Annual Bulletin on Benefit Plan Details
National Compensation Survey: Health and Retirement Plan
Provisions in Private Industry in the United States, 2014
U.S. Department of Labor
Thomas E. Perez, Secretary
U.S. Bureau of Labor Statistics
Erica L. Groshen, Commissioner
April 2015
Bulletin 2781
Contents
Overview
Retirement Tables
Health Tables
Technical note
Appendix table 1: Survey establishment response
Appendix table 2: Number of workers represented
Overview
The National Compensation Survey (NCS) provides comprehensive measures of compensation cost
trends, the incidence of benefits, and detailed benefit provisions for private industry, state and local
government, and the total of these two sectors, civilian workers. Agricultural and household workers,
federal government employees, the military, and the self-employed are excluded. This bulletin presents
estimates of the detailed provisions of employer-provided health and retirement plans in private industry
in 2014. Estimates presented are on employee benefits by various employee and employer
characteristics.
For more information on these data and recent and historical NCS benefits data, call the information line
at (202) 691–6199, use the contact EBS link to send email, or visit the benefits home page
at www.bls.gov/ebs. Information is made available to sensory-impaired individuals upon request (Voice
phone: (202) 691–5200; Federal Relay Service: 1 (800) 877–8339). Data requests also may be sent to
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.
U. S. Bureau of Labor Statistics (BLS) field economists collected and reviewed the survey data. The Office
of Compensation and Working Conditions, in cooperation with the Office of Field Operations and the
Office of Technology and Survey Processing (all in the BLS National Office), designed the survey,
processed the data, and prepared the survey for publication. The survey could not have been conducted
without the cooperation of the many private businesses and state and local government agencies and
jurisdictions that provided benefits data included in this bulletin. BLS thanks these respondents for their
cooperation.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2014
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Worker characteristics
All workers ...............................................................
81
2
6
69
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
79
80
78
63
84
87
83
83
2
–
2
–
–
–
–
–
6
5
7
9
6
5
6
6
65
70
62
47
75
78
73
73
6
–
8
7
2
–
2
–
–
–
–
–
–
–
–
–
85
82
88
89
86
–
–
–
–
–
–
8
6
5
7
76
71
79
83
75
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
81
77
2
–
6
9
70
58
3
6
–
–
Union .......................................................................
Nonunion .................................................................
77
81
–
1
6
6
61
70
6
3
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
79
82
80
81
81
–
1
–
3
3
9
5
7
6
6
66
73
69
68
70
–
3
3
5
3
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
85
81
85
–
–
–
4
6
4
78
70
80
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
80
89
89
80
86
2
–
–
–
–
7
7
6
4
3
66
79
79
72
80
4
–
–
–
2
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristics
All workers ...............................................................
19
15
5
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
21
20
22
37
16
13
17
17
16
16
15
29
12
9
14
13
6
4
7
–
3
–
3
4
–
–
–
–
–
–
–
–
15
18
12
11
14
11
13
10
9
11
–
–
2
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
19
23
14
19
5
–
–
–
Union .......................................................................
Nonunion .................................................................
23
19
18
14
–
4
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
21
18
20
19
19
17
14
15
15
15
–
4
5
4
4
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
15
19
15
13
16
12
2
–
2
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
20
11
11
20
14
15
9
10
16
11
5
2
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
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 ...................
87
81
79
78
72
71
74
72
–
–
–
–
–
–
–
–
–
5
5
6
9
–
–
–
80
74
69
64
51
48
53
51
–
–
–
–
12
4
8
14
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
76
74
81
84
84
84
–
–
–
2
2
–
5
5
6
7
7
7
68
67
73
70
71
68
–
–
–
5
4
8
–
–
–
–
–
–
79
74
80
86
81
–
90
90
90
65
68
63
–
–
–
1
–
–
–
–
–
–
–
–
8
9
8
8
8
–
4
4
–
5
6
–
61
54
63
73
70
78
81
81
81
57
59
56
6
–
5
3
–
–
3
3
–
2
–
2
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
13
19
21
22
28
29
26
28
11
14
14
16
22
15
16
23
–
–
–
–
6
14
10
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
24
26
19
16
16
16
19
21
14
11
12
11
5
5
–
4
4
5
–
–
–
–
–
–
21
26
20
14
19
–
10
10
10
35
32
37
14
–
12
9
12
–
7
7
–
32
–
34
7
–
8
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
This type of plan obligates employees to use only the plan’s providers in order to receive coverage.
This type of plan provides coverage through a network of participating health care providers. Enrollees may receive
services outside the network, but generally at a higher cost. The additional costs may be in the form of higher deductibles,
higher coinsurance rates, or both, or in the form of nondiscounted charges from providers.
3 This type of plan provides services through a network of participating health care providers. Services received within
the network or through select medical facilities generally provide more generous benefits than services received outside the
network.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2014."
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/glossary20142015.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2014
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Worker characteristics
All workers ...............................................................
1.4
0.3
0.7
1.5
0.4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
2.5
2.9
5.7
1.5
1.9
1.8
2.1
0.5
–
0.5
–
–
–
–
–
0.9
1.1
1.1
2.5
0.9
1.2
1.2
1.2
2.2
2.9
2.9
4.7
1.9
1.9
2.4
2.7
0.8
–
1.1
1.6
0.5
–
0.6
–
–
–
–
–
–
–
–
–
2.2
3.3
2.0
2.0
3.3
–
–
–
–
–
–
1.6
1.1
1.3
1.7
4.0
3.4
2.3
2.5
3.5
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.4
4.7
0.4
–
0.7
2.4
1.5
4.6
0.5
1.5
–
–
Union .......................................................................
Nonunion .................................................................
3.7
1.5
–
0.3
1.3
0.7
3.8
1.5
1.6
0.5
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.2
2.4
2.0
1.7
2.1
–
0.2
–
0.5
0.7
2.6
0.8
0.9
0.8
1.1
4.7
2.3
2.2
1.9
2.5
–
0.5
0.7
0.6
0.7
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.6
2.6
2.3
–
–
–
0.7
1.7
1.0
1.7
3.5
2.3
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
1.5
2.0
3.4
2.0
0.4
–
–
–
–
0.8
1.1
1.5
1.0
0.6
1.8
1.8
2.6
3.5
2.3
0.5
–
–
–
0.3
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2014—continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristics
All workers ...............................................................
1.4
1.2
0.6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
2.5
2.9
5.7
1.5
1.9
1.8
2.1
1.8
2.1
2.6
5.8
1.4
1.3
1.8
1.9
1.2
1.0
1.7
–
0.7
–
0.8
1.1
–
–
–
–
–
–
–
–
2.2
3.3
2.0
2.0
3.3
1.8
2.9
1.9
2.0
3.2
–
–
0.6
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.4
4.7
1.3
3.2
0.6
–
–
–
Union .......................................................................
Nonunion .................................................................
3.7
1.5
3.3
1.3
–
0.6
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.2
2.4
2.0
1.7
2.1
5.1
2.2
1.6
1.6
1.7
–
1.0
1.2
0.8
1.1
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.6
2.6
2.3
1.6
2.2
2.1
0.4
–
0.5
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
1.5
2.0
3.4
2.0
1.6
1.4
2.2
3.2
1.4
0.8
0.6
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2014—continued
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
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 ...................
2.1
3.8
2.9
3.4
3.7
4.9
3.1
4.2
–
–
–
–
–
–
–
–
–
1.2
1.3
1.7
2.2
–
–
–
2.5
4.4
3.7
4.1
3.7
5.5
3.5
4.3
–
–
–
–
1.5
1.0
1.7
1.7
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.4
2.9
3.3
1.5
2.1
1.9
–
–
–
0.5
0.7
–
0.7
0.7
1.6
1.0
1.1
1.7
2.4
2.9
3.7
1.6
2.4
2.4
–
–
–
0.7
0.8
1.3
–
–
–
–
–
–
3.2
7.4
3.4
2.1
3.5
–
1.6
1.9
2.7
3.8
9.2
3.4
–
–
–
0.3
–
–
–
–
–
–
–
–
1.1
1.5
1.3
1.6
2.2
–
0.8
0.9
–
1.0
1.1
–
4.0
6.2
4.9
2.1
3.0
3.5
2.2
2.2
4.8
3.6
9.1
2.8
1.1
–
1.3
1.0
–
–
0.7
0.8
–
0.1
–
0.2
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2014—continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.1
3.8
2.9
3.4
3.7
4.9
3.1
4.2
1.4
2.9
2.8
3.5
3.7
2.9
2.3
4.3
–
–
–
–
1.8
4.1
2.3
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.4
2.9
3.3
1.5
2.1
1.9
2.2
2.9
2.3
1.2
1.9
1.5
1.0
1.1
–
0.9
1.1
1.4
–
–
–
–
–
–
3.2
7.4
3.4
2.1
3.5
–
1.6
1.9
2.7
3.8
9.2
3.4
2.7
–
2.2
1.5
2.2
–
1.3
1.4
–
3.8
–
3.6
1.4
–
1.6
1.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
This type of plan obligates employees to use only the plan’s providers in order to receive coverage.
This type of plan provides coverage through a network of participating health care providers. Enrollees may receive
services outside the network, but generally at a higher cost. The additional costs may be in the form of higher deductibles,
higher coinsurance rates, or both, or in the form of nondiscounted charges from providers.
3 This type of plan provides services through a network of participating health care providers. Services received within
the network or through select medical facilities generally provide more generous benefits than services received outside the
network.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2014."
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/glossary20142015.htm.
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, National Compensation Survey, 2014
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
98
2
–
77
23
–
24
74
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 ....................
98
98
98
99
98
97
99
99
2
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
77
77
77
62
80
84
78
80
23
23
23
38
20
16
22
20
–
–
–
–
–
–
–
–
24
24
24
42
20
15
22
25
74
74
75
57
79
84
77
75
2
2
1
1
1
1
1
(1)
98
99
98
99
98
–
–
–
–
–
–
–
–
–
–
82
78
82
85
79
18
22
18
15
21
–
–
–
–
–
23
26
21
20
22
77
74
77
80
75
(1)
–
2
(1)
4
Full time ...................................................................
Part time ..................................................................
98
96
2
–
–
–
78
68
22
32
–
–
24
28
75
72
1
(1)
Union .......................................................................
Nonunion .................................................................
96
99
–
1
–
–
71
78
29
22
–
–
24
24
76
74
(1)
1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
99
99
97
97
–
1
–
3
3
–
–
–
–
–
72
80
77
77
77
28
20
23
23
23
–
–
–
–
–
26
24
25
23
21
73
75
74
75
76
1
1
1
2
3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
99
98
100
–
–
–
–
–
–
82
76
83
18
24
17
–
–
–
21
30
19
78
70
80
1
–
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
98
97
98
98
98
2
–
–
–
–
–
–
–
–
–
76
82
82
78
85
24
18
18
22
15
–
–
–
–
–
25
19
14
22
19
73
79
86
77
78
1
2
( )
2
2
Establishment characteristics
See footnotes at end of table.
1
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
97
100
97
95
99
99
99
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
85
81
78
74
69
67
71
70
15
19
22
26
31
33
29
30
–
–
–
–
–
–
–
–
14
32
20
19
36
40
38
36
84
67
78
78
62
59
60
63
2
2
2
3
1
1
2
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 ............................................
99
99
98
98
98
99
–
–
–
2
2
–
–
–
–
–
–
–
75
73
78
80
79
80
25
27
22
20
21
20
–
–
–
–
–
–
27
28
25
22
21
23
72
70
75
77
77
76
1
1
( )
2
2
1
96
100
95
99
99
99
98
99
97
99
100
99
–
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
74
70
75
82
79
86
87
87
86
63
65
62
26
30
25
18
21
14
13
13
–
37
35
38
–
–
–
–
–
–
–
–
–
–
–
–
26
33
24
22
25
17
14
15
12
37
41
35
73
66
75
76
74
82
84
83
86
62
59
64
1
1
1
2
2
1
2
2
1
1
(1)
1
1
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, National
Compensation Survey, 2014
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
0.3
0.3
–
1.4
1.4
–
1.3
1.3
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.5
0.8
0.5
0.4
0.6
1.5
0.5
0.6
0.5
–
0.5
–
–
–
–
–
–
–
–
–
–
–
–
–
1.9
2.4
2.6
5.5
1.8
1.8
2.3
2.3
1.9
2.4
2.6
5.5
1.8
1.8
2.3
2.3
–
–
–
–
–
–
–
–
2.0
2.3
2.8
5.4
1.6
2.1
1.9
2.6
2.0
2.3
2.8
5.4
1.7
2.1
1.9
2.6
0.6
0.8
0.6
0.7
0.3
0.6
0.3
(1)
1.4
0.5
0.6
0.5
1.0
–
–
–
–
–
–
–
–
–
–
3.1
3.0
2.2
2.5
3.5
3.1
3.0
2.2
2.5
3.5
–
–
–
–
–
4.1
3.8
1.7
2.7
2.7
4.1
3.8
2.0
2.7
3.1
0.1
–
0.7
0.2
1.3
Full time ...................................................................
