
–
50
65
–
43
–
0
56
–
–
35
97
–
60
–
10
225
–
–
0
0
–
0
–
0
41
–
–
156
58
–
208
–
0
9.5
2.2
3.4
2.8
2.3
–
2.0
7.7
3.4
0.7
–
0.7
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Non-high deductible plans include not determinable and other plans, which may actually be
high-deductible plans.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 5. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2010
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ........................................................................
94
6
(1)
77
23
–
81
17
2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
95
96
94
88
100
95
98
93
96
96
95
94
93
96
5
4
5
–
–
–
–
–
4
–
–
6
7
–
(1)
(1)
(1)
–
–
–
–
–
–
–
–
(1)
(1)
–
76
78
74
78
76
78
87
74
81
71
90
77
82
71
24
22
26
22
–
22
13
26
19
29
10
23
18
29
–
–
–
–
–
–
–
–
–
–
–
–
–
–
80
79
81
78
83
83
87
81
85
76
92
81
83
79
16
17
15
–
–
16
12
18
15
–
8
17
14
21
4
4
4
–
–
(1)
(1)
(1)
1
–
(1)
2
3
(1)
Full time ............................................................................
Part time ............................................................................
94
91
6
–
(1)
–
77
78
23
22
–
–
82
80
16
–
2
–
Union .................................................................................
Nonunion ...........................................................................
88
95
12
5
–
(1)
72
78
28
22
–
–
77
82
21
16
2
2
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
93
95
94
94
94
–
5
6
6
5
–
(1)
–
(1)
1
80
80
76
75
75
20
20
24
25
25
–
–
–
–
–
82
85
79
80
81
18
14
19
16
16
(1)
1
2
4
3
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
94
97
93
5
–
6
1
–
1
82
74
84
18
26
16
–
–
–
85
81
85
11
18
10
4
2
4
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
94
97
99
94
94
88
89
90
85
96
93
92
92
94
6
3
–
–
–
12
11
10
–
–
7
–
8
6
(1)
–
–
–
–
1
( )
1
( )
–
–
–
–
–
–
–
76
81
73
69
78
77
78
80
74
71
73
67
62
74
24
19
27
–
22
23
22
20
26
29
27
33
38
26
–
–
–
–
–
–
–
–
–
–
–
–
–
–
80
84
77
83
80
82
83
80
84
79
77
73
64
77
18
16
22
–
–
17
17
20
16
21
18
26
34
17
1
(1)
1
( )
–
–
1
1
( )
–
1
–
5
1
2
6
Establishment characteristic
See footnotes at end of table.
Table 5. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
97
97
96
92
94
91
3
–
–
8
6
9
(1)
–
–
–
–
–
73
73
73
80
81
78
27
27
27
20
19
22
–
–
–
–
–
–
79
76
87
83
85
81
19
21
–
16
14
17
3
3
–
1
1
2
91
89
94
93
96
94
98
93
94
–
11
5
–
4
–
2
–
6
–
–
1
–
–
–
–
–
–
54
62
84
87
77
74
80
77
87
46
38
16
–
23
26
20
–
13
–
–
–
–
–
–
–
–
–
59
61
83
87
89
95
81
79
88
39
38
13
12
11
–
–
–
–
2
1
4
(1)
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 5. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National Compensation
Survey, 2010
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ........................................................................
0.9
0.8
0.1
1.6
1.6
–
1.4
1.7
0.9
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
0.7
0.8
0.8
4.5
0.4
2.1
0.7
3.1
1.2
1.8
1.6
1.3
1.8
1.7
0.7
0.8
0.8
–
–
–
–
–
1.2
–
–
1.3
1.8
–
0.3
0.3
0.3
–
–
–
–
–
–
–
–
0.2
0.4
–
2.4
2.4
3.3
3.8
13.0
1.9
2.9
2.3
3.7
7.4
2.5
3.6
3.8
6.2
2.4
2.4
3.3
3.8
–
1.9
2.9
2.3
3.7
7.4
2.5
3.6
3.8
6.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.6
2.4
3.4
6.9
12.8
2.0
2.7
2.6
3.2
6.9
2.1
3.5
3.7
5.9
1.7
2.0
2.4
–
–
2.2
2.8
2.7
3.2
–
2.1
3.5
3.6
5.9
2.5
1.8
3.0
–
–
0.2
0.2
0.2
0.4
–
0.1
1.1
2.0
(1)
Full time ............................................................................
Part time ............................................................................
0.6
6.9
0.6
–
0.1
–
1.7
4.3
1.7
4.3
–
–
1.3
7.0
1.6
–
1.0
–
Union .................................................................................
Nonunion ...........................................................................
3.4
0.8
3.4
0.8
–
0.1
4.6
1.7
4.6
1.7
–
–
4.1
1.4
4.2
1.7
1.1
1.0
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.4
1.0
1.0
0.9
1.0
–
1.0
1.0
0.8
0.7
–
0.1
–
0.3
0.6
4.3
2.3
1.7
2.4
3.6
4.3
2.3
1.7
2.4
3.6
–
–
–
–
–
5.2
1.9
2.6
2.2
2.7
5.2
1.9
2.5
1.8
2.3
(1)
0.3
1.1
1.8
1.6
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.2
1.6
1.5
1.1
–
1.4
0.5
–
0.7
2.7
5.4
3.3
2.7
5.4
3.3
–
–
–
2.5
5.2
3.3
2.2
4.7
2.7
2.0
1.3
2.6
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.1
0.8
0.6
2.6
2.6
2.5
2.8
2.2
6.4
3.8
1.6
3.3
1.7
1.9
1.1
0.8
–
–
–
2.5
2.8
2.2
–
–
1.6
–
1.7
1.9
(1)
–
–
–
–
(1)
(1)
–
–
–
–
–
–
–
2.0
3.0
6.0
10.6
6.4
3.7
3.2
3.8
6.5
4.8
3.9
7.2
4.3
4.8
2.0
3.0
6.0
–
6.4
3.7
3.2
3.8
6.5
4.8
3.9
7.2
4.3
4.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.8
3.0
6.6
11.5
7.1
2.5
2.7
4.5
4.4
5.1
4.6
5.0
4.2
5.6
2.1
3.0
6.5
–
–
2.4
2.7
4.5
4.4
5.1
3.0
5.1
4.2
3.6
1.0
0.1
0.3
–
–
0.9
(1)
–
0.1
–
4.5
0.6
1.1
5.4
Establishment characteristic
See footnotes at end of table.
Table 5. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National Compensation
Survey, 2010—Continued
Annual deductible
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
0.6
0.9
1.8
1.3
1.9
2.0
0.5
–
–
1.3
1.9
2.0
0.3
–
–
–
–
–
3.2
3.5
6.3
1.9
2.2
2.5
3.2
3.5
6.3
1.9
2.2
2.5
–
–
–
–
–
–
2.3
3.2
3.8
2.0
2.1
3.1
2.9
4.0
–
2.0
2.1
2.9
2.0
2.7
–
0.7
0.2
1.6
3.3
2.8
1.7
2.4
1.0
3.3
0.2
8.2
1.5
–
2.8
1.5
–
1.0
–
0.2
–
1.5
–
–
0.7
–
–
–
–
–
–
7.8
4.1
2.9
4.1
4.0
7.7
5.7
7.1
1.5
7.8
4.1
2.9
–
4.0
7.7
5.7
–
1.5
–
–
–
–
–
–
–
–
–
6.7
4.9
2.9
3.4
2.2
1.6
2.1
6.9
6.0
6.8
5.1
2.9
3.5
2.2
–
–
–
–
1.5
0.2
2.5
0.3
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 6. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey, 2010
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Worker characteristic
All workers ........................................................................
100
94
–
–
51
$500
$1,000
$300
–
6
(1)
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
95
96
94
88
100
95
98
93
96
96
95
94
93
96
–
–
–
–
–
–
60
–
–
–
47
–
–
–
–
–
–
–
–
–
$350
–
–
–
500
–
–
–
56
59
54
55
81
47
–
52
49
53
–
51
52
50
500
500
500
–
–
500
–
500
500
–
–
500
500
500
1,000
1,000
800
–
–
1,000
–
1,000
–
–
–
1,000
1,000
–
300
300
300
–
–
300
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5
4
5
–
–
–
–
–
4
–
–
6
7
–
(1)
(1)
(1)
–
–
–
–
–
–
–
–
(1)
1
( )
–
Full time ............................................................................
Part time ............................................................................
100
100
94
91
–
47
–
350
52
44
500
500
1,000
500
300
300
–
–
6
–
(1)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
88
95
–
–
–
–
49
52
250
500
500
1,000
–
300
–
–
12
5
–
(1)
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
93
95
94
94
94
47
–
–
–
–
500
–
–
–
–
–
51
51
55
55
–
500
500
500
500
–
1,000
1,000
750
800
–
–
300
300
–
–
–
–
–
–
–
5
6
6
5
–
(1)
–
(1)
1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
94
97
93
–
39
–
–
500
–
55
58
54
500
–
500
1,000
–
800
–
–
300
–
–
–
5
–
6
1
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
94
97
99
94
94
88
89
90
85
96
93
92
92
94
–
52
–
37
48
–
–
–
–
38
–
–
–
46
–
350
–
–
–
–
–
–
–
–
–
–
–
1,000
50
–
53
56
–
49
50
49
45
58
49
55
66
48
500
–
500
500
–
500
500
500
–
–
500
500
500
500
1,000
–
–
500
–
900
900
–
–
1,000
1,000
–
500
1,000
300
–
–
100
–
–
–
–
–
–
250
400
400
250
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6
3
–
–
–
12
11
10
–
–
7
–
8
6
(1)
–
–
–
–
(1)
1
( )
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 6. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
100
100
100
100
100
100
97
97
96
92
94
91
–
–
–
–
48
–
–
–
–
–
$350
–
54
55
53
50
–
54
–
–
$500
500
–
500
–
$1,500
1,000
1,000
–
600
–
–
–
$250
–
250
–
–
–
–
–
–
3
–
–
8
6
9
(1)
–
–
–
–
–
100
100
100
100
100
100
100
100
100
91
89
94
93
96
94
98
93
94
38
–
–
–
–
–
–
–
61
–
–
–
–
–
–
–
–
–
53
60
51
50
55
51
56
55
–
–
300
500
750
650
–
–
500
–
–
500
1,000
–
1,500
–
1,000
–
–
–
–
250
–
–
300
–
300
–
–
–
–
–
–
–
–
–
–
–
11
5
–
4
–
2
–
6
–
–
1
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States, 2009." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 6. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2010
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Worker characteristic
All workers ........................................................................
0.9
–
–
2.0
$0
$0
$0
–
0.8
0.1
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
0.7
0.8
0.8
4.5
0.4
2.1
0.7
3.1
1.2
1.8
1.6
1.3
1.8
1.7
–
–
–
–
–
–
3.6
–
–
–
5.9
–
–
–
–
–
–
–
–
–
$0
–
–
–
110
–
–
–
3.1
3.2
4.2
6.4
9.7
2.9
–
3.6
5.1
8.1
–
4.1
3.9
7.3
0
20
0
–
–
10
–
139
0
–
–
10
88
0
195
0
193
–
–
0
–
0
–
–
–
63
0
–
35
83
47
–
–
28
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.7
0.8
0.8
–
–
–
–
–
1.2
–
–
1.3
1.8
–
0.3
0.3
0.3
–
–
–
–
–
–
–
–
0.2
0.4
–
Full time ............................................................................
Part time ............................................................................
0.6
6.9
–
6.2
–
0
2.0
6.3
0
68
0
116
0
44
–
–
0.6
–
0.1
–
Union .................................................................................
Nonunion ...........................................................................
3.4
0.8
–
–
–
–
5.0
2.2
46
10
0
0
–
10
–
–
3.4
0.8
–
0.1
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.4
1.0
1.0
0.9
1.0
5.4
–
–
–
–
107
–
–
–
–
–
2.9
3.2
2.6
3.6
–
0
78
0
0
–
0
0
137
224
–
–
17
46
–
–
–
–
–
–
–
1.0
1.0
0.8
0.7
–
0.1
–
0.3
0.6
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.2
1.6
1.5
–
7.0
–
–
0
–
2.8
7.1
3.4
0
–
0
211
–
186
–
–
0
–
–
–
1.1
–
1.4
0.5
–
0.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.1
0.8
0.6
2.6
2.6
2.5
2.8
2.2
6.4
3.8
1.6
3.3
1.7
1.9
–
2.8
–
9.6
7.9
–
–
–
–
5.8
–
–
–
6.3
–
78
–
–
–
–
–
–
–
–
–
–
–
287
2.4
–
5.6
8.9
–
3.9
3.7
4.8
6.2
5.6
5.5
7.3
5.3
6.4
0
–
0
94
–
28
103
107
–
–
53
84
39
56
0
–
–
71
–
179
201
–
–
209
93
–
44
116
10
–
–
0
–
–
–
–
–
–
68
44
44
61
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.1
0.8
–
–
–
2.5
2.8
2.2
–
–
1.6
–
1.7
1.9
(2)
–
–
–
–
(2)
(2)
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 6. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2010—Continued
With deductible
With fixed deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
0.6
0.9
1.8
1.3
1.9
2.0
–
–
–
–
3.0
–
–
–
–
–
$0
–
3.5
3.9
6.2
2.1
–
2.5
–
–
$20
0
–
50
–
$437
142
152
–
110
–
–
–
$35
–
46
–
–
–
–
–
–
0.5
–
–
1.3
1.9
2.0
0.3
–
–
–
–
–
3.3
2.8
1.7
2.4
1.0
3.3
0.2
8.2
1.5
8.9
–
–
–
–
–
–
–
8.9
–
–
–
–
–
–
–
–
–
11.4
6.3
2.7
3.8
3.8
6.8
3.6
11.2
–
–
47
0
72
138
–
–
34
–
–
0
0
–
272
–
173
–
–
–
–
75
–
–
60
–
0
–
–
–
–
–
–
–
–
–
–
–
2.8
1.5
–
1.0
–
0.2
–
1.5
–
–
0.7
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the estimates
published in the "National Compensation Survey: Occupational Earnings in the United States, 2009." See
Technical Note for more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions
of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 7. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey, 2010
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
100
94
$200
$300
$500
$1,000
$2,000
6
(1)
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
95
96
94
88
100
95
98
93
96
96
95
94
93
96
200
200
250
250
–
250
250
250
200
–
200
200
200
–
300
300
300
300
–
300
350
300
250
–
250
300
250
–
500
500
500
500
–
500
350
500
500
–
500
500
500
–
1,250
1,250
1,400
1,000
–
1,000
1,000
1,200
1,000
–
750
1,000
1,000
–
2,000
2,100
2,000
2,500
–
2,300
2,000
2,500
2,000
–
1,500
2,500
2,000
–
5
4
5
–
–
–
–
–
4
–
–
6
7
–
(1)
(1)
(1)
–
–
–
–
–
–
–
–
(1)
(1)
–
Full time ............................................................................
Part time ............................................................................
100
100
94
91
200
250
300
300
500
350
1,100
750
2,000
2,000
6
–
(1)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
88
95
150
250
200
300
300
500
500
1,200
1,000
2,500
12
5
–
(1)
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
93
95
94
94
94
250
250
200
200
200
350
300
300
250
250
500
500
500
500
500
1,500
1,000
1,100
1,000
1,000
2,500
2,000
2,000
2,000
2,000
–
5
6
6
5
–
(1)
–
(1)
1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
94
97
93
200
–
200
250
–
250
500
–
400
1,000
–
1,000
2,000
–
1,800
5
–
6
1
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
94
97
99
94
94
88
89
90
85
96
93
92
92
94
250
200
–
–
–
250
250
–
–
250
250
–
200
250
300
300
–
–
–
300
300
–
–
300
300
–
250
300
500
500
–
–
–
500
500
–
–
500
600
–
500
750
1,200
1,000
–
–
–
1,250
1,250
–
–
1,500
1,500
–
1,000
2,000
2,500
2,500
–
–
–
1,600
1,800
–
–
2,500
2,500
–
1,500
2,500
6
3
–
–
–
12
11
10
–
–
7
–
8
6
(1)
–
–
–
–
1
( )
(1)
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 7. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
100
100
100
100
100
100
97
97
96
92
94
91
$250
250
200
200
250
175
$350
400
300
250
250
250
$750
750
500
400
500
350
$1,500
1,500
1,500
880
1,000
750
$2,500
2,500
2,500
1,500
1,600
1,500
3
–
–
8
6
9
(1)
–
–
–
–
–
100
100
100
100
100
100
100
100
100
91
89
94
93
96
94
98
93
94
250
200
200
250
250
–
200
250
250
250
250
250
300
350
–
350
300
250
–
300
500
500
600
–
750
500
350
1,000
500
1,000
1,500
1,250
–
1,500
1,500
1,000
1,500
1,500
2,000
2,000
2,500
–
2,500
2,600
1,500
–
11
5
–
4
–
2
–
6
–
–
1
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 7. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2010
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
0.9
$52
$0
$0
$172
$455
0.8
0.1
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
0.7
0.8
0.8
4.5
0.4
2.1
0.7
3.1
1.2
1.8
1.6
1.3
1.8
1.7
40
5
63
54
–
10
0
57
0
–
87
37
49
–
45
57
42
65
–
0
45
0
60
–
0
67
60
–
0
0
63
63
–
0
159
0
0
–
125
0
0
–
313
273
319
69
–
167
136
188
77
–
114
216
0
–
29
546
0
500
–
457
490
537
620
–
463
601
491
–
0.7
0.8
0.8
–
–
–
–
–
1.2
–
–
1.3
1.8
–
0.3
0.3
0.3
–
–
–
–
–
–
–
–
0.2
0.4
–
Full time ............................................................................
Part time ............................................................................
0.6
6.9
40
0
10
0
0
14
145
216
613
502
0.6
–
0.1
–
Union .................................................................................
Nonunion ...........................................................................
3.4
0.8
14
0
0
0
64
0
0
115
240
469
3.4
0.8
–
0.1
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.4
1.0
1.0
0.9
1.0
0
43
20
0
14
65
0
10
17
62
86
0
0
0
0
384
0
192
70
248
0
115
526
130
595
–
1.0
1.0
0.8
0.7
–
0.1
–
0.3
0.6
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.2
1.6
1.5
0
–
22
14
–
10
0
–
159
0
–
249
78
–
364
1.1
–
1.4
0.5
–
0.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.1
0.8
0.6
2.6
2.6
2.5
2.8
2.2
6.4
3.8
1.6
3.3
1.7
1.9
37
45
–
–
–
28
64
–
–
35
0
–
64
0
0
67
–
–
–
0
14
–
–
34
14
–
14
31
0
0
–
–
–
0
75
–
–
164
258
–
123
358
154
34
–
–
–
171
163
–
–
86
709
–
278
648
587
615
–
–
–
315
364
–
–
424
340
–
416
254
1.1
0.8
–
–
–
2.5
2.8
2.2
–
–
1.6
–
1.7
1.9
(2)
–
–
–
–
(2)
(2)
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2010—Continued
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
0.6
0.9
1.8
1.3
1.9
2.0
$0
31
64
0
69
47
$57
116
60
0
35
0
$146
168
153
95
133
68
$488
617
519
211
130
140
$62
28
260
56
180
166
0.5
–
–
1.3
1.9
2.0
0.3
–
–
–
–
–
3.3
2.8
1.7
2.4
1.0
3.3
0.2
8.2
1.5
0
0
0
66
0
–
58
0
34
73
0
31
10
0
–
67
45
33
–
42
0
0
152
–
304
209
135
29
111
208
357
340
–
451
612
270
279
377
318
115
240
–
408
162
636
–
2.8
1.5
–
1.0
–
0.2
–
1.5
–
–
0.7
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey, 2010
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Worker characteristic
All workers ........................................................................
100
90
–
–
50
$1,200
$2,000
–
–
10
(1)
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
90
92
88
86
99
92
96
91
90
89
91
89
88
91
–
–
–
–
–
–
58
–
–
–
47
–
–
–
–
–
–
–
–
–
$700
–
–
–
1,000
–
–
–
54
58
52
55
80
46
–
51
45
51
–
49
50
47
1,000
1,200
1,000
1,000
750
1,400
–
–
1,500
–
–
1,500
1,500
1,500
2,000
2,000
1,600
3,800
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
8
11
–
–
–
–
–
10
–
–
11
12
9
(1)
(1)
(1)
–
–
–
–
–
–
–
–
(1)
(1)
–
Full time ............................................................................
Part time ............................................................................
100
100
90
89
–
46
–
700
50
43
–
1,000
2,000
1,500
$800
900
–
–
10
–
(1)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
82
91
–
–
–
–
46
51
750
1,500
1,000
3,000
–
–
–
–
18
8
–
(1)
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
91
92
88
90
92
45
–
–
–
–
–
–
–
–
–
–
50
49
53
54
–
–
1,500
1,000
1,000
–
–
2,500
1,800
1,900
–
–
900
600
600
–
–
–
–
–
–
8
12
10
7
–
(1)
–
(1)
1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
91
91
91
–
35
–
–
–
–
54
56
52
–
2,000
1,000
2,000
–
1,900
–
–
900
–
–
–
8
–
8
1
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
90
92
94
87
94
87
88
89
83
91
87
91
91
86
–
49
–
36
48
–
–
–
–
36
–
–
–
39
–
900
–
–
–
–
–
–
–
–
–
–
–
–
49
–
50
51
–
48
50
49
45
55
48
54
65
47
1,200
–
1,050
1,500
–
1,200
–
–
–
–
–
–
1,200
–
2,000
–
3,000
1,500
–
2,000
2,000
2,000
3,000
2,000
2,000
–
1,200
–
–
–
–
–
–
–
–
–
–
–
600
800
800
600
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
8
–
–
–
13
12
11
–
–
–
–
9
–
(1)
–
–
–
–
(1)
1
( )
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
100
100
100
100
100
100
91
91
91
89
90
89
–
–
–
–
46
–
–
–
–
–
$800
–
53
54
51
48
–
53
$1,500
1,700
–
1,000
–
1,000
–
$3,800
–
2,000
–
1,600
–
–
–
$600
–
–
–
–
–
–
–
–
9
–
–
11
10
11
(1)
–
–
–
–
–
100
100
100
100
100
100
100
100
100
82
88
93
93
93
93
84
92
90
38
–
–
–
–
–
–
–
59
–
–
–
–
–
–
–
–
900
44
59
51
50
53
51
52
54
–
–
600
–
1,500
1,700
–
–
–
–
–
1,000
2,000
3,000
3,750
–
–
–
–
–
–
600
–
–
750
–
600
–
–
–
–
–
–
–
–
–
–
–
12
7
–
7
–
–
–
10
–
–
1
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States, 2009." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation
Survey, 2010
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Worker characteristic
All workers ........................................................................
1.3
–
–
1.9
$318
$232
–
–
1.2
0.1
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.5
1.8
3.1
4.5
1.0
2.1
1.1
3.0
2.3
3.8
2.8
2.2
3.0
2.6
–
–
–
–
–
–
3.8
–
–
–
5.9
–
–
–
–
–
–
–
–
–
$40
–
–
–
103
–
–
–
2.8
3.2
3.7
6.4
9.7
2.9
–
3.6
4.9
8.0
–
4.2
3.9
7.3
77
329
55
179
170
312
–
–
161
–
–
0
238
0
28
592
329
1,121
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.5
1.8
3.1
–
–
–
–
–
2.3
–
–
2.1
3.0
2.6
0.3
0.3
0.3
–
–
–
–
–
–
–
–
0.2
0.4
–
Full time ............................................................................
Part time ............................................................................
1.2
6.8
–
6.1
–
118
1.8
6.2
–
88
567
326
$222
103
–
–
1.2
–
0.1
–
Union .................................................................................
Nonunion ...........................................................................
3.3
1.4
–
–
–
–
4.7
2.0
70
193
76
564
–
–
–
–
3.3
1.3
–
0.1
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.5
1.1
1.7
1.8
1.7
5.4
–
–
–
–
–
–
–
–
–
–
2.9
3.1
2.5
3.6
–
–
0
0
0
–
–
737
272
319
–
–
243
117
142
–
–
–
–
–
–
1.1
1.7
1.8
1.5
–
0.1
–
0.3
0.6
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.4
2.8
1.7
–
6.2
–
–
–
–
2.8
7.2
3.5
–
561
173
98
–
211
–
–
0
–
–
–
1.3
–
1.5
0.5
–
0.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.6
1.5
3.3
4.0
2.6
2.5
2.9
2.4
6.4
4.5
4.5
3.3
1.9
5.3
–
2.9
–
9.7
7.9
–
–
–
–
5.8
–
–
–
6.0
–
229
–
–
–
–
–
–
–
–
–
–
–
–
2.3
–
5.7
8.6
–
3.9
3.6
4.8
6.2
5.1
5.3
7.3
5.3
6.1
301
–
228
422
–
285
–
–
–
–
–
–
328
–
508
–
773
431
–
65
147
166
639
366
327
–
280
–
–
–
–
–
–
–
–
–
–
–
94
0
0
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.6
1.5
–
–
–
2.5
2.9
2.4
–
–
–
–
1.9
–
(2)
–
–
–
–
(2)
(2)
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation
Survey, 2010—Continued
With deductible
With fixed deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total with
deductible
Total with
fixed
deductible
Median
deductible
amount
With variable deductible
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
2.3
3.2
2.5
1.3
2.1
2.0
–
–
–
–
3.0
–
–
–
–
–
$146
–
3.3
3.4
6.2
2.0
–
2.5
$203
386
–
42
–
0
–
$787
–
0
–
140
–
–
–
$77
–
–
–
–
–
–
–
–
2.3
–
–
1.3
2.1
2.0
0.3
–
–
–
–
–
6.2
2.6
1.7
2.4
2.0
3.5
6.2
8.4
2.3
8.9
–
–
–
–
–
–
–
8.4
–
–
–
–
–
–
–
–
204
6.6
6.0
2.7
3.8
3.8
6.8
4.7
11.2
–
–
93
–
179
420
–
–
–
–
–
216
438
347
694
–
–
–
–
–
–
141
–
–
172
–
0
–
–
–
–
–
–
–
–
–
–
–
2.6
1.4
–
2.0
–
–
–
2.3
–
–
0.7
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may include workers
with earnings both above and below the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 9. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey, 2010
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
100
90
$500
$700
$1,000
$3,000
$5,000
10
(1)
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
90
92
88
86
99
92
96
91
90
89
91
89
88
91
500
450
500
500
–
500
500
500
500
–
500
450
500
450
600
600
600
700
–
700
700
600
750
–
600
700
700
700
1,050
1,050
1,050
1,000
–
1,000
1,000
1,250
1,050
–
1,000
1,000
1,000
1,500
3,000
3,000
3,000
2,000
–
3,000
2,300
3,000
2,250
–
2,000
3,000
3,000
3,000
4,200
4,500
4,000
5,000
–
5,000
4,500
5,000
5,000
–
3,000
5,000
4,800
5,000
10
8
11
–
–
–
–
–
10
–
–
11
12
9
(1)
(1)
(1)
–
–
–
–
–
–
–
–
(1)
(1)
–
Full time ............................................................................