Part time ..................................................................
0.4
1.5
0.4
–
–
–
1.4
3.7
1.4
3.7
–
–
1.3
4.7
1.3
4.7
0.3
0.2
Union .......................................................................
Nonunion .................................................................
1.3
0.3
–
0.3
–
–
3.5
1.4
3.5
1.4
–
–
3.5
1.4
3.5
1.4
0.1
0.4
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.1
0.2
0.5
0.5
0.7
–
0.2
–
0.5
0.7
–
–
–
–
–
5.1
2.3
1.8
1.7
2.0
5.1
2.3
1.8
1.7
2.0
–
–
–
–
–
4.8
2.3
1.8
1.7
2.0
4.7
2.3
1.9
1.7
2.1
0.5
0.4
0.3
0.7
1.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.3
1.1
0.3
–
–
–
–
–
–
1.7
2.9
2.2
1.7
2.9
2.2
–
–
–
1.7
3.4
2.1
1.8
3.4
2.4
0.6
–
0.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.4
1.0
1.0
0.5
0.6
0.4
–
–
–
–
–
–
–
–
–
1.7
1.9
2.7
3.0
1.6
1.7
1.9
2.7
3.0
1.6
–
–
–
–
–
1.6
1.7
2.5
2.2
2.0
1.6
2.0
2.5
2.1
2.1
0.4
0.6
0.1
0.5
0.6
Establishment characteristics
See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, National
Compensation Survey, 2014—continued
Allow non-emergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.8
0.3
1.0
1.5
0.3
0.9
1.0
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.8
3.4
3.4
4.3
4.0
4.7
3.6
4.6
1.8
3.4
3.4
4.3
4.0
4.7
3.6
4.6
–
–
–
–
–
–
–
–
2.3
3.6
2.4
3.3
4.0
6.1
3.2
4.3
2.4
3.4
2.7
3.7
4.1
6.1
3.8
4.5
0.7
0.5
1.5
2.4
0.5
0.9
1.7
0.5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.6
0.4
1.2
0.5
0.7
0.5
–
–
–
0.5
0.7
–
–
–
–
–
–
–
2.3
3.0
3.0
1.4
2.0
2.2
2.3
3.0
3.0
1.4
2.0
2.2
–
–
–
–
–
–
2.3
3.1
2.7
1.5
2.1
2.1
2.3
3.0
2.7
1.5
2.1
2.2
0.4
0.5
0.1
0.5
0.8
0.3
1.5
0.3
1.9
0.3
0.5
0.5
0.6
0.6
1.3
0.2
0.1
0.3
–
–
–
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.6
8.4
3.8
1.9
2.7
2.8
1.8
1.6
4.3
3.5
8.9
2.8
3.6
8.4
3.8
1.9
2.7
2.8
1.8
1.6
–
3.5
8.9
2.8
–
–
–
–
–
–
–
–
–
–
–
–
3.3
7.0
3.6
1.8
2.1
3.3
1.6
1.9
2.9
3.3
7.6
2.9
3.3
7.0
3.6
2.0
2.1
3.9
1.6
1.9
2.9
3.3
7.5
3.0
0.4
0.7
0.5
0.5
0.7
0.8
0.9
1.3
0.3
0.6
0.1
0.9
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 3. Medical care benefits: High deductible and non-high
deductible health plans,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans
Non-high
deductible health
plans
Worker characteristics
All workers ...............................................................
33
67
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 ....................
28
29
28
29
43
45
42
28
71
70
72
71
57
55
57
72
17
35
32
39
24
83
65
68
61
76
Full time ...................................................................
Part time ..................................................................
33
29
67
71
Union .......................................................................
Nonunion .................................................................
8
37
92
63
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
40
39
32
27
27
60
60
68
72
72
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
34
28
39
65
72
61
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
32
36
46
39
41
67
64
54
60
58
Establishment characteristics
See footnotes at end of table.
Table 3. Medical care benefits: High deductible and non-high
deductible health plans,1 private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans
Non-high
deductible health
plans
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 ...................
43
41
34
28
27
13
14
29
57
59
66
72
73
87
86
71
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
39
38
40
28
32
23
61
62
60
71
68
76
24
34
21
35
31
41
42
42
42
27
24
29
76
66
78
65
69
59
58
58
58
72
76
71
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The sum of the columns may not equal 100 since only plans with fixed, variable, or no deductibles
are included. Plans with other deductible formulas are not included. 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 $1,250 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical expenses, but the insured is responsible
for routine out-of-pocket expenses.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 3. Standard errors for medical care benefits: High
deductible and non-high deductible health plans,1 private industry
workers, National Compensation Survey, 2014
Characteristics
High deductible
health plans
Non-high
deductible health
plans
Worker characteristics
All workers ...............................................................
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 ....................
1.8
2.3
2.5
4.4
1.5
3.3
2.1
2.8
1.8
2.3
2.5
4.4
1.5
3.3
2.1
2.8
3.5
3.7
2.3
3.5
2.7
3.5
3.7
2.3
3.5
2.7
Full time ...................................................................
Part time ..................................................................
1.1
2.9
1.1
3.0
Union .......................................................................
Nonunion .................................................................
1.4
1.1
1.4
1.1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.4
2.0
1.6
1.8
2.7
4.4
2.0
1.6
1.8
2.8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
3.9
2.7
1.9
3.9
2.6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.3
1.8
2.8
2.6
2.4
1.3
1.8
2.8
2.6
2.4
Establishment characteristics
See footnotes at end of table.
Table 3. Standard errors for medical care benefits: High
deductible and non-high deductible health plans,1 private industry
workers, National Compensation Survey, 2014—continued
Characteristics
High deductible
health plans
Non-high
deductible health
plans
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 ...................
3.2
4.1
2.9
4.2
3.1
2.7
2.4
3.6
3.2
4.1
2.9
4.2
3.1
2.7
2.4
3.6
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.8
2.2
2.9
1.4
2.1
1.9
1.8
2.2
2.9
1.4
2.1
1.9
3.1
9.6
2.7
1.5
2.3
2.4
1.9
2.1
3.8
2.3
4.8
2.3
3.0
9.6
2.7
1.5
2.3
2.4
1.9
2.1
3.8
2.3
4.8
2.4
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 $1,250
to be classified as a HDHP. Normally the plan includes catastrophic coverage to protect against large
medical expenses, but the insured is responsible for routine out-of-pocket expenses.
2 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 4. Non-high deductible health plans: Summary of selected
tax-favored accounts,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in non-high deductible health plans = 100 percent)
Characteristics
Health
reimbursement
arrangement2
Flexible spending
account3
Worker characteristics
All workers ...............................................................
7
53
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 ....................
8
10
7
–
8
12
7
3
61
60
62
39
53
50
54
41
–
3
9
–
9
29
51
50
55
46
Full time ...................................................................
Part time ..................................................................
7
12
54
–
Union .......................................................................
Nonunion .................................................................
8
7
48
54
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
9
5
7
8
10
–
44
51
63
66
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
48
27
55
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
8
13
21
–
–
–
4
3
55
51
–
72
65
65
62
74
Establishment characteristics
See footnotes at end of table.
Table 4. Non-high deductible health plans: Summary of selected
tax-favored accounts,1 private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in non-high deductible health plans = 100 percent)
Characteristics
Health
reimbursement
arrangement2
Flexible spending
account3
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 ...................
Leisure and hospitality .........................................
Other services ......................................................
–
–
–
–
–
–
–
–
–
–
67
73
58
58
51
63
82
48
55
50
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4
4
10
11
8
37
36
64
56
74
–
–
–
6
7
–
–
8
–
16
6
–
7
52
61
49
59
61
63
52
56
54
61
44
38
47
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The sum of the columns may not equal 100 since workers may participate in more than one
tax-favored account.
2 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse
employees for any qualified medical expenses. HRAs may be offered with any medical plan.
3 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for
qualified medical expenses. Money is deducted from an employee’s earnings and is not subject to payroll
taxes. Any funds not used by the end of the plan year are forfeited by the employee.
4 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 4. Standard errors for non-high deductible health plans:
Summary of selected tax-favored accounts, private industry
workers, National Compensation Survey, 2014
Characteristics
Health
reimbursement
arrangement1
Flexible spending
account2
Worker characteristics
All workers ...............................................................
1.0
1.7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.8
2.6
1.7
–
1.4
2.0
1.5
0.7
2.7
3.9
3.3
6.1
2.7
4.2
3.3
3.6
–
0.8
2.3
–
2.0
5.7
4.5
3.7
5.5
4.5
Full time ...................................................................
Part time ..................................................................
1.1
2.7
1.7
–
Union .......................................................................
Nonunion .................................................................
1.7
1.2
3.9
1.7
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.3
1.2
2.0
1.4
2.2
–
3.7
2.6
2.2
3.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
2.9
6.2
3.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.2
2.2
3.4
–
–
–
0.8
0.8
2.1
2.6
–
5.2
11.2
6.9
4.8
3.9
Establishment characteristics
See footnotes at end of table.
Table 4. Standard errors for non-high deductible health plans:
Summary of selected tax-favored accounts, private industry
workers, National Compensation Survey, 2014—continued
Characteristics
Health
reimbursement
arrangement1
Flexible spending
account2
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 ...................
Leisure and hospitality .........................................
Other services ......................................................
–
–
–
–
–
–
–
–
–
–
7.0
2.8
4.6
6.2
5.1
5.8
4.0
6.0
11.1
9.8
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.8
0.8
1.6
2.3
2.0
2.6
2.9
2.0
3.1
2.4
–
–
–
1.5
2.0
–
–
1.8
–
4.0
1.5
–
1.3
3.4
7.3
3.6
2.5
2.9
7.1
5.8
3.6
4.0
7.7
3.7
5.2
4.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse
employees for any qualified medical expenses. HRAs may be offered with any medical plan.
2 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for
qualified medical expenses. Money is deducted from an employee’s earnings and is not subject to payroll
taxes. Any funds not used by the end of the plan year are forfeited by the employee.
3 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2014
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Worker characteristics
All workers ...............................................................
80
–
$300
$500
$800
$1,000
20
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 ............................................................
79
78
80
62
83
83
83
81
$200
225
200
–
250
250
250
200
300
300
250
300
350
400
350
250
500
500
500
500
500
500
500
400
800
1,000
750
750
1,000
1,000
1,000
600
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
21
22
20
38
17
17
17
19
88
74
87
88
–
–
250
–
250
250
300
300
400
500
500
500
500
750
750
–
1,000
1,000
1,000
1,000
12
26
13
12
Full time ...................................................................
Part time ..................................................................
80
74
–
250
300
250
500
–
800
750
1,000
1,000
20
26
Union .......................................................................
Nonunion .................................................................
78
80
–
250
250
300
400
500
500
950
1,000
1,000
22
20
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
74
81
81
79
81
250
250
250
200
225
300
350
300
300
275
500
500
500
500
500
800
1,000
750
750
750
1,000
1,000
1,000
1,000
1,000
26
19
19
21
19
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
85
80
86
–
200
225
300
300
300
500
500
500
750
750
750
1,000
1,000
1,000
15
20
14
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
78
85
83
81
80
80
89
–
250
250
250
200
250
300
300
300
–
–
300
350
350
500
500
500
500
500
500
500
950
750
750
950
750
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
22
15
17
19
20
20
11
Establishment characteristics
See footnotes at end of table.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2014—continued
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
92
83
47
82
81
71
66
70
73
$300
250
250
250
250
250
250
200
–
$350
–
250
300
300
–
250
250
–
$500
500
–
500
500
500
400
500
600
$1,000
600
–
950
750
1,000
500
500
1,000
$1,000
1,000
1,200
1,000
1,000
1,000
1,000
1,000
1,000
8
17
53
18
19
29
34
30
27
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
76
74
82
82
83
82
250
250
250
200
200
200
350
350
300
300
300
250
500
500
500
500
500
500
1,000
1,000
1,000
750
800
750
1,000
1,000
1,000
1,000
1,000
1,000
24
26
18
18
17
18
79
82
79
87
84
86
85
66
64
200
300
–
–
200
250
250
200
200
250
–
250
300
300
350
350
250
250
500
500
500
500
500
500
500
500
500
750
600
–
900
1,000
750
750
750
750
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
21
18
21
13
16
14
15
34
36
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2014
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Worker characteristics
All workers ...............................................................
1.5
–
$0
$0
$106
$0
1.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
1.8
2.7
2.5
7.1
1.8
3.0
2.0
2.8
$33
25
21
–
0
0
0
25
9
22
65
22
44
52
68
0
0
0
0
0
0
0
0
98
145
0
38
203
13
75
9
144
0
0
0
0
0
0
0
0
1.8
2.7
2.5
7.1
1.8
3.0
2.0
2.8
2.4
4.5
2.5
2.6
–
–
12
–
25
24
0
16
76
66
0
0
47
84
9
–
32
0
0
0
2.4
4.5
2.5
2.6
Full time ...................................................................