Part time ............................................................................
100
100
90
89
500
500
650
700
1,050
750
3,000
1,600
5,000
4,000
10
–
(1)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
82
91
350
500
500
700
750
1,250
1,000
3,000
2,500
5,000
18
8
–
(1)
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
91
92
88
90
92
600
500
500
500
500
700
700
650
600
600
1,400
1,000
1,400
1,000
1,000
3,750
3,000
3,000
2,250
2,400
5,000
4,500
5,000
4,200
4,200
–
8
12
10
7
–
(1)
–
(1)
1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
91
91
91
450
400
450
600
750
600
1,000
2,000
1,000
2,500
4,000
2,000
4,500
6,000
4,000
8
–
8
1
–
1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
90
92
94
87
94
87
88
89
83
91
87
91
91
86
500
500
500
450
450
500
500
600
500
500
500
300
500
500
700
700
600
500
600
700
700
750
750
700
600
600
750
650
1,050
1,000
1,050
1,500
1,000
1,500
1,500
1,500
1,900
1,500
1,500
800
1,000
1,500
3,000
3,000
3,000
3,600
1,800
3,000
3,000
3,000
3,000
3,000
3,000
2,000
2,000
3,000
5,000
5,000
5,000
5,000
2,500
3,750
4,000
3,750
4,000
7,500
5,150
4,500
4,500
5,150
10
8
–
–
–
13
12
11
–
–
–
–
9
–
(1)
–
–
–
–
(1)
1
( )
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 9. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
100
100
100
100
100
100
91
91
91
89
90
89
$600
600
500
450
500
400
$750
800
750
600
700
600
$1,500
1,800
1,500
1,000
1,000
900
$3,750
3,600
4,000
2,000
–
2,000
$5,150
6,000
5,150
–
4,000
3,000
9
–
–
11
10
11
(1)
–
–
–
–
–
100
100
100
100
100
100
100
100
100
82
88
93
93
93
93
84
92
90
–
400
400
500
600
600
500
–
500
–
600
600
600
750
600
900
–
600
–
700
1,000
1,100
1,500
1,000
2,000
–
900
–
1,000
3,000
3,000
3,000
2,250
–
–
2,000
–
3,000
4,200
4,000
5,000
4,000
5,000
–
4,200
–
12
7
–
7
–
–
–
10
–
–
1
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 9. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2010
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristic
All workers ........................................................................
1.3
$0
$115
$55
$170
$477
1.2
0.1
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.5
1.8
3.1
4.5
1.0
2.1
1.1
3.0
2.3
3.8
2.8
2.2
3.0
2.6
0
68
0
17
–
0
44
0
44
–
35
59
84
51
10
69
5
126
–
55
0
99
121
–
92
62
77
100
295
213
386
128
–
45
102
392
491
–
10
463
0
176
305
170
576
763
–
367
783
170
942
–
207
128
621
880
445
782
331
1,144
–
360
569
251
1,294
–
1,172
335
473
310
2.5
1.8
3.1
–
–
–
–
–
2.3
–
–
2.1
3.0
2.6
0.3
0.3
0.3
–
–
–
–
–
–
–
–
0.2
0.4
–
Full time ............................................................................
Part time ............................................................................
1.2
6.8
0
0
94
92
178
202
78
566
353
220
1.2
–
0.1
–
Union .................................................................................
Nonunion ...........................................................................
3.3
1.4
46
0
71
0
77
356
80
0
699
68
3.3
1.3
–
0.1
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.5
1.1
1.7
1.8
1.7
94
0
24
80
40
10
28
97
0
0
465
71
361
0
10
620
749
98
173
344
1,021
380
417
412
1,153
–
1.1
1.7
1.8
1.5
–
0.1
–
0.3
0.6
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.4
2.8
1.7
65
115
74
81
134
40
0
597
111
522
1,517
509
370
555
462
1.3
–
1.5
0.5
–
0.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.6
1.5
3.3
4.0
2.6
2.5
2.9
2.4
6.4
4.5
4.5
3.3
1.9
5.3
0
33
67
0
77
0
50
48
90
88
0
106
59
44
78
0
175
68
0
139
110
291
148
138
144
191
92
147
207
26
362
363
270
450
205
382
468
362
145
238
190
258
139
789
1,096
1,462
398
354
342
211
559
812
558
724
806
1,039
394
542
0
707
28
436
372
492
320
2,574
1,308
1,197
952
2,227
1.6
1.5
–
–
–
2.5
2.9
2.4
–
–
–
–
1.9
–
(2)
–
–
–
–
(2)
(2)
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2010—Continued
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
2.3
3.2
2.5
1.3
2.1
2.0
$139
86
81
64
0
70
$181
225
154
0
49
62
$377
406
345
98
44
136
$718
700
1,016
128
–
251
$976
729
212
–
364
319
2.3
–
–
1.3
2.1
2.0
0.3
–
–
–
–
–
6.2
2.6
1.7
2.4
2.0
3.5
6.2
8.4
2.3
–
68
29
62
66
146
111
–
0
–
98
76
52
96
153
136
–
86
–
63
0
298
502
378
654
–
83
–
302
583
0
204
569
–
–
356
–
673
813
322
1,618
404
899
–
862
–
2.6
1.4
–
2.0
–
–
–
2.3
–
–
0.7
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 10. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2010
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
Total
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Worker characteristic
All workers ........................................................................
100
–
–
85
80
60
90
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
88
86
89
76
82
89
91
87
84
85
83
80
79
81
80
90
80
80
80
80
80
85
80
80
80
85
80
85
60
60
60
60
60
60
60
60
60
60
60
60
60
60
100
90
100
100
100
90
90
90
90
90
90
90
85
90
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
–
–
–
–
85
77
80
80
60
60
90
100
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
–
–
–
–
75
86
90
80
70
60
90
90
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
85
86
82
86
87
80
80
80
90
90
60
60
60
60
60
100
90
90
90
90
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
–
–
–
–
–
–
82
89
81
85
80
85
60
60
60
90
90
90
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
–
–
–
18
–
–
–
–
–
–
–
–
–
–
–
–
–
80
–
–
–
–
–
–
–
–
–
–
86
90
90
82
65
88
89
95
80
86
83
90
85
82
80
80
80
90
90
85
85
80
90
90
80
85
80
80
60
60
60
60
60
60
60
60
60
70
60
70
70
60
90
90
100
90
100
80
80
90
90
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 10. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Variable coinsurance
Median
coinsurance
percentage
With fixed
coinsurance
Median coinsurance percentage
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
100
100
100
100
100
100
–
12
–
–
–
–
–
80
–
–
–
–
87
88
86
83
84
82
80
80
85
80
80
85
60
60
60
60
60
60
90
80
100
90
90
90
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
–
–
–
–
–
–
6
–
–
–
–
–
–
–
–
80
–
–
85
85
82
82
86
86
94
79
83
90
90
80
80
80
80
80
80
80
70
70
60
60
60
60
60
60
60
100
100
90
80
100
90
90
80
90
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 10. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2010
Fixed coinsurance
Characteristics
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Worker characteristic
All workers ........................................................................
–
–
1.6
0.0
0.0
1.4
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.4
3.7
2.4
7.3
11.1
2.7
2.2
3.9
3.2
5.5
3.8
2.8
3.9
3.5
6.5
7.0
2.4
0.0
2.8
0.0
0.0
7.0
0.0
5.3
0.0
6.3
7.3
8.6
0.0
2.0
0.0
0.0
2.8
0.0
0.0
0.0
1.7
2.0
7.0
0.0
6.5
0.0
10.3
0.0
2.0
1.4
0.0
0.0
7.3
0.0
0.0
15.3
4.4
4.4
21.2
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
–
–
–
–
1.5
9.1
0.0
0.0
0.0
3.9
0.0
0.0
–
–
Union .................................................................................
Nonunion ...........................................................................
–
–
–
–
3.3
1.7
0.0
0.0
5.4
0.0
5.9
1.0
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
–
–
–
–
–
–
–
–
–
–
4.4
1.8
3.1
2.2
2.9
0.0
0.0
0.0
1.0
1.7
0.0
0.0
0.0
0.0
2.0
4.8
0.0
4.4
0.0
0.0
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
–
–
–
–
–
–
3.1
4.4
3.8
6.7
6.7
4.9
0.0
0.0
1.7
0.0
14.7
2.0
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
–
–
–
5.0
–
–
–
–
–
–
–
–
–
–
–
–
–
11.0
–
–
–
–
–
–
–
–
–
–
2.1
1.6
3.5
5.0
9.5
2.3
2.2
1.6
5.2
6.0
5.0
2.8
3.8
5.8
0.0
0.0
9.2
5.1
0.0
5.4
5.2
0.0
2.9
0.0
0.0
9.6
2.6
0.0
0.0
0.0
3.0
9.6
9.5
0.0
0.0
0.0
6.2
11.1
0.0
2.0
1.4
8.1
5.6
2.2
20.8
0.0
7.6
4.8
11.6
2.8
0.0
11.8
0.0
7.3
7.3
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2010—Continued
Fixed coinsurance
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With fixed
coinsurance
Variable coinsurance
Median
coinsurance
percentage
Median coinsurance percentage
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
–
3.4
–
–
–
–
–
0.0
–
–
–
–
2.7
3.4
3.3
1.9
2.2
3.6
5.2
3.8
8.6
0.0
0.0
5.1
0.0
0.0
0.0
0.0
0.0
1.4
11.6
13.6
14.9
1.0
0.0
5.3
–
–
–
–
–
–
–
–
–
–
–
–
1.6
–
–
–
–
–
–
–
–
0.0
–
–
4.0
4.3
2.8
5.0
3.7
5.5
1.6
9.3
7.2
9.1
0.0
0.0
0.0
0.0
6.6
7.3
9.9
0.0
9.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.6
0.0
10.9
0.0
0.0
7.6
1.4
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 11. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National Compensation
Survey, 2010
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ........................................................................
100
81
$1,000
$1,250
$2,000
$2,500
$3,750
17
2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
79
78
80
78
83
83
87
81
85
76
92
81
83
79
1,000
1,000
1,000
1,000
–
1,000
1,150
1,000
750
–
–
850
750
1,000
1,250
1,250
1,250
1,500
–
1,300
1,600
1,200
1,050
–
–
1,000
1,000
1,250
1,750
1,750
1,750
1,750
–
2,000
2,000
2,000
2,000
–
–
1,750
1,700
2,000
2,500
2,600
2,500
2,650
–
2,500
2,500
2,500
3,000
–
–
2,500
2,000
2,750
3,800
4,000
3,600
3,600
–
3,500
4,000
3,000
4,000
–
–
4,000
4,000
4,000
16
18
15
–
–
17
12
19
15
–
8
17
14
21
4
4
4
–
–
(1)
1
( )
(1)
1
–
1
( )
2
3
1
( )
Full time ............................................................................
Part time ............................................................................
100
100
81
80
1,000
1,000
1,200
1,500
2,000
2,000
2,500
2,400
3,825
3,000
17
–
2
–
Union .................................................................................
Nonunion ...........................................................................
100
100
77
82
650
1,000
1,000
1,350
1,500
2,000
2,100
2,500
3,500
3,825
21
16
2
2
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
82
85
78
80
80
1,200
1,000
1,000
1,000
1,000
1,500
1,250
1,200
1,000
1,050
2,000
2,000
2,000
1,750
1,750
2,600
2,500
2,700
2,500
2,500
4,000
3,500
4,000
3,750
4,000
18
14
20
17
16
(1)
1
2
4
3
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
85
81
85
825
1,000
800
1,000
1,500
1,000
1,700
2,000
1,650
2,500
3,000
2,200
3,650
4,500
3,000
11
18
10
4
2
4
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
80
84
77
83
80
80
80
77
81
79
77
73
64
77
1,000
1,000
–
1,000
500
1,000
1,000
–
1,000
1,000
1,000
800
750
1,000
1,250
1,500
–
1,000
1,000
1,200
1,250
–
1,200
1,200
1,250
1,000
1,000
1,500
2,000
2,000
–
1,500
1,250
2,000
2,000
–
1,500
1,750
1,700
1,050
1,500
1,750
2,500
3,000
–
2,750
2,500
2,500
2,500
–
2,500
2,500
2,400
1,750
2,000
2,400
3,800
4,500
–
3,500
3,500
3,500
–
–
3,000
4,000
3,000
2,500
3,000
3,000
19
16
22
–
–
19
20
23
18
21
18
26
34
17
1
(1)
(1)
–
–
1
(1)
–
1
–
5
1
2
6
Establishment characteristic
See footnotes at end of table.
Table 11. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National Compensation
Survey, 2010—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
100
100
100
100
100
78
75
86
83
85
80
$1,000
1,000
1,000
900
1,000
750
$1,500
1,500
1,500
1,200
1,250
1,000
$2,000
2,000
2,000
2,000
2,000
1,700
$2,600
2,650
2,500
2,500
2,500
2,500
$4,000
4,000
3,500
3,500
3,600
3,500
19
21
–
16
14
17
3
3
–
1
1
2
100
100
100
100
100
100
100
100
100
59
61
83
87
89
95
81
79
88
1,000
750
750
750
1,000
1,000
1,000
1,000
1,000
1,200
1,100
1,000
1,250
1,500
1,350
1,200
1,500
1,500
2,000
1,700
1,500
1,750
2,000
1,750
2,000
2,000
2,000
3,000
2,000
2,500
2,500
2,750
2,700
2,800
2,500
2,700
–
3,000
3,500
3,250
4,000
4,800
5,000
3,500
4,000
39
39
13
13
11
–
–
–
–
2
1
4
(1)
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 11. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry
workers, National Compensation Survey, 2010
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ........................................................................
1.4
$0
$70
$0
$63
$346
1.7
0.9
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.6
2.5
3.4
6.9
12.8
2.0
2.7
2.6
3.2
6.9
2.1
3.5
3.7
5.9
0
0
71
49
–
0
144
0
131
–
–
146
80
0
114
86
198
240
–
189
184
127
285
–
–
162
39
211
120
176
157
283
–
0
0
72
0
–
–
230
59
0
233
236
215
273
–
0
214
55
69
–
–
0
381
306
434
427
781
780
–
280
664
341
387
–
–
524
917
1,065
1.7
2.0
2.3
–
–
2.2
2.8
2.8
3.2
–
2.1
3.5
3.6
5.9
2.5
1.8
3.0
–
–
0.2
0.2
0.2
0.4
–
0.1
1.1
2.0
(1)
Full time ............................................................................
Part time ............................................................................
1.3
7.0
22
0
45
0
56
0
132
287
318
59
1.6
–
1.0
–
Union .................................................................................
Nonunion ...........................................................................
4.0
1.4
78
0
0
177
326
0
286
182
461
356
4.2
1.7
1.1
1.0
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
5.2
1.9
2.6
2.1
2.7
257
0
113
193
207
112
175
42
59
172
0
0
208
87
128
215
0
207
44
114
574
153
432
374
626
5.2
1.9
2.5
1.7
2.3
(1)
0.3
1.1
1.8
1.6
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.5
5.2
3.3
164
49
72
45
507
0
55
715
167
0
824
178
446
582
309
2.2
4.7
2.7
2.0
1.3
2.6
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.8
3.0
6.6
11.5
7.1
2.8
2.9
4.8
4.6
5.1
4.6
5.0
4.2
5.6
0
0
–
245
168
102
0
–
0
450
63
121
188
26
131
207
–
0
42
92
156
–
134
260
306
0
0
116
0
0
–
396
164
103
20
–
247
216
107
366
597
261
164
81
–
267
816
100
53
–
261
258
102
177
190
129
362
746
–
450
380
653
–
–
409
1,255
49
211
589
202
2.1
3.0
6.6
–
–
2.6
2.9
4.8
4.6
5.1
3.0
5.1
4.2
3.6
1.0
0.1
0.3
–
–
0.9
(1)
–
0.1
–
4.5
0.6
1.1
5.4
Establishment characteristic
See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry
workers, National Compensation Survey, 2010—Continued
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
2.3
3.2
3.6
2.0
2.1
3.1
$0
0
225
147
20
130
$129
339
0
41
163
0
$0
0
147
170
0
179
$161
322
134
34
100
28
$277
427
832
172
435
285
3.0
4.0
–
2.0
2.1
2.9
2.0
2.7
–
0.7
0.2
1.6
6.8
4.7
2.9
3.5
2.2
1.6
2.3
6.9
6.0
0
147
10
88
0
358
371
200
0
84
183
0
248
98
262
308
315
62
386
37
164
238
0
278
0
20
0
499
193
235
130
340
608
290
298
318
–
129
261
495
392
721
1,196
613
1,141
6.8
4.9
2.9
3.6
2.2
–
–
–
–
1.5
0.2
2.5
0.3
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 12. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation
Survey, 2010
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ........................................................................
100
76
$2,000
$2,750
$4,000
$6,000
$8,000
22
2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
77
76
77
70
82
80
83
78
78
71
84
73
78
67
2,000
2,000
2,000
2,000
–
2,000
2,300
2,000
1,500
–
1,100
1,600
1,500
2,000
2,500
2,500
2,500
3,000
–
3,000
3,500
2,800
2,500
–
2,250
2,500
2,000
3,000
3,500
3,800
3,500
4,000
–
4,000
4,000
4,000
4,000
–
4,000
4,000
3,300
4,000
5,500
5,500
6,000
5,500
–
5,250
5,000
5,300
6,700
–
6,000
6,000
5,000
7,000
8,000
8,000
8,000
9,750
–
7,500
8,500
7,000
9,000
–
8,000
7,950
7,000
9,000
19
19
19
–
–
20
17
21
21
–
16
26
19
33
4
4
4
–
–
(1)
1
( )
(1)
1
–
1
( )
2
3
1
( )
Full time ............................................................................
Part time ............................................................................
100
100
77
72
2,000
2,500
2,500
3,000
4,000
4,000
6,000
5,250
8,000
6,450
21
28
2
–
Union .................................................................................
Nonunion ...........................................................................
100
100
65
78
1,100
2,000
1,950
3,000
3,000
4,000
5,000
6,000
7,000
8,000
33
20
2
2
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
75
80
73
76
79
2,400
2,000
1,800
2,000
2,000
3,100
3,000
2,800
2,400
2,400
4,000
4,000
4,000
3,600
3,750
6,000
5,500
6,000
5,400
5,400
9,000
7,950
8,000
8,000
8,000
25
19
25
20
18
(1)
1
2
4
3
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
82
76
83
1,600
2,000
1,500
2,000
3,000
2,000
3,700
4,000
3,300
5,250
6,000
5,000
8,000
10,000
7,000
14
22
12
4
2
4
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
75
76
75
61
78
77
77
71
79
76
72
73
64
72
2,000
2,500
–
–
–
1,800
2,000
2,000
2,000
–
2,000
–
1,200
2,000
3,000
3,700
–
–
–
3,000
3,000
3,000
2,500
–
3,000
–
2,000
3,000
4,000
4,000
–
–
–
3,800
4,000
4,000
3,300
–
3,400
–
3,000
3,500
6,000
6,000
–
–
–
5,000
5,000
5,000
5,000
–
5,100
–
4,500
5,500
8,000
9,000
–
–
–
6,000
6,000
7,400
6,000
–
7,500
–
7,500
7,500
24
24
24
39
–
22
23
29
20
24
23
26
35
23
1
(1)
(1)
–
–
1
(1)
–
1
–
5
1
2
6
Establishment characteristic
See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation
Survey, 2010—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
100
100
100
100
100
74
71
81
78
80
75
$2,000
2,000
2,000
1,800
2,000
1,500
$3,000
3,000
3,000
2,500
3,000
2,000
$4,000
4,000
4,000
4,000
4,000
3,400
$6,000
6,000
5,400
5,500
5,800
5,250
$9,000
9,000
8,000
7,500
7,500
7,650
24
26
–
21
19
23
3
3
–
1
1
2
100
100
100
100
100
100
100
100
100
58
59
78
86
83
94
72
76
79
2,000
1,500
1,500
1,500
2,000
–
1,950
2,000
2,000
3,000
2,250
2,000
2,500
3,000
–
2,600
3,400
3,000
4,000
3,400
3,000
4,000
4,000
–
4,000
4,000
4,000
6,000
4,400
5,000
5,300
6,000
–
6,000
6,000
6,000
8,660
6,000
7,000
7,400
8,000
–
9,000
7,500
9,000
40
40
18
13
17
–
–
–
–
2
1
4
1
( )
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers,
National Compensation Survey, 2010
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ........................................................................
1.4
$0
$350
$0
$669
$224
1.6
0.9
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.6
2.4
3.3
7.1
12.9
2.1
3.0
2.6
3.5
6.7
3.9
3.8
4.2
5.9
0
20
20
116
–
0
314
0
333
–
496
211
310
120
265
114
444
541
–
0
359
452
779
–
855
395
99
333
444
435
405
566
–
0
0
39
151
–
151
196
249
902
561
294
824
743
–
213
519
343
1,069
–
0
826
484
554
466
442
631
1,178
–
378
699
335
1,043
–
735
594
972
1,763
1.7
2.0
2.4
–
–
2.3
3.1
2.8
3.5
–
3.9
3.8
4.2
5.9
2.5
1.8
3.0
–
–
0.2
0.2
0.2
0.4
–
0.1
1.1
2.0
(1)
Full time ............................................................................
Part time ............................................................................
1.3
6.8
84
502
268
487
20
0
519
332
323
404
1.6
6.8
1.0
–
Union .................................................................................
Nonunion ...........................................................................
4.0
1.4
153
0
208
0
115
0
318
367
1,124
523
4.2
1.7
1.1
1.0
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.4
2.0
2.6
2.1
2.7
148
0
256
383
495
375
78
401
405
403
39
0
179
427
459
292
603
375
285
355
1,191
616
336
577
746
4.4
2.0
2.5
1.8
2.3
(1)
0.3
1.1
1.8
1.6
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.6
4.9
3.4
190
450
159
283
742
267
484
392
232
482
1,675
110
670
2,490
417
2.3
5.0
2.8
2.0
1.3
2.6
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.7
3.0
6.6
9.6
7.4
3.1
3.5
6.2
5.1
5.2
4.5
5.1
4.2
5.4
0
528
–
–
–
339
245
234
311
–
20
–
514
0
39
463
–
–
–
350
396
151
600
–
513
–
697
28
0
110
–
–
–
316
217
113
379
–
183
–
130
343
391
202
–
–
–
157
194
265
312
–
361
–
364
781
285
664
–
–
–
754
922
884
2,670
–
104
–
1,520
206
2.0
3.0
6.6
9.6
–
3.0
3.5
6.2
5.0
5.2
3.2
5.1
4.2
3.8
1.0
0.1
0.3
–
–
0.9
(1)
–
0.1
–
4.5
0.6
1.1
5.4
Establishment characteristic
See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers,
National Compensation Survey, 2010—Continued
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
2.2
2.9
3.8
2.0
2.3
3.0
$0
0
98
236
0
237
$0
0
0
73
193
198
$0
0
172
66
0
264
$215
0
836
323
607
360
$1,066
827
1,020
399
427
424
2.8
3.7
–
2.0
2.3
2.9
2.0
2.7
–
0.7
0.2
1.6
7.2
5.0
3.3
3.4
3.0
1.8
2.7
6.6
4.4
166
0
290
226
0
–
602
735
245
381
261
0
573
0
–
544
652
55
391
230
484
578
0
–
0
948
554
1,190
421
455
429
172
–
826
613
421
1,195
1,219
236
1,247
245
–
501
1,061
1,438
7.2
5.1
3.4
3.4
3.0
–
–
–
–
1.5
0.2
2.5
0.3
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 13. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2010
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ........................................................................
44
56
–
21
79
–
56
44
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
47
41
50
38
–
44
36
46
37
–
38
44
51
35
53
59
50
62
–
56
64
54
63
67
62
56
49
65
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
14
–
–
–
17
19
17
23
31
–
21
26
–
77
86
73
80
94
83
81
83
77
69
82
79
74
85
–
–
–
–
–
–
–
–
–
–
–
–
–
–
48
55
45
55
–
65
76
61
65
72
62
59
61
58
52
45
55
45
–
35
24
39
35
–
38
41
39
42
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
43
45
57
55
–
–
20
–
80
67
–
–
57
50
43
50
–
–
Union .................................................................................
Nonunion ...........................................................................
37
45
63
55
–
–
12
22
88
78
–
–
41
59
59
41
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
57
43
41
42
39
43
57
59
58
61
–
–
–
–
–
–
23
20
–
–
68
77
80
82
83
–
–
–
–
–
53
59
63
50
46
47
41
37
50
54
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
38
–
40
62
68
60
–
–
–
23
32
22
77
68
78
–
–
–
66
81
59
34
–
41
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
45
42
53
–
36
35
32
25
65
52
48
46
29
49
55
58
47
76
64
65
68
75
35
48
52
54
71
51
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
14
–
–
–
14
16
24
–
–
–
–
–
–
80
86
93
80
84
86
84
76
91
98
67
93
92
62
–
–
–
–
–
–
–
–
–
–
–
–
–
–
54
67
82
54
–
59
47
57
28
53
46
53
48
–
46
33
–
46
68
41
53
43
72
47
54
47
52
55
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 13. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2010—Continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
38
36
45
48
54
44
62
64
55
52
46
56
–
–
–
–
–
–
14
14
–
–
24
–
86
86
88
74
76
72
–
–
–
–
–
–
66
69
60
48
61
40
34
31
40
52
39
60
–
–
–
–
–
–
51
43
57
50
61
65
46
32
17
–
57
–
50
39
–
54
68
83
–
–
–
–
–
–
–
–
–
–
8
–
33
23
–
–
23
15
96
92
–
67
77
92
96
77
85
–
–
–
–
–
–
–
–
–
–
42
–
58
69
56
72
65
83
59
58
65
42
31
44
–
35
17
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 13. Standard errors for health maintenance organizations: Summary of selected features, private industry workers, National
Compensation Survey, 2010
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristic
All workers ........................................................................
4.1
4.1
–
4.9
4.9
–
4.6
4.6
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
6.9
6.2
9.0
9.1
–
4.1
6.7
5.4
6.6
–
9.3
5.8
6.6
7.4
6.9
6.2
9.0
9.1
–
4.1
6.7
5.4
6.6
12.2
9.3
5.8
6.6
7.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.1
–
–
–
3.6
4.8
4.7
5.8
7.4
–
4.0
6.5
–
9.0
3.1
12.1
7.1
3.0
3.6
4.8
4.7
5.8
7.4
7.4
4.0
6.5
5.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6.4
6.8
8.1
12.5
–
3.9
5.1
4.6
7.9
12.2
8.4
4.6
6.2
8.6
6.4
6.8
8.1
12.5
–
3.9
5.1
4.6
7.9
–
8.4
4.6
6.2
8.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
3.9
12.1
3.9
12.1
–
–
4.5
–
4.5
14.6
–
–
4.4
11.9
4.4
11.9
–
–
Union .................................................................................
Nonunion ...........................................................................