Part time ..................................................................
1.6
4.1
–
35
0
60
0
–
111
146
0
0
1.6
4.1
Union .......................................................................
Nonunion .................................................................
3.6
1.6
–
12
0
20
93
0
0
136
67
0
3.6
1.6
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.5
3.2
2.1
1.6
1.9
39
0
30
13
23
41
37
9
58
49
0
47
0
0
0
196
39
36
34
65
0
0
0
0
0
7.5
3.2
2.1
1.6
1.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.9
2.9
2.4
–
0
15
0
9
13
0
55
0
95
202
61
0
0
0
1.9
2.9
2.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.9
1.9
4.5
3.0
3.8
5.1
2.0
–
0
22
0
0
0
56
0
0
–
–
75
0
13
0
0
0
0
114
0
0
186
45
74
61
220
192
208
0
0
0
0
36
0
0
1.9
1.9
4.5
3.0
3.8
5.1
2.0
Establishment characteristics
See footnotes at end of table.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2014—continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.9
3.3
11.8
3.0
3.4
3.8
5.3
3.9
4.4
$54
62
0
0
65
25
27
0
–
$0
–
45
71
67
–
29
16
–
$0
67
–
0
9
76
118
105
139
$187
178
–
186
188
36
114
0
0
$0
0
283
0
0
0
0
211
0
1.9
3.3
11.8
3.0
3.4
3.8
5.3
3.9
4.4
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.9
3.8
2.7
1.4
2.4
1.8
0
18
9
0
29
0
0
13
41
59
25
33
0
0
32
0
0
0
63
204
48
16
187
153
0
0
0
0
0
0
2.9
3.8
2.7
1.4
2.4
1.8
1.9
3.7
2.2
2.1
2.8
2.1
2.5
4.5
4.6
21
57
–
–
31
0
0
40
24
49
–
0
0
0
57
69
56
36
0
0
0
0
0
0
0
0
78
165
155
–
195
143
187
0
216
88
0
165
0
0
0
0
0
0
0
1.9
3.7
2.2
2.1
2.8
2.1
2.5
4.5
4.6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
Table 6. High deductible health plans:1 Summary of selected tax-favored
accounts,2 private industry workers, National Compensation Survey, 2014
(All workers participating in high deductible health plans = 100 percent)
Characteristics
Health savings
account3
Health
reimbursement
arrangement4
Flexible spending
account5
Worker characteristics
All workers ...............................................................
42
22
47
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
46
44
48
36
41
34
44
32
35
45
49
37
21
14
26
21
26
39
20
12
16
22
18
29
56
47
62
39
47
35
52
29
34
43
53
26
Full time ...................................................................
Part time ..................................................................
43
29
21
48
48
29
Union .......................................................................
Nonunion .................................................................
56
42
–
22
–
47
Average wage within the following categories6:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
28
39
45
48
51
30
25
15
23
19
–
46
48
54
51
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
42
20
47
16
–
19
46
–
49
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
42
38
47
30
–
–
24
36
19
50
18
19
47
26
41
21
75
81
Establishment characteristics
See footnotes at end of table.
Table 6. High deductible health plans:1 Summary of selected tax-favored
accounts,2 private industry workers, National Compensation Survey,
2014—continued
(All workers participating in high deductible health plans = 100 percent)
Characteristics
Health savings
account3
Health
reimbursement
arrangement4
Flexible spending
account5
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 ...................
–
72
56
59
25
43
51
24
22
14
21
–
–
–
21
–
88
78
50
44
66
53
67
67
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
36
35
39
48
47
52
18
18
18
27
28
24
36
31
49
58
51
72
43
47
38
42
48
29
43
39
53
48
41
51
31
24
22
21
20
23
20
–
17
20
23
19
40
40
48
44
46
53
53
–
57
39
46
36
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 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 $1,250 to be classified as a HDHP. Normally the
plan includes catastrophic coverage to protect against large medical expenses, but the insured is responsible for routine
out-of-pocket expenses.
2 The sum of the columns may not equal 100 since workers may participate in more than one tax-favored account.
3 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future
medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.
Accounts can accumulate tax-deferred interest.
4 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified
medical expenses. HRAs may be offered with any medical plan.
5 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical
expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of
the plan year are forfeited by the employee.
6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated
using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 6. Standard errors for high deductible health plans:1 Summary of selected
tax-favored accounts, private industry workers, National Compensation Survey,
2014
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account4
Worker characteristics
All workers ...............................................................
1.9
2.1
2.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.9
4.6
5.4
5.9
2.7
2.4
3.6
4.0
5.4
5.6
7.3
5.7
4.7
2.5
7.0
4.1
2.3
3.5
2.5
3.3
4.3
3.6
4.4
6.5
4.2
4.5
6.1
7.3
3.1
3.9
3.8
4.8
5.4
3.6
3.6
4.8
Full time ...................................................................
Part time ..................................................................
1.9
4.6
2.0
6.0
2.3
6.8
Union .......................................................................
Nonunion .................................................................
9.1
1.8
–
2.2
–
2.3
Average wage within the following categories5:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.7
3.0
3.6
3.8
5.3
4.6
3.1
1.6
4.5
3.9
–
3.2
2.9
3.8
5.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.7
5.7
5.3
3.3
–
3.9
3.8
–
4.1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.9
2.6
3.9
2.9
–
–
2.6
3.6
5.6
4.2
2.0
2.3
2.9
2.5
5.1
3.0
3.2
2.5
Establishment characteristics
See footnotes at end of table.
Table 6. Standard errors for high deductible health plans:1 Summary of selected
tax-favored accounts, private industry workers, National Compensation Survey,
2014—continued
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account4
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 ...................
–
3.2
5.2
8.8
3.8
10.3
7.5
4.0
3.6
3.0
5.5
–
–
–
5.2
–
2.5
3.8
6.7
9.8
9.4
10.0
8.3
10.1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.5
3.2
4.2
3.0
3.4
5.2
3.1
4.4
3.7
2.6
3.0
4.2
3.1
4.0
5.8
3.2
4.5
3.3
5.7
5.6
2.1
3.8
2.7
2.4
3.3
3.6
6.8
5.7
6.5
7.7
7.2
4.5
2.5
1.9
4.8
5.8
4.7
–
2.7
3.0
3.6
3.9
6.4
7.3
3.2
5.4
3.5
4.9
4.7
–
10.0
5.0
10.9
5.0
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 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 $1,250 to be classified as a HDHP. Normally the
plan includes catastrophic coverage to protect against large medical expenses, but the insured is responsible for routine
out-of-pocket expenses.
2 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future
medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.
Accounts can accumulate tax-deferred interest.
3 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified
medical expenses. HRAs may be offered with any medical plan.
4 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical
expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of
the plan year are forfeited by the employee.
5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated
using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 7. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2014
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
$1,500
$1,500
$2,000
$3,000
$4,000
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1,300
1,300
1,300
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,800
2,000
2,000
2,000
2,000
2,500
–
2,500
–
2,250
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
4,000
3,000
4,000
4,500
4,000
5,000
4,000
–
1,500
1,400
1,250
1,500
2,000
1,750
1,750
1,500
1,750
2,500
2,000
–
2,000
2,500
3,000
3,000
3,000
2,750
3,000
3,500
4,375
4,000
4,000
5,000
Full time ...................................................................
Part time ..................................................................
1,500
1,500
1,500
1,500
2,000
2,500
3,000
2,750
4,000
3,000
Union .......................................................................
Nonunion .................................................................
1,250
1,500
1,750
1,500
2,000
2,250
2,250
3,000
2,750
4,000
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1,500
1,500
1,500
1,300
1,300
2,000
1,700
1,500
1,500
1,500
2,600
2,250
2,000
2,000
2,000
3,000
3,000
2,750
3,000
2,800
5,000
4,000
3,500
3,250
4,000
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1,300
1,500
1,300
1,500
1,500
1,500
2,000
2,000
2,000
3,000
3,000
3,000
4,000
3,500
4,000
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,750
1,500
1,500
2,250
2,500
2,500
2,000
2,000
3,000
2,750
2,750
2,500
2,500
4,000
3,500
3,500
3,000
3,000
Establishment characteristics
See footnotes at end of table.
Table 7. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2014—continued
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
$1,500
1,300
1,500
1,300
1,250
1,250
1,250
1,250
$1,500
1,500
1,800
1,650
1,500
1,500
1,500
1,500
$2,000
2,000
2,500
2,000
2,500
–
1,500
2,500
$2,500
2,500
2,650
2,500
3,000
2,500
2,500
3,000
$3,000
3,000
3,000
3,000
5,000
–
3,500
5,000
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1,500
1,500
1,500
1,300
1,300
1,300
2,000
2,000
2,000
1,500
1,500
1,500
2,500
2,500
–
2,000
2,000
1,750
3,000
3,000
3,000
2,750
2,750
2,500
5,000
5,000
5,000
3,500
4,000
3,000
1,300
1,300
1,400
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,400
1,500
1,500
1,500
1,750
1,500
1,500
1,700
1,750
1,750
1,750
1,500
1,500
1,500
2,050
–
–
2,000
–
2,000
2,500
2,500
2,350
2,000
2,000
2,250
3,000
3,000
2,750
2,750
3,000
2,750
3,000
3,000
3,000
2,700
2,500
3,000
3,000
3,000
–
3,500
3,500
3,200
5,000
5,000
–
3,000
3,000
4,000
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 $1,250 to be classified as a HDHP. Normally the plan includes catastrophic
coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 7. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2014
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
$65
$39
$283
$0
$182
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 ....................
34
134
41
92
0
0
0
0
0
0
0
147
24
201
116
265
0
0
481
301
–
278
–
384
272
301
384
0
46
151
46
36
151
1,158
0
619
914
292
991
735
–
0
136
106
0
91
177
329
127
140
645
121
–
219
91
270
36
229
301
83
332
1,066
91
447
1,353
Full time ...................................................................
Part time ..................................................................
109
0
34
349
165
73
0
228
158
46
Union .......................................................................
Nonunion .................................................................
88
33
322
41
0
391
241
0
264
182
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
0
174
72
110
161
160
113
0
0
219
395
0
90
65
0
0
301
147
277
616
91
576
590
976
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
98
0
56
103
430
111
78
182
222
26
199
165
0
158
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0
0
0
158
62
93
0
121
0
0
317
232
0
0
0
0
214
46
56
0
601
652
912
0
0
Establishment characteristics
See footnotes at end of table.
Table 7. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2014—continued
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
$0
45
137
52
186
190
0
204
$0
0
214
254
0
0
157
0
$0
136
341
524
130
–
143
91
$36
18
312
0
296
306
0
344
$0
52
0
90
0
–
836
0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0
0
69
26
47
16
0
0
315
0
0
0
0
0
–
18
0
79
0
0
137
32
0
193
782
799
1,478
580
638
0
0
54
161
39
293
0
156
221
91
18
228
0
41
197
359
86
78
212
80
177
203
0
0
55
576
–
–
0
–
0
132
94
386
123
0
373
329
65
182
254
341
129
0
79
112
144
0
316
896
0
–
348
910
674
0
0
–
671
90
1,079
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 $1,250 to be classified as a HDHP. Normally the plan includes catastrophic
coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 8. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2014
(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 characteristics
All workers ...............................................................
96
4
–
81
19
–
92
7
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 ....................
95
96
95
95
97
96
97
97
5
–
5
–
3
–
3
3
–
–
–
–
–
–
–
–
78
82
76
78
83
90
80
83
22
18
24
22
17
10
20
17
–
–
–
–
–
–
–
–
92
92
92
88
92
93
92
91
7
7
7
12
7
–
7
8
1
(1)
1
–
1
–
1
1
99
95
96
97
95
–
5
4
3
–
–
–
–
–
–
85
82
83
83
83
15
18
17
17
17
–
–
–
–
–
83
96
93
94
93
15
–
7
–
7
2
–
–
–
–
Full time ...................................................................
Part time ..................................................................
96
95
4
–
–
–
81
78
19
22
–
–
92
95
8
–
1
–
Union .......................................................................
Nonunion .................................................................
94
96
6
4
–
–
78
82
22
18
–
–
84
93
14
7
2
1
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
98
96
94
96
–
2
4
6
4
–
–
–
–
–
90
81
80
79
82
10
19
20
21
18
–
–
–
–
–
96
93
91
91
92
–
7
9
8
7
–
1
1
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
97
100
96
3
–
4
–
–
–
84
91
81
16
9
19
–
–
–
93
92
93
6
–
–
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
95
95
97
100
99
5
5
–
–
–
–
–
–
–
–
80
84
86
86
87
20
16
14
14
13
–
–
–
–
–
91
92
93
94
93
8
8
–
3
4
1
–
–
3
3
Establishment characteristics
See footnotes at end of table.
Table 8. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
99
98
98
91
78
86
94
–
–
–
–
9
–
14
–
–
–
–
–
–
–
–
–
86
91
82
81
67
58
70
69
14
9
18
19
33
42
30
31
–
–
–
–
–
–
–
–
92
96
91
94
86
85
83
86
–
–
9
–
13
15
17
12
–
–
–
–
1
–
–
1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
97
97
97
95
95
94
3
–
–
5
5
6
–
–
–
–
–
–
75
76
73
85
88
81
25
24
27
15
12
19
–
–
–
–
–
–
92
92
93
92
92
91
8
8
7
7
7
8
(1)
(1)
(1)
1
1
1
92
95
91
97
96
98
96
96
98
97
98
96
8
5
9
3
4
–
4
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
66
71
64
83
79
89
82
80
86
91
89
92
34
29
36
17
21
11
18
20
14
9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
78
82
76
96
94
97
95
94
96
95
92
97
21
18
22
4
6
–
5
6
–
–
–
3
1
–
2
1
( )
(1)
–
(1)
(1)
–
–
–
(1)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 8. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2014
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
0.5
0.5
–
1.5
1.5
–
0.9
0.8
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.9
1.8
1.0
1.9
0.7
2.0
0.7
0.7
0.9
–
1.0
–
0.7
–
0.7
0.7
–
–
–
–
–
–
–
–
2.2
2.5
2.8
3.0
1.7
1.8
2.3
2.4
2.2
2.5
2.8
3.0
1.7
1.8
2.3
2.4
–
–
–
–
–
–
–
–
1.0
2.1
1.1
2.2
1.4
2.6
1.5
1.8
1.0
2.0
1.0
2.2
1.3
–
1.4
1.7
0.4
0.4
0.7
–
0.7
–
0.7
0.6
0.6
1.1
0.9
0.8
1.6
–
1.1
0.9
0.8
–
–
–
–
–
–
4.0
2.4
2.5
3.0
3.3
4.0
2.4
2.5
3.0
3.3
–
–
–
–
–
3.9
1.2
1.6
2.2
1.8
3.7
–
1.6
–
1.8
1.4
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.5
2.5
0.5
–
–
–
1.5
3.9
1.5
3.9
–
–
0.9
1.6
0.9
–
0.3
–
Union .......................................................................
Nonunion .................................................................
1.3
0.5
1.3
0.5
–
–
3.2
1.5
3.2
1.5
–
–
2.0
0.9
2.5
0.8
1.3
0.3
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.3
0.6
0.9
1.0
0.8
–
0.6
0.9
1.0
0.8
–
–
–
–
–
1.6
1.9
2.0
2.2
3.0
1.6
1.9
2.0
2.2
3.0
–
–
–
–
–
1.3
1.1
1.6
1.1
1.1
–
1.0
1.6
1.1
1.1
–
0.4
0.3
0.4
0.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.6
0.3
0.8
0.6
–
0.8
–
–
–
3.2
2.6
4.0
3.2
2.6
4.0
–
–
–
1.8
2.0
2.6
1.7
–
–
0.3
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
1.1
1.3
0.3
0.3
0.6
1.1
–
–
–
–
–
–
–
–
1.7
1.6
2.2
1.9
2.5
1.7
1.6
2.2
1.9
2.5
–
–
–
–
–
1.0
1.3
2.2
2.6
2.9
1.0
1.3
–
0.9
1.0
0.4
–
–
2.5
2.9
Establishment characteristics
See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2014—continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.1
0.7
0.7
1.1
2.0
7.1
4.2
2.1
–
–
–
–
2.0
–
4.2
–
–
–
–
–
–
–
–
–
2.3
2.7
3.7
3.5
4.5
6.2
4.2
5.1
2.3
2.7
3.7
3.5
4.5
6.2
4.2
5.1
–
–
–
–
–
–
–
–
5.9
1.9
2.5
1.7
2.0
3.8
3.2
2.3
–
–
2.5
–
2.3
3.8
3.2
2.8
–
–
–
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.9
1.4
0.7
1.1
1.0
0.7
–
–
0.7
1.1
1.0
–
–
–
–
–
–
2.3
2.8
3.1
1.6
1.7
2.5
2.3
2.8
3.1
1.6
1.7
2.5
–
–
–
–
–
–
1.2
1.5
1.8
1.1
1.6
1.7
1.2
1.5
1.7
1.1
1.5
1.8
0.2
0.3
0.3
0.5
0.7
0.7
1.7
1.5
2.1
0.6
1.0
0.9
0.6
0.8
1.0
1.1
1.1
1.6
1.7
1.5
2.1
0.6
1.0
–
0.6
0.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.8
4.9
7.2
1.5
2.4
2.0
2.7
3.8
2.9
2.1
4.1
2.3
5.8
4.9
7.2
1.5
2.4
2.0
2.7
3.8
2.9
2.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.5
3.4
4.4
0.7
1.0
1.1
1.0
1.3
1.1
1.6
4.2
0.7
3.7
3.4
4.5
0.6
1.0
–
1.0
1.3
–
–
–
0.7
0.9
–
1.1
0.2
0.1
–
0.1
0.1
–
–
–
0.2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 9. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,
2014
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Other
deductible2
Most
generous
coverage1
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
96
–
–
63
$1,000
$2,000
$1,000
–
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
95
96
95
94
96
95
97
96
–
–
–
–
–
–
–
40
–
–
–
–
–
–
–
$500
62
61
64
60
70
73
69
56
1,000
1,000
1,000
1,250
1,000
1,500
1,000
1,000
2,000
2,000
2,000
2,500
2,500
3,000
2,000
–
1,000
1,000
1,000
–
–
–
–
–
–
–
–
–
–
–
–
–
5
–
5
–
4
–
3
4
–
–
–
–
–
–
–
–
98
95
96
97
95
58
27
–
–
–
400
1,000
–
–
–
40
68
59
63
54
–
1,250
–
950
650
–
–
1,500
1,750
1,200
–
–
–
–
–
–
–
–
–
–
–
5
4
3
5
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
96
93
–
–
–
–
63
64
1,000
1,000
2,000
–
1,000
–
–
–
4
–
–
–
Union .......................................................................
Nonunion .................................................................
92
96
–
–
–
–
53
64
500
1,000
1,000
2,000
–
1,000
–
–
8
4
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
96
98
96
94
96
–
–
–
–
–
–
–
–
–
–
61
69
64
59
59
1,250
1,000
1,000
1,000
–
3,000
2,500
2,000
2,000
2,000
–
–
1,000
–
–
–
–
–
–
–
–
2
4
6
4
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
97
99
96
–
62
–
–
500
–
53
37
61
1,000
1,500
–
2,000
3,000
–
–
–
–
–
–
–
3
–
4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
95
95
95
100
99
–
–
–
–
–
–
–
–
–
–
66
69
72
65
62
1,000
1,000
1,500
1,000
1,000
2,000
2,500
3,000
2,000
2,000
1,000
–
–
–
–
–
–
–
–
–
5
5
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 9. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
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
99
98
98
91
78
86
94
29
47
34
37
–
24
27
–
$1,000
1,300
–
–
–
–
500
–
70
52
64
60
68
53
58
70
$1,250
–
950
–
1,000
500
500
1,000
$2,500
–
2,000
–
2,000
1,000
1,000
2,000
–
–
–
–
–
$400
400
–
–
–
–
–
–
–
–
–
–
–
–
–
9
–
14
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
97
97
97
94
95
94
–
–
–
–
–
–
–
–
–
–
–
–
65
65
66
61
62
60
1,250
1,500
1,000
950
1,000
750
2,550
3,000
2,000
1,500
1,750
1,500
1,000
1,000
–
–
1,250
–
–
–
–
–
–
–
3
–
–
6
5
6
–
–
–
–
–
–
92
95
91
97
96
98
96
96
96
97
98
96
–
38
–
–
–
40
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
60
56
61
63
66
58
68
70
64
60
63
58
750
650
–
1,000
1,000
1,200
1,000
1,200
1,000
1,000
1,000
1,000
1,000
–
1,000
2,500
2,000
3,000
2,500
2,500
2,500
2,000
–
2,000
–
–
–
1,000
–
1,000
–
500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
8
5
9
3
4
–
4
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2014
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
deductible2
With no
deductible
Not
determinable
Most generous
coverage1
Worker characteristics
All workers ...............................................................
0.5
–
–
1.2
$0
$0
$230
–
0.5
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.9
1.8
1.0
2.1
0.8
2.0
0.7
0.9
–
–
–
–
–
–
–
3.0
–
–
–
–
–
–
–
$18
2.0
2.4
2.5
4.4
1.9
2.4
2.3
3.0
0
0
46
227
255
352
18
290
0
134
0
327
492
329
350
–
73
0
199
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
–
1.0
–
0.8
–
0.7
0.9
–
–
–
–
–
–
–
–
1.3
1.1
0.9
0.8
1.6
6.3
3.5
–
–
–
115
146
–
–
–
6.3
3.5
2.6
2.9
4.4
–
302
–
114
66
–
–
325
270
281
–
–
–
–
–
–
–
–
–
–
–
1.1
0.9
0.8
1.6
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.5
2.8
–
–
–
–
1.2
5.5
0
0
0
–
157
–
–
–
0.5
–
–
–
Union .......................................................................
Nonunion .................................................................
1.7
0.5
–
–
–
–
3.4
1.2
26
0
32
200
–
52
–
–
1.7
0.5
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
0.6
0.9
1.0
0.8
–
–
–
–
–
–
–
–
–
–
4.3
2.2
2.1
1.9
3.2
309
94
0
116
–
645
358
240
149
241
–
–
229
–
–
–
–
–
–
–
–
0.6
0.9
1.0
0.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.7
0.9
0.8
–
3.5
–
–
0
–
2.3
3.5
3.1
219
433
–
500
566
–
–
–
–
–
–
–
0.7
–
0.8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
1.1
1.7
0.3
0.3
–
–
–
–
–
–
–
–
–
–
1.4
2.4
3.5
2.6
2.6
0
63
65
235
283
0
475
474
200
157
184
–
–
–
–
–
–
–
–
–
0.6
1.1
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2014—continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible2
With no
deductible
Not
determinable
Most generous
coverage1
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.1
0.7
0.6
0.9
2.0
7.1
4.2
2.1
3.3
4.5
4.6
5.6
–
5.2
4.8
–
$0
58
–
–
–
–
0
–
3.3
4.1
4.6
5.6
2.8
6.4
5.7
3.0
$365
–
128
–
65
88
0
289
$439
–
151
–
324
137
45
596
–
–
–
–
–
$0
0
–
–
–
–
–
–
–
–
–
–
–
–
–
2.0
–
4.2
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.9
1.4
0.7
1.1
1.0
–
–
–
–
–
–
–
–
–
–
–
–
2.2
2.6
3.6
1.5
2.3
2.8
275
295
298
100
42
149
579
213
453
303
233
351
0
0
–
–
0
–
–
–
–
–
–
–
0.7
–
–
0.7
1.1
1.0
–
–
–
–
–
–
1.7
1.5
2.1
0.6
1.1
0.9
0.7
0.7
1.7
1.1
1.1
1.6
–
5.4
–
–
–
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.1
5.0
5.0
1.5
2.1
2.3
2.0
2.0
4.3
3.2
5.0
4.0
192
169
–
0
0
267
253
244
186
16
54
103
119
–
97
220
74
539
514
540
636
479
–
595
–
–
–
0
–
0
–
0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.7
1.5
2.1
0.6
1.1
–
0.7
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 10. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation
Survey, 2014
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
96
$250
$500
$1,000
$2,000
$3,000
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
95
96
95
94
96
95
97
96
250
250
250
250
300
–
300
250
–
500
400
500
500
500
500
300
1,000
1,000
750
1,200
1,100
1,250
1,000
–
1,500
1,500
1,500
2,500
–
2,500
2,250
2,000
2,500
2,750
2,500
3,000
3,000
3,000
3,000
3,000
5
–
5
–
4
–
3
4
–
–
–
–
–
–
–
–
98
95
96
97
95
–
250
250
250
250
300
–
500
500
300
500
1,000
750
1,000
600
1,000
2,000
1,750
2,000
1,500
2,500
3,000
2,700
2,700
2,700
–
5
4
3
5
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
96
93
250
250
500
–
1,000
950
2,000
2,000
3,000
2,750
4
–
–
–
Union .......................................................................
Nonunion .................................................................