7.8
4.6
7.8
4.6
–
–
3.6
5.4
3.6
5.4
–
–
4.6
5.6
4.6
5.6
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
7.9
7.0
4.4
4.8
5.4
7.9
7.0
4.4
4.8
5.4
–
–
–
–
–
–
6.0
3.3
–
–
10.2
6.0
3.3
5.9
5.2
–
–
–
–
–
9.5
7.4
5.6
4.8
4.9
9.5
7.4
5.6
4.8
4.9
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
5.0
–
5.6
5.0
9.6
5.6
–
–
–
4.2
8.6
5.2
4.2
8.6
5.2
–
–
–
4.8
7.9
5.1
4.8
–
5.1
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
4.9
5.6
10.6
–
9.7
8.0
4.9
5.9
7.9
13.1
11.8
8.7
3.9
13.7
4.9
5.6
10.6
10.4
9.7
8.0
4.9
5.9
7.9
13.1
11.8
8.7
3.9
13.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.9
–
–
–
3.9
3.7
7.3
–
–
–
–
–
–
6.2
3.9
4.3
11.1
11.4
3.9
3.7
7.3
3.2
1.2
14.6
2.4
2.7
16.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.6
6.4
6.4
10.5
–
6.4
6.2
8.4
6.7
8.1
11.8
8.5
4.7
–
5.6
6.4
–
10.5
12.7
6.4
6.2
8.4
6.7
8.1
11.8
8.5
4.7
13.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 13. Standard errors for health maintenance organizations: Summary of selected features, private industry workers, National
Compensation Survey, 2010—Continued
Annual deductible
Characteristics
Yes
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
No
Coinsurance
Not
determinable
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
No
Not
determinable
5.0
6.6
6.9
6.0
4.2
10.2
5.0
6.6
6.9
6.0
4.2
10.2
–
–
–
–
–
–
2.8
3.4
–
–
5.6
–
2.8
3.4
4.6
8.4
5.6
13.0
–
–
–
–
–
–
6.0
5.8
10.5
5.6
5.7
8.0
6.0
5.8
10.5
5.6
5.7
8.0
–
–
–
–
–
–
15.0
4.3
16.7
8.6
3.8
14.9
10.4
4.1
4.3
–
4.3
–
8.6
3.8
–
10.4
4.1
4.3
–
–
–
–
–
–
–
–
–
–
1.4
–
6.4
5.9
–
–
5.0
3.2
2.8
1.4
–
6.4
5.9
6.1
3.2
5.0
3.2
–
–
–
–
–
–
–
–
–
–
10.5
–
7.1
5.0
7.6
11.1
6.7
2.4
12.5
10.5
14.1
7.1
5.0
7.6
–
6.7
2.4
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 14. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2010
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ........................................................................
100
56
$1,000
$1,500
$2,000
$3,000
$4,000
44
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
48
55
45
55
–
65
76
61
65
72
62
59
61
58
1,000
1,000
–
1,500
–
1,000
1,250
1,000
–
–
1,500
1,500
1,500
1,500
1,500
1,500
–
1,500
–
1,500
1,500
1,500
–
–
2,000
1,500
1,500
1,500
1,500
1,500
–
2,500
–
2,000
2,000
2,000
–
–
2,500
1,700
1,500
3,000
2,500
2,500
–
3,500
–
3,000
2,500
3,000
–
–
3,000
3,000
2,000
3,500
3,500
4,000
–
5,000
–
3,500
3,000
3,500
–
–
3,500
4,000
3,500
5,000
52
45
55
45
–
35
24
39
35
–
38
41
39
42
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
57
50
1,000
1,250
1,500
1,500
2,000
1,500
3,000
3,000
4,000
3,500
43
50
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
41
59
1,500
1,000
1,500
1,500
1,500
2,000
3,000
3,000
3,500
4,000
59
41
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
53
59
63
50
46
1,000
1,000
1,000
1,000
800
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,000
1,500
1,500
3,000
3,000
3,500
2,500
2,000
3,500
3,500
5,000
3,500
3,000
47
41
37
50
54
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
66
81
59
1,000
–
1,500
1,500
–
1,500
1,500
–
1,500
2,500
–
2,000
4,000
–
3,500
34
–
41
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
54
67
82
54
–
59
47
57
28
53
46
53
48
–
1,000
1,000
–
–
–
1,150
–
1,000
–
1,500
1,200
1,000
–
–
1,500
1,500
–
–
–
1,500
–
1,500
–
1,500
1,500
1,200
–
–
2,000
2,000
–
–
–
2,000
–
1,800
–
2,500
2,000
1,500
–
–
3,000
3,000
–
–
–
2,500
–
2,000
–
3,000
5,000
2,000
–
–
4,000
3,500
–
–
–
3,500
–
3,500
–
3,250
5,000
3,000
–
–
46
33
–
46
68
41
53
43
72
47
54
47
52
55
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 14. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2010—Continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
100
100
100
100
100
66
69
60
48
61
40
$1,250
1,200
1,500
1,000
1,000
1,000
$1,500
1,500
1,500
1,500
1,500
1,500
$2,500
2,000
2,500
1,500
1,500
1,500
$3,000
3,500
3,000
2,650
3,000
2,000
$5,000
5,000
3,000
3,500
4,000
3,000
34
31
40
52
39
60
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
–
42
–
58
69
56
72
65
83
–
1,250
–
1,500
1,000
–
1,000
–
1,500
–
1,500
–
1,500
1,500
–
1,250
–
1,500
–
2,500
–
1,700
2,000
–
1,500
–
2,000
–
5,000
–
2,000
3,000
–
2,000
–
3,000
–
5,000
–
2,000
3,500
–
3,000
–
3,500
59
58
65
42
31
44
–
35
17
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 14. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private
industry workers, National Compensation Survey, 2010
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
Worker characteristic
All workers ........................................................................
4.6
$78
$0
$0
$84
$1,062
4.6
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
6.4
6.8
8.1
12.5
–
3.9
5.1
4.6
7.9
12.2
8.4
4.6
6.2
8.6
0
260
–
0
–
293
216
339
–
–
0
380
665
139
225
0
–
392
–
0
49
0
–
–
629
0
0
139
184
240
–
383
–
0
49
100
–
–
428
409
147
881
439
907
–
1,468
–
650
384
432
–
–
310
613
114
733
1,551
1,422
–
0
–
354
0
0
–
–
537
977
931
537
6.4
6.8
8.1
12.5
–
3.9
5.1
4.6
7.9
–
8.4
4.6
6.2
8.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
4.4
11.9
63
69
0
0
0
537
120
643
1,151
450
4.4
11.9
–
–
Union .................................................................................
Nonunion ...........................................................................
4.6
5.6
681
77
0
0
517
0
475
126
572
1,226
4.6
5.6
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
9.5
7.4
5.6
4.8
4.9
310
90
206
228
292
49
0
0
0
196
646
49
541
495
0
219
207
643
242
59
1,423
392
996
519
0
9.5
7.4
5.6
4.8
4.9
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
4.8
7.9
5.1
230
–
219
0
–
0
177
–
0
546
–
150
673
–
991
4.8
–
5.1
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
5.6
6.4
6.4
10.5
–
6.4
6.2
8.4
6.7
8.1
11.8
8.5
4.7
–
197
0
–
–
–
349
–
433
–
0
217
254
–
–
0
322
–
–
–
329
–
69
–
0
0
159
–
–
100
460
–
–
–
0
–
319
–
941
495
110
–
–
0
0
–
–
–
616
–
249
–
325
1,796
39
–
–
1,534
0
–
–
–
1,659
–
933
–
290
0
452
–
–
5.6
6.4
–
10.5
12.7
6.4
6.2
8.4
6.7
8.1
11.8
8.5
4.7
13.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 14. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private
industry workers, National Compensation Survey, 2010—Continued
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
6.0
5.8
10.5
5.6
5.7
8.0
$121
157
0
55
269
0
$0
0
0
0
98
0
$653
582
481
205
444
114
$537
613
481
379
49
295
$1,144
519
996
240
854
658
6.0
5.8
10.5
5.6
5.7
8.0
–
–
–
–
–
–
–
10.5
–
7.1
5.0
7.6
11.1
6.7
2.4
–
500
–
0
245
–
0
–
404
–
0
–
0
85
–
486
–
0
–
416
–
40
109
–
0
–
130
–
2,102
–
334
129
–
971
–
572
–
0
–
527
177
–
310
–
1,560
12.5
10.5
14.1
7.1
5.0
7.6
–
6.7
2.4
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 15. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National
Compensation Survey, 2010
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ........................................................................
100
54
$2,000
$3,000
$4,000
$6,000
$7,500
46
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
44
52
41
52
–
63
76
59
65
72
62
58
59
56
2,000
2,000
2,000
3,000
–
2,250
2,250
2,000
2,000
–
3,000
3,000
2,500
3,000
3,000
3,000
2,500
3,000
–
3,000
3,000
3,000
3,000
–
4,000
3,000
3,000
3,000
3,000
3,000
3,000
5,000
–
4,000
4,000
4,000
6,000
–
6,000
4,000
3,000
6,000
5,000
4,000
5,000
6,500
–
6,000
6,000
6,000
7,500
–
7,500
6,000
4,350
8,000
6,000
6,000
6,000
15,000
–
7,000
7,500
7,000
9,000
–
9,000
9,400
5,000
10,000
56
48
59
48
–
37
24
41
35
–
38
42
41
44
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
54
50
2,000
2,250
3,000
3,000
4,000
3,000
6,000
6,000
7,500
7,000
46
50
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
41
56
2,500
2,000
3,000
3,000
3,000
4,000
6,000
6,000
8,000
7,500
59
44
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
52
56
60
48
46
2,000
2,000
2,000
2,000
1,600
3,000
3,000
3,000
3,000
3,000
5,000
4,000
4,500
3,000
3,000
6,500
6,000
7,000
5,000
4,000
9,000
7,500
9,000
6,500
6,000
48
44
40
52
54
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
64
81
56
2,000
–
2,500
3,000
–
3,000
3,000
–
3,000
6,000
–
4,350
7,500
–
6,000
36
–
44
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
51
67
82
54
–
58
46
56
28
53
39
53
48
37
2,000
2,000
–
2,000
–
2,500
–
2,000
–
3,000
–
2,400
–
2,500
3,000
3,000
–
3,000
–
3,000
–
3,000
–
3,000
–
2,400
–
3,000
4,000
4,000
–
6,000
–
4,000
–
4,000
–
5,000
–
3,000
–
4,000
6,000
7,000
–
7,000
–
6,000
–
6,000
–
6,000
–
4,500
–
6,000
7,500
7,500
–
7,500
–
9,400
–
7,000
–
6,500
–
6,000
–
15,000
49
33
–
46
68
42
54
44
72
47
61
47
52
63
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 15. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National
Compensation Survey, 2010—Continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
100
100
100
100
100
61
62
60
48
60
40
$2,400
2,400
2,500
2,000
2,000
2,000
$3,000
3,000
3,000
3,000
3,000
3,000
$4,500
4,000
5,000
3,000
3,500
3,000
$6,000
7,000
6,000
6,000
6,000
4,800
$7,500
9,000
7,000
7,500
9,000
7,000
39
38
40
52
40
60
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
–
32
–
58
69
56
72
65
83
–
2,000
–
3,000
2,250
–
2,000
–
2,500
–
3,000
–
3,000
3,000
–
2,500
–
3,000
–
5,000
–
4,000
4,400
–
3,000
–
4,000
–
6,000
–
4,350
6,000
–
6,000
–
7,000
–
9,000
–
4,350
9,000
–
7,500
–
9,000
60
68
65
42
31
44
–
35
17
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 15. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry
workers, National Compensation Survey, 2010
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristic
All workers ........................................................................
4.0
$186
$0
$0
$0
$821
4.0
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
5.9
5.0
7.6
10.2
–
4.0
5.1
4.9
7.9
12.2
8.4
4.5
6.5
8.3
0
491
0
196
–
309
0
626
643
–
0
636
728
0
608
310
592
963
–
0
0
0
460
–
1,613
0
0
687
0
98
59
754
–
98
0
440
620
–
439
580
481
1,373
245
1,090
471
2,263
–
277
1,478
339
580
–
589
1,316
459
1,642
0
1,320
0
5,909
–
721
1,843
0
0
–
951
1,428
1,308
589
5.9
5.0
7.6
10.2
–
4.0
5.1
4.9
7.9
–
8.4
4.5
6.5
8.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
3.8
11.9
140
182
0
0
0
1,165
0
680
1,144
219
3.8
11.9
–
–
Union .................................................................................
Nonunion ...........................................................................
4.6
4.7
869
131
0
0
1,057
69
961
0
1,529
1,052
4.6
4.7
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
9.4
7.2
4.4
5.4
4.9
578
205
595
360
583
147
0
0
0
407
766
554
819
528
0
651
0
1,088
277
284
2,612
481
1,102
976
139
9.4
7.2
4.4
5.4
4.9
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
5.5
7.9
5.8
277
–
528
0
–
0
701
–
0
1,005
–
547
1,165
–
1,194
5.5
–
5.8
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
4.7
6.4
6.4
10.5
–
6.4
6.3
8.3
6.6
8.1
8.9
8.5
4.7
9.8
414
196
–
877
–
659
–
812
–
0
–
549
–
765
0
354
–
687
–
869
–
651
–
0
–
397
–
0
260
1,173
–
2,425
–
0
–
620
–
1,892
–
392
–
1,169
0
1,092
–
0
–
2,009
–
2,191
–
294
–
1,501
–
2,327
1,106
340
–
687
–
909
–
1,075
–
564
–
1,798
–
6,552
4.7
6.4
–
10.5
12.7
6.4
6.3
8.3
6.6
8.1
8.9
8.5
4.7
9.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 15. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry
workers, National Compensation Survey, 2010—Continued
Amount of out-of-pocket maximum
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
3.8
4.5
10.6
5.6
5.7
8.0
$168
207
680
126
471
0
$0
0
0
0
196
0
$835
874
855
510
981
277
$1,075
1,287
481
618
0
445
$1,249
2,104
1,061
1,079
1,210
340
3.8
4.5
10.6
5.6
5.7
8.0
–
–
–
–
–
–
–
4.6
–
7.1
5.0
7.6
11.1
6.7
2.3
–
855
–
0
164
–
0
–
620
–
450
–
166
0
–
971
–
0
–
1,000
–
260
1,859
–
537
–
310
–
1,127
–
97
636
–
2,222
–
1,034
–
1,531
–
1,088
1,494
–
2,052
–
3,821
12.4
4.6
14.0
7.1
5.0
7.6
–
6.7
2.3
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 16. High deductible health plans:1 Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2010
(All workers participating in high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
100
100
$1,000
$1,000
$1,500
$2,500
$3,000
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
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
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,100
1,000
1,500
1,000
1,000
–
1,000
1,140
1,000
1,250
1,500
1,500
1,500
2,000
1,500
1,600
1,500
2,000
–
1,500
1,500
1,500
1,500
2,000
2,500
2,000
2,500
2,500
2,500
2,500
2,500
–
2,000
2,500
2,500
2,500
2,600
2,750
2,600
4,000
2,850
3,000
2,600
4,000
–
2,500
3,000
3,000
2,500
Full time ............................................................................
Part time ............................................................................
100
100
100
100
1,000
–
1,000
–
1,500
–
2,500
–
3,000
–
Union .................................................................................
Nonunion ...........................................................................
100
100
100
100
1,000
1,000
1,250
1,000
1,500
1,500
2,000
2,500
2,500
3,000
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
100
100
100
100
1,000
1,000
1,000
1,000
1,000
1,250
1,000
1,000
1,150
1,150
2,000
1,500
1,500
1,500
1,500
2,500
2,500
2,500
2,000
2,500
3,000
3,000
3,000
2,600
2,600
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
100
100
100
1,000
1,000
1,000
1,000
1,000
1,000
1,500
2,000
1,500
2,250
2,500
2,250
3,000
3,000
3,000
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
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 ............................
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
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
1,000
1,100
1,140
1,500
1,000
1,100
1,000
1,150
1,000
–
1,000
1,000
1,000
1,000
1,500
1,500
2,000
1,200
1,500
1,500
1,500
1,250
–
2,000
1,500
1,500
2,000
2,500
2,500
2,500
1,250
2,000
1,600
1,600
1,600
–
2,500
2,000
2,500
2,500
2,750
2,500
2,500
2,000
2,250
2,500
2,250
2,000
–
2,600
2,500
5,000
2,600
Establishment characteristic
See footnotes at end of table.
Table 16. High deductible health plans:1 Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2010—Continued
(All workers participating in high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
100
100
100
100
100
100
100
100
100
100
100
100
$1,000
1,000
1,000
1,000
1,000
1,000
$1,140
1,100
1,250
1,000
1,000
1,000
$2,000
2,000
2,000
1,500
1,500
1,400
$2,500
2,500
2,500
2,000
2,000
2,000
$3,000
3,000
2,600
2,500
3,000
2,500
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
1,000
1,000
1,250
1,150
1,300
–
1,500
1,000
1,000
1,100
1,250
2,000
1,500
1,500
–
2,000
2,000
1,500
1,500
2,000
2,500
2,500
2,000
–
2,000
2,500
2,600
2,500
2,000
2,850
2,500
2,500
–
3,000
2,500
5,000
2,600
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 A high deductible health plan (HDHP) is a health plan which typically has a higher
deductible and lower premium than a traditional health plan. An individual plan must
have a minimum deductible of $1,000 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical expenses, but the
insured is responsible for routine out-of-pocket expenses. The estimates for HDHP
plans should not be compared with data from previous years due to changes in the
definition.
2 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 16. Standard errors for high deductible health plans:1 Amount of annual individual deductible,
private industry workers, National Compensation Survey, 2010
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
(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
$0
$130
$0
$55
$354
( )
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0
0
0
0
0
0
0
0
–
0
0
0
148
240
196
280
299
103
247
35
44
–
93
183
20
212
65
65
174
357
0
276
39
709
–
514
337
553
719
55
341
0
98
168
0
486
417
–
291
0
110
0
136
329
220
1,309
336
242
415
1,797
–
628
139
402
196
Full time ............................................................................
Part time ............................................................................
(2)
(2)
0
–
81
–
0
–
49
–
341
–
Union .................................................................................
Nonunion ...........................................................................
(2)
(2)
20
0
132
105
170
34
414
0
39
271
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
(2)
(2)
(2)
(2)
(2)
0
0
0
0
0
92
0
28
118
177
292
0
0
86
182
0
273
199
456
623
666
497
261
88
20
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
(2)
(2)
(2)
0
0
0
0
0
78
163
741
252
344
260
248
129
450
170
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
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)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0
0
235
0
0
0
0
0
–
0
0
0
0
121
123
316
123
161
122
227
78
–
39
281
286
98
0
139
555
42
0
105
78
29
–
533
339
0
349
44
0
0
302
193
434
526
154
–
523
448
1,110
387
329
69
0
196
345
384
342
475
–
145
1,187
1,241
121
Establishment characteristic
See footnotes at end of table.
Table 16. Standard errors for high deductible health plans:1 Amount of annual individual deductible,
private industry workers, National Compensation Survey, 2010—Continued
Amount of annual deductible
Characteristics
With
deductible
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
(2)
(2)
(2)
(2)
(2)
(2)
$0
0
0
0
0
0
$142
186
214
0
98
0
$271
347
394
0
0
195
$0
0
53
92
198
395
$93
42
208
144
554
0
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0
0
0
0
–
130
0
0
0
0
423
177
339
–
167
275
453
130
294
605
39
0
–
396
420
680
181
142
0
543
201
–
439
363
199
446
0
434
0
388
–
832
0
2,308
549
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 A high deductible health plan (HDHP) is a health plan which typically has a
higher deductible and lower premium than a traditional health plan. An individual
plan must have a minimum deductible of $1,000 to be classified as a HDHP.
Normally the plan includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket expenses. The
estimates for HDHP plans should not be compared with data from previous years
due to changes in the definition.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 17. Consumer-driven health plans:1 Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2010
(All workers participating in consumer-driven health plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
100
100
$1,100
$1,250
$1,650
$2,500
$2,600
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 .....................................................................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
1,100
1,000
1,100
1,000
950
1,000
1,400
1,250
1,200
1,200
1,250
1,200
1,250
1,500
1,250
1,500
1,500
1,500
1,500
1,700
1,500
1,500
2,000
1,500
2,500
2,250
2,000
2,500
2,500
2,000
2,500
2,500
2,500
2,500
2,500
2,500
2,600
2,850
2,600
2,600
2,850
2,600
4,000
2,500
3,000
Full time ............................................................................
Part time ............................................................................
100
100
100
100
1,100
1,200
1,300
1,250
1,800
1,500
2,500
2,300
2,600
2,500
Union .................................................................................
Nonunion ...........................................................................
100
100
100
100
1,000
1,100
1,250
1,500
1,500
1,800
2,500
2,500
2,500
2,600
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
100
100
100
100
1,200
1,200
1,000
1,000
1,150
1,250
1,500
1,250
1,250
1,250
2,300
1,600
1,600
1,600
1,800
2,500
2,500
2,500
2,500
2,600
2,500
3,000
2,600
2,600
2,600
Goods-producing industries ..............................................
Manufacturing ...............................................................
100
100
100
100
1,200
1,200
1,500
1,500
2,000
1,800
2,500
2,000
3,000
2,500
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
1,000
1,200
1,000
–
–
1,000
1,200
1,000
1,250
1,250
1,250
–
–
1,200
1,500
1,200
1,600
2,500
1,500
–
–
1,300
1,500
2,000
2,500
2,500
2,000
–
–
1,600
2,500
2,600
2,600
2,500
2,500
–
–
2,500
2,850
2,600
100
100
100
100
–
1,000
–
1,250
–
2,000
–
2,600
–
2,600
Establishment characteristic
See footnotes at end of table.
Table 17. Consumer-driven health plans:1 Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2010—Continued
(All workers participating in consumer-driven health plans = 100 percent)
Amount of annual deductible
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
100
100
100
100
100
100
100
100
100
100
100
100
$1,200
1,200
1,250
1,000
1,150
1,000
$1,500
1,500
1,500
1,250
1,250
1,200
$2,250
2,000
2,500
1,500
1,600
1,500
$2,500
2,500
2,600
2,000
2,150
1,800
$2,600
2,600
2,600
2,500
2,500
2,500
100
100
100
100
100
100
100
100
100
100
100
100
1,100
1,200
1,000
1,000
1,200
1,100
1,250
1,300
1,500
1,200
1,500
1,250
1,500
1,600
1,600
1,500
1,500
2,000
–
2,500
2,500
2,100
–
2,600
2,000
2,500
2,750
3,000
2,500
2,600
Geographic area
New England .....................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
Pacific ...............................................................................
1 A consumer-driven health plan (CDHP) is a health plan that combines a
major-medical health policy that provides protection from catastrophic medical
expenses with a tax-favored account to pay routine health care expenses such as
prescriptions and doctor’s visits.
2 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 17. Standard errors for consumer-driven health plans:1 Amount of annual individual deductible,
private industry workers, National Compensation Survey, 2010
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
(2)
$138
$239
$263
$0
$49
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 .....................................................................
2
( )
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
126
118
151
20
471
53
299
147
101
69
88
71
57
53
46
525
143
0
90
270
39
127
337
28
200
423
0
562
232
749
229
90
525
615
0
196
0
186
34
44
481
20
1,189
658
461
Full time ............................................................................
Part time ............................................................................
(2)
(2)
140
304
230
66
287
0
0
760
90
0
Union .................................................................................
Nonunion ...........................................................................
(2)
(2)
111
135
0
284
222
298
615
0
981
75
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
(2)
(2)
(2)
(2)
(2)
75
65
126
121
174
217
63
280
113
264
325
510
166
275
485
0
49
0
568
166
647
623
320
55
0
Goods-producing industries ..............................................
Manufacturing ...............................................................
(2)
(2)
29
67
0
235
150
283
282
203
449
507
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
117
138
382
–
–
68
320
73
71
139
130
–
–
126
0
276
234
470
114
–
–
212
286
808
0
0
58
–
–
147
320
62
48
0
303
–
–
577
266
0
(2)
(2)
–
39
–
384
–
858
–
0
–
0
Establishment characteristic
See footnotes at end of table.
Table 17. Standard errors for consumer-driven health plans:1 Amount of annual individual deductible,
private industry workers, National Compensation Survey, 2010—Continued
Amount of annual deductible
Characteristics
With
deductible
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
(2)
(2)
(2)
(2)
(2)
(2)
$44
236
130
35
58
0
$0
208
507
48
257
136
$411
326
219
0
86
39
$71
28
130
34
327
190
$337
337
503
0
79
319
(2)
(2)
(2)
(2)
(2)
(2)
237
44
90
0
103
129
0
301
0
89
256
356
120
309
488
0
0
583
–
39
560
381
–
100
827
0
366
546
460
555
Geographic area
New England .....................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
Pacific ...............................................................................
1 A consumer-driven health plan (CDHP) is a health plan that combines a
major-medical health policy that provides protection from catastrophic medical
expenses with a tax-favored account to pay routine health care expenses such
as prescriptions and doctor’s visits.
2 Less than 0.05.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
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/glossary20102011.htm.
Table 18. Outpatient prescription drug benefits:1 Type of coverage, private industry workers,
National Compensation Survey, 2010
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic drugs
Brand-name
drugs
Higher
reimbursement
for formulary
drugs
Mail order
drugs
Worker characteristic
All workers ........................................................................
100
99
82
78
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
96
100
99
98
99
99
99
99
99
100
99
80
83
79
78
88
83
89
80
79
78
79
85
85
86
79
81
78
74
84
79
81
78
80
79
81
78
73
84
Full time ............................................................................
Part time ............................................................................
100
100
99
100
82
77
79
78
Union .................................................................................
Nonunion ...........................................................................
100
100
100
99
86
81
75
79
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
99
99
98
100
100
84
80
79
84
86
77
79
78
79
80
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
99
99
99
86
78
88
78
80
77
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
100
100
100
100
100
100
99
100
100
100
100
100
100
100
99
99
99
100
100
98
99
100
100
100
97
99
100
96
80
89
95
88
79
76
79
69
86
82
75
85
80
74
79
83
84
79
63
79
77
79
74
80
73
84
78
71
Establishment characteristic
See footnotes at end of table.
Table 18. Outpatient prescription drug benefits:1 Type of coverage, private industry workers,
National Compensation Survey, 2010—Continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic drugs
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Brand-name
drugs
Higher
reimbursement
for formulary
drugs
Mail order
drugs
100
100
100
100
100
100
98
97
99
100
100
99
77
74
87
84
84
85
75
77
69
81
83
79
100
100
100
100
100
100
100
100
100
100
98
100
100
100
100
100
99
96
95
77
87
75
84
77
77
79
84
93
79
78
70
83
81
79
70
74
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Outpatient prescription drug benefits include both stand-alone
drug plans and prescription drug benefits included as part of a medical
plan.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings both
above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2009." See Technical Note
for more details.
NOTE: 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/glossary20102011.htm.
Table 18. Standard errors for outpatient prescription drug benefits:1 Type of coverage,
private industry workers, National Compensation Survey, 2010
Characteristics
Generic drugs
Brand-name
drugs
Mail order
drugs
Higher
reimbursement
for formulary
drugs
Worker characteristic
All workers ........................................................................
(2)
0.5
1.5
1.6
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
0.1
0.1
0.1
(2)
(2)
0.1
(2)
0.1
(2)
(2)
(2)
(2)
(2)
(2)
0.2
0.2
0.2
3.8
0.3
0.3
0.8
0.2
0.5
1.1
0.5
0.5
0.3
0.8
2.4
2.7
3.0
5.7
10.3
2.4
2.5
3.3
2.7
5.2
3.9
2.7
3.1
3.6
2.4
3.1
3.3
4.9
10.4
2.6
2.7
3.2
2.7
5.1
2.6
2.5
3.6
2.7
Full time ............................................................................
Part time ............................................................................
(2)
(2)
0.5
0.2
1.5
6.6
1.5
6.6
Union .................................................................................
Nonunion ...........................................................................
(2)
(2)
0.3
0.6
3.6
1.6
2.1
1.8
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
(2)
0.1
(2)
0.1
(2)
0.7
0.3
1.4
0.2
0.1
3.9
2.1
2.0
1.8
2.7
3.7
2.1
2.2
2.1
3.0
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
(2)
(2)
(2)
0.4
1.2
0.5
2.0
4.8
2.1
2.3
4.2
2.7
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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)
(2)
(2)
(2)
(2)
0.3
0.4
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.6
0.3
0.6
(2)
(2)
1.0
0.4
(2)
(2)
(2)
2.2
0.5
(2)
2.5
1.9
1.7
1.5
4.8
5.7
3.2
3.2
5.5
5.8
5.1
4.5
3.3
4.1
5.4
1.8
1.9
3.9
3.9
6.6
3.6
3.7
4.5
6.4
4.3
5.4
3.0
4.1
6.3
Establishment characteristic
See footnotes at end of table.
Table 18. Standard errors for outpatient prescription drug benefits:1 Type of coverage,
private industry workers, National Compensation Survey, 2010—Continued
Characteristics
Generic drugs
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Brand-name
drugs
Mail order
drugs
Higher
reimbursement
for formulary
drugs
(2)
(2)
(2)
(2)
(2)
0.1
1.1
1.6
0.5
0.2
0.3
0.2
2.7
3.2
2.7
1.9
2.5
2.5
2.6
3.4
4.8
1.7
2.2
2.7
(2)
(2)
(2)
(2)
(2)
(2)
0.2
(2)
(2)
(2)
0.9
0.1
0.3
0.2
0.2
0.2
1.3
2.8
1.5
3.8
2.0
4.1
2.6
5.6
7.4
5.8
3.5
1.8
2.2
3.3
3.0
3.0
4.2
4.6
6.9
6.5
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Outpatient prescription drug benefits include both stand-alone
drug plans and prescription drug benefits included as part of a medical
plan.
2 Less than 0.05.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings both
above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2009." See Technical Note
for more details.
NOTE: 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/glossary20102011.htm.
Table 19. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation Survey,
2010
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Worker characteristic
All workers ........................................................................
84
14
3
$10
83
14
3
$25
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
81
80
81
88
99
83
86
81
85
82
87
86
82
92
15
14
16
11
–
14
13
14
14
–
11
12
17
–
4
6
3
1
–
3
(4)
4
1
–
2
2
2
–
10
10
10
10
–
10
10
10
10
10
10
10
10
10
81
82
81
87
99
81
83
80
85
81
87
85
82
89
14
12
15
11
–
15
15
15
14
–
11
13
16
9
4
6
3
2
–
4
2
5
1
–
2
2
2
2
25
25
25
30
30
30
30
25
25
25
25
25
30
25
Full time ............................................................................
Part time ............................................................................
84
83
14
15
3
2
10
–
83
83
14
15
3
2
25
30
Union .................................................................................
Nonunion ...........................................................................
81
84
17
13
2
3
10
10
82
83
16
13
2
3
20
30
Average wage within the following categories:5
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
84
88
84
80
81
15
10
14
16
14
1
2
3
4
5
10
10
10
10
10
84
86
83
81
81
15
11
14
15
14
2
3
3
4
5
30
30
25
25
25
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
82
80
82
16
19
15
2
1
3
10
10
10
83
83
82
14
16
15
3
1
3
25
30
25
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
84
90
91
87
78
79
75
73
76
79
82
88
91
80
13
10
–
–
14
14
17
12
21
16
17
–
9
17
3
1
–
–
9
7
9
15
2
6
2
–
(4)
2
10
10
10
10
10
10
10
10
10
10
10
10
10
10
83
87
92
83
80
76
72
71
74
80
80
90
91
78
14
12
–
14
11
17
19
14
24
14
18
–
9
19
3
1
–
3
9
7
9
15
2
6
2
–
(4)
2
25
30
30
25
25
25
25
25
25
30
25
25
25
25
Establishment characteristic
See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs2
Characteristics
Copayment
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
No
copayment
Brand-name drugs3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
82
83
80
84
85
84
16
15
16
12
14
11
2
2
4
3
2
5
$10
10
10
10
10
10
80
81
78
85
85
85
17
17
18
12
13
10
3
2
4
4
2
5
$30
30
30
25
30
25
95
90
82
67
84
78
80
81
87
–
8
15
28
14
–
18
–
10
–
2
3
5
2
–
2
–
2
10
10
10
10
10
10
10
10
10
95
91
81
65
85
77
78
79
88
–
7
16
30
13
–
20
–
9
–
2
3
5
2
–
2
–
4
30
25
25
25
30
30
30
25
25
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug
benefits included as part of a medical plan.
2 All workers participating in an outpatient prescription drug plan with a generic drug provision
equals 100 percent.
3 All workers participating in an outpatient prescription drug plan with a brand-name drug provision
equals 100 percent.
4 Less than 0.5.
5 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2010
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristic
All workers ........................................................................
1.2
1.2
0.5
$0
1.2
1.2
0.5
$2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.8
2.5
3.4
2.4
0.9
1.6
2.5
1.9
2.8
5.8
2.6
2.3
3.4
2.3
2.6
1.9
3.2
2.4
–
1.5
2.4
1.8
2.9
–
2.6
2.2
3.3
–
1.2
1.7
1.3
0.5
–
0.7
0.2
1.0
0.6
–
1.0
0.8
1.0
–
0
0
0
0
–
0
0
0
0
0
0
0
0
0
2.7
2.3
3.3
2.5
0.8
1.5
2.7
1.9
3.0
6.0
2.7
2.4
3.3
2.9
2.4
1.9
3.1
2.4
–
1.5
2.5
1.9
3.0
–
2.6
2.3
3.3
2.7
1.2
1.7
1.3
0.7
–
0.7
1.2
1.0
0.6
–
1.0
0.8
1.0
0.9
0
7
0
6
1
0
0
5
0
3
0
2
5
0
Full time ............................................................................
Part time ............................................................................
1.2
3.5
1.2
3.5
0.5
0.5
0
–
1.3
3.5
1.2
3.5
0.5
0.5
1
6
Union .................................................................................
Nonunion ...........................................................................
2.4
1.3
2.7
1.3
0.9
0.6
0
0
2.3
1.4
2.5
1.4
0.9
0.6
(2)
3
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.4
1.6
1.7
2.3
3.2
2.4
1.5
1.7
2.1
2.7
0.4
0.6
0.6
1.1
1.9
0
0
0
0
0
2.6
1.7
1.9
2.1
3.1
2.4
1.6
1.8
1.9
2.6
0.6
0.7
0.6
1.1
1.9
0
3
7
0
0
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.3
5.3
2.5
2.2
5.2
2.4
0.9
0.8
1.2
0
0
0
2.3
4.5
2.6
2.2
4.4
2.4
1.1
0.8
1.4
2
4
0
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Transportation and warehousing ..............................
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 ............................
1.4
1.6
2.8
3.2
4.4
3.1
3.2
4.1
6.0
4.0
4.2
4.6
2.2
4.9
1.3
1.5
–
–
3.1
2.7
2.9
2.8
5.8
3.2
4.1
–
2.2
4.8
0.6
0.3
–
–
3.9
1.8
2.0
4.0
1.7
2.4
0.6
–
0.3
0.7
0
0
0
1
0
0
0
0
0
0
0
0
0
0
1.5
1.4
2.7
2.7
4.5
3.0
2.9
4.1
5.7
4.0
4.5
2.9
2.2
5.3
1.4
1.3
–
2.6
2.6
2.6
2.8
2.9
5.6
3.2
4.3
–
2.2
5.1
0.6
0.4
–
1.4
3.9
1.8
2.0
4.0
1.7
2.4
0.7
–
0.3
0.8
3
0
0
0
0
0
0
6
0
4
0
0
0
1
Establishment characteristic
See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2010—Continued
Generic drugs
Characteristics
Copayment
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
2.2
2.7
4.5
1.2
1.7
1.9
2.1
2.6
4.1
1.1
1.7
1.4
0.7
0.4
2.4
0.6
0.7
1.1
$0
0
0
0
0
0
2.3
2.8
4.4
1.2
1.9
1.8
2.2
2.8
4.0
1.1
1.8
1.2
0.7
0.5
2.5
0.6
0.8
1.1
$0
0
0
0
1
4
1.5
1.3
2.8
5.7
2.2
8.6
4.5
4.9
2.6
–
1.3
2.6
5.5
2.4
–
4.4
–
2.0
–
0.2
0.6
2.1
0.8
–
0.8
–
1.0
0
0
0
0
0
0
0
0
0
1.5
1.6
2.5
5.6
1.8
8.6
4.8
5.0
2.6
–
1.5
2.4
5.2
1.7
–
4.7
–
2.1
–
0.3
0.6
2.1
0.7
–
0.8
–
0.9
5
1
( )
0
0
0
3
0
1
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug
benefits included as part of a medical plan.
2 Less than 0.5.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2
2009." See Technical Note for more details.
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/glossary20102011.htm.
Table 20. Defined contribution plans: Type of plan,1 private industry workers, National Compensation Survey,
2010
(All workers participating in defined contribution plans = 100 percent)
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
Worker characteristic
All workers ........................................................................
68
25
4
19
–
2
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
75
80
71
70
85
62
57
65
54
41
65
72
70
74
16
14
17
22
–
36
43
31
26
–
27
24
23
26
–
–
–
–
–
5
–
4
–
–
–
–
–
–
18
16
19
18
–
22
28
19
19
–
16
16
21
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
69
59
24
30
4
–
19
22
–
–
2
–
–
–
Union .................................................................................
Nonunion ...........................................................................
61
69
–
26
–
4
31
18
–
–
–
3
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
67
74
63
69
71
74
29
–
31
24
19
16
–
–
–
5
–
–
15
–
24
15
19
17
–
–
–
–
–
–
–
–
4
4
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
69
46
77
20
28
19
–
–
–
18
–
17
–
–
–
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
68
57
64
47
77
84
82
84
83
85
78
70
58
30
36
64
26
40
27
56
–
–
21
19
23
17
25
30
16
–
–
19
4
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
19
24
–
–
–
–
12
11
–
–
–
–
30
69
68
22
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 20. Defined contribution plans: Type of plan,1 private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in defined contribution plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
64
63
67
71
67
75
25
23
30
25
31
17
3
–
–
4
–
–
9
10
–
25
24
25
–
–
–
–
–
–
7
8
–
–
–
–
–
–
–
–
–
–
74
64
71
69
69
64
64
75
68
–
25
25
–
26
31
24
25
26
–
–
–
–
–
–
–
–
–
14
22
23
18
17
–
24
11
13
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Sum of individual items may be greater than total because multiple plans are
available to some employees.
2 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
NOTE: 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/glossary20102011.htm.
Table 20. Standard errors for defined contribution plans: Type of plan, private industry workers, National
Compensation Survey, 2010
Characteristics
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
Worker characteristic
All workers ........................................................................
1.9
1.7
0.8
1.2
–
0.4
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
3.5
3.9
3.8
4.3
5.5
2.3
3.7
2.8
3.9
5.9
5.2
2.7
4.0
3.9
2.3
2.3
2.8
4.4
–
2.8
4.2
3.3
4.5
–
4.7
3.1
4.1
4.1
–
–
–
–
–
1.3
–
1.2
–
–
–
–
–
–
1.8
2.6
2.3
3.0
–
2.0
3.5
2.1
3.7
–
3.5
2.7
4.1
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
2.0
4.0
1.7
3.7
0.8
–
1.2
3.5
–
–
0.3
–
–
–
Union .................................................................................
Nonunion ...........................................................................
5.0
1.8
–
1.7
–
0.8
4.1
1.2
–
–
–
0.5
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
3.6
8.8
2.6
2.3
3.5
4.0
3.5
–
2.6
2.4
2.8
2.9
–
–
–
1.2
–
–
2.2
–
2.4
1.5
1.8
2.5
–
–
–
–
–
–
–
–
1.0
1.1
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.8
6.1
2.9
3.2
7.7
3.3
–
–
–
2.5
–
3.3
–
–
–
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
2.3
3.0
6.2
4.0
6.0
6.1
3.3
2.4
3.5
3.8
6.8
8.4
5.3
3.5
3.7
6.2
2.3
3.2
5.7
4.4
–
–
3.7
2.6
3.9
4.1
4.9
7.2
4.4
–
–
5.2
0.9
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.4
2.4
–
–
–
–
3.0
2.4
–
–
–
–
3.9
4.5
4.2
4.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 20. Standard errors for defined contribution plans: Type of plan, private industry workers, National
Compensation Survey, 2010—Continued
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Savings and
thrift
Deferred
profit
sharing
Employee
stock
ownership
Money
purchase
pension
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Other
3.6
4.8
5.8
1.9
2.7
2.8
3.3
4.4
5.7
1.9
2.7
2.6
0.9
–
–
1.1
–
–
2.2
2.8
–
1.6
2.7
2.4
–
–
–
–
–
–
1.2
1.6
–
–
–
–
–
–
–
–
–
–
6.0
6.8
3.4
5.1
4.4
8.8
5.2
6.5
4.5
–
5.5
3.4
–
5.9
6.8
3.2
5.4
3.6
–
–
–
–
–
–
–
–
–
3.4
1.9
3.2
4.1
3.0
–
4.2
3.2
3.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
NOTE: 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/glossary20102011.htm.
Table 21. Defined contribution plans: Method of contribution and
availability of annuity, private industry workers, National Compensation
Survey, 2010
(All workers participating in defined contribution plans = 100 percent)
Method of contribution1
Characteristics
401 (k)
Roth 401(k)
pre-tax
contribution
contribution (post-tax)2
Annuity
available3
Worker characteristic
All workers ........................................................................
86
23
18
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
89
93
86
85
92
88
91
86
69
55
82
87
85
90
28
31
26
14
–
22
16
25
19
–
30
23
27
17
22
20
23
16
–
15
12
16
28
30
26
11
12
9
Full time ............................................................................
Part time ............................................................................
87
83
25
10
18
15
Union .................................................................................
Nonunion ...........................................................................
76
87
25
23
35
16
Average wage within the following categories:4
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
87
81
89
84
86
89
17
–
18
22
30
33
12
–
12
17
24
24
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
81
58
88
23
–
29
17
22
15
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
88
89
87
89
93
87
94
93
95
91
87
83
83
76
79
84
23
18
28
9
–
47
37
38
31
46
34
–
11
10
11
11
18
14
23
9
–
27
12
11
–
15
18
–
24
57
65
17
Establishment characteristic
See footnotes at end of table.
Table 21. Defined contribution plans: Method of contribution and
availability of annuity, private industry workers, National Compensation
Survey, 2010—Continued
(All workers participating in defined contribution plans = 100 percent)
Method of contribution1
Characteristics
401 (k)
Roth 401(k)
pre-tax
contribution
contribution (post-tax)2
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Annuity
available3
79
77
84
91
91
91
18
16
23
26
22
32
14
13
–
20
15
26
84
82
87
87
89
93
88
90
81
19
25
25
24
21
29
20
24
25
31
20
20
24
15
10
–
19
18
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Sum of individual items may be greater than total
because both methods of contribution are available to
some employees
2 Plans that combine features of traditional Roth
IRA plans and 401(k) plans in savings and thrift plans.
Under these plans employees are allowed to have part
or all of their retirement plan contributions be subject
to all the same post-tax treatment as under a Roth IRA
plan.
3 The remaining workers include both workers not
having an annuity available as well as those workers
where the availability is not determinable.
For
example, 18 percent of all workers have an annuity
provision available. The remaining 82 percent either
do not have the provision or information on the
provision is not available.
4 The categories are based on the average wage
for each occupation surveyed, which may include
workers with earnings both above and below the
threshold. The average wages are based on the
estimates published in the "National Compensation
Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 21. Standard errors for defined contribution plans: Method of
contribution and availability of annuity, private industry workers,
National Compensation Survey, 2010
Method of contribution
Characteristics
401 (k)
Roth 401(k)
pre-tax
contribution
contribution (post-tax)1
Annuity
available2
Worker characteristic
All workers ........................................................................
1.3
1.4
1.4
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
1.9
1.4
2.5
3.1
3.7
1.5
2.0
1.8
4.1
7.1
4.2
1.9
3.1
2.5
2.6
3.3
2.9
3.0
–
1.9
2.6
2.5
3.1
–
4.7
3.5
5.0
3.3
2.3
3.2
2.5
3.1
–
1.9
2.7
2.2
4.0
8.0
4.4
2.4
3.2
2.2
Full time ............................................................................
Part time ............................................................................
1.3
3.5
1.5
2.2
1.5
3.8
Union .................................................................................
Nonunion ...........................................................................
5.2
1.1
4.3
1.4
5.4
1.3
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.9
6.9
1.5
2.0
2.1
2.3
3.3
–
2.2
1.6
2.4
3.3
3.4
–
1.4
1.8
2.6
3.4
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
2.6
6.5
2.0
3.1
–
3.9
2.9
6.1
3.0
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
Transportation and warehousing ..............................
Information ....................................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Professional and technical services ..........................
Education and health services ......................................
Educational services .................................................
Junior colleges, colleges, and universities ............
Health care and social assistance ............................
1.4
1.8
3.8
2.5
3.3
6.1
1.1
1.4
1.7
3.2
4.7
5.4
3.2
5.1
3.8
3.6
1.6
2.2
6.4
2.0
–
8.3
3.7
3.3
4.7
5.6
5.4
–
2.7
2.1
1.9
3.2
1.5
2.5
5.6
2.6
–
6.3
2.1
1.9
–
3.7
4.8
–
3.4
5.6
4.5
3.3
Establishment characteristic
See footnotes at end of table.
Table 21. Standard errors for defined contribution plans: Method of
contribution and availability of annuity, private industry workers,
National Compensation Survey, 2010—Continued
Method of contribution
Characteristics
401 (k)
Roth 401(k)
pre-tax
contribution
contribution (post-tax)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 .....................................................
Annuity
available2
2.7
3.4
4.0
1.0
1.7
1.4
2.2
2.6
3.8
1.9
2.7
2.7
2.2
2.4
–
1.6
1.7
3.0
5.4
5.7
2.5
3.1
2.1
3.0
1.9
4.0
3.7
5.3
4.4
3.2
3.4
3.4
6.7
3.2
4.2
4.0
8.2
4.7
2.4
4.0
2.6
2.8
–
5.4
4.9
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Plans that combine features of traditional Roth
IRA plans and 401(k) plans in savings and thrift plans.
Under these plans employees are allowed to have part
or all of their retirement plan contributions be subject
to all the same post-tax treatment as under a Roth IRA
plan.
2 The remaining workers include both workers not
having an annuity available as well as those workers
where the availability is not determinable.
For
example, 18 percent of all workers have an annuity
provision available. The remaining 82 percent either
do not have the provision or information on the
provision is not available.
3 The categories are based on the average wage
for each occupation surveyed, which may include
workers with earnings both above and below the
threshold. The average wages are based on the
estimates published in the "National Compensation
Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 22. Savings and thrift plans: Summary of provisions,1 private industry workers, National Compensation Survey,
2010
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
401 (k)
pre-tax
contribution
Roth 401(k)
contribution
(post-tax)2
Annuity
available
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristic
All workers ........................................................................
100
31
15
21
6
84
78
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
35
37
33
17
–
30
25
33
29
–
37
28
32
22
18
–
17
–
–
16
17
–
17
–
20
–
–
–
20
17
23
–
–
22
20
23
19
–
24
24
27
21
7
5
8
–
–
4
–
6
–
–
–
8
12
–
86
87
85
83
93
85
90
82
78
66
84
81
86
74
80
81
79
79
83
78
84
75
70
60
76
76
81
69
Full time ............................................................................
Part time ............................................................................
100
100
32
16
15
–
21
16
6
–
84
87
78
78
Union .................................................................................
Nonunion ...........................................................................
100
100
36
30
–
14
33
20
13
5
81
84
68
79
Average wage within the following categories:4
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
24
–
25
26
39
42
–
–
–
–
19
20
–
–
22
24
21
20
–
–
4
6
8
8
84
97
79
82
88
91
77
88
74
76
82
85
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
30
–
34
10
–
11
25
–
28
9
–
11
85
67
88
78
59
83
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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
31
27
35
20
52
39
42
33
53
41
31
–
17
19
–
–
16
–
–
–
–
–
–
–
–
–
–
59
62
–
19
20
–
24
25
25
24
–
42
19
–
–
–
–
–
5
–
–
–
–
6
7
–
13
–
–
–
–
–
–
84
82
76
87
73
92
93
95
89
89
91
75
82
84
74
78
77
75
76
56
78
78
75
78
87
91
72
77
81
71
Establishment characteristic
See footnotes at end of table.
Table 22. Savings and thrift plans: Summary of provisions,1 private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
401 (k)
pre-tax
contribution
Roth 401(k)
contribution
(post-tax)2
Annuity
available
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
100
100
100
100
100
100
23
20
31
34
30
39
12
–
–
17
11
22
16
14
21
23
21
25
–
–
–
7
–
11
81
80
81
86
79
92
75
76
73
79
74
84
100
100
100
100
100
100
100
100
100
24
36
33
31
25
29
28
28
34
–
–
–
–
13
–
–
–
17
14
21
20
23
21
30
13
30
21
–
–
–
13
–
–
–
–
–
74
86
85
78
85
88
76
85
90
67
78
77
67
81
85
73
77
86
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The remaining workers include both workers not receiving the benefit as well as those
workers where the availability of the benefit is not determinable. For example, 15 percent
of all workers have an annuity provision available. The remaining 85 percent either do not
have the provision or information on the provision is not available.
2 Plans that combine features of traditional Roth IRA plans and 401(k) plans in savings
and thrift plans. Under these plans employees are allowed to have part or all of their
retirement plan contributions be subject to all the same post-tax treatment as under a Roth
IRA plan.
3 The employer automatically enrolls employees in the plan at a specified rate of
contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan.
4 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 22. Standard errors for savings and thrift plans: Summary of provisions,1 private industry workers, National
Compensation Survey, 2010
Characteristics
401 (k)
pre-tax
contribution
Roth 401(k)
contribution
(post-tax)2
Annuity
available
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristic
All workers ........................................................................
0.0
1.8
1.5
1.5
0.8
1.8
1.9
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
4
( )
0.0
(4)
0.0
0.0
0.0
0.0
(4)
(4)
0.0
0.0
0.0
(4)
0.0
2.9
3.9
3.5
4.1
–
2.4
4.0
3.0
4.9
–
6.3
4.5
6.2
4.7
2.6
–
2.4
–
–
2.5
4.3
–
4.3
–
5.8
–
–
–
2.5
2.1
3.7
–
–
2.4
3.6
3.2
3.6
–
4.8
3.8
5.1
5.0
1.7
1.1
2.4
–
–
1.0
–
1.5
–
–
–
2.1
3.4
–
3.2
3.1
4.0
5.2
5.1
1.9
3.3
2.1
4.4
9.8
3.9
3.9
3.4
6.8
3.4
3.1
4.2
5.2
8.0
2.1
3.6
2.5
5.3
10.4
5.9
4.0
3.9
6.7
Full time ............................................................................
Part time ............................................................................
0.0
0.0
1.9
3.1
1.6
–
1.5
4.2
0.9
–
1.9
3.9
2.1
3.8
Union .................................................................................
Nonunion ...........................................................................
0.0
0.0
5.0
1.8
–
1.5
3.6
1.6
3.3
0.8
3.0
2.0
4.8
2.1
Average wage within the following categories:5
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
0.0
0.0
0.0
(4)
(4)
(4)
4.6
–
3.1
1.9
2.7
3.7
–
–
–
–
2.6
3.8
–
–
2.5
2.6
2.2
2.8
–
–
0.9
1.2
1.7
2.0
4.2
1.8
2.7
2.0
2.3
2.6
4.2
6.1
2.8
2.2
2.7
3.1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
(4)
(4)
(4)
4.0
–
4.5
2.5
–
3.0
3.6
–
4.3
2.0
–
2.4
2.3
7.3
2.6
2.9
8.2
3.1
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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 ............................
(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
(4)
2.0
3.4
8.5
3.7
8.3
3.9
3.6
5.2
6.5
5.4
8.7
–
4.3
4.7
–
–
3.4
–
–
–
–
–
–
–
–
–
–
8.7
7.9
–
1.9
3.0
–
4.9
5.8
3.4
3.2
–
7.2
4.4
–
–
–
–
–
0.9
–
–
–
–
1.4
1.6
–
3.6
–
–
–
–
–
–
2.4
3.1
7.2
3.9
7.1
2.1
2.2
2.2
4.2
3.8
6.0
8.3
6.6
5.3
9.1
2.6
3.1
7.3
4.8
8.7
2.9
3.3
4.7
5.4
4.0
6.0
8.2
6.7
5.8
9.0
Establishment characteristic
See footnotes at end of table.
Table 22. Standard errors for savings and thrift plans: Summary of provisions,1 private industry workers, National
Compensation Survey, 2010—Continued
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
401 (k)
pre-tax
contribution
Roth 401(k)
contribution
(post-tax)2
Annuity
available
Automatic
enrollment
provision3
Automatic
escalation
feature
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
0.0
0.0
0.0
(4)
(4)
0.0
3.0
3.5
4.7
2.4
3.5
3.5
2.3
–
–
2.0
2.0
3.4
3.0
3.1
6.0
2.0
2.7
3.1
–
–
–
1.0
–
2.1
4.6
6.3
3.9
1.6
2.4
1.4
4.6
6.3
4.9
1.8
2.7
2.3
0.0
0.0
0.0
0.0
0.0
(4)
0.0
0.0
(4)
7.0
5.1
4.4
5.3
4.3
3.6
4.2
5.4
5.2
–
–
–
–
3.6
–
–
–
3.8
3.0
4.1
3.1
6.1
3.6
7.8
2.9
8.5
3.4
–
–
–
3.2
–
–
–
–
–
4.0
2.3
3.6
3.6
2.4
2.4
10.4
5.1
4.8
5.0
3.2
4.7
6.9
2.9
2.6
10.1
4.8
4.9
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The remaining workers include both workers not receiving the benefit as well as those
workers where the availability of the benefit is not determinable. For example, 15 percent
of all workers have an annuity provision available. The remaining 85 percent either do not
have the provision or information on the provision is not available.