92
96
200
250
250
500
500
1,000
–
2,000
1,500
3,000
8
4
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
96
98
96
94
96
300
300
250
250
250
500
500
500
350
350
1,150
1,000
1,000
750
750
2,600
2,000
2,000
1,500
1,500
3,000
3,000
2,750
2,500
2,500
–
2
4
6
4
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
97
99
96
250
250
250
450
350
500
800
–
1,000
2,000
–
2,000
3,000
3,000
3,000
3
–
4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
95
95
95
100
99
250
250
300
350
350
500
500
500
500
500
1,000
1,000
1,500
1,250
1,250
2,000
2,000
2,500
2,000
2,000
3,000
3,000
3,000
3,000
2,500
5
5
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 10. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
99
98
98
91
78
86
94
$350
–
250
250
250
250
250
250
$500
600
500
450
500
300
350
500
$1,250
1,250
1,000
–
1,000
500
500
1,000
$2,000
2,000
2,000
1,500
1,600
1,000
1,000
2,000
$3,000
2,800
2,600
2,500
3,000
–
–
3,000
–
–
–
–
9
–
14
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
97
97
97
94
95
94
300
300
250
250
250
225
500
500
500
400
500
300
1,000
1,000
1,000
750
950
650
2,500
2,500
2,000
1,500
1,700
1,500
3,000
3,000
3,000
2,600
2,750
2,300
3
–
–
6
5
6
–
–
–
–
–
–
92
95
91
97
96
98
96
96
96
97
98
96
250
300
225
250
250
300
300
300
300
250
–
250
–
500
–
500
–
500
500
500
500
–
–
–
750
–
750
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
950
1,500
1,300
–
1,800
1,500
2,000
2,500
2,500
2,000
1,500
1,500
1,600
2,500
2,000
2,500
2,750
2,750
3,000
3,000
3,300
3,000
2,500
2,500
2,700
8
5
9
3
4
–
4
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 10. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2014
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
deductible
90th
percentile
Not
determinable
Worker characteristics
All workers ...............................................................
0.5
$0
$13
$0
$36
$0
0.5
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.9
1.8
1.0
2.1
0.8
2.0
0.7
0.9
0
13
0
50
13
–
13
8
–
29
98
9
0
44
0
44
193
0
113
298
193
280
136
–
0
162
0
396
–
309
436
228
195
268
127
289
0
38
0
0
0.9
–
1.0
–
0.8
–
0.7
0.9
–
–
–
–
–
–
–
–
1.3
1.1
0.9
0.8
1.6
–
0
0
61
0
63
–
143
0
61
82
165
112
49
144
210
0
302
18
354
718
89
185
268
244
–
1.1
0.9
0.8
1.6
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.5
2.8
0
0
0
–
0
195
41
421
0
0
0.5
–
–
–
Union .......................................................................
Nonunion .................................................................
1.7
0.5
57
24
25
0
41
0
–
0
431
0
1.7
0.5
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
0.6
0.9
1.0
0.8
53
13
0
10
14
0
0
50
47
75
257
0
40
38
112
228
46
52
0
0
392
0
262
199
94
–
0.6
0.9
1.0
0.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.7
0.9
0.8
3
16
24
105
75
33
161
–
78
290
–
83
295
365
276
0.7
–
0.8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
1.1
1.7
0.3
0.3
0
0
22
18
0
0
51
94
75
102
0
13
246
116
158
0
0
127
0
0
0
209
147
255
294
0.6
1.1
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,
National Compensation Survey, 2014—continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.1
0.7
0.6
0.9
2.0
7.1
4.2
2.1
$0
–
36
0
0
0
47
32
$30
12
69
127
16
82
61
115
$355
68
104
–
0
0
0
0
$0
65
250
442
455
166
221
498
$456
372
147
474
498
–
–
857
–
–
–
–
2.0
–
4.2
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.9
1.4
0.7
1.1
1.0
0
49
50
5
0
25
0
0
52
59
130
79
53
88
154
100
102
118
189
129
558
0
242
55
0
117
0
151
147
321
0.7
–
–
0.7
1.1
1.0
–
–
–
–
–
–
1.7
1.5
2.1
0.6
1.1
0.9
0.7
0.7
1.7
1.1
1.1
1.6
20
27
40
0
0
46
0
0
47
16
–
22
–
0
–
72
–
0
0
0
69
–
–
–
170
–
214
0
18
0
113
153
224
253
297
283
87
248
–
285
223
36
481
336
382
275
132
329
44
459
199
188
47
289
520
892
338
212
0
390
1.7
1.5
2.1
0.6
1.1
–
0.7
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 11. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,
2014
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
94
–
–
62
$2,250
$4,500
$2,000
–
6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
94
93
94
91
95
95
95
94
–
–
–
–
–
–
–
38
–
–
–
–
–
–
–
$1,500
61
59
63
59
70
73
68
56
2,000
2,000
2,100
3,000
3,000
3,000
3,000
2,250
4,500
4,500
4,200
5,000
6,000
6,000
6,000
–
2,000
2,000
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6
–
6
9
5
–
5
6
–
–
–
–
–
–
–
–
95
93
93
93
92
55
26
–
–
–
1,050
2,000
–
–
–
40
67
58
62
54
2,000
2,500
1,950
1,950
1,950
–
–
3,450
3,900
–
–
–
–
–
–
–
–
–
–
–
–
7
7
7
8
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
94
89
–
–
–
–
62
64
2,300
2,000
4,800
3,000
2,000
–
–
–
6
11
–
–
Union .......................................................................
Nonunion .................................................................
88
94
–
–
–
–
52
64
–
2,500
2,000
5,000
–
2,000
–
–
12
6
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
92
97
93
92
94
–
–
–
–
–
–
–
–
–
–
59
68
63
58
57
3,000
3,000
2,000
2,000
2,000
6,000
5,600
4,000
4,000
4,000
4,500
–
2,000
2,000
–
–
–
–
–
–
8
3
7
8
6
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
93
97
92
–
60
–
–
1,500
–
51
37
58
2,000
–
1,800
4,000
–
4,000
–
–
–
–
–
–
7
–
8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
94
93
93
99
99
–
–
–
–
–
–
–
–
–
–
66
68
72
65
62
2,400
2,300
3,000
2,500
2,500
4,800
5,600
7,000
4,500
5,000
2,000
3,600
3,600
–
–
–
–
–
–
–
6
7
7
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 11. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
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
97
96
97
91
77
84
93
29
45
34
37
–
24
27
–
$2,500
2,600
–
–
–
–
1,500
–
70
52
63
60
68
52
56
70
$2,550
2,550
1,950
1,500
3,000
–
–
3,000
$5,000
4,500
4,000
4,000
6,000
3,000
2,000
6,000
–
–
–
–
–
$800
800
–
–
–
–
–
–
–
–
–
–
–
–
–
9
–
16
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
96
96
96
92
92
92
–
–
–
–
–
–
–
–
–
–
–
–
65
64
66
60
62
58
3,000
3,000
3,000
2,000
2,000
1,800
6,000
6,000
5,000
3,750
4,000
3,000
2,000
2,000
–
–
3,000
–
–
–
–
–
–
–
4
4
–
8
8
8
–
–
–
–
–
–
90
91
90
96
95
98
94
93
97
92
96
90
–
34
–
–
–
40
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
59
56
59
62
66
58
67
69
64
58
63
55
1,500
1,800
1,500
2,400
2,100
3,000
2,600
3,000
2,400
2,000
–
2,000
2,500
–
2,400
5,000
4,500
6,000
6,000
6,000
5,000
4,500
–
4,500
–
–
–
2,000
–
2,000
–
1,500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
9
10
4
5
–
6
7
–
8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed
using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 11. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2014
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
0.7
–
–
1.2
$180
$359
$345
–
0.7
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.1
2.2
1.1
2.4
0.8
2.1
0.8
1.7
–
–
–
–
–
–
–
2.9
–
–
–
–
–
–
–
$391
2.0
2.4
2.5
4.3
1.9
2.4
2.3
3.0
214
117
442
18
82
482
55
447
595
573
547
1,078
323
555
592
–
213
0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.1
–
1.1
2.4
0.8
–
0.8
1.7
–
–
–
–
–
–
–
–
3.5
1.5
1.4
1.6
2.2
5.4
3.5
–
–
–
239
46
–
–
–
6.3
3.5
2.6
3.0
4.4
242
589
49
89
97
–
–
302
604
–
–
–
–
–
–
–
–
–
–
–
–
1.5
1.4
1.6
2.2
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.7
3.0
–
–
–
–
1.2
5.5
169
119
429
604
318
–
–
–
0.7
3.0
–
–
Union .......................................................................
Nonunion .................................................................
1.9
0.7
–
–
–
–
3.3
1.2
–
110
164
36
–
413
–
–
1.9
0.7
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
0.7
1.1
1.2
1.6
–
–
–
–
–
–
–
–
–
–
4.3
2.2
2.0
2.0
3.3
280
599
138
9
162
648
948
351
36
385
0
–
356
495
–
–
–
–
–
–
1.9
0.7
1.1
1.2
1.6
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.5
2.5
1.9
–
3.7
–
–
186
–
2.3
3.5
3.1
114
–
380
503
–
718
–
–
–
–
–
–
1.5
–
1.9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.8
1.3
1.6
0.6
0.6
–
–
–
–
–
–
–
–
–
–
1.4
2.4
3.5
2.6
2.6
157
185
158
171
216
491
1,217
810
545
643
359
970
970
–
–
–
–
–
–
–
0.8
1.3
1.6
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2014—continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.3
1.4
1.4
1.4
2.0
7.1
4.1
2.1
3.4
4.4
4.7
5.8
–
5.2
4.8
–
$447
26
–
–
–
–
0
–
3.3
4.1
4.4
5.6
2.8
6.4
5.6
3.0
$618
596
134
179
0
–
–
0
$608
560
285
1,018
920
672
425
182
–
–
–
–
–
$13
13
–
–
–
–
–
–
–
–
–
–
–
–
–
2.0
–
4.1
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.9
1.1
1.8
0.9
1.3
1.4
–
–
–
–
–
–
–
–
–
–
–
–
2.2
2.5
3.6
1.5
2.2
2.8
0
0
605
49
16
362
0
0
930
428
267
537
0
0
–
–
713
–
–
–
–
–
–
–
0.9
1.1
–
0.9
1.3
1.4
–
–
–
–
–
–
1.7
1.5
2.1
0.7
1.3
0.9
1.1
1.5
1.0
2.1
2.1
3.1
–
5.6
–
–
–
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.9
5.0
4.8
1.5
2.1
2.3
2.0
1.9
4.3
3.4
5.0
4.3
270
528
264
133
276
456
422
184
427
580
–
511
504
–
275
873
499
887
989
530
1,169
963
–
919
–
–
–
103
–
0
–
356
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.7
1.5
2.1
0.7
1.3
–
1.1
1.5
–
2.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 12. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation
Survey, 2014
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
94
$600
$1,000
$2,000
$4,000
$6,000
6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
94
93
94
91
95
95
95
94
600
600
500
–
750
800
700
500
1,000
1,000
1,000
–
1,350
1,500
1,200
750
2,000
2,000
1,800
3,000
3,000
2,500
3,000
1,500
3,600
4,000
3,400
5,000
4,500
5,000
4,500
4,000
5,600
6,000
5,000
8,000
6,000
6,400
6,000
6,000
6
–
6
9
5
–
5
6
–
–
–
–
–
–
–
–
95
93
93
93
92
–
500
600
600
500
700
800
1,000
1,000
750
–
2,000
1,950
2,000
1,500
–
5,000
4,000
4,000
3,000
6,000
6,000
6,000
6,000
6,000
–
7
7
7
8
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
94
89
600
500
1,000
750
2,000
2,000
4,000
4,500
6,000
5,500
6
11
–
–
Union .......................................................................
Nonunion .................................................................
88
94
400
600
600
1,000
1,000
2,400
1,950
4,000
–
6,000
12
6
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
92
97
93
92
94
600
700
600
500
600
–
1,350
1,000
900
900
3,000
2,500
2,000
1,800
1,800
5,500
4,500
4,000
3,300
3,000
9,000
6,000
6,000
5,600
5,500
8
3
7
8
6
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
93
97
92
600
600
600
1,000
900
1,000
2,000
1,650
2,400
4,000
4,000
4,000
6,000
6,000
6,000
7
–
8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
94
93
93
99
99
600
600
750
700
750
1,000
1,000
1,500
1,500
1,500
2,000
2,000
3,000
2,600
2,500
4,000
4,250
5,000
4,000
4,000
6,000
6,000
6,000
6,000
5,600
6
7
7
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
97
96
97
91
77
84
93
$700
1,000
700
–
600
500
500
625
$1,500
1,800
1,000
1,000
1,000
–
750
–
$2,500
2,600
2,000
1,500
2,500
1,500
1,500
3,000
$4,000
4,000
4,000
3,000
4,500
3,000
2,500
4,500
$6,000
5,600
5,000
4,500
7,500
4,800
–
7,500
–
–
–
–
9
–
16
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
96
96
96
92
92
92
700
700
700
500
600
500
1,300
1,250
1,500
1,000
1,000
900
3,000
3,000
3,000
1,950
2,000
1,600
5,000
5,000
5,000
3,400
3,600
3,000
7,500
7,500
7,500
5,250
5,500
4,700
4
4
–
8
8
8
–
–
–
–
–
–
90
91
90
96
95
98
94
93
97
92
96
90
500
900
475
600
600
600
700
700
750
500
–
500
900
1,000
750
1,000
1,000
1,000
1,200
1,500
1,200
1,000
1,000
900
1,600
–
1,500
2,000
2,000
2,500
2,500
3,000
2,400
2,000
2,000
2,000
3,000
3,000
3,200
4,000
3,750
4,500
5,000
5,250
4,600
3,750
4,000
3,750
5,000
4,000
5,000
6,000
6,000
6,000
7,500
8,000
6,000
6,000
5,500
6,000
10
9
10
4
5
–
6
7
–
8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2014
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
deductible
90th
percentile
Not
determinable
Worker characteristics
All workers ...............................................................