2 Plans that combine features of traditional Roth IRA plans and 401(k) plans in savings
and thrift plans. Under these plans employees are allowed to have part or all of their
retirement plan contributions be subject to all the same post-tax treatment as under a Roth
IRA plan.
3 The employer automatically enrolls employees in the plan at a specified rate of
contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan.
4
5
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 23. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2010
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
Total
Automatic
Automatic
Default contribution as percent of earnings
enrollment
Default
Default
Not
enrollment
not
contribution
contribution
determinable
50th
available
available
as percent
not
10th
25th
75th
90th
percentile
percentile percentile determinable
of earnings percentile percentile
(median)
Worker characteristic
All workers ........................................................................
100
21
20
–
–
–
–
–
(2)
76
3
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
20
17
23
–
–
22
20
23
19
–
24
24
27
21
20
16
23
–
–
21
20
22
18
–
22
24
27
21
2.0
2.0
2.0
–
–
–
–
–
2.0
–
2.0
1.0
1.0
–
2.0
3.0
2.0
–
–
–
–
–
2.0
–
2.0
2.0
2.0
–
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
4.0
3.0
–
–
–
–
–
3.0
–
3.0
3.0
3.0
–
(2)
(2)
(2)
–
–
1
–
1
1
–
2
–
–
–
78
82
75
88
77
74
79
72
79
88
75
69
70
67
1
1
2
–
–
4
1
5
1
–
1
7
3
11
Full time ............................................................................
Part time ............................................................................
100
100
21
16
21
16
2.0
–
2.0
–
3.0
–
3.0
–
3.0
–
(2)
–
76
81
3
3
Union .................................................................................
Nonunion ...........................................................................
100
100
33
20
33
19
2.0
–
2.0
–
3.0
–
3.0
–
3.0
–
–
(2)
65
77
2
3
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
–
–
22
24
21
20
–
–
22
23
21
20
–
–
1.0
2.0
2.0
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
4.0
4.0
–
–
( )
1
(2)
(2)
86
95
73
74
77
78
–
–
5
3
2
2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
25
–
28
25
–
28
1.0
–
1.0
2.0
–
2.0
3.0
–
3.0
3.0
–
3.0
3.0
–
3.0
(2)
–
(2)
72
81
70
3
–
2
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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
19
20
–
24
25
25
24
–
42
19
–
–
–
–
–
19
20
–
24
19
25
24
–
42
19
–
–
–
–
–
2.0
1.0
–
–
2.0
–
2.0
–
3.0
2.0
–
–
–
–
–
2.0
2.0
–
–
2.0
–
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
–
5.0
–
5.0
3.0
–
–
–
–
–
(2)
–
–
–
6
–
–
–
–
(2)
–
–
–
–
–
78
78
79
73
70
74
75
88
57
76
82
82
86
85
81
3
3
–
2
5
1
1
–
1
5
–
–
–
–
–
2
Establishment characteristic
See footnotes at end of table.
Table 23. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2010—Continued
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Automatic
Automatic
Default contribution as percent of earnings
enrollment
Default
Default
Not
enrollment
not
contribution
contribution
determinable
50th
available
available
as percent
not
10th
25th
75th
90th
percentile
percentile percentile determinable
of earnings percentile percentile
(median)
100
100
100
100
100
100
16
14
21
23
21
25
16
14
21
23
21
25
2.0
–
–
–
1.0
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
–
–
–
1
(2)
1
83
85
79
73
74
72
1
1
1
4
5
3
100
100
100
100
100
100
100
100
100
14
21
20
23
21
30
13
30
21
14
21
20
23
21
30
13
30
18
–
2.0
–
–
2.0
–
–
–
2.0
–
3.0
–
–
2.0
–
–
–
2.0
–
3.0
–
–
3.0
–
–
–
3.0
–
3.0
–
–
3.0
–
–
–
3.0
–
3.0
–
–
3.0
–
–
–
3.0
–
(2)
(2)
–
–
–
–
–
2
85
76
79
74
75
68
82
65
79
2
4
1
3
4
3
5
5
1
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3
percent of earnings), unless the employee opts out of the plan.
2 Less than 0.5.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the estimates
published in the "National Compensation Survey: Occupational Earnings in the United States, 2009." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 23. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation
Survey, 2010
With automatic enrollment
Characteristics
Automatic
Automatic
Default contribution as percent of earnings
Default
Default
enrollment
Not
enrollment
contribution
contribution
determinable
not
50th
available
as percent
not
available
10th
25th
75th
90th
percentile
of earnings percentile percentile
percentile percentile determinable
(median)
Worker characteristic
All workers ........................................................................
1.5
1.5
–
–
–
–
–
0.2
1.5
0.6
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.5
2.1
3.7
–
–
2.4
3.6
3.2
3.6
–
4.8
3.8
5.1
5.0
2.5
2.1
3.7
–
–
2.3
3.6
3.0
3.5
–
4.6
3.8
5.1
5.0
0.0
0.0
0.0
–
–
–
–
–
0.0
–
0.0
0.0
0.4
–
0.0
0.3
0.0
–
–
–
–
–
0.0
–
0.0
0.9
0.2
–
0.0
0.0
0.3
–
–
–
–
–
0.8
–
1.4
0.0
0.0
–
0.0
0.0
0.0
–
–
–
–
–
0.0
–
0.0
0.0
0.0
–
0.2
1.2
0.0
–
–
–
–
–
0.0
–
0.0
0.8
0.0
–
0.1
0.1
0.1
–
–
0.5
–
0.7
1.0
–
1.5
–
–
–
2.6
2.2
3.8
3.1
10.4
2.5
3.6
3.4
3.7
6.1
4.8
4.2
5.3
6.8
0.4
0.5
0.6
–
–
1.0
0.9
1.5
0.5
–
0.7
3.0
1.7
6.5
Full time ............................................................................
Part time ............................................................................
1.5
4.2
1.5
4.2
0.7
–
0.0
–
0.0
–
0.0
–
0.0
–
0.2
–
1.5
4.0
0.7
1.8
Union .................................................................................
Nonunion ...........................................................................
3.6
1.6
3.6
1.6
0.0
–
0.0
–
0.3
–
0.0
–
0.0
–
–
0.2
3.6
1.7
1.1
0.7
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
–
–
2.5
2.6
2.2
2.8
–
–
2.5
2.6
2.2
2.8
–
–
0.0
0.6
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
1.4
1.2
–
–
0.3
0.3
0.2
(3)
3.9
3.0
2.7
2.6
2.2
2.8
–
–
1.6
0.6
0.5
0.7
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.6
–
4.3
3.6
–
4.3
0.4
–
0.2
0.0
–
0.2
0.0
–
0.0
0.0
–
0.0
0.9
–
1.3
(3)
–
0.1
3.6
7.3
4.4
1.1
–
1.2
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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
3.0
–
4.9
5.8
3.4
3.2
–
7.2
4.4
–
–
–
–
–
1.8
3.0
–
4.9
5.7
3.4
3.2
–
7.2
4.4
–
–
–
–
–
0.2
0.0
–
–
0.0
–
0.7
–
1.1
0.0
–
–
–
–
–
0.0
0.3
–
–
0.3
–
0.0
–
0.0
0.0
–
–
–
–
–
0.0
0.3
–
–
0.9
–
0.0
–
0.0
1.3
–
–
–
–
–
0.0
0.0
–
–
0.0
–
0.0
–
0.0
0.0
–
–
–
–
–
0.0
1.0
–
–
0.0
–
0.9
–
0.4
0.0
–
–
–
–
–
0.2
–
–
–
3.0
–
–
–
–
0.3
–
–
–
–
–
2.0
3.1
6.9
4.9
6.1
3.2
3.2
3.8
7.2
4.6
6.3
5.2
3.9
4.8
5.8
0.8
1.0
–
1.2
4.0
0.5
0.6
–
0.8
2.6
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 23. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation
Survey, 2010—Continued
With automatic enrollment
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Automatic
Automatic
Default contribution as percent of earnings
Default
Default
enrollment
Not
enrollment
contribution
contribution
determinable
not
50th
available
as percent
not
available
10th
25th
75th
90th
percentile
of earnings percentile percentile
percentile percentile determinable
(median)
3.0
3.1
6.0
2.0
2.7
3.1
3.0
3.1
6.0
1.9
2.7
3.1
0.3
–
–
–
0.0
0.0
0.0
–
–
–
0.6
1.4
0.7
–
–
–
0.6
0.0
0.0
–
–
–
0.0
0.0
1.4
–
–
–
0.0
0.5
–
–
–
0.3
0.3
0.4
2.9
3.0
6.0
1.9
2.9
3.3
0.6
0.8
0.5
1.0
1.8
0.9
3.0
4.1
3.1
6.1
3.6
7.8
2.9
8.5
3.4
3.0
4.1
3.1
6.1
3.6
7.8
2.9
8.5
3.1
–
0.0
–
–
0.3
–
–
–
0.0
–
1.4
–
–
0.0
–
–
–
0.0
–
0.0
–
–
0.8
–
–
–
0.7
–
0.0
–
–
0.0
–
–
–
0.0
–
0.0
–
–
0.0
–
–
–
0.0
–
0.1
0.3
–
–
–
–
–
1.1
2.5
4.0
3.1
5.4
3.7
7.8
4.0
8.4
3.4
1.6
1.6
0.5
1.8
1.5
1.6
3.6
2.6
0.3
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3
percent of earnings), unless the employee opts out of the plan.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
3
Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 24. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by
employer, private industry workers, National Compensation Survey, 2010
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Total
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
Worker characteristic
All workers ........................................................................
100
21
33
50
50
67
100
76
3
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
20
17
23
–
–
22
20
23
19
–
24
24
27
21
33
50
33
–
–
33
40
33
33
–
33
–
–
–
50
50
50
–
–
50
50
40
33
–
50
–
–
–
50
50
60
–
–
50
50
50
50
–
50
–
–
–
67
71
67
–
–
67
67
71
67
–
67
–
–
–
100
100
100
–
–
100
100
100
75
–
75
–
–
–
78
82
75
88
77
74
79
72
79
88
75
69
70
67
1
1
2
–
–
4
1
5
1
–
1
7
3
11
Full time ............................................................................
Part time ............................................................................
100
100
21
16
33
–
50
–
50
–
67
–
100
–
76
81
3
3
Union .................................................................................
Nonunion ...........................................................................
100
100
33
20
33
33
33
50
50
50
75
67
100
100
65
77
2
3
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
–
–
22
24
21
20
–
–
25
33
33
33
–
–
40
50
50
50
–
–
50
50
50
50
–
–
60
67
75
75
–
–
100
100
100
100
86
95
73
74
77
78
–
–
5
3
2
2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
25
–
28
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
72
81
70
3
–
2
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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
19
20
–
24
25
25
24
–
42
19
–
–
–
–
–
33
–
–
–
–
43
43
–
33
–
–
–
–
–
–
50
–
–
–
–
50
50
–
50
–
–
–
–
–
–
50
–
–
–
–
50
50
–
60
–
–
–
–
–
–
67
–
–
–
–
71
100
–
71
–
–
–
–
–
–
100
–
–
–
–
100
100
–
100
–
–
–
–
–
–
78
78
79
73
70
74
75
88
57
76
82
82
86
85
81
3
3
–
2
5
1
1
–
1
5
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 24. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by
employer, private industry workers, National Compensation Survey, 2010—Continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
100
100
100
100
100
100
16
14
21
23
21
25
–
–
–
33
33
33
–
–
–
38
33
50
–
–
–
50
50
50
–
–
–
67
60
75
–
–
–
100
100
100
83
85
79
73
74
72
1
1
1
4
5
3
100
100
100
100
100
100
100
100
100
14
21
20
23
21
30
13
30
21
–
33
–
50
–
–
–
25
–
–
33
–
50
–
–
–
50
–
–
50
–
50
–
–
–
67
–
–
67
–
75
–
–
–
67
–
–
100
–
100
–
–
–
67
–
85
76
79
74
75
68
82
65
79
2
4
1
3
4
3
5
5
1
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The percentage is determined by the ratio of the default enrollment amount to the maximum
employee contribution matched by the employer, for those plans that specify both values.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 24. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee maximum
amount matched by employer, private industry workers, National Compensation Survey, 2010
Characteristics
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
Worker characteristic
All workers ........................................................................
1.5
0.0
12.5
0.0
5.9
0.0
1.5
0.6
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.5
2.1
3.7
–
–
2.4
3.6
3.2
3.6
–
4.8
3.8
5.1
5.0
4.0
7.8
0.0
–
–
0.8
11.7
0.0
0.0
–
9.2
–
–
–
0.0
0.0
9.0
–
–
11.2
0.0
10.8
12.7
–
6.5
–
–
–
7.6
0.0
14.3
–
–
0.0
5.7
0.0
3.3
–
12.2
–
–
–
8.7
31.5
8.8
–
–
10.2
24.8
8.3
8.7
–
4.6
–
–
–
0.0
0.0
32.9
–
–
0.0
6.5
0.0
35.2
–
12.9
–
–
–
2.6
2.2
3.8
3.1
10.4
2.5
3.6
3.4
3.7
6.1
4.8
4.2
5.3
6.8
0.4
0.5
0.6
–
–
1.0
0.9
1.5
0.5
–
0.7
3.0
1.7
6.5
Full time ............................................................................
Part time ............................................................................
1.5
4.2
0.0
–
10.6
–
0.0
–
2.5
–
0.0
–
1.5
4.0
0.7
1.8
Union .................................................................................
Nonunion ...........................................................................
3.6
1.6
0.0
0.0
0.8
2.0
9.7
0.0
20.8
3.6
6.9
0.0
3.6
1.7
1.1
0.7
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
–
–
2.5
2.6
2.2
2.8
–
–
9.8
0.0
0.0
6.1
–
–
7.9
15.4
0.0
0.0
–
–
0.0
4.7
2.8
3.9
–
–
12.1
4.6
8.3
32.7
–
–
34.3
0.0
0.0
0.0
3.9
3.0
2.7
2.6
2.2
2.8
–
–
1.6
0.6
0.5
0.7
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.6
–
4.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.6
7.3
4.4
1.1
–
1.2
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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
3.0
–
4.9
5.8
3.4
3.2
–
7.2
4.4
–
–
–
–
–
0.0
–
–
–
–
8.4
9.6
–
13.5
–
–
–
–
–
–
6.1
–
–
–
–
0.0
0.0
–
0.0
–
–
–
–
–
–
0.0
–
–
–
–
9.8
11.1
–
9.1
–
–
–
–
–
–
4.4
–
–
–
–
12.8
38.0
–
25.2
–
–
–
–
–
–
0.0
–
–
–
–
0.0
0.0
–
0.0
–
–
–
–
–
–
2.0
3.1
6.9
4.9
6.1
3.2
3.2
3.8
7.2
4.6
6.3
5.2
3.9
4.8
5.8
0.8
1.0
–
1.2
4.0
0.5
0.6
–
0.8
2.6
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 24. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee maximum
amount matched by employer, private industry workers, National Compensation Survey, 2010—Continued
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
Not
enrollment
determinable
not available
3.0
3.1
6.0
2.0
2.7
3.1
–
–
–
0.0
11.3
0.0
–
–
–
7.7
4.1
9.8
–
–
–
0.0
0.0
0.0
–
–
–
6.9
13.7
6.4
–
–
–
0.0
28.2
0.0
2.9
3.0
6.0
1.9
2.9
3.3
0.6
0.8
0.5
1.0
1.8
0.9
3.0
4.1
3.1
6.1
3.6
7.8
2.9
8.5
3.4
–
0.0
–
0.0
–
–
–
11.8
–
–
8.1
–
0.0
–
–
–
17.2
–
–
0.0
–
0.0
–
–
–
22.2
–
–
22.0
–
0.0
–
–
–
0.0
–
–
32.6
–
17.7
–
–
–
0.0
–
2.5
4.0
3.1
5.4
3.7
7.8
4.0
8.4
3.4
1.6
1.6
0.5
1.8
1.5
1.6
3.6
2.6
0.3
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The percentage is determined by the ratio of the default enrollment amount to the
maximum employee contribution matched by the employer, for those plans that specify both
values.
2 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 25. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey, 2010
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit
Characteristics
Total
Percent
of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
Worker characteristic
All workers ........................................................................
100
47
15
25
50
60
75
51
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
47
47
48
37
–
49
47
50
54
37
63
46
48
42
–
20
15
–
–
20
25
15
15
–
–
15
15
15
–
25
25
–
–
25
25
25
25
–
–
20
20
20
–
50
50
–
–
50
50
50
30
–
–
50
40
50
–
60
75
–
–
60
50
60
50
–
–
50
50
60
–
75
75
–
–
75
75
80
75
–
–
75
75
80
49
49
49
63
52
51
52
50
46
63
36
54
52
58
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
47
51
16
15
25
25
50
50
60
75
75
80
52
49
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
45
47
16
15
25
25
30
50
50
60
70
75
54
51
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
46
36
45
45
50
51
15
–
15
15
20
–
25
–
25
25
25
–
50
–
50
50
50
–
75
–
75
50
60
–
90
–
80
75
75
–
54
64
55
54
47
45
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
47
48
46
15
–
15
20
–
20
40
–
35
50
–
50
75
–
75
51
52
51
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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
47
40
36
45
73
60
62
61
55
51
50
39
–
–
42
17
15
–
–
–
15
15
15
25
–
50
–
–
–
–
25
30
–
–
–
25
25
20
25
–
60
–
–
–
–
50
50
–
–
–
30
30
25
50
–
60
–
–
–
–
60
60
–
–
–
50
50
50
50
–
75
–
–
–
–
75
80
–
–
–
60
50
50
50
–
75
–
–
–
–
52
60
64
55
27
39
37
39
43
43
44
61
96
95
58
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
( )
(2)
–
Establishment characteristic
See footnotes at end of table.
Table 25. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Percent
of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
100
100
100
100
100
100
50
50
52
45
45
46
15
15
15
16
15
20
25
25
25
25
25
25
50
60
50
50
50
50
75
75
75
50
50
70
75
75
75
75
80
75
49
50
48
52
53
51
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
33
48
37
42
58
52
50
58
43
–
20
20
–
15
15
–
–
20
–
25
25
–
25
25
–
–
25
–
50
30
–
50
30
–
–
50
–
60
50
–
75
50
–
–
75
–
75
60
–
75
75
–
–
80
67
48
63
57
41
48
45
42
57
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(2)
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
2 Less than 0.5.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,
and
related
terms,
see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 25. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National
Compensation Survey, 2010
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 characteristic
All workers ........................................................................
2.4
1.2
0.0
0.0
13.3
0.0
2.3
–
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
4.0
4.7
4.9
5.4
–
3.2
4.5
3.7
5.5
9.8
5.7
4.4
4.8
7.2
–
3.4
3.7
–
–
5.3
1.7
3.5
0.3
–
–
0.6
0.6
2.9
–
0.0
5.3
–
–
0.0
0.0
1.0
10.0
–
–
2.2
1.4
7.4
–
0.0
2.0
–
–
0.0
2.0
0.0
8.4
–
–
12.7
16.2
3.9
–
12.0
9.7
–
–
10.9
12.9
10.2
12.6
–
–
10.7
6.9
5.2
–
0.0
0.0
–
–
7.1
0.0
5.5
18.4
–
–
1.0
0.0
10.3
3.8
4.5
4.7
5.4
15.6
3.2
4.6
3.7
5.5
9.8
5.7
4.4
4.8
7.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
2.5
5.9
1.6
0.0
0.0
9.8
0.0
0.0
11.3
8.6
0.0
6.5
2.4
5.9
–
–
–
–
Union .................................................................................
Nonunion ...........................................................................
5.1
2.5
1.8
1.1
4.5
0.0
14.1
0.0
0.0
20.3
18.4
0.0
5.1
2.4
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.6
9.8
3.3
2.6
3.6
4.6
1.8
–
3.1
0.0
4.9
–
0.0
–
0.0
1.4
0.0
–
3.4
–
0.0
2.2
0.0
–
5.7
–
13.5
13.7
9.5
–
15.1
–
6.6
0.0
0.0
–
4.7
9.8
3.3
2.6
3.5
4.6
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.2
8.8
3.6
0.0
–
0.0
3.6
–
2.6
10.4
–
8.3
8.0
–
0.0
0.0
–
0.0
3.2
8.8
3.6
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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 ............................
2.8
3.9
7.3
5.7
7.8
3.6
3.1
4.9
6.4
6.7
10.4
8.6
–
–
9.4
3.3
4.9
–
–
–
3.0
2.4
0.0
0.0
–
13.3
–
–
–
–
0.0
14.5
–
–
–
0.0
0.0
5.2
0.0
–
10.2
–
–
–
–
0.0
2.0
–
–
–
7.1
6.2
7.1
8.8
–
2.9
–
–
–
–
20.1
18.4
–
–
–
0.0
0.0
0.0
0.0
–
9.8
–
–
–
–
1.7
10.4
–
–
–
13.6
2.8
0.0
14.0
–
0.0
–
–
–
–
2.8
3.9
7.3
5.7
7.8
3.8
3.1
4.9
6.4
6.3
10.1
8.6
1.5
1.7
9.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.1
0.1
–
Establishment characteristic
See footnotes at end of table.
Table 25. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National
Compensation Survey, 2010—Continued
Percent of earnings, up to Internal Revenue Code limit
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Percent
of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
4.0
5.3
6.5
2.9
3.5
4.4
0.7
3.2
1.4
3.1
0.8
1.4
0.0
0.0
6.7
0.0
2.2
1.7
9.8
9.8
5.9
0.0
7.2
0.0
19.1
21.2
10.6
13.0
3.4
20.0
0.0
0.0
12.6
6.9
1.4
0.0
3.9
5.3
6.5
2.8
3.6
4.5
–
–
–
–
–
–
–
–
–
–
–
–
6.0
3.5
5.9
5.9
5.0
7.4
9.7
6.1
6.1
–
3.5
2.5
–
1.1
4.8
–
–
7.0
–
5.4
0.0
–
7.7
0.0
–
–
9.5
–
0.0
9.4
–
0.0
8.8
–
–
0.0
–
13.5
0.0
–
2.9
2.0
–
–
16.9
–
5.1
19.5
–
0.0
16.8
–
–
1.0
6.0
3.6
5.9
5.1
5.3
7.4
7.7
6.1
6.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
( )
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
2 Less than 0.05.
NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 26. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National
Compensation Survey, 2010
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
Total
Specified
matching
percent
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
Other1
90th
percentile
Not
determinable
Worker characteristic
All workers ........................................................................
100
69
3
4
5
6
6
29
2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
73
68
77
75
61
68
71
66
74
65
79
57
56
58
3
3
3
3
4
3
3
3
3
3
3
3
4
3
4
4
4
4
5
4
4
4
4
4
4
4
4
4
5
5
5
5
5
5
5
5
6
5
6
6
6
5
6
6
6
6
5
6
6
6
6
6
6
6
6
6
6
6
6
6
5
6
6
6
7
7
7
6
6
6
25
32
20
25
–
30
28
31
24
–
21
42
41
42
2
1
3
2
( )
–
3
2
3
2
–
1
1
2
–
Full time ............................................................................
Part time ............................................................................
100
100
69
73
3
3
4
4
5
5
6
6
6
6
29
26
2
1
Union .................................................................................
Nonunion ...........................................................................
100
100
62
70
3
3
4
4
6
5
6
6
6
6
37
28
2
2
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
74
61
64
66
72
72
3
4
3
3
3
3
4
5
4
4
4
4
5
5
5
5
5
5
6
6
6
6
6
6
6
6
6
6
6
6
26
–
33
32
25
25
–
–
3
2
2
2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
63
72
62
4
3
4
4
4
4
6
6
6
6
6
6
8
6
8
34
–
35
3
–
3
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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
71
62
72
59
88
78
75
81
63
64
72
77
79
76
77
3
3
3
–
4
4
4
4
3
3
3
3
–
–
3
4
4
5
–
5
4
5
5
4
3
3
3
–
–
3
5
5
6
–
6
5
6
5
5
5
5
4
–
–
4
6
6
6
–
6
6
6
6
6
5
5
6
–
–
6
6
7
7
–
6
6
6
6
7
6
6
6
–
–
6
27
37
28
39
–
22
25
19
37
36
–
18
18
22
17
2
1
–
2
–
(2)
(2)
–
(2)
–
–
5
2
3
5
Establishment characteristic
See footnotes at end of table.
Table 26. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National
Compensation Survey, 2010—Continued
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Specified
matching
percent
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
Other1
90th
percentile
Not
determinable
100
100
100
100
100
100
74
76
70
66
66
66
3
3
3
3
3
3
4
3
4
4
4
4
5
5
5
5
5
5
6
6
6
6
6
6
6
6
6
6
6
6
22
20
28
32
33
32
4
4
2
1
2
( )
2
100
100
100
100
100
100
100
100
100
78
70
64
72
72
60
64
79
68
4
3
3
3
3
4
3
3
4
5
4
4
4
4
5
3
4
5
6
5
6
6
5
6
5
5
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
21
25
34
28
28
37
35
–
27
1
5
1
–
2
( )
2
1
–
5
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the
employer, varying contributions by the employer based on employee contributions or service, and
other matching methods.
2 Less than 0.5.
3 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 26. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2010
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ........................................................................
2.1
0.0
0.0
0.0
0.0
0.0
2.0
0.9
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.7
3.3
3.4
5.3
11.7
3.2
4.1
3.8
5.2
10.8
5.6
4.7
5.4
8.2
0.0
0.0
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.7
0.5
1.4
0.3
0.0
0.0
0.1
0.4
0.6
0.0
0.0
0.0
0.0
0.9
0.1
0.5
0.3
1.4
0.0
0.3
0.0
1.1
0.0
0.0
0.0
0.7
0.4
1.6
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
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.0
0.0
0.9
1.0
1.4
1.3
0.0
0.7
0.0
2.6
3.2
3.1
5.3
–
2.9
3.9
3.4
4.9
–
5.5
4.6
5.2
8.2
1.1
0.6
1.8
0.2
–
1.4
1.9
1.8
2.1
–
0.4
1.2
2.1
–
Full time ............................................................................
Part time ............................................................................
2.2
4.5
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.1
4.5
0.9
0.4
Union .................................................................................
Nonunion ...........................................................................
5.6
2.2
1.4
0.0
0.6
0.0
0.8
0.0
0.0
0.0
0.0
0.0
5.4
2.1
0.7
0.9
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.8
13.0
3.4
2.8
2.4
3.1
0.5
0.2
0.0
0.0
0.0
0.7
0.0
0.4
0.0
0.0
0.0
0.3
0.0
0.8
0.2
0.0
0.5
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.0
0.0
0.0
0.3
4.8
–
3.1
2.7
2.4
3.1
–
–
1.7
0.9
1.0
1.2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.6
8.4
4.2
0.8
0.5
0.5
1.0
0.2
1.3
0.0
0.8
0.0
0.0
0.0
0.0
0.9
2.1
0.8
3.4
–
3.9
2.0
–
2.4
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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 ............................
2.6
3.7
6.3
4.5
4.2
3.4
3.8
4.1
7.3
6.6
9.6
5.7
4.5
5.0
6.3
0.0
0.0
0.7
–
0.8
1.1
0.0
0.2
1.3
0.0
0.0
0.0
–
–
0.0
0.0
0.4
0.9
–
0.8
0.3
0.5
0.2
0.0
1.1
1.0
0.7
–
–
0.6
0.0
0.1
1.0
–
0.0
0.6
0.9
0.6
1.0
0.3
1.1
1.1
–
–
1.1
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
1.4
0.7
0.0
–
–
0.0
0.0
0.8
1.3
–
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
–
–
0.0
2.4
3.7
6.3
4.4
–
3.4
3.8
4.1
7.3
6.6
–
4.1
4.3
4.8
4.5
0.9
0.9
–
2.0
–
0.2
0.2
–
0.2
–
–
4.0
0.6
0.7
4.4
Establishment characteristic
See footnotes at end of table.
Table 26. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2010—Continued
Maximum employee contribution matched by employer
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
3.6
4.3
5.6
2.5
3.2
3.1
0.0
0.0
1.0
0.0
0.0
0.0
0.9
1.4
0.0
0.0
0.6
0.0
0.0
0.3
0.7
0.6
0.8
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.0
2.8
3.5
5.5
2.4
3.2
2.9
2.1
2.9
1.5
0.8
0.3
1.5
4.4
6.4
5.8
3.4
4.8
9.5
8.5
5.8
5.0
0.0
0.0
0.0
0.3
0.0
0.2
0.0
0.0
0.0
0.7
0.0
0.0
0.5
0.0
0.0
0.4
1.6
0.6
0.0
0.0
1.4
0.0
0.1
0.0
1.3
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.1
2.3
0.3
0.0
0.0
0.0
1.2
0.0
0.0
4.4
4.1
5.7
3.4
4.9
10.8
8.6
–
4.3
0.3
4.4
0.9
–
0.2
2.1
1.1
–
4.0
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the
employer, varying contributions by the employer based on employee contributions or service,
and other matching methods.
2 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 27. Savings and thrift plans: Method of employer matching contributions, private industry workers, National Compensation
Survey, 2010
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ........................................................................
100
69
25
50
50
100
100
29
2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
73
68
77
75
61
68
71
66
74
65
79
57
56
58
25
–
25
–
–
30
40
25
–
–
50
–
–
–
50
–
50
–
–
50
50
50
–
–
50
–
–
–
66
–
50
–
–
100
100
75
–
–
50
–
–
–
100
–
100
–
–
100
100
100
–
–
100
–
–
–
100
–
100
–
–
100
100
100
–
–
100
–
–
–
25
32
20
25
–
30
28
31
24
–
21
42
41
42
2
1
3
2
( )
–
3
2
3
2
–
1
1
2
–
Full time ............................................................................
Part time ............................................................................
100
100
69
73
25
–
50
–
50
–
100
–
100
–
29
26
2
1
Union .................................................................................
Nonunion ...........................................................................
100
100
62
70
50
25
50
50
66
50
100
100
100
100
37
28
2
2
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
100
74
61
64
66
72
72
25
–
25
25
25
–
50
–
50
50
50
–
50
–
50
50
75
–
100
–
100
100
100
–
100
–
100
100
100
–
26
–
33
32
25
25
–
–
3
2
2
2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
63
72
62
25
–
25
50
–
50
50
–
50
100
–
100
100
–
100
34
–
35
3
–
3
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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
71
62
72
59
88
78
75
81
63
64
72
77
79
76
77
25
25
–
40
50
50
50
50
50
25
–
–
–
–
–
50
50
–
50
50
50
65
100
50
50
–
–
–
–
–
75
70
–
100
80
100
100
100
100
100
–
–
–
–
–
100
100
–
100
100
100
100
100
100
100
–
–
–
–
–
100
100
–
100
100
100
100
100
100
100
–
–
–
–
–
27
37
28
39
–
22
25
19
37
36
–
18
18
22
17
2
1
–
2
–
(2)
(2)
–
(2)
–
–
5
2
3
5
Establishment characteristic
See footnotes at end of table.
Table 27. Savings and thrift plans: Method of employer matching contributions, private industry workers, National Compensation
Survey, 2010—Continued
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
100
100
100
100
100
100
74
76
70
66
66
66
25
25
25
35
–
35
50
50
25
50
–
50
50
50
50
66
–
75
100
100
100
100
–
100
100
100
100
100
–
100
22
20
28
32
33
32
4
4
2
1
2
( )
2
100
100
100
100
100
100
100
100
100
78
70
64
72
72
60
64
79
68
–
–
25
–
–
25
50
–
25
–
–
35
–
–
50
50
–
50
–
–
50
–
–
50
50
–
100
–
–
100
–
–
100
100
–
100
–
–
100
–
–
100
100
–
100
21
25
34
28
28
37
35
–
27
1
5
1
–
2
( )
2
1
–
5
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the
employer, varying contributions by the employer based on employee contributions or service, and
other matching methods.
2 Less than 0.5.
3 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 27. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2010
Specified matching percent
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
Worker characteristic
All workers ........................................................................
2.1
0.0
0.0
8.0
0.0
0.0
2.0
0.9
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
2.7
3.3
3.4
5.3
11.7
3.2
4.1
3.8
5.2
10.8
5.6
4.7
5.4
8.2
2.0
–
2.0
–
–
8.8
16.3
8.7
–
–
5.9
–
–
–
0.0
–
4.2
–
–
0.0
0.0
0.0
–
–
0.0
–
–
–
16.7
–
6.5
–
–
28.7
0.0
21.0
–
–
22.6
–
–
–
0.0
–
0.0
–
–
0.0
0.0
0.0
–
–
3.5
–
–
–
0.0
–
0.0
–
–
0.0
0.0
0.0
–
–
0.0
–
–
–
2.6
3.2
3.1
5.3
–
2.9
3.9
3.4
4.9
–
5.5
4.6
5.2
8.2
1.1
0.6
1.8
0.2
–
1.4
1.9
1.8
2.1
–
0.4
1.2
2.1
–
Full time ............................................................................
Part time ............................................................................
2.2
4.5
0.0
–
0.0
–
9.4
–
0.0
–
0.0
–
2.1
4.5
0.9
0.4
Union .................................................................................
Nonunion ...........................................................................
5.6
2.2
21.3
0.0
0.0
0.0
18.2
7.9
17.1
0.0
0.0
0.0
5.4
2.1
0.7
0.9
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
4.8
13.0
3.4
2.8
2.4
3.1
10.0
–
0.0
0.0
7.0
–
0.0
–
3.5
0.0
0.0
–
9.8
–
0.0
4.8
9.9
–
0.0
–
0.0
0.0
0.0
–
0.0
–
0.0
0.0
0.0
–
4.8
–
3.1
2.7
2.4
3.1
–
–
1.7
0.9
1.0
1.2
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.6
8.4
4.2
0.0
–
0.0
0.0
–
0.0
0.0
–
0.0
22.5
–
33.4
0.0
–
0.0
3.4
–
3.9
2.0
–
2.4
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Retail trade ................................................................
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 ............................
2.6
3.7
6.3
4.5
4.2
3.4
3.8
4.1
7.3
6.6
9.6
5.7
4.5
5.0
6.3
2.8
3.8
–
16.8
0.0
2.9
0.0
0.0
0.0
9.8
–
–
–
–
–
0.0
0.0
–
0.0
7.0
2.9
24.2
47.3
0.0
0.0
–
–
–
–
–
18.3
34.1
–
0.0
5.3
0.0
0.0
0.0
19.5
4.9
–
–
–
–
–
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
0.0
0.0
–
19.6
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
2.4
3.7
6.3
4.4
–
3.4
3.8
4.1
7.3
6.6
–
4.1
4.3
4.8
4.5
0.9
0.9
–
2.0
–
0.2
0.2
–
0.2
–
–
4.0
0.6
0.7
4.4
Establishment characteristic
See footnotes at end of table.
Table 27. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2010—Continued
Specified matching percent
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other1
Not
determinable
3.6
4.3
5.6
2.5
3.2
3.1
0.0
0.0
0.0
3.6
–
7.2
10.1
0.0
4.9
0.0
–
0.0
0.0
6.2
0.0
15.5
–
20.7
0.0
0.0
9.6
0.0
–
0.0
0.0
0.0
0.0
0.0
–
0.0
2.8
3.5
5.5
2.4
3.2
2.9
2.1
2.9
1.5
0.8
0.3
1.5
4.4
6.4
5.8
3.4
4.8
9.5
8.5
5.8
5.0
–
–
5.9
–
–
4.8
0.0
–
0.0
–
–
16.4
–
–
13.9
0.0
–
0.0
–
–
0.0
–
–
19.8
0.0
–
8.8
–
–
6.8
–
–
0.0
0.0
–
0.0
–
–
0.0
–
–
0.0
0.0
–
0.0
4.4
4.1
5.7
3.4
4.9
10.8
8.6
–
4.3
0.3
4.4
0.9
–
0.2
2.1
1.1
–
4.0
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
East South Central ............................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the
employer, varying contributions by the employer based on employee contributions or service,
and other matching methods.
2 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 28. Savings and thrift plans: Maximum potential employer contribution,1 private industry
workers, National Compensation Survey, 2010
(Includes all workers participating in savings and thrift plans that specify matching contributions)
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
1.5
2.0
3.0
4.8
6.0
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
1.5
1.5
1.3
1.5
2.5
1.5
1.5
1.5
1.5
1.5
1.5
1.3
1.3
1.3
2.0
3.0
2.0
1.5
3.0
2.5
2.5
2.5
2.0
2.0
3.0
2.0
2.0
2.0
3.0
4.0
3.0
2.5
5.0
3.0
4.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
5.0
5.0
4.8
4.0
5.0
5.0
5.0
5.0
4.0
4.0
4.5
3.5
3.0
4.0
6.0
6.0
6.0
5.0
5.0
6.0
6.0
6.0
5.0
4.0
6.0
5.0
5.0
5.0
Full time ............................................................................
Part time ............................................................................
1.5
2.0
2.0
2.1
3.0
3.0
4.8
5.0
6.0
5.0
Union .................................................................................
Nonunion ...........................................................................
1.5
1.5
2.0
2.0
3.0
3.0
4.5
5.0
5.0
6.0
Average wage within the following categories:2
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
1.5
1.5
1.5
1.3
1.5
1.5
2.0
2.5
2.0
2.0
2.5
3.0
3.0
4.0
3.0
3.0
3.5
4.0
4.0
5.0
4.0
4.0
5.0
5.0
5.0
6.0
5.0
5.1
6.0
6.0
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
1.5
1.5
1.3
2.0
2.0
2.0
3.0
3.0
3.0
4.0
4.0
4.0
6.0
4.0
6.0
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Education and health services ......................................
Health care and social assistance ............................
1.5
1.5
1.5
2.0
3.0
3.0
2.5
1.3
1.5
1.5
2.1
2.5
2.0
3.0
3.0
3.0
3.0
3.0
1.5
1.5
3.0
3.5
3.0
4.0
5.0
5.0
3.9
3.0
2.1
2.0
5.0
5.0
4.0
5.0
6.0
6.0
5.0
4.8
3.0
3.0
6.0
5.0
5.0
6.0
6.0
6.0
6.0
5.0
4.0
3.0
Establishment characteristic
See footnotes at end of table.
Table 28. Savings and thrift plans: Maximum potential employer contribution,1 private industry
workers, National Compensation Survey, 2010—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
1.3
1.3
1.0
1.5
1.5
2.0
1.5
1.5
1.5
2.1
2.5
2.1
3.0
3.0
3.0
3.0
3.0
3.5
4.0
4.0
4.0
5.0
5.0
5.0
5.0
6.0
5.0
6.0
5.0
6.0
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
South Atlantic ....................................................................
East South Central ............................................................
Mountain ...........................................................................
Pacific ...............................................................................
1.5
1.0
1.5
1.5
1.5
1.3
1.3
3.0
2.5
2.1
2.0
3.0
2.0
3.0
3.6
3.6
3.0
3.0
3.0
3.0
4.0
5.0
5.0
4.0
4.0
5.0
4.0
5.0
6.0
6.0
5.0
5.0
6.0
6.0
6.0
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 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published
in the "National Compensation Survey: Occupational Earnings in the
United States, 2009." See Technical Note for more details.
Geographic area
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/glossary20102011.htm.
Table 28. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, National Compensation Survey, 2010
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristic
All workers ........................................................................
0.1
0.1
0.0
0.3
0.4
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Protective service ..........................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Installation, maintenance, and repair ............................
Production, transportation, and material moving ..............
Production .....................................................................
Transportation and material moving .............................
0.3
0.0
0.3
0.4
0.3
0.1
0.3
0.4
0.0
0.0
0.5
0.2
0.3
0.3
0.2
0.0
0.3
0.5
1.5
0.6
0.7
0.7
0.9
0.8
0.4
0.1
0.2
0.8
0.0
0.6
0.0
0.7
0.7
0.5
0.0
0.1
0.2
0.3
0.5
0.0
0.0
0.1
0.1
0.0
0.8
0.6
0.0
0.0
0.0
0.3
0.3
0.5
0.7
0.7
0.5
0.7
0.1
0.0
1.3
0.3
0.0
0.0
0.0
0.2
0.8
1.1
1.3
0.4
1.3
0.3
Full time ............................................................................
Part time ............................................................................
0.2
(2)
0.1
0.6
0.0
0.0
0.3
1.5
0.2
0.2
Union .................................................................................
Nonunion ...........................................................................
0.2
0.2
0.2
0.1
0.0
0.0
0.7
0.4
0.1
0.2
Average wage within the following categories:3
Lowest 25 percent .........................................................
Lowest 10 percent .....................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
0.0
0.3
0.2
0.2
0.1
0.0
0.4
0.5
0.0
0.1
0.7
0.2
0.0
1.2
0.0
0.0
0.7
(2)
0.3
0.9
0.1
(2)
(2)
0.0
0.0
0.8
0.3
0.9
0.0
0.0
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
0.4
0.3
0.3
0.1
0.8
0.4
0.0
0.0
0.0
0.2
1.0
0.9
1.1
1.1
0.3
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Wholesale trade ........................................................
Financial activities .........................................................
Finance and insurance ..............................................
Credit intermediation and related activities ...........
Insurance carriers and related activities ...............
Professional and business services ..............................
Education and health services ......................................
Health care and social assistance ............................
0.1
0.0
0.1
0.3
0.2
0.0
0.3
0.1
0.1
(2)
0.2
0.3
0.8
0.0
0.1
0.5
0.0
0.6
0.4
0.3
0.0
0.3
0.1
0.5
0.4
0.0
0.5
0.0
0.1
0.1
0.2
0.7
1.1
1.5
0.3
1.0
0.6
1.1
0.0
0.4
0.4
0.4
1.2
0.0
0.0
0.0
0.0
0.3
1.2
0.5
Establishment characteristic
See footnotes at end of table.
Table 28. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, National Compensation Survey, 2010—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
0.3
0.1
0.0
0.3
0.0
0.5
0.1
0.5
0.2
0.5
0.4
0.4
0.0
0.0
0.0
0.0
0.0
0.8
0.3
0.5
0.5
0.1
0.4
0.1
1.1
0.6
0.0
0.2
0.3
0.0
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
South Atlantic ....................................................................
East South Central ............................................................
Mountain ...........................................................................
Pacific ...............................................................................
0.0
0.2
0.5
0.0
0.0
0.1
0.2
0.0
0.8
0.1
0.6
1.5
0.4
1.2
0.7
0.8
0.3
0.0
0.3
0.0
0.6
0.8
0.0
0.8
0.0
0.6
1.0
0.0
0.5
0.0
0.0
0.5
0.7
0.3
0.8
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 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published
in the "National Compensation Survey: Occupational Earnings in the
United States, 2009." See Technical Note for more details.
Geographic area
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/glossary20102011.htm.
Table 29. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2010
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
Total
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
service
requirement requirement
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristic
All workers ........................................................................
100
81
69
21
12
11
1
19
(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
Production, transportation, and material moving ..............
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
73
69
74
93
88
91
87
87
97
79
97
61
60
62
79
81
88
79
64
74
65
82
21
21
21
21
21
21
21
21
21
21
21
12
12
12
–
12
12
12
12
12
12
12
10
–
11
–
7
–
8
23
–
13
–
1
–
1
–
1
–
1
1
–
(1)
–
27
31
26
–
12
–
12
–
–
21
–
–
–
–
–
(1)
–
(1)
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
79
94
67
87
21
21
12
12
12
7
1
(1)
21
–
(1)
–
Union .................................................................................
Nonunion ...........................................................................
100
100
90
76
74
66
21
21
12
12
15
9
1
1
10
24
(1)
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
91
87
85
74
68
84
78
72
61
56
21
21
21
21
21
12
12
12
12
12
–
9
13
12
10
–
1
( )
1
1
–
13
15
26
32
–
–
( )
1
( )
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
68
100
63
54
82
50
21
–
21
12
12
12
13
–
12
1
–
1
32
–
37
–
–
–
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
85
93
63
93
94
95
90
53
91
98
96
91
73
82
45
88
89
94
79
38
80
64
56
82
21
21
–
21
21
21
21
21
21
21
21
21
12
12
12
12
12
12
12
12
12
–
–
12
11
12
–
–
–
–
–
–
–
34
41
–
1
–
–
–
–
–
–
–
–
–
–
–
15
–
37
7
6
–
–
47
–
–
–
–
(1)
–
1
–
–
–
–
–
–
–
–
–
1
1
Establishment characteristic
See footnotes at end of table.
Table 29. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2010—Continued
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
service
requirement requirement
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
100
100
100
100
100
100
88
88
87
79
83
77
78
82
72
66
72
63
21
21
21
21
21
21
12
12
12
12
12
12
–
–
–
12
10
13
–
–
–
1
2
1
–
–
–
21
17
23
–
–
–
(1)
–
(1)
100
100
100
100
100
100
100
100
67
89
82
89
80
82
79
80
58
72
73
74
71
61
65
71
21
21
21
21
21
21
21
21
12
12
12
12
12
12
12
12
–
17
7
–
9
–
–
–
–
(1)
2
–
(1)
–
–
–
33
11
18
–
–
–
21
–
–
–
–
–
–
–
(1)
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
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/glossary20102011.htm.
Table 29. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National Compensation
Survey, 2010
Open to new employees
Characteristics
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
requirement requirement
service
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristic
All workers ........................................................................
2.3
2.5
0.0
0.0
1.6
0.4
2.3
(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
Production, transportation, and material moving ..............
Transportation and material moving .............................
4.3
5.2
4.9
3.3
2.0
4.7
2.1
5.8
1.7
3.5
1.3
4.5
5.0
5.7
5.9
2.5
5.0
2.6
7.3
9.7
3.8
4.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.5
–
3.1
–
1.4
–
1.7
6.3
–
2.8
–
0.8
–
0.5
–
0.3
–
0.4
0.8
–
0.1
–
4.3
5.2
4.9
–
2.0
–
2.1
–
–
3.5
–
–
–
–
–
0.1
–
0.1
–
–
–
–
Full time ............................................................................
Part time ............................................................................
2.4
2.1
2.7
2.8
0.0
0.0
0.0
0.0
1.8
2.0
0.5
0.3
2.4
–
(1)
–
Union .................................................................................
Nonunion ...........................................................................
1.8
3.4
3.7
3.8
0.0
0.0
0.0
0.0
3.3
1.6
0.8
0.3
1.8
3.4
0.1
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
6.5
3.0
2.5
3.5
5.0
6.9
3.4
3.3
3.6
4.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
1.8
3.3
2.3
2.5
–
0.4
0.2
0.8
0.5
–
3.0
2.5
3.5
5.0
–
–
0.1
1
( )
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
4.3
0.0
5.2
4.2
8.6
5.0
0.0
–
0.0
0.0
1.2
0.0
2.3
–
2.4
0.4
–
0.5
4.3
–
5.2
–
–
–
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
2.7
3.0
9.9
2.0
1.6
2.2
3.4
10.5
3.2
0.6
0.9
3.6
3.3
4.2
10.3
2.2
2.2
2.1
5.5
9.4
5.3
10.2
7.5
5.7
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
2.1
3.4
–
–
–
–
–
–
–
10.0
7.3
–
0.6
–
–
–
–
–
–
–
–
–
–
–
2.7
–
9.8
2.0
1.6
–
–
10.5
–
–
–
–
(1)
–
0.4
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 29. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National Compensation
Survey, 2010—Continued
Open to new employees
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Plans open to
new
employees
With
Age and
Median
No minimum
minimum
service
service
age or
Median age
age or
requirement
requirement requirement
service
service
not
(in months) requirement
requirement
determinable
Plans not
open to new
employees
Not
determinable
4.8
5.6
8.6
2.4
4.7
2.8
6.1
6.6
10.2
2.6
4.3
3.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.9
0.0
0.0
0.0
0.0
–
–
–
1.9
2.4
2.4
–
–
–
0.6
1.5
0.2
–
–
–
2.4
4.7
2.8
–
–
–
1
( )
–
(1)
9.5
2.9
3.6
4.9
6.7
8.0
6.5
8.1
7.9
4.3
4.3
6.5
6.9
8.4
10.8
9.4
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
–
4.6
1.5
–
2.4
–
–
–
–
0.3
1.7
–
0.1
–
–
–
9.5
2.9
3.6
–
–
–
6.2
–
–
–
–
–
–
–
0.4
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 30. Defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2010
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Single
employer
Total
Multiemployer1
Other
Worker characteristic
All workers ........................................................................
100
82
–
–
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
Production, transportation, and material moving ..............
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
96
98
94
60
87
79
89
54
–
72
67
–
–
–
–
–
–
–
–
75
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
82
77
–
23
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
59
94
–
–
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
74
83
73
88
94
26
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
75
–
86
25
99
14
–
–
–
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
84
66
91
99
99
99
100
99
82
83
86
82
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 30. Defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2010—Continued
(All workers participating in defined benefit plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Single
employer
Total
Multiemployer1
Other
100
100
100
100
100
100
64
64
63
86
74
93
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
91
71
85
83
91
92
94
65
–
29
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Plans established by a labor organization and provided to
employees of two or more unrelated companies in accordance
with a collective bargaining agreement.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not
equal totals. 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/glossary20102011.htm.
Table 30. Standard errors for defined benefit plans: Plan sponsor, private
industry workers, National Compensation Survey, 2010
Characteristics
Single
employer
Multiemployer1
Other
Worker characteristic
All workers ........................................................................
2.8
–
–
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
Production, transportation, and material moving ..............
Transportation and material moving .............................
0.8
0.7
1.3
11.9
3.3
5.7
3.5
6.3
–
4.3
6.5
–
–
–
–
–
–
–
–
8.2
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
2.7
6.2
–
6.2
–
–
Union .................................................................................
Nonunion ...........................................................................
3.4
3.3
–
–
–
–
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
5.9
3.1
6.3
1.9
1.7
5.9
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.7
–
3.7
3.7
1.1
3.7
–
–
–
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
3.5
5.3
4.9
0.5
0.6
1.2
0.0
1.0
9.7
10.1
7.3
10.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 30. Standard errors for defined benefit plans: Plan sponsor, private
industry workers, National Compensation Survey, 2010—Continued
Single
employer
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Multiemployer1
Other
8.2
11.3
8.6
1.7
3.3
1.5
–
–
–
–
–
–
–
–
–
–
–
–
4.5
3.1
3.4
4.7
3.6
1.9
3.2
14.1
–
3.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Plans established by a labor organization and
provided to employees of two or more unrelated
companies in accordance with a collective bargaining
agreement.
2 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical
Note for more details.
NOTE: 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/glossary20102011.htm.
Table 31. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2010
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
Total
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
amount
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
Worker characteristic
All workers ........................................................................
100
64
32
11
18
3
36
31
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
Production, transportation, and material moving ..............
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
50
52
48
–
59
59
58
75
–
86
–
34
35
34
52
30
28
31
24
–
25
21
11
–
10
–
–
–
14
–
–
–
25
–
–
–
–
15
–
–
31
42
42
43
–
–
–
–
–
–
–
–
–
–
–
50
48
52
–
41
41
42
25
–
14
–
42
40
44
–
40
38
41
–
–
10
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
63
77
33
25
11
–
16
38
3
–
37
23
31
23
6
–
–
–
Union .................................................................................
Nonunion ...........................................................................
100
100
84
54
22
38
10
12
45
–
7
–
16
46
11
41
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
72
68
73
57
52
21
33
36
31
33
–
–
12
12
–
42
23
21
–
7
–
–
4
–
–
28
32
27
43
48
–
30
23
36
37
–
–
–
7
11
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
78
–
78
27
–
29
–
–
–
40
46
42
–
–
–
22
–
22
19
–
21
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
60
84
–
37
35
19
62
63
58
–
–
54
34
35
–
27
25
–
47
39
42
–
28
43
13
–
–
10
11
–
–
–
–
56
55
–
–
32
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
40
16
–
63
65
81
38
37
42
–
–
46
34
9
66
62
63
79
38
27
–
–
–
44
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 31. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2010—Continued
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
amount
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
100
100
100
100
100
100
67
63
–
64
76
57
38
–
39
30
29
31
–
–
–
–
–
–
–
–
–
20
32
13
–
–
–
–
–
–
33
37
–
36
24
43
30
36
–
31
20
37
–
–
–
6
–
7
–
–
–
–
–
–
100
100
100
100
100
100
100
100
50
67
63
69
64
77
54
–
–
–
22
35
36
56
42
39
13
16
–
–
–
–
–
14
–
–
27
14
21
–
–
–
–
–
–
–
–
–
–
–
50
33
37
31
36
23
46
–
40
25
–
30
34
21
43
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 31. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation Survey,
2010
Traditional plan formula
Characteristics
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
amount
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
Worker characteristic
All workers ........................................................................
3.4
3.2
1.6
2.0
0.7
3.4
3.4
1.2
–
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
5.2
5.2
6.7
–
4.3
7.9
4.3
6.8
–
2.7
–
4.3
5.5
5.2
13.2
3.5
7.1
3.5
5.2
–
3.7
5.1
3.0
–
3.0
–
–
–
2.7
–
–
–
6.2
–
–
–
–
3.8
–
–
6.0
10.4
4.3
6.7
–
–
–
–
–
–
–
–
–
–
–
5.2
5.2
6.7
–
4.3
7.9
4.3
6.8
–
2.7
–
5.6
5.2
7.5
–
4.1
7.6
4.2
–
–
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
3.3
6.3
3.3
5.5
1.6
–
1.7
7.1
0.8
–
3.3
6.3
3.3
6.3
1.4
–
–
–
Union .................................................................................
Nonunion ...........................................................................