0.7
$0
$0
$66
$0
$0
0.7
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.1
2.2
1.1
2.4
0.8
2.1
0.8
1.7
28
66
131
–
33
145
56
13
0
0
93
–
248
101
200
66
0
124
198
650
255
448
167
269
262
385
432
721
535
604
447
456
585
0
467
1,632
1,230
1,303
1,320
0
1.1
–
1.1
2.4
0.8
–
0.8
1.7
–
–
–
–
–
–
–
–
3.5
1.5
1.4
1.6
2.2
–
0
103
37
58
102
210
103
101
172
–
542
92
406
177
–
976
461
0
82
1,482
619
255
185
474
–
1.5
1.4
1.6
2.2
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.7
3.0
0
26
0
111
87
65
0
653
0
0
0.7
3.0
–
–
Union .......................................................................
Nonunion .................................................................
1.9
0.7
117
120
41
65
36
125
352
571
–
0
1.9
0.7
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
0.7
1.1
1.2
1.6
119
34
16
32
66
–
270
0
89
103
574
469
0
207
301
455
415
0
397
394
1,645
347
0
617
729
1.9
0.7
1.1
1.2
1.6
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.5
2.5
1.9
18
75
18
45
186
0
242
467
455
220
691
41
0
0
0
1.5
–
1.9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
0.8
1.3
1.6
0.6
0.6
0
71
109
52
93
0
0
327
114
0
240
97
451
295
317
0
456
385
0
0
0
0
524
0
568
0.8
1.3
1.6
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2014—continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.3
1.4
1.4
1.4
2.0
7.1
4.1
2.1
$44
52
110
–
158
0
0
149
$175
331
20
192
242
–
65
–
$441
141
110
68
501
253
182
569
$0
0
164
809
55
483
144
465
$675
387
71
769
1,437
1,376
–
1,707
–
–
–
–
2.0
–
4.1
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.9
1.1
1.8
0.9
1.3
1.4
16
0
103
26
111
31
208
258
291
109
18
114
285
354
428
109
20
227
0
0
549
264
260
100
736
1,152
1,544
319
133
423
0.9
1.1
–
0.9
1.3
1.4
–
–
–
–
–
–
1.7
1.5
2.1
0.7
1.3
0.9
1.1
1.5
1.0
2.1
2.1
3.1
22
82
76
0
98
117
13
45
24
95
–
144
132
88
192
0
68
273
303
408
310
180
296
211
293
–
289
100
0
517
309
460
410
160
355
251
254
255
762
46
515
667
55
348
282
313
432
517
0
661
27
0
508
0
1,039
1,290
1,044
719
510
516
1.7
1.5
2.1
0.7
1.3
–
1.1
1.5
–
2.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 13. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,
2014
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Most
generous
coverage1
Out-ofnetwork
With other
coinsurance
Worker characteristics
All workers ...............................................................
–
–
88
80
60
90
–
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 ....................
–
–
12
–
–
–
–
11
–
–
80
–
–
–
–
80
89
90
88
82
89
90
88
89
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
90
80
90
90
90
90
90
85
–
–
–
–
–
–
–
–
–
12
–
8
–
–
80
–
80
–
91
88
89
92
85
80
80
80
80
80
60
60
60
60
60
–
80
90
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
89
80
80
80
60
60
90
90
–
–
Union .......................................................................
Nonunion .................................................................
20
–
80
–
80
89
90
80
60
60
100
90
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
10
–
–
–
–
90
82
91
87
89
90
80
80
80
80
80
60
60
60
60
60
80
90
90
90
100
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
8
13
7
80
80
80
92
87
93
80
80
80
60
60
60
85
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
–
87
86
88
93
94
80
80
80
80
80
60
60
60
60
60
90
80
80
90
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 13. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
With fixed
coinsurance
Median
coinsurance
percentage
With variable
coinsurance
In-network
Most
generous
coverage1
Out-ofnetwork
With other
coinsurance
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 ...................
–
–
14
17
12
24
18
–
–
–
85
90
80
80
80
–
94
93
86
83
88
76
82
90
80
80
80
80
80
90
80
80
60
60
60
60
60
70
65
60
–
80
–
–
90
100
100
90
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
16
–
–
–
–
–
80
–
–
–
89
90
84
88
87
90
80
80
80
80
80
80
60
60
60
60
60
60
80
80
–
90
90
90
–
–
–
–
–
–
16
8
18
–
–
–
–
–
–
10
11
9
80
75
80
–
–
–
–
–
–
80
80
80
84
92
82
87
87
89
90
92
87
90
89
91
90
90
90
80
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
60
60
60
60
100
100
100
80
90
80
80
80
80
90
–
85
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2014."
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/glossary20142015.htm.
Table 13. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2014
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
Most
generous
coverage1
With other
coinsurance
Worker characteristics
All workers ...............................................................
–
–
1.2
0.0
0.0
0.0
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
1.6
–
–
–
–
2.1
–
–
0.0
–
–
–
–
0.0
1.5
2.0
1.6
4.4
1.8
2.6
2.0
2.1
0.0
0.0
0.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9.7
0.0
3.6
3.6
0.0
7.3
4.1
–
–
–
–
–
–
–
–
–
2.3
–
1.9
–
–
8.2
–
0.0
–
3.1
2.3
1.9
1.9
2.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
13.9
10.5
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
1.2
4.3
0.0
0.0
0.0
0.0
0.0
1.3
–
–
Union .......................................................................
Nonunion .................................................................
3.3
–
0.0
–
3.3
1.1
1.8
0.0
1.6
0.0
3.2
0.0
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
2.0
–
–
–
–
6.9
4.4
1.2
1.4
1.3
2.0
0.0
0.0
0.0
0.0
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
0.0
9.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.5
3.0
1.7
0.0
0.0
1.3
1.5
3.0
1.7
0.0
0.0
0.0
0.0
0.0
0.0
6.9
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
–
1.5
1.8
2.6
1.3
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.2
0.0
0.0
0.0
6.3
8.9
8.0
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 13. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2014—continued
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
With fixed
coinsurance
Median
coinsurance
percentage
With variable
coinsurance
In-network
Out-ofnetwork
Most
generous
coverage1
With other
coinsurance
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 ...................
–
–
2.9
3.7
3.1
6.2
3.9
–
–
–
6.2
4.8
1.8
0.0
7.1
–
1.3
2.2
2.9
3.7
3.1
6.2
3.9
3.3
0.0
0.0
2.2
4.2
0.0
0.9
4.4
0.0
0.0
0.0
0.0
0.0
0.0
1.3
6.5
0.0
–
12.2
–
–
0.0
8.4
8.4
0.0
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
3.3
–
–
–
–
–
0.0
–
–
–
1.6
1.4
3.3
1.4
1.9
2.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.2
3.2
–
0.0
6.0
6.8
–
–
–
–
–
–
3.6
2.1
4.6
–
–
–
–
–
–
2.0
3.2
2.6
0.0
0.0
2.0
–
–
–
–
–
–
0.0
0.0
0.0
3.6
2.1
4.6
2.3
4.0
2.0
2.1
0.9
5.5
2.0
3.2
2.6
0.9
4.7
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.2
4.5
4.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.1
0.0
0.0
0.0
0.0
7.7
0.0
0.0
4.9
6.2
5.4
2.6
–
5.4
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2014."
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/glossary20142015.htm.
Table 14. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in fee-for-service plans = 100 percent)
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 characteristics
All workers ...............................................................
92
$1,000
$1,500
$2,000
$3,000
$4,200
8
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 ....................
92
92
92
87
92
92
92
90
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,250
2,000
2,000
2,000
2,500
2,250
2,425
2,000
2,000
3,000
2,700
3,000
4,000
3,000
3,250
3,000
3,000
3,850
3,750
4,000
5,000
4,300
4,300
4,300
4,850
7
7
7
13
7
–
7
9
1
(2)
1
–
1
–
1
1
81
96
93
94
92
1,000
750
700
550
1,000
1,400
1,250
1,000
1,000
1,000
2,000
2,000
2,000
2,000
2,000
2,750
3,000
2,700
2,700
2,600
5,000
4,500
3,750
3,400
4,400
17
–
7
–
8
2
–
–
–
–
Full time ...................................................................
Part time ..................................................................
92
93
1,000
1,000
1,500
1,500
2,000
2,250
3,000
3,000
4,000
4,500
8
7
1
–
Union .......................................................................
Nonunion .................................................................
83
93
900
1,000
1,000
1,500
1,750
2,000
2,750
3,000
4,900
4,000
16
7
2
1
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
95
93
91
91
92
1,000
1,000
1,000
1,000
1,000
1,750
1,500
1,300
1,500
1,300
2,500
2,000
2,000
2,000
2,000
3,500
3,000
3,000
3,000
2,750
5,000
4,000
4,000
4,000
4,200
–
7
9
8
7
–
1
1
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
93
91
93
750
1,000
600
1,250
1,500
1,000
2,000
2,000
2,000
2,900
3,000
2,750
3,500
4,900
3,200
7
–
–
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
91
92
92
94
93
1,000
1,000
1,250
1,000
1,000
1,500
1,500
2,000
1,400
1,400
2,000
2,250
2,500
1,800
1,750
3,000
3,000
3,250
2,500
2,000
4,250
4,150
4,500
3,750
3,000
8
8
8
3
4
1
–
–
3
3
Establishment characteristics
See footnotes at end of table.
Table 14. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
92
96
91
94
86
85
83
86
$1,000
1,000
1,000
1,250
1,000
750
850
1,000
$1,500
1,400
1,750
1,650
1,500
1,000
1,000
1,500
$2,000
1,700
2,425
2,500
2,400
1,750
1,750
2,400
$2,500
2,000
3,000
3,000
3,050
2,500
2,250
3,050
$3,200
2,950
4,000
4,200
5,000
3,850
3,000
5,000
–
–
9
–
13
15
17
12
–
–
–
–
1
–
–
1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
92
92
93
91
92
91
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,250
2,000
2,000
2,000
3,000
3,000
3,000
2,750
3,000
2,700
4,325
4,000
5,000
4,000
4,200
4,000
8
8
7
8
8
8
(2)
(2)
(2)
1
1
1
78
82
76
95
93
97
94
94
95
95
92
97
1,000
1,000
1,000
1,000
1,000
1,100
750
1,000
600
1,000
1,000
1,000
1,500
1,500
1,500
1,550
1,650
1,650
1,100
1,250
1,000
1,500
1,500
1,500
2,000
2,000
2,000
2,200
2,150
2,250
2,000
2,000
2,000
2,000
2,000
2,000
3,000
3,500
2,900
3,000
3,000
3,200
2,800
3,000
2,500
3,000
3,000
2,800
4,500
4,500
3,800
4,000
4,000
4,250
4,000
4,300
3,250
4,200
4,150
4,200
21
18
22
4
7
–
6
6
–
–
–
3
1
–
2
2
( )
(2)
–
(2)
(2)
–
–
–
(2)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 14. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014
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 characteristics
All workers ...............................................................
0.9
$0
$0
$0
$0
$274
0.9
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.0
2.1
1.1
2.3
1.5
2.7
1.5
1.9
0
0
0
0
0
0
0
124
0
212
0
202
104
94
29
284
0
134
0
41
35
169
274
0
255
231
107
784
164
254
52
71
281
399
299
323
264
252
336
464
1.0
2.0
1.0
2.3
1.3
–
1.4
1.8
0.4
0.4
0.7
–
0.7
–
0.7
0.6
4.1
1.2
1.5
2.2
1.8
129
141
144
77
33
247
283
125
71
275
313
95
18
32
47
308
0
132
142
197
873
468
354
339
185
3.7
–
1.5
–
1.8
1.4
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.9
2.0
0
0
18
204
0
74
0
220
252
129
0.9
2.0
0.3
–
Union .......................................................................
Nonunion .................................................................
2.3
0.9
181
0
221
0
200
0
323
0
801
135
2.7
0.8
1.3
0.3
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.7
1.1
1.6
1.1
1.1
0
0
0
0
78
202
0
198
76
190
0
41
0
0
36
454
0
95
270
251
673
254
137
265
453
–
1.0
1.6
1.1
1.1
–
0.4
0.3
0.4
0.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.8
2.1
2.6
143
27
40
78
69
182
0
63
36
236
720
207
325
598
247
1.8
–
–
0.3
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
1.3
2.3
2.6
2.9
0
0
221
0
0
0
0
248
115
111
9
100
0
130
77
0
0
187
187
56
222
262
281
387
47
1.0
1.3
2.3
0.9
1.0
0.4
–
–
2.5
2.9
Establishment characteristics
See footnotes at end of table.
Table 14. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5.9
1.9
2.4
1.8
2.0
3.8
3.2
2.3
$20
105
279
242
0
63
165
0
$0
97
97
138
143
0
52
9
$0
9
245
227
378
281
243
143
$135
95
0
82
42
381
387
800
$162
119
292
748
82
771
768
47
–
–
2.4
–
2.3
3.8
3.2
2.8
–
–
–
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.2
1.5
1.8
1.1
1.6
1.7
0
0
0
0
0
120
0
175
229
41
71
163
90
63
351
0
75
0
0
0
222
136
38
60
426
449
581
235
236
216
1.2
1.5
1.7
1.1
1.5
1.8
0.2
0.3
0.3
0.5
0.7
0.7
3.5
3.4
4.4
0.8
1.2
1.1
1.0
1.2
1.8
1.6
4.2
0.7
0
234
46
0
119
201
189
136
144
0
0
187
111
18
259
108
109
232
186
122
16
244
308
297
0
269
116
184
162
181
0
175
176
0
145
0
76
384
278
0
0
367
212
18
132
293
112
411
377
388
431
242
118
811
353
351
444
409
1,061
481
3.7
3.4
4.5
0.7
1.2
–
1.0
1.2
–
–
–
0.7
0.9
–
1.1
0.2
0.1
–
0.1
0.1
–
–
–
0.2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 15. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in fee-for-service plans = 100 percent)
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 characteristics
All workers ...............................................................
90
$2,000
$3,000
$4,500
$6,000
$8,500
10
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 ....................
91
90
91
84
91
92
91
86
2,000
2,000
2,000
1,650
2,000
2,300
2,000
2,000
3,000
3,000
3,000
3,000
3,250
4,000
3,000
3,000
4,400
4,000
4,500
5,000
4,500
5,000
4,200
4,500
6,000
6,000
6,000
7,500
6,000
6,500
6,000
6,500
8,200
8,000
8,200
12,700
8,400
9,600
8,000
10,000
8
9
8
16
8
–
8
13
1
(2)
1
–
1
–
1
1
72
95
90
93
87
2,000
–
1,500
1,200
1,800
3,000
2,800
2,500
2,250
2,600
5,000
4,500
4,400
4,000
4,700
6,000
6,750
6,000
5,500
6,000
10,500
9,700
8,200
7,500
9,000
26
–
10
–
13
2
–
–
–
–
Full time ...................................................................
Part time ..................................................................
90
90
2,000
2,200
3,000
3,300
4,500
5,000
6,000
6,000
8,500
10,000
9
10
1
–
Union .......................................................................
Nonunion .................................................................
78
91
–
2,000
2,500
3,000
4,250
4,500
6,000
6,000
11,500
8,400
20
8
2
1
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
93
91
88
89
91
2,000
2,000
2,000
2,000
2,000
3,750
3,000
3,000
3,000
3,000
5,000
4,500
4,500
4,300
4,250
6,500
6,000
6,000
6,000
6,000
10,900
8,200
8,200
8,500
–
–
8
11
10
8
–
1
1
1
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
91
86
92
1,500
2,000
1,200
3,000
3,400
2,600
4,500
5,000
4,000
6,000
7,500
5,900
9,000
10,000
7,500
9
–
–
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
90
89
93
92
92
2,000
2,000
3,000
2,000
2,000
3,000
3,000
4,500
3,000
3,000
4,500
5,000
5,000
4,000
4,000
6,000
6,000
6,500
5,000
4,500
8,500
8,700
9,000
7,000
6,000
10
11
–
5
5
1
–
–
3
3
Establishment characteristics
See footnotes at end of table.
Table 15. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
91
93
91
93
86
84
83
86
$2,000
2,000
2,500
2,700
2,000
–
2,000
2,000
$3,000
2,500
3,600
4,000
3,000
3,000
2,550
3,000
$4,000
4,000
5,000
5,000
4,500
3,500
3,500
5,000
$5,000
4,400
6,000
6,000
6,100
5,000
5,000
6,100
$6,500
5,600
8,000
8,400
9,500
8,000
6,000
10,000
–
–
9
–
13
16
17
13
–
–
–
–
1
–
–
1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
91
91
91
89
89
90
2,000
2,000
2,000
2,000
2,000
2,000
3,000
3,000
3,500
3,000
3,000
3,000
4,500
4,200
5,000
4,500
4,500
4,000
6,000
6,000
6,700
6,000
6,000
6,000
8,700
8,000
10,000
8,400
9,000
8,200
9
9
9
10
10
10
(2)
(2)
(2)
1
1
1
76
82
74
93
91
96
93
92
95
92
92
93
2,400
2,500
2,250
2,200
2,200
2,500
1,500
1,500
1,200
2,000
2,000
2,000
3,000
3,000
3,000
3,500
3,500
3,600
2,600
2,850
2,500
3,000
2,600
3,000
4,500
4,500
4,000
5,000
5,000
5,000
4,000
4,000
4,000
4,500
5,000
4,250
6,000
7,000
6,000
6,000
6,000
7,000
5,500
6,000
5,200
6,000
6,500
6,000
9,000
12,700
9,000
9,000
9,000
9,700
7,500
8,000
6,750
9,000
9,700
–
23
18
24
6
9
–
7
8
–
–
–
7
1
–
2
2
( )
(2)
–
(2)
(2)
–
–
–
(2)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 15. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014
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 characteristics
All workers ...............................................................
1.0
$0
$0
$0
$0
$563
1.0
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.9
1.9
1.1
3.1
1.5
2.7
1.5
2.4
0
0
97
472
262
443
219
135
0
0
36
313
255
383
282
365
355
158
225
223
66
157
457
167
0
116
0
725
0
576
505
704
366
688
341
1,482
444
1,229
477
714
0.9
1.9
1.0
3.1
1.4
–
1.4
2.5
0.4
0.4
0.7
–
0.7
–
0.7
0.6
5.6
1.3
2.0
2.2
3.1
69
–
112
200
461
549
483
438
427
596
254
520
408
106
424
1,227
659
257
460
120
799
817
407
158
930
5.7
–
2.0
–
3.1
1.4
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.9
2.8
0
303
0
379
32
0
0
584
480
1,384
0.9
2.8
0.3
–
Union .......................................................................
Nonunion .................................................................
2.6
0.9
–
0
223
0
737
0
352
0
1,379
338
3.0
0.9
1.3
0.3
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.6
1.2
1.8
1.0
1.0
144
0
243
0
63
722
52
0
0
0
18
398
202
342
363
431
61
0
0
0
1,565
659
601
574
–
–
1.2
1.8
1.0
1.0
–
0.4
0.3
0.4
0.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.9
2.9
2.6
0
0
158
533
203
562
549
397
0
0
627
233
609
725
591
1.8
–
–
0.3
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.1
1.8
2.2
2.6
3.0
0
0
378
0
0
0
66
426
0
0
18
364
26
0
0
0
31
205
264
74
416
617
745
725
351
1.1
1.8
–
1.1
1.2
0.4
–
–
2.5
2.9
Establishment characteristics
See footnotes at end of table.
Table 15. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5.9
2.3
2.0
2.0
2.0
3.7
3.3
2.3
$234
347
386
457
97
–
0
99
$292
583
394
353
0
802
605
0
$0
104
464
278
566
500
389
359
$140
302
143
551
243
362
378
574
$390
204
942
911
1,468
1,213
0
1,839
–
–
2.0
–
2.3
3.7
3.3
2.8
–
–
–
–
0.9
–
–
1.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.3
1.6
2.0
1.1
1.6
2.0
0
173
424
0
0
400
0
0
431
0
0
0
111
382
145
0
152
431
26
0
640
0
108
405
597
414
1,269
668
517
313
1.3
1.6
1.9
1.1
1.5
2.1
0.2
0.3
0.3
0.5
0.7
0.7
3.6
3.5
4.5
1.2
1.9
1.6
1.3
1.8
1.2
1.8
4.1
1.6
192
112
357
291
451
553
111
306
286
50
0
136
0
570
0
149
138
458
484
585
520
449
497
175
477
192
473
380
604
368
0
331
66
448
350
476
0
624
101
293
0
938
532
330
90
144
987
46
912
3,107
1,604
814
420
561
398
553
709
850
1,592
–
3.7
3.5
4.5
1.2
1.9
–
1.3
1.8
–
–
–
1.6
0.9
–
1.1
0.2
0.1
–
0.1
0.1
–
–
–
0.2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 16. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2014
(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 characteristics
All workers ...............................................................
49
51
–
21
79
–
87
13
–
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 ....................
49
40
54
36
59
62
58
34
51
60
46
64
41
38
42
66
–
–
–
–
–
–
–
–
18
22
15
–
33
39
30
26
82
78
85
–
67
61
70
74
–
–
–
–
–
–
–
–
87
86
87
96
85
94
81
91
13
14
13
–
15
–
19
–
–
–
–
–
–
–
–
–
–
30
59
57
61
–
70
41
43
–
–
–
–
–
–
–
24
38
–
43
–
76
62
68
57
–
–
–
–
–
98
88
79
66
90
–
–
–
34
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
49
45
51
55
–
–
22
–
78
86
–
–
87
95
13
–
–
–
Union .......................................................................
Nonunion .................................................................
39
50
61
50
–
–
15
23
85
77
–
–
79
89
21
11
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
49
53
47
45
59
51
47
53
55
–
–
–
–
–
–
21
23
21
24
81
79
77
79
76
–
–
–
–
–
96
86
88
85
87
–
14
12
15
13
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
51
–
63
49
–
37
–
–
–
29
–
35
71
–
65
–
–
–
79
100
69
21
–
31
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
48
56
45
39
59
52
44
55
61
41
–
–
–
–
–
20
44
31
29
41
80
56
69
71
59
–
–
–
–
–
89
96
96
91
85
11
–
–
9
15
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 16. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
66
53
50
47
48
53
41
47
34
47
50
53
52
47
59
53
–
–
–
–
–
–
–
–
44
–
–
–
–
16
10
–
56
62
79
79
91
84
90
92
–
–
–
–
–
–
–
–
86
84
88
89
84
64
59
88
–
–
–
–
16
36
41
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
48
47
54
49
52
44
52
53
46
51
48
56
–
–
–
–
–
–
20
20
–
23
29
16
80
80
81
77
71
84
–
–
–
–
–
–
94
93
96
80
89
68
–
–
–
20
11
32
–
–
–
–
–
–
57
69
52
58
59
–
53
51
57
37
–
38
43
–
48
42
41
57
47
49
43
63
65
62
–
–
–
–
–
–
–
–
–
–
–
–
15
–
18
21
22
–
38
–
–
20
–
20
85
91
82
79
78
83
62
63
61
80
79
80
–
–
–
–
–
–
–
–
–
–
–
–
82
79
84
87
90
79
76
77
73
94
96
93
18
–
16
–
–
–
24
–
–
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 16. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2014
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
3.7
3.7
–
2.5
2.5
–
1.8
1.8
–
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
6.2
6.3
7.9
10.7
3.7
7.3
4.0
5.8
6.2
6.3
7.9
10.7
3.7
7.3
4.0
5.8
–
–
–
–
–
–
–
–
3.7
5.8
4.0
–
4.9
6.4
5.7
5.4
3.7
5.8
4.0
–
4.9
6.4
5.7
5.4
–
–
–
–
–
–
–
–
2.7
4.2
3.3
1.9
3.9
2.7
5.0
3.3
2.7
4.2
3.3
–
3.9
–
5.0
–
–
–
–
–
–
–
–
–
–
7.4
8.2
7.0
15.0
–
7.4
8.2
7.0
–
–
–
–
–
–
–
7.2
7.5
–
12.3
–
7.2
7.5
9.8
12.3
–
–
–
–
–
1.8
4.9
6.5
9.0
4.9
–
–
–
9.0
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.8
8.7
3.8
8.7
–
–
2.5
–
2.5
5.1
–
–
1.9
2.4
1.9
–
–
–
Union .......................................................................
Nonunion .................................................................