3.3
4.5
4.2
4.0
2.1
2.0
3.6
–
1.6
–
3.3
4.5
2.3
4.4
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
8.1
5.3
3.2
3.9
4.9
5.1
5.5
5.2
3.5
4.9
–
–
2.1
2.2
–
8.0
4.3
3.0
–
1.4
–
–
1.1
–
–
8.1
5.3
3.2
3.9
4.9
–
5.3
2.8
4.2
5.1
–
–
–
1.8
3.0
–
–
–
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
3.1
–
3.8
3.4
–
3.9
–
–
–
4.1
11.5
4.6
–
–
–
3.1
–
3.8
3.2
–
3.8
–
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
4.2
4.4
–
3.7
3.7
5.0
6.1
10.7
12.3
–
–
12.8
4.0
5.4
–
3.5
3.3
–
6.7
10.8
10.3
–
5.9
11.3
2.0
–
–
2.6
2.6
–
–
–
–
12.4
7.5
–
–
6.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.2
4.4
–
3.7
3.7
5.0
6.1
10.7
12.3
–
–
12.8
4.2
2.5
9.7
3.7
3.7
5.4
6.1
8.0
–
–
–
13.0
1.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 31. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation Survey,
2010—Continued
Traditional plan formula
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
amount
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
7.0
8.7
–
3.9
3.9
4.6
9.4
–
9.8
3.0
5.1
3.6
–
–
–
–
–
–
–
–
–
2.0
3.5
2.0
–
–
–
–
–
–
7.0
8.7
–
3.9
3.9
4.6
6.7
8.4
–
4.0
3.9
5.0
–
–
–
1.5
–
1.9
–
–
–
–
–
–
7.7
5.0
9.7
3.1
5.7
5.7
11.2
–
–
–
4.8
4.3
4.2
8.5
11.2
11.6
3.3
3.7
–
–
–
–
–
3.3
–
–
4.5
2.8
5.5
–
–
–
–
–
–
–
–
–
–
–
7.7
5.0
9.7
3.1
5.7
5.7
11.2
–
11.4
3.1
–
2.2
5.5
5.3
9.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 32. Defined benefit plans: Summary of plan provisions,
private industry workers, National Compensation Survey, 2010
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Benefits
subject to a
maximum
Disability
retirement
benefits
available
Worker characteristic
All workers ........................................................................
27
58
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
Production, transportation, and material moving ..............
Transportation and material moving .............................
28
34
24
19
28
–
31
18
–
32
37
44
41
45
76
51
49
52
81
84
75
83
Full time ............................................................................
Part time ............................................................................
27
29
58
66
Union .................................................................................
Nonunion ...........................................................................
24
28
83
45
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
29
30
28
25
27
67
62
65
51
44
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
28
–
32
69
84
66
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
27
30
–
25
23
–
46
48
19
–
–
20
55
73
49
44
43
46
48
–
54
42
40
55
Establishment characteristic
See footnotes at end of table.
Table 32. Defined benefit plans: Summary of plan provisions,
private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in defined benefit plans = 100 percent)
Benefits
subject to a
maximum
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 .....................................................
Disability
retirement
benefits
available
18
–
28
29
32
28
63
64
61
57
60
56
23
21
31
27
25
–
–
44
60
58
62
60
63
57
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Pacific ...............................................................................
1 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2009." See
Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 32. Standard errors for defined benefit plans: Summary of
plan provisions, private industry workers, National
Compensation Survey, 2010
Characteristics
Benefits
subject to a
maximum
Disability
retirement
benefits
available
Worker characteristic
All workers ........................................................................
2.7
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
Production, transportation, and material moving ..............
Transportation and material moving .............................
4.4
5.2
4.8
5.5
3.2
–
3.4
4.7
–
4.4
6.8
4.6
4.2
6.5
7.2
3.5
6.9
3.4
4.5
7.3
3.9
4.3
Full time ............................................................................
Part time ............................................................................
2.8
5.4
3.0
6.3
Union .................................................................................
Nonunion ...........................................................................
4.2
3.6
2.5
3.9
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
6.7
4.2
3.3
3.9
5.2
7.8
5.1
3.9
3.5
4.1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
5.3
–
6.3
3.8
8.7
4.9
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
3.1
4.5
–
3.5
3.4
–
6.9
9.3
5.0
–
–
5.4
3.6
5.4
11.6
4.3
4.1
6.7
7.4
–
11.4
11.6
8.2
12.6
Establishment characteristic
See footnotes at end of table.
Table 32. Standard errors for defined benefit plans: Summary of
plan provisions, private industry workers, National
Compensation Survey, 2010—Continued
Benefits
subject to a
maximum
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 .....................................................
Disability
retirement
benefits
available
4.5
–
6.6
3.3
4.8
3.9
5.9
8.1
9.2
3.3
4.0
4.4
6.2
4.3
6.6
5.9
4.5
–
–
8.2
5.2
7.8
10.3
4.8
9.0
8.6
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Pacific ...............................................................................
1 The categories are based on the average
wage for each occupation surveyed, which may
include workers with earnings both above and
below the threshold. The average wages are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2009." See
Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 33. Defined benefit plans: Availability of selected benefit features, private industry workers, National
Compensation Survey, 2010
(In percent)
Lump sum at normal
retirement
Joint-and-survivor
annuity
Disability retirement
Preretirement survivor
benefits
Characteristics
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Worker characteristic
All workers ........................................................................
24
96
71
36
98
98
91
75
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
16
19
–
–
38
34
21
–
20
24
95
97
93
97
98
97
–
–
–
–
54
–
60
85
67
68
88
92
79
83
33
35
32
–
30
29
–
–
–
–
100
99
100
100
100
100
99
100
95
96
98
100
96
98
99
99
–
–
–
–
90
87
92
94
94
93
96
96
86
91
79
64
88
84
56
62
–
–
–
–
Full time ............................................................................
Part time ............................................................................
22
39
95
100
70
79
37
–
98
98
98
95
90
96
75
72
Union .................................................................................
Nonunion ...........................................................................
22
25
97
96
90
55
48
33
99
98
99
98
97
86
92
72
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
49
21
29
16
–
–
98
99
93
93
77
74
75
65
52
–
37
41
33
34
97
97
97
100
100
–
99
99
98
97
95
87
91
91
89
–
70
76
77
78
Goods-producing industries ..............................................
Manufacturing ...............................................................
20
–
–
–
77
75
–
–
97
97
–
–
86
83
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
25
34
28
30
–
–
98
–
–
–
97
97
68
80
63
61
71
76
35
–
–
–
–
–
99
97
100
100
100
100
98
–
–
–
94
94
93
96
94
93
91
91
72
–
–
–
89
90
Establishment characteristic
See footnotes at end of table.
Table 33. Defined benefit plans: Availability of selected benefit features, private industry workers, National
Compensation Survey, 2010—Continued
(In percent)
Lump sum at normal
retirement
Disability retirement
Joint-and-survivor
annuity
Preretirement survivor
benefits
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 .....................................................
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
37
–
30
20
26
16
–
–
–
96
100
95
72
80
–
71
67
73
–
–
–
34
35
34
96
100
89
99
98
100
–
–
–
98
100
97
93
100
82
90
89
91
–
–
–
78
64
82
–
10
24
33
–
–
–
–
–
99
100
–
88
–
–
–
–
64
80
77
70
69
65
73
–
52
–
–
42
–
–
–
100
100
98
96
100
99
94
100
–
99
99
–
100
–
–
–
80
87
90
90
85
99
90
99
–
77
81
–
73
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for more
details.
NOTE: 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/glossary20102011.htm.
Table 33. Standard errors for defined benefit plans: Availability of selected benefit features, private industry
workers, National Compensation Survey, 2010
Lump sum at normal
retirement
Joint-and-survivor
annuity
Disability retirement
Preretirement survivor
benefits
Characteristics
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Worker characteristic
All workers ........................................................................
3.7
1.8
3.0
5.0
0.7
0.7
1.9
3.9
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
4.1
5.0
–
–
4.8
5.5
4.6
–
4.4
5.7
2.5
1.8
3.6
2.7
1.0
1.3
–
–
–
–
6.1
–
6.0
5.4
4.4
4.1
3.7
4.9
4.0
4.4
6.6
4.5
9.0
–
4.8
5.0
–
–
–
–
0.3
0.4
0.4
0.0
0.2
0.2
0.8
0.0
2.2
3.0
1.3
0.0
2.1
1.3
0.3
0.4
–
–
–
–
3.8
6.6
3.4
3.1
1.6
2.0
2.2
3.6
3.6
3.3
4.3
5.0
3.7
7.0
6.1
5.9
–
–
–
–
Full time ............................................................................
Part time ............................................................................
3.9
6.2
1.9
0.0
3.5
5.4
4.9
–
0.8
1.4
0.7
3.3
2.1
2.1
3.8
9.9
Union .................................................................................
Nonunion ...........................................................................
3.5
5.6
2.4
1.9
2.0
4.8
10.0
5.5
0.7
1.3
0.6
0.9
1.1
2.9
4.7
4.6
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
7.3
4.6
8.0
3.5
–
–
1.9
0.4
3.0
3.2
7.1
4.3
4.7
4.9
6.5
–
8.6
5.2
5.5
6.4
2.0
2.3
1.5
0.2
0.4
–
0.5
0.6
1.2
2.1
2.5
3.8
2.6
2.7
4.3
–
7.4
4.1
3.9
3.9
Goods-producing industries ..............................................
Manufacturing ...............................................................
4.5
–
–
–
4.2
5.3
–
–
1.9
2.4
–
–
3.7
4.6
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
4.5
5.1
7.1
7.3
–
–
1.6
–
–
–
2.5
2.6
3.8
4.6
5.7
6.0
6.5
7.6
5.5
–
–
–
–
–
0.7
2.0
0.0
0.0
0.0
0.0
0.9
–
–
–
4.0
4.1
2.0
2.0
3.5
3.7
3.9
4.4
4.8
–
–
–
6.0
5.7
Establishment characteristic
See footnotes at end of table.
Table 33. Standard errors for defined benefit plans: Availability of selected benefit features, private industry
workers, National Compensation Survey, 2010—Continued
Lump sum at normal
retirement
Disability retirement
Joint-and-survivor
annuity
Preretirement survivor
benefits
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 .....................................................
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
11.0
–
6.7
3.0
5.5
2.9
–
–
–
1.6
0.0
2.2
6.3
7.2
–
3.3
6.0
3.4
–
–
–
5.5
8.6
6.5
2.6
0.0
6.2
0.7
1.6
0.2
–
–
–
0.9
0.4
1.2
3.3
0.2
7.7
2.0
3.9
2.3
–
–
–
4.1
8.0
4.2
–
1.9
5.2
8.7
–
–
–
–
–
0.4
0.1
–
8.9
–
–
–
–
5.7
4.4
12.5
6.6
8.4
11.4
11.1
–
6.0
–
–
7.8
–
–
–
0.0
0.0
1.7
4.0
0.0
0.8
4.6
0.1
–
0.4
0.8
–
0.0
–
–
–
12.2
3.9
3.9
8.9
6.1
0.8
6.9
0.4
–
4.5
8.5
–
6.4
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for more
details.
NOTE: 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/glossary20102011.htm.
Table 34. Defined benefit plans: Maximum benefit provisions, private industry workers, National Compensation Survey, 2010
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Total
Subject to
maximum
years of
credited
service
Maximum years of credited service
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not subject to
maximum
years of
credited
service
Not
determinable
Worker characteristic
All workers ........................................................................
100
27
30
30
35
35
40
72
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
Production, transportation, and material moving ..............
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
28
34
24
19
28
–
31
18
–
32
37
30
30
30
30
30
–
30
25
–
25
30
30
30
30
35
30
–
30
30
–
30
30
35
35
35
35
35
–
35
30
–
30
35
35
35
35
40
40
–
40
35
–
35
35
40
40
40
40
45
–
45
35
–
35
35
72
66
75
81
71
86
67
81
78
68
63
1
1
1
(1)
1
–
2
1
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
27
29
30
30
30
35
35
40
35
45
40
45
73
71
1
1
Union .................................................................................
Nonunion ...........................................................................
100
100
24
28
30
28
30
30
35
35
40
35
45
40
75
71
(1)
1
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
29
30
28
25
27
30
25
30
30
30
30
30
30
30
30
40
35
35
35
35
45
35
35
35
35
45
35
40
40
40
71
70
72
74
72
–
(1)
1
1
1
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
28
–
32
25
–
25
30
–
30
30
–
30
35
–
35
35
–
35
72
88
68
1
–
–
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
27
30
–
25
23
–
46
48
19
–
–
20
30
30
–
30
28
–
30
30
30
–
–
30
30
30
–
30
30
–
30
30
35
–
–
35
35
35
–
35
35
–
35
35
35
–
–
35
35
40
–
40
40
–
40
35
35
–
–
35
40
45
–
44
44
–
40
35
35
–
–
35
73
70
87
73
75
91
46
52
80
92
96
79
1
–
–
2
2
–
7
–
1
–
–
1
Establishment characteristic
See footnotes at end of table.
Table 34. Defined benefit plans: Maximum benefit provisions, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in defined benefit plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Total
Subject to
maximum
years of
credited
service
Maximum years of credited service
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not subject to
maximum
years of
credited
service
Not
determinable
100
100
100
100
100
100
18
–
28
29
32
28
28
–
25
30
30
30
30
–
30
30
30
30
34
–
35
35
35
35
35
–
35
35
35
35
45
–
45
40
45
40
81
87
71
70
68
71
1
–
2
1
–
1
100
100
100
100
100
100
100
100
23
21
31
27
25
–
–
–
25
30
30
25
25
–
–
–
25
30
30
30
30
–
–
–
30
30
35
35
35
–
–
–
30
35
35
35
35
–
–
–
40
40
45
40
40
–
–
–
75
76
69
73
75
65
74
73
2
2
( )
1
( )
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
1
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/glossary20102011.htm.
Table 34. Standard errors for defined benefit plans: Maximum benefit provisions, private industry workers, National
Compensation Survey, 2010
Characteristics
Subject to
maximum
years of
credited
service
Maximum years of credited service
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not subject to
maximum
years of
credited
service
Not
determinable
Worker characteristic
All workers ........................................................................
2.7
0.0
0.0
0.2
0.0
0.0
2.7
0.3
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Sales and related ..........................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
4.4
5.2
4.8
5.5
3.2
–
3.4
4.7
–
4.4
6.8
0.0
0.0
0.0
6.4
0.0
–
1.2
7.3
–
5.5
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
4.0
–
0.0
1.4
0.0
0.6
0.0
0.0
0.0
–
0.0
0.0
–
4.0
0.0
0.0
0.0
0.0
0.0
5.7
–
5.1
5.5
–
0.0
0.0
0.0
0.0
1.7
6.1
0.0
–
0.0
0.0
–
0.0
2.6
4.5
5.3
4.9
5.5
3.2
5.6
3.5
4.9
8.1
4.4
6.8
0.4
0.5
0.3
0.1
0.6
–
0.8
1.4
–
–
–
Full time ............................................................................
Part time ............................................................................
2.8
5.4
0.6
4.8
0.0
0.0
1.1
7.3
0.0
0.0
1.7
0.0
2.8
5.4
0.4
0.4
Union .................................................................................
Nonunion ...........................................................................
4.2
3.6
0.0
3.4
0.0
0.0
0.0
1.1
4.8
0.0
1.7
4.2
4.2
3.6
0.3
0.4
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
6.7
4.2
3.3
3.9
5.2
0.0
7.1
3.2
0.0
0.0
6.7
0.0
0.0
0.0
0.0
6.7
0.0
4.3
1.1
0.8
0.0
0.0
0.0
0.0
0.0
0.0
9.5
3.5
0.0
1.4
6.7
4.2
3.3
3.9
5.3
–
0.2
0.4
0.5
0.7
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
5.3
–
6.3
0.0
–
1.4
3.4
–
0.0
0.0
–
0.0
2.2
–
2.2
0.0
–
0.0
5.3
6.0
6.3
0.5
–
–
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
3.1
4.5
–
3.5
3.4
–
6.9
9.3
5.0
–
–
5.4
0.0
0.0
–
2.5
2.6
–
2.3
0.0
0.0
–
–
0.0
0.0
3.3
–
0.0
1.4
–
3.3
3.4
7.4
–
–
6.6
0.0
0.0
–
0.0
0.0
–
1.7
1.2
0.0
–
–
0.0
1.7
5.9
–
1.0
2.4
–
1.7
0.0
0.0
–
–
0.0
5.1
0.0
–
5.8
4.7
–
6.5
7.3
0.0
–
–
0.0
3.1
4.5
7.0
3.5
3.7
3.0
7.7
9.3
5.2
6.4
3.7
5.6
0.3
–
–
1.4
1.4
–
4.2
–
0.5
–
–
0.5
Establishment characteristic
See footnotes at end of table.
Table 34. Standard errors for defined benefit plans: Maximum benefit provisions, private industry workers, National
Compensation Survey, 2010—Continued
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Subject to
maximum
years of
credited
service
Maximum years of credited service
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not subject to
maximum
years of
credited
service
Not
determinable
4.5
–
6.6
3.3
4.8
3.9
3.2
–
6.5
0.0
0.0
3.7
1.6
–
2.0
0.0
0.0
0.0
1.3
–
2.2
1.0
2.6
0.0
0.0
–
0.0
0.0
1.0
0.0
9.5
–
14.1
0.0
3.5
0.0
4.5
5.2
6.7
3.3
4.8
3.9
0.6
–
1.7
0.3
–
0.5
6.2
4.3
6.6
5.9
4.5
–
–
–
0.0
2.5
0.0
7.1
6.3
–
–
–
4.2
0.0
0.0
7.1
5.3
–
–
–
1.8
5.2
0.8
0.0
0.0
–
–
–
0.0
0.0
3.1
8.0
0.0
–
–
–
5.0
5.0
2.2
7.1
1.0
–
–
–
7.3
4.4
6.6
5.9
4.5
12.3
11.0
10.2
2.3
1.6
0.3
0.1
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 35. Defined benefit plans: Vesting requirements, private industry workers, National Compensation Survey, 2010
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Immediate
full vesting
Total
Cliff vesting1
Years required for cliff
vesting
Mean
Graded
vesting2
Not
determinable
Median
Worker characteristic
All workers ........................................................................
100
5
81
5
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
Production, transportation, and material moving ..............
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
9
10
8
–
–
–
–
–
–
–
–
75
79
73
73
87
93
85
90
92
86
91
5
4
5
5
5
4
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
4
3
4
1
–
4
1
Full time ............................................................................
Part time ............................................................................
100
100
6
–
80
89
5
5
5
5
–
–
–
1
Union .................................................................................
Nonunion ...........................................................................
100
100
–
6
91
76
5
5
5
5
5
–
–
–
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
–
–
–
7
11
86
84
81
79
76
5
5
5
5
5
5
5
5
5
5
–
–
–
–
–
(4)
5
3
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
100
100
100
–
–
–
84
94
81
5
5
5
5
5
5
–
–
–
5
–
7
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
100
100
100
100
100
100
100
100
100
100
100
100
5
–
–
–
–
–
–
–
–
–
–
–
80
88
82
94
95
96
91
70
65
98
97
62
5
5
5
4
4
4
4
5
5
5
5
5
5
5
5
5
5
–
5
5
5
5
5
5
–
–
–
–
–
–
–
–
–
–
–
–
–
2
7
3
3
–
9
12
4
( )
1
1
–
Establishment characteristic
See footnotes at end of table.
Table 35. Defined benefit plans: Vesting requirements, private industry workers, National Compensation Survey,
2010—Continued
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Immediate
full vesting
Total
Cliff vesting1
Years required for cliff
vesting
Mean
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Graded
vesting2
Not
determinable
Median
100
100
100
100
100
100
–
–
–
6
–
7
82
77
91
81
86
79
5
4
5
5
5
5
5
5
5
5
5
5
–
–
–
–
–
–
–
–
–
–
7
–
100
100
100
100
100
100
100
100
–
–
–
–
–
–
–
–
72
94
67
90
86
91
91
75
5
5
5
5
5
5
4
5
5
5
5
5
5
5
5
5
–
–
–
–
–
–
–
–
11
3
5
4
6
4
( )
3
(4)
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 An employee is not entitled to any accrued benefits until satisfying the requirement for
100 percent vesting.
2 An employee is entitled to a gradually increasing share of benefits determined by years
of service, eventually reaching 100 percent vesting status.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
4 Less than 0.5.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 35. Standard errors for defined benefit plans: Vesting requirements, private industry workers, National
Compensation Survey, 2010
Characteristics
Immediate
full vesting
Cliff vesting1
Years required for cliff
vesting
Mean
Graded
vesting2
Not
determinable
Median
Worker characteristic
All workers ........................................................................
1.2
3.5
(3)
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
Production, transportation, and material moving ..............
Transportation and material moving .............................
2.3
2.8
2.4
–
–
–
–
–
–
–
–
5.9
3.4
8.8
13.3
3.5
3.1
4.3
3.1
5.5
3.6
4.2
0.1
0.1
0.1
(3)
0.1
0.2
0.1
(3)
(3)
(3)
(3)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.6
1.4
2.4
1.4
0.9
–
1.8
0.8
Full time ............................................................................
Part time ............................................................................
1.4
–
3.4
5.9
(3)
(3)
0.0
0.0
–
–
–
1.0
Union .................................................................................
Nonunion ...........................................................................
–
1.7
1.7
5.0
(3)
0.1
0.0
0.0
1.4
–
–
–
Average wage within the following categories:4
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
–
–
–
1.9
3.1
6.8
5.9
6.5
3.8
4.4
0.1
(3)
(3)
0.1
0.1
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
0.1
2.0
1.0
–
–
Goods-producing industries ..............................................
Construction ..................................................................
Manufacturing ...............................................................
–
–
–
4.3
6.1
5.4
(3)
(3)
0.1
0.0
0.0
0.0
–
–
–
2.1
–
2.6
Service-providing industries ..............................................
Trade, transportation, and 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 ............................
1.4
–
–
–
–
–
–
–
–
–
–
–
4.6
3.8
6.4
1.8
1.8
2.2
4.5
8.1
14.5
0.9
1.7
15.4
(3)
(3)
(3)
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
1.2
5.3
1.5
1.5
–
4.5
5.9
(3)
0.5
0.9
–
Establishment characteristic
See footnotes at end of table.
Table 35. Standard errors for defined benefit plans: Vesting requirements, private industry workers, National
Compensation Survey, 2010—Continued
Characteristics
Immediate
full vesting
Cliff vesting1
Years required for cliff
vesting
Mean
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Graded
vesting2
Not
determinable
Median
–
–
–
1.4
–
1.8
9.7
13.8
3.9
4.1
3.3
5.7
0.1
0.1
(3)
(3)
(3)
(3)
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
2.4
–
–
–
–
–
–
–
–
–
9.3
1.7
9.4
3.7
5.3
4.2
2.5
8.9
0.2
(3)
(3)
0.1
0.1
0.1
0.2
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
7.8
1.4
1.3
3.3
4.6
(3)
2.4
0.3
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 An employee is not entitled to any accrued benefits until satisfying the
requirement for 100 percent vesting.
2 An employee is entitled to a gradually increasing share of benefits determined
by years of service, eventually reaching 100 percent vesting status.
3 Less than 0.05.
4 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
NOTE: 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/glossary20102011.htm.
Table 36. Traditional defined benefit plans: Terminal earnings formulas, private industry workers, National Compensation Survey, 2010
(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)
Characteristics
Total
Flat percent per year of service
Flat
percent
50th
10th
25th
75th
90th
per year
percentile
of service percentile percentile
percentile percentile
(median)
Percent per year varies by
Percent
per year
varies
Service Earnings
Earnings
and
service
Other
Worker characteristic
All workers ........................................................................
100
57
1.00
1.33
1.60
1.70
1.76
37
15
14
8
6
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Production, transportation, and material moving ..............
100
100
100
100
100
100
100
56
50
59
82
–
50
48
1.00
0.90
1.00
1.25
–
1.00
1.00
1.50
1.50
1.25
1.60
–
1.25
1.10
1.50
1.50
1.50
1.70
–
1.50
1.33
1.60
1.60
1.60
1.70
–
1.70
1.60
1.80
1.80
1.76
1.76
–
1.75
1.70
–
–
–
–
54
–
–
–
–
–
–
–
–
–
15
–
20
–
–
18
–
–
–
–
–
23
18
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
100
100
59
–
1.00
–
1.33
–
1.60
–
1.70
–
1.76
–
35
65
16
–
14
19
6
–
6
–
Union .................................................................................
Nonunion ...........................................................................
100
100
59
56
1.25
1.00
1.60
1.25
1.67
1.50
1.76
1.70
1.76
1.75
–
–
–
16
–
15
–
–
–
–
Average wage within the following categories:1
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
45
64
59
56
1.00
1.00
1.00
1.25
1.25
1.25
1.50
1.50
1.33
1.67
1.60
1.50
1.76
1.70
1.67
1.60
1.76
1.76
1.75
1.70
–
–
–
–
–
–
24
–
17
–
11
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
100
54
1.10
1.33
1.33
1.60
1.60
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
100
100
100
100
100
100
100
100
100
58
58
–
–
66
65
55
–
62
1.00
1.00
–
–
1.00
1.00
1.00
–
1.00
1.35
1.50
–
–
1.25
1.25
1.25
–
1.33
1.60
1.67
–
–
1.70
1.70
1.50
–
1.50
1.70
1.75
–
–
1.70
1.70
1.67
–
1.67
1.76
1.76
–
–
1.76
1.75
1.76
–
1.80
–
–
53
57
–
–
38
50
31
–
–
–
–
–
–
18
–
–
15
–
–
–
–
–
15
–
17
10
–
26
29
–
–
5
–
–
–
–
–
–
–
–
7
–
7
100
100
100
100
100
66
–
56
–
62
1.25
–
0.70
–
1.35
1.25
–
0.90
–
1.70
1.50
–
1.33
–
1.70
1.76
–
1.50
–
1.70
1.85
–
1.75
–
1.70
–
49
–
51
–
–
–
–
–
–
–
31
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 36. Standard errors for traditional defined benefit plans: Terminal earnings formulas, private industry workers, National
Compensation Survey, 2010
Characteristics
Flat percent per year of service
Flat
percent
50th
per year
10th
25th
75th
90th
percentile
of service percentile percentile
percentile percentile
(median)
Percent per year varies by
Percent
per year
varies
Service Earnings
Earnings
and
service
Other
Worker characteristic
All workers ........................................................................
4.3
0.09
0.09
0.11
0.01
(1)
3.9
3.7
2.7
1.7
1.7
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Production, transportation, and material moving ..............
6.1
10.0
5.3
8.4
–
7.6
8.5
0.09
0.28
0.05
0.12
–
0.20
0.14
0.20
0.00
0.24
0.20
–
0.07
0.09
0.06
0.03
0.11
0.01
–
0.13
0.04
0.06
0.06
0.07
0.08
–
0.02
0.28
0.10
0.22
0.15
0.00
–
0.06
0.04
–
–
–
–
6.7
–
–
–
–
–
–
–
–
–
3.6
–
4.9
–
–
5.3
–
–
–
–
–
5.5
4.7
–
–
–
–
–
–
–
–
Full time ............................................................................
Part time ............................................................................
4.6
–
0.07
–
0.10
–
0.12
–
0.01
–
0.01
–
4.2
8.6
4.0
–
2.8
5.1
1.4
–
1.7
–
Union .................................................................................
Nonunion ...........................................................................
5.8
5.8
0.00
0.04
0.05
0.11
0.01
0.07
(1)
0.05
0.13
0.06
–
–
–
4.7
–
3.1
–
–
–
–
Average wage within the following categories:2
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
10.6
8.7
6.3
9.0
0.07
0.10
0.24
0.06
0.07
0.21
0.08
0.10
0.23
0.14
0.15
0.08
0.00
0.00
0.02
0.00
0.02
0.07
0.03
0.04
–
–
–
–
–
–
6.9
–
5.0
–
3.0
–
–
–
–
–
–
–
–
–
Goods-producing industries ..............................................
8.2
0.00
0.16
0.16
0.03
0.00
–
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
5.3
8.1
–
–
10.8
11.4
3.9
–
4.0
0.07
0.25
–
–
0.06
0.09
0.07
–
0.11
0.23
0.29
–
–
0.22
0.27
0.05
–
0.10
0.11
0.03
–
–
0.21
0.36
0.00
–
0.10
0.01
0.04
–
–
0.00
0.00
0.09
–
0.08
0.04
0.00
–
–
0.11
0.08
0.06
–
0.07
–
–
7.2
8.7
–
–
4.0
9.2
3.9
–
–
–
–
–
–
4.4
–
–
3.0
–
–
–
–
–
2.8
–
3.7
2.2
–
7.4
8.2
–
–
1.2
–
–
–
–
–
–
–
–
2.0
–
1.7
4.6
–
7.4
–
17.1
0.00
–
0.35
–
0.38
0.00
–
0.04
–
0.19
0.25
–
0.33
–
0.00
0.00
–
0.21
–
0.00
0.06
–
0.08
–
0.00
–
6.3
–
6.1
–
–
–
–
–
–
–
5.6
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
Pacific ...............................................................................
1 Less than 0.005.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 37. Traditional defined benefit plans: Definition of terminal earnings, private industry workers, National Compensation Survey,
2010
(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)
Three years
Characteristics
High
consecutive
three
Total
Total
Five years
High three
Total
High
consecutive
five
High five
Other period
Not
determinable
Worker characteristic
All workers ........................................................................
100
13
11
–
81
26
53
6
(1)
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Production, transportation, and material moving ..............
100
100
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
82
81
82
91
78
77
77
18
–
23
64
–
–
–
61
64
59
–
57
52
58
–
–
–
–
–
–
–
(1)
–
(1)
1
( )
(1)
(1)
–
Full time ............................................................................
Part time ............................................................................
100
100
14
–
12
–
–
–
80
89
27
–
51
72
6
–
(1)
(1)
Union .................................................................................
Nonunion ...........................................................................
100
100
–
14
–
11
–
–
76
82
30
25
46
55
–
4
–
(1)
Average wage within the following categories:2
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
87
82
77
77
38
–
16
–
48
46
59
60
–
–
7
–
(1)
(1)
–
–
Goods-producing industries ..............................................
100
32
27
–
66
–
43
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
100
100
100
100
100
100
100
100
100
–
–
–
–
–
–
14
–
–
–
–
–
–
–
–
12
–
–
–
–
–
–
–
–
–
–
–
84
72
90
89
94
99
78
80
77
27
–
–
–
–
–
19
–
18
55
48
64
63
49
–
58
59
57
8
–
–
–
–
–
8
10
–
–
–
–
–
1
1
(1)
–
(1)
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
85
78
94
84
93
–
23
–
–
–
58
52
60
65
–
–
–
–
–
–
–
1
(1)
–
–
Establishment characteristic
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
Pacific ...............................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 37. Standard errors for traditional defined benefit plans: Definition of terminal earnings, private industry workers,
National Compensation Survey, 2010
Three years
High
consecutive
three
Characteristics
Total
Five years
High three
Total
High
consecutive
five
High five
Other period
Not
determinable
Worker characteristic
All workers ........................................................................
3.2
2.8
–
3.5
6.4
4.9
1.5
0.2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Production, transportation, and material moving ..............
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.3
6.5
5.8
4.3
6.5
7.3
6.0
4.3
–
5.1
14.4
–
–
–
7.0
8.3
8.2
–
7.4
7.8
8.1
–
–
–
–
–
–
–
0.3
–
0.4
0.4
0.2
0.2
–
Full time ............................................................................
Part time ............................................................................
3.4
–
3.0
–
–
–
3.9
4.9
6.6
–
5.3
8.3
1.5
–
0.2
0.3
Union .................................................................................
Nonunion ...........................................................................
–
3.6
–
3.1
–
–
6.0
4.0
7.1
7.5
5.9
6.6
–
1.2
–
0.2
Average wage within the following categories:1
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
–
–
–
–
–
–
–
–
–
–
–
–
4.1
6.0
5.6
8.2
7.5
–
4.2
–
6.1
9.5
6.8
9.7
–
–
1.9
–
0.5
0.1
–
–
Goods-producing industries ..............................................
7.9
6.5
–
7.8
–
8.4
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
–
–
–
–
–
–
3.4
–
–
–
–
–
–
–
–
2.8
–
–
–
–
–
–
–
–
–
–
–
3.4
6.1
4.2
4.6
2.6
0.8
3.8
5.0
5.1
7.7
–
–
–
–
–
3.5
–
3.5
5.5
7.4
7.7
8.1
14.1
–
4.8
8.7
5.5
1.9
–
–
–
–
–
1.8
2.8
–
–
–
–
–
0.7
0.8
0.2
–
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6.9
9.6
4.9
5.8
7.3
–
6.1
–
–
–
8.1
7.8
14.3
5.7
–
–
–
–
–
–
–
1.0
0.3
–
–
Establishment characteristic
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 38. Traditional defined benefit plans: Availability of lump sum benefits at retirement, private industry
workers, National Compensation Survey, 2010
(All workers participating in traditional defined benefit plans = 100 percent)
Type of lump sum
Characteristics
Lump sum
available
Total
Partial lump
sum with
reduced
annuity
Full lump
sum
Lump sum
not available
Not
determinable
Worker characteristic
All workers ........................................................................
100
24
17
7
75
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 ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
16
19
–
–
38
34
21
–
20
24
–
–
–
–
24
–
–
–
–
–
–
–
–
–
14
–
–
–
–
–
84
81
85
72
62
66
79
81
77
71
–
–
–
–
(1)
1
( )
–
–
3
4
Full time ............................................................................
Part time ............................................................................
100
100
22
39
17
–
4
–
77
59
1
2
Union .................................................................................
Nonunion ...........................................................................
100
100
22
25
9
–
13
–
76
74
1
1
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
49
21
29
16
–
–
–
–
–
–
–
–
–
–
–
49
79
69
84
84
3
–
2
(1)
–
Goods-producing industries ..............................................
Manufacturing ...............................................................
100
100
20
–
–
–
–
–
80
85
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
100
100
100
100
100
100
25
34
28
30
–
–
18
–
–
–
–
–
7
–
–
–
–
–
73
62
72
70
71
67
1
4
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Traditional defined benefit plans: Availability of lump sum benefits at retirement, private industry
workers, National Compensation Survey, 2010—Continued
(All workers participating in traditional defined benefit plans = 100 percent)
Type of lump sum
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 .....................................................
Lump sum
available
Total
Partial lump
sum with
reduced
annuity
Full lump
sum
Lump sum
not available
Not
determinable
100
100
100
100
100
100
37
–
30
20
26
16
–
–
–
12
–
11
–
–
–
8
–
5
59
59
59
80
74
84
4
–
11
(1)
(1)
(1)
100
100
100
100
100
100
100
100
–
10
24
33
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
85
90
74
63
80
73
62
61
–
–
2
4
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
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/glossary20102011.htm.
Table 38. Standard errors for traditional defined benefit plans: Availability of lump sum benefits at
retirement, private industry workers, National Compensation Survey, 2010
Type of lump sum
Characteristics
Lump sum
available
Partial lump
sum with
reduced
annuity
Full lump
sum
Lump sum
not available
Not
determinable
Worker characteristic
All workers ........................................................................
3.7
3.6
1.6
3.7
0.5
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
4.1
5.0
–
–
4.8
5.5
4.6
–
4.4
5.7
–
–
–
–
4.8
–
–
–
–
–
–
–
–
–
4.0
–
–
–
–
–
4.1
5.0
4.4
16.4
4.8
5.5
4.6
7.8
4.3
6.3
–
–
–
–
0.3
0.2
–
–
1.8
3.0
Full time ............................................................................
Part time ............................................................................
3.9
6.2
3.9
–
1.1
–
3.9
6.4
0.6
1.4
Union .................................................................................
Nonunion ...........................................................................
3.5
5.6
1.9
–
3.3
–
3.5
5.6
0.7
0.8
Average wage within the following categories:1
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
7.3
4.6
8.0
3.5
–
–
–
–
–
–
–
–
–
–
–
7.3
4.6
7.8
3.5
5.3
2.0
–
1.5
0.1
–
Goods-producing industries ..............................................
Manufacturing ...............................................................
4.5
–
–
–
–
–
4.5
5.3
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
4.5
5.1
7.1
7.3
–
–
4.6
–
–
–
–
–
1.8
–
–
–
–
–
4.6
5.3
7.1
7.3
13.8
15.5
0.7
2.0
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Standard errors for traditional defined benefit plans: Availability of lump sum benefits at
retirement, private industry workers, National Compensation Survey, 2010—Continued
Type of lump sum
Characteristics
Lump sum
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 .....................................................
Partial lump
sum with
reduced
annuity
Full lump
sum
Lump sum
not available
Not
determinable
11.0
–
6.7
3.0
5.5
2.9
–
–
–
2.5
–
2.6
–
–
–
2.0
–
1.3
10.5
16.1
8.7
3.0
5.5
2.9
2.6
–
6.2
0.1
0.2
0.1
–
1.9
5.2
8.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
12.8
1.9
5.5
5.5
6.4
15.3
14.2
15.5
–
–
1.6
4.0
–
–
–
–
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United
States, 2009." See Technical Note for more details.
NOTE: 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/glossary20102011.htm.
Table 39. Traditional defined benefit plans: Disability retirement benefits, private industry workers, National Compensation
Survey, 2010
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
Disability
retirement
available
Total
Disability retirement begins
Immediate1
Disability
retirement not
available
Not
determinable
Deferred
Not
determinable
Worker characteristic
All workers ........................................................................
100
71
47
23
1
17
12
Management, professional, and related ............................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
54
60
85
67
68
88
92
79
83
33
36
56
37
34
63
69
58
59
20
22
–
28
33
25
–
21
24
1
2
–
1
1
–
–
–
–
28
27
–
23
20
–
–
7
–
18
13
–
10
12
–
–
14
–
Full time ............................................................................
Part time ............................................................................
100
100
70
79
47
48
22
30
1
1
17
19
13
2
Union .................................................................................
Nonunion ...........................................................................
100
100
90
55
64
33
26
21
–
1
7
26
3
19
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
77
74
75
65
52
46
47
52
42
32
31
27
22
22
19
–
(3)
1
1
1
–
14
14
21
30
–
12
12
14
18
Goods-producing industries ..............................................
Manufacturing ...............................................................
100
100
77
75
59
55
18
19
1
1
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
100
100
100
100
100
100
68
80
63
61
71
76
42
55
30
30
52
55
26
25
33
31
–
–
1
–
(3)
(3)
–
–
21
16
27
28
22
–
11
5
10
11
6
–
Establishment characteristic
See footnotes at end of table.
Table 39. Traditional defined benefit plans: Disability retirement benefits, private industry workers, National Compensation
Survey, 2010—Continued
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Disability
retirement
available
Total
Disability retirement begins
Immediate1
Not
determinable
Deferred
Disability
retirement not
available
Not
determinable
100
100
100
100
100
72
80
71
67
73
59
69
44
42
45
–
–
26
25
27
–
–
1
3
( )
1
13
–
18
17
19
15
–
11
16
8
100
100
100
100
100
100
100
64
80
77
70
69
65
73
41
57
58
37
30
–
62
23
23
18
32
39
–
–
–
(3)
3
( )
1
–
3
( )
–
19
7
–
–
31
–
–
18
14
–
–
1
–
–
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Immediate disability pensions may be supplemented by additional allowances until an
employee reaches a specified age or becomes eligible for Social Security.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2009." See Technical Note for more details.
3
Less than 0.5.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that
no data were reported or that data do not meet publication criteria. For definitions of major
plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 39. Standard errors for traditional defined benefit plans: Disability retirement benefits, private industry
workers, National Compensation Survey, 2010
Characteristics
Disability
retirement
available
Disability retirement begins
Immediate1
Deferred
Not
determinable
Disability
retirement not
available
Not
determinable
Worker characteristic
All workers ........................................................................
3.0
3.4
2.2
0.2
2.3
2.4
Management, professional, and related ............................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
6.1
6.0
5.4
4.4
4.1
3.7
4.9
4.0
4.4
4.4
4.5
12.8
5.0
5.2
6.5
10.2
4.6
6.5
3.4
4.0
–
3.8
4.2
6.0
–
3.9
6.1
0.5
0.8
–
0.5
0.6
–
–
–
–
5.0
5.1
–
3.8
3.6
–
–
1.9
–
5.7
5.2
–
3.4
3.9
–
–
3.6
–
Full time ............................................................................
Part time ............................................................................
3.5
5.4
3.7
6.5
2.2
6.9
0.1
0.8
2.6
4.9
2.7
1.4
Union .................................................................................
Nonunion ...........................................................................
2.0
4.8
3.2
5.1
3.1
2.9
–
0.3
1.5
4.0
1.1
3.7
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
7.1
4.3
4.7
4.9
6.5
6.9
4.9
6.5
4.1
5.0
7.8
5.1
3.2
2.7
2.8
–
0.2
0.3
0.4
0.7
–
2.8
3.5
4.1
6.6
–
3.8
2.7
3.9
5.6
Goods-producing industries ..............................................
Manufacturing ...............................................................
4.2
5.3
4.6
5.6
3.4
3.9
0.4
0.5
–
–
–
–
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
3.8
4.6
5.7
6.0
6.5
7.6
4.3
5.5
5.3
6.0
9.9
11.3
2.9
5.2
7.3
7.4
–
–
0.3
–
0.1
0.1
–
–
3.3
3.7
5.4
5.6
6.7
–
3.0
2.4
3.2
3.7
3.0
–
Establishment characteristic
See footnotes at end of table.
Table 39. Standard errors for traditional defined benefit plans: Disability retirement benefits, private industry
workers, National Compensation Survey, 2010—Continued
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Disability
retirement
available
Disability retirement begins
Immediate1
Deferred
Not
determinable
Disability
retirement not
available
Not
determinable
6.3
7.2
3.3
6.0
3.4
8.0
9.9
3.2
5.5
4.3
–
–
2.6
4.5
3.1
–
–
0.2
0.2
0.3
3.6
–
2.8
5.1
3.1
4.4
–
2.6
4.7
2.1
5.7
4.4
12.5
6.6
8.4
11.4
11.1
4.7
4.4
14.1
9.3
5.8
–
11.9
4.5
4.3
4.5
7.9
5.0
–
–
–
0.1
0.6
0.4
–
0.3
–
4.3
1.6
–
–
9.0
–
–
7.8
3.9
–
–
0.8
–
–
Geographic area
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 Immediate disability pensions may be supplemented by additional allowances
until an employee reaches a specified age or becomes eligible for Social Security.
2 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2009." See Technical Note for
more details.
NOTE: 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/glossary20102011.htm.
Table 40. Traditional defined benefit plans: Postretirement survivor benefits, private industry workers,
National Compensation Survey, 2010
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
Joint-andsurvivor
annuity1
Total
Selected joint-and-survivor annuity
percentages
Other fixed
percentage
50 percent
Choice of
percentages
Not
determinable
Worker characteristic
All workers ........................................................................
100
98
39
5
54
2
2
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
100
100
100
100
100
100
100
100
100
100
100
99
100
100
100
100
99
100
95
96
–
–
–
–
–
–
–
–
49
64
–
–
–
–
–
–
–
–
9
–
59
56
61
75
52
55
70
70
37
32
( )
1
(2)
–
(2)
2
( )
1
–
5
4
Full time ............................................................................
Part time ............................................................................
100
100
98
98
36
60
6
–
56
–
2
2
Union .................................................................................
Nonunion ...........................................................................
100
100
99
98
37
–
6
–
56
53
1
2
Average wage within the following categories:3
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
100
100
100
100
100
97
97
97
100
100
58
–
–
–
–
–
–
–
–
–
–
51
56
58
57
3
3
3
2
( )
2
( )
Goods-producing industries ..............................................
Manufacturing ...............................................................
100
100
97
97
–
–
–
–
53
48
3
3
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
100
100
100
100
100
100
99
97
100
100
100
100
–
54
36
37
–
18
–
–
–
–
–
–
55
–
64
63
82
82
1
3
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 40. Traditional defined benefit plans: Postretirement survivor benefits, private industry workers,
National Compensation Survey, 2010—Continued
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Joint-andsurvivor
annuity1
Total
Selected joint-and-survivor annuity
percentages
50 percent
Other fixed
percentage
Choice of
percentages
Not
determinable
100
100
100
100
100
100
96
100
89
99
98
100
–
–
45
–
–
–
–
–
–
–
–
–
65
79
–
51
50
52
4
–
11
1
2
2
( )
100
100
100
100
100
100
100
100
100
100
98
96
100
99
94
100
–
–
–
45
–
48
–
–
–
–
–
–
–
–
–
–
50
53
51
–
59
51
–
69
–
–
2
4
–
1
6
2
( )
Geographic area
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
1 An annuity that provides income during the lifetime of both the retiree and the
surviving spouse. The accrued pension will usually be actuarially reduced at
retirement because of the longer time span over which payments are expected to
be made.
2 Less than 0.5.
3 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2009." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.
Table 40. Standard errors for traditional defined benefit plans: Postretirement survivor benefits,
private industry workers, National Compensation Survey, 2010
Characteristics
Joint-andsurvivor
annuity1
Selected joint-and-survivor annuity
percentages
Other fixed
percentage
50 percent
Choice of
percentages
Not
determinable
Worker characteristic
All workers ........................................................................
0.7
3.7
1.5
3.8
0.7
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ...............................................
Service ..............................................................................
Sales and office ................................................................
Office and administrative support .................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry
Production, transportation, and material moving ..............
Transportation and material moving .............................
0.3
0.4
0.4
0.0
0.2
0.2
0.8
0.0
2.2
3.0
–
–
–
–
–
–
–
–
4.6
6.8
–
–
–
–
–
–
–
–
2.5
–
5.3
7.2
5.8
10.0
5.1
4.7
5.9
10.0
4.3
6.4
0.3
0.4
0.4
–
0.2
0.2
0.8
–
2.2
3.0
Full time ............................................................................
Part time ............................................................................
0.8
1.4
3.5
6.8
1.7
–
3.8
–
0.8
1.4
Union .................................................................................
Nonunion ...........................................................................
0.7
1.3
4.0
–
1.6
–
4.2
5.2
0.7
1.3
Average wage within the following categories:2
Lowest 25 percent .........................................................
Second 25 percent ........................................................
Third 25 percent ............................................................
Highest 25 percent ........................................................
Highest 10 percent ....................................................
2.0
2.3
1.5
0.2
0.4
7.7
–
–
–
–
–
–
–
–
–
–
7.1
5.8
4.4
5.9
2.0
2.3
1.5
0.2
0.4
Goods-producing industries ..............................................
Manufacturing ...............................................................
1.9
2.4
–
–
–
–
4.5
5.0
1.9
2.4
Service-providing industries ..............................................
Trade, transportation, and utilities .................................
Financial activities .........................................................
Finance and insurance ..............................................
Education and health services ......................................
Health care and social assistance ............................
0.7
2.0
0.0
0.0
0.0
0.0
–
6.8
6.6
6.7
–
5.4
–
–
–
–
–
–
5.2
–
6.6
6.7
4.9
5.4
0.7
2.0
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 40. Standard errors for traditional defined benefit plans: Postretirement survivor benefits,
private industry workers, National Compensation Survey, 2010—Continued
Characteristics
Joint-andsurvivor
annuity1
1 to 99 workers .................................................................
1 to 49 workers .............................................................
50 to 99 workers ...........................................................
100 workers or more .........................................................
100 to 499 workers .......................................................
500 workers or more .....................................................
Selected joint-and-survivor annuity
percentages
50 percent
Other fixed
percentage
Choice of
percentages
Not
determinable
2.6
0.0
6.2
0.7
1.6
0.2
–
–
8.8
–
–
–
–
–
–
–
–
–
7.9
8.0
–
3.9
6.7
4.1
2.6
–
6.2
0.7
1.6
0.2
New England .....................................................................
Middle Atlantic ...................................................................
East North Central ............................................................
West North Central ...........................................................
South Atlantic ....................................................................
West South Central ...........................................................
Mountain ...........................................................................
Pacific ...............................................................................
0.0
0.0
1.7
4.0
0.0
0.8
4.6
0.1
–
–
–
10.0
–
12.3
–
–
–
–
–
–
–
–
–
–
10.7
12.2
5.4
–
9.1
11.8
–
9.4
–
–
1.7
4.0
–
0.8
4.6
0.1
1 An annuity that provides income during the lifetime of both the
retiree and the surviving spouse. The accrued pension will usually be
actuarially reduced at retirement because of the longer time span over
which payments are expected to be made.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published
in the "National Compensation Survey: Occupational Earnings in the
United States, 2009." See Technical Note for more details.
Geographic area
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/glossary20102011.htm.
Employee Benefits Survey
Technical Note
Data in this bulletin are from the National Compensation Survey (NCS), conducted by the U.S. Department of
Labor, Bureau of Labor Statistics (BLS). The bulletin contains 2010 data on detailed employer-provided health
and retirement benefit plan provisions for private industry workers in the United States. Excluded from the 2010
survey are Federal government workers, State and local government workers, the military, agricultural workers,
private household workers, aircraft manufacturing workers, and workers who are self-employed. Previous
publications containing information on employee benefits for civilian, private industry and State and local
government workers are available on the BLS website http://www.bls.gov/ncs/ebs.
Calculation details
For data presented by wage levels, average hourly earnings for occupations within an establishment were used
to produce estimates for worker groups within six earnings groupings: the lowest 10 percent, the lowest 25
percent, the second 25 percent, the third 25 percent, the highest 25 percent, and the highest 10 percent.
Individual workers can fall into an earnings category different from the average for the occupation into which
they are classified. The breakouts are based on the average wage for each occupation surveyed, which may
include workers both above and below the threshold. The categories are based on wages published in "National
Compensation Survey: Occupational Earnings in the United States, 2009," U.S. Department of Labor, June
2010, Bulletin 2738. Values corresponding to the percentiles used in the tables are:
Hourly wage percentile
Characteristic
Private industry workers
10
25
50 (median)
75
90
$8.10
$10.63
$15.70
$24.53
$37.02
Not determinable estimates
Some tables in this bulletin contain columns with estimates classified as "not determinable." Situations that
result in this classification can vary. In detailed provisions of employer-provided health care plans, the "not
determinable" classification is used whenever partial information on a particular plan feature is available from
the Summary Plan Description (SPD). The SPD is used as a primary source of information on the provisions of
a health benefit plan. For example, in one of the tables, workers are classified as participating in four types of
fee-for-service plans. Those workers that were known to be participating in a fee-for-service plan, but the plan
type was either not specified or was specified but did not fit into any of the four categories used in the table,
were classified into the "not determinable" category.
Another situation in which the "not determinable" classification may be used is when workers are participating
in plans in which a provision is known to exist, but no information on the specific details of this provision is
available from the SPD. For example, in one of the tables, all workers participate in fee-for-service plans. The
majority of the workers that make up the base of this table participated in plans that specified a deductible, but a
small percentage of workers participated in plans in which the deductible was mentioned but not described.
These workers were classified into the "not determinable" category.
Interpreting the tables
The set of workers on which estimates in the tables are based is indicated by the statement directly under each
table’s title. For example, the statement may indicate that “All workers participating in medical care plans = 100
percent,” or “All workers participating in savings and thrift plans = 100 percent.” All estimates shown in the
table are based on the set of workers specified underneath the table title and on any subsets indicated by column
headers.
Most of the estimates in this bulletin are expressed in terms of the percentage of workers participating in a
particular benefit plan or the percentage covered by a specific provision. Some estimates, however, provide
values other than percentages of workers, for example, the median age requirement for eligibility to participate
in a defined benefit retirement plan; dollar averages, medians, and percentiles for various benefit provisions;
and the specified matching percent (by percentile) an employer will contribute to an employees’ savings and
thrift retirement plan.
The non-shaded estimates indicate percentages of workers. Shaded estimates are those that measure values
other than the percent of workers.
Survey sample
The 2010 survey included a sample of approximately 3,200 establishments.
Obtaining additional information
Information on the survey scope, sample design, data collection, survey estimation, and reliability of estimates,
technical references, and survey definitions are available in Chapter 8 of the BLS Handbook of Methods,
available online at: http://www.bls.gov/opub/hom/homch8.htm. Definitions of major plans, key provisions, and
related benefit terms used by the National Compensation Survey are provided in the Glossary of Employee
Benefit Terms, available online at: http://www.bls.gov/ncs/ebs/glossary20102011.htm.
Appendix table 1. Survey establishment response
Appendix table 2. Numbers of workers represented
Appendix table 1. Survey establishment response, private
industry, National Compensation Survey, 2010
Number of
establishments
Establishments
Total in sampling frame1 ........................................................
5,244,722
Total in sample ....................................................................
Responding ........................................................................
Refused or unable to provide data .....................................
Out of business or not in survey scope ..............................
3,227
2,197
762
268
1 The list of establishments from which
the survey sample was selected (sampling
frame) was developed from State
unemployment insurance reports and is
based on the 2007 North American
Industry Classification System (NAICS).
For private industries, an establishment is
usually a single physical location.
Appendix table 2. Number of workers1 represented, private
industry, National Compensation Survey, 2010
Estimated number
of workers
Occupational group2
All workers .............................................................................
99,935,800
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ................................................
Service ...............................................................................
Protective service ..........................................................
Sales and office .................................................................
Sales and related ...........................................................
Office and administrative support ..................................
Natural resources, construction, and maintenance ...........
Construction, extraction, farming, fishing, and forestry ..
Installation, maintenance, and repair .............................
Production, transportation, and material moving ...............
Production ......................................................................
Transportation and material moving ..............................
24,818,600
8,450,700
16,367,900
21,610,500
1,259,800
28,779,500
11,175,000
17,604,500
7,545,400
3,549,600
3,995,900
17,181,800
8,334,300
8,847,600
1 The number of workers represented
by the survey are rounded to the nearest
100. Estimates of the number of workers
provide a description of the size and
composition of the labor force included in
the survey. Estimates are not intended,
however, for comparison to other statistical
series to measure employment trends or
levels.
2 The 2000 Standard Occupational
Classification system is used to classify
workers.