9.1
3.9
9.1
3.9
–
–
3.8
2.7
3.8
2.7
–
–
5.7
1.7
5.7
1.7
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
6.3
5.9
5.1
6.1
13.7
6.3
5.9
5.1
6.1
–
–
–
–
–
–
4.4
3.8
3.9
5.0
7.6
4.4
3.8
3.9
5.0
–
–
–
–
–
2.8
3.9
3.4
2.5
2.8
–
3.9
3.4
2.5
2.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.4
–
4.8
4.4
–
4.8
–
–
–
5.4
–
6.9
5.4
–
6.9
–
–
–
5.4
(2)
7.4
5.4
–
7.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
4.4
6.4
12.3
8.8
6.2
4.4
6.4
12.3
8.8
6.2
–
–
–
–
–
2.7
5.3
8.1
7.0
5.8
2.7
5.3
8.1
7.0
5.8
–
–
–
–
–
1.8
2.1
3.1
1.7
2.9
1.8
–
–
1.7
2.9
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 16. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2014—continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
7.1
9.4
7.4
9.9
8.6
8.7
6.0
10.1
7.1
9.4
7.4
9.9
8.6
8.7
6.0
10.1
–
–
–
–
–
–
–
–
5.5
–
–
–
–
4.2
2.2
–
5.5
12.1
8.2
9.9
3.2
4.2
2.2
3.5
–
–
–
–
–
–
–
–
6.5
6.2
4.4
5.0
4.7
10.7
7.3
4.8
–
–
–
–
4.7
10.7
7.3
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
5.5
6.2
9.1
4.8
7.5
6.6
5.5
6.2
9.1
4.8
7.5
6.6
–
–
–
–
–
–
3.1
3.8
–
3.6
5.9
3.4
3.1
3.8
6.0
3.6
5.9
3.4
–
–
–
–
–
–
2.1
2.4
2.1
3.1
3.0
5.2
–
–
–
3.1
3.0
5.2
–
–
–
–
–
–
5.2
13.7
3.1
7.9
9.4
–
7.5
9.9
11.4
5.7
–
6.0
5.2
–
3.1
7.9
9.4
16.2
7.5
9.9
11.4
5.7
12.4
6.0
–
–
–
–
–
–
–
–
–
–
–
–
3.3
–
3.3
4.8
6.2
–
9.4
–
–
3.4
–
3.5
3.3
7.9
3.3
4.8
6.2
8.9
9.4
12.3
13.9
3.4
8.2
3.5
–
–
–
–
–
–
–
–
–
–
–
–
4.4
10.3
4.9
3.9
4.0
12.1
7.0
6.8
16.3
1.9
1.9
2.7
4.4
–
4.9
–
–
–
7.0
–
–
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 17. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014
(All workers participating in health maintenance organizations = 100 percent)
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 characteristics
All workers ...............................................................
87
$1,500
$1,500
$2,000
$3,000
$3,500
13
–
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 ....................
87
86
87
96
85
94
81
91
1,250
1,200
1,400
1,500
1,250
1,500
1,250
1,500
1,500
1,500
1,500
2,000
1,500
1,500
1,500
1,500
1,800
1,900
1,500
2,500
2,000
1,725
2,000
1,500
2,500
2,500
2,700
3,000
2,600
2,500
3,000
3,300
3,000
3,300
3,000
3,500
3,500
4,000
3,500
3,500
13
14
13
–
15
–
19
–
–
–
–
–
–
–
–
–
98
88
79
66
90
1,000
1,500
1,400
1,000
1,500
1,500
1,500
1,700
1,500
2,000
3,300
1,500
2,350
2,000
2,600
3,500
2,500
5,000
2,350
5,000
4,000
3,000
5,000
3,500
5,000
–
–
–
34
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
87
95
1,400
1,500
1,500
1,500
2,000
2,350
3,000
3,000
3,500
3,000
13
–
–
–
Union .......................................................................
Nonunion .................................................................
79
89
1,400
1,500
1,500
1,500
1,500
2,000
2,000
3,000
4,400
3,500
21
11
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
96
86
88
85
87
1,500
1,500
1,400
1,200
650
1,700
1,500
1,500
1,500
1,500
2,500
2,500
2,000
1,800
1,800
3,500
3,000
2,900
2,500
2,500
3,500
5,000
3,750
3,300
3,000
–
14
12
15
13
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
79
100
69
1,000
1,500
1,400
1,500
1,500
1,500
2,000
3,000
2,000
3,300
3,500
2,350
4,000
4,000
3,500
21
–
31
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
89
96
96
91
85
1,500
1,500
1,500
1,150
1,100
1,500
1,500
1,500
1,500
1,500
2,000
2,000
1,800
2,000
2,000
3,000
2,500
2,500
4,000
2,500
3,500
3,000
4,000
5,000
4,000
11
–
–
9
15
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 17. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private industry
workers, National Compensation Survey, 2014—continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
86
84
88
89
84
64
59
88
$1,000
1,250
1,500
1,500
1,500
1,000
1,000
1,500
$1,150
1,500
1,700
1,700
1,500
1,250
1,500
1,500
$1,500
2,000
2,500
2,000
2,250
1,500
1,900
2,500
$2,200
2,200
3,000
3,000
3,000
2,000
2,500
3,000
$4,000
5,000
3,000
3,000
3,500
3,000
3,500
3,500
–
–
–
–
16
36
41
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
94
93
96
80
89
68
1,500
1,500
1,500
1,250
1,400
650
1,500
1,500
1,500
1,500
1,500
1,500
2,500
2,500
2,350
1,500
1,500
1,500
3,000
3,000
3,300
2,350
2,350
2,250
4,000
4,000
3,750
3,000
3,000
3,500
–
–
–
20
11
32
–
–
–
–
–
–
82
79
84
87
90
79
76
77
73
94
96
93
1,500
1,500
1,500
1,400
1,500
650
1,500
1,500
1,500
1,400
1,500
1,250
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,900
1,500
2,000
1,500
2,500
2,400
2,500
2,000
2,000
2,000
2,000
2,000
2,500
2,000
3,000
1,500
3,000
3,350
3,000
3,000
3,000
5,000
2,700
2,700
3,000
3,000
3,500
2,200
3,500
4,000
3,500
3,750
3,500
5,000
4,000
3,500
5,000
3,500
4,000
3,000
18
–
16
–
–
–
24
–
–
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 17. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1
private industry workers, National Compensation Survey, 2014
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 characteristics
All workers ...............................................................
1.8
$140
$0
$36
$61
$258
1.8
–
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.7
4.2
3.3
1.9
3.9
2.7
5.0
3.3
184
149
199
0
286
191
192
77
0
0
0
449
0
0
0
0
337
124
466
502
0
396
0
785
583
288
565
591
247
66
315
438
439
316
223
91
701
3,650
569
652
2.7
4.2
3.3
–
3.9
–
5.0
–
–
–
–
–
–
–
–
–
1.8
4.9
6.5
9.0
4.9
591
0
143
456
117
365
0
356
0
212
406
91
266
543
2,710
0
205
1,207
269
0
129
358
979
619
1,392
–
–
–
9.0
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.9
2.4
108
0
0
0
0
956
58
455
313
2,843
1.9
–
–
–
Union .......................................................................
Nonunion .................................................................
5.7
1.7
63
94
26
0
223
340
441
0
1,744
209
5.7
1.7
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.8
3.9
3.4
2.5
2.8
26
0
122
246
519
439
497
0
0
0
791
421
223
255
221
447
0
576
292
80
1,649
1,284
319
435
71
–
3.9
3.4
2.5
2.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.4
(3)
7.4
425
18
443
0
0
0
269
1,017
285
328
39
26
182
0
785
5.4
–
7.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
2.1
3.1
1.7
2.9
93
0
0
47
0
0
0
0
0
211
104
0
468
250
150
91
66
100
2,338
447
199
1,563
3,710
947
1,036
1.8
–
–
1.7
2.9
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 17. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1
private industry workers, National Compensation Survey, 2014—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
6.5
6.2
4.4
5.0
4.7
10.7
7.3
4.8
$129
341
0
0
112
283
473
0
$114
289
341
345
0
377
0
73
$555
61
0
398
542
0
502
584
$456
617
0
396
0
476
594
0
$1,818
2,634
0
0
644
122
707
568
–
–
–
–
4.7
10.7
7.3
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
2.4
2.1
3.1
3.0
5.2
0
0
0
191
63
343
155
374
0
0
0
82
113
182
346
337
332
579
440
472
504
217
226
378
938
1,372
668
0
0
754
–
–
–
3.1
3.0
5.2
–
–
–
–
–
–
4.4
10.3
4.9
3.9
4.0
12.1
7.0
6.8
16.3
1.9
1.9
2.7
71
0
203
254
88
785
0
0
0
101
184
209
294
394
391
0
91
565
0
0
467
0
607
0
430
598
491
260
452
2,561
393
537
603
195
408
55
55
422
109
318
77
1,565
224
241
664
604
204
316
548
1,275
731
1,622
282
0
1,268
602
2,077
164
1,617
327
4.4
–
4.9
–
–
–
7.0
–
–
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses
are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 18. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private industry workers,
National Compensation Survey, 2014
(All workers participating in health maintenance organizations = 100 percent)
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 characteristics
All workers ...............................................................
85
$2,800
$3,000
$4,500
$6,000
$7,500
15
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
84
85
84
96
80
93
75
91
2,500
2,400
2,800
3,000
2,800
3,000
2,500
3,000
3,000
3,000
3,000
4,000
3,000
3,400
3,000
3,000
3,400
3,550
–
6,000
4,500
4,500
4,500
4,500
6,000
6,000
6,000
6,000
6,000
5,000
6,000
7,000
6,250
6,600
6,000
7,000
7,500
–
8,000
9,400
16
15
16
–
20
–
25
–
–
–
–
–
–
–
–
–
98
87
75
63
85
2,800
3,000
2,800
2,500
3,000
3,000
3,000
3,550
3,000
4,000
6,600
–
5,000
4,700
–
9,400
6,000
10,000
–
10,000
9,400
7,500
10,000
–
12,000
–
–
25
37
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
84
95
2,800
3,000
3,000
3,000
4,500
4,700
6,000
6,000
7,500
–
16
–
–
–
Union .......................................................................
Nonunion .................................................................
77
87
2,800
3,000
3,000
3,000
3,000
4,700
4,500
6,000
–
7,500
23
13
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
96
83
85
83
84
3,000
3,000
2,800
2,400
–
4,000
4,000
3,000
3,000
3,000
5,000
6,000
4,500
3,550
3,550
7,000
6,000
6,000
5,500
5,200
–
10,000
7,500
6,600
6,250
–
17
15
17
16
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
79
100
69
2,400
3,000
2,500
3,000
3,000
3,000
4,000
6,600
4,000
6,600
7,000
4,700
9,400
9,400
–
21
–
31
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
86
92
93
89
81
3,000
3,000
3,000
2,300
2,200
3,000
–
3,000
3,000
3,000
4,500
4,500
4,500
4,000
4,000
6,000
6,000
–
–
5,000
7,500
7,500
–
10,000
8,000
14
–
–
11
19
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 18. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private industry workers,
National Compensation Survey, 2014—continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
85
78
78
76
84
64
59
87
$2,000
3,000
3,000
3,000
3,000
2,000
–
3,000
$2,300
–
3,400
3,400
3,000
–
3,000
3,000
–
$4,000
6,000
5,400
4,500
3,000
4,000
5,000
$4,400
5,000
6,000
6,000
6,000
5,000
5,100
6,000
–
–
$6,250
6,250
7,000
6,000
9,000
7,000
–
–
22
–
16
36
41
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
92
91
95
77
85
67
3,000
3,000
3,000
2,500
2,800
–
3,550
4,000
3,000
3,000
3,000
3,000
6,000
6,000
5,000
3,400
3,400
4,000
6,600
6,250
7,000
4,700
4,700
4,500
8,700
9,400
7,500
6,000
6,000
6,000
8
9
–
23
15
33
–
–
–
–
–
–
82
79
83
84
86
76
76
77
73
90
92
89
3,000
3,000
3,000
2,800
3,000
–
3,000
3,000
3,000
2,800
4,000
2,800
–
–
–
3,000
3,000
–
3,000
3,000
3,300
3,000
5,000
3,000
5,000
5,000
5,000
4,500
4,500
–
–
–
–
4,500
6,000
3,000
6,000
6,700
6,000
6,000
6,000
10,000
6,000
5,400
6,250
6,000
7,000
4,700
–
–
–
9,400
7,500
10,000
–
7,500
–
7,000
–
6,000
18
–
17
16
14
–
24
23
–
10
8
11
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 18. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2014
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 characteristics
All workers ...............................................................
1.9
$268
$0
$226
$0
$584
1.9
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.8
4.2
3.6
1.9
3.4
2.9
4.4
3.3
398
297
332
258
504
532
454
245
0
0
0
584
0
875
0
0
644
659
–
1,294
235
0
703
886
867
406
1,304
1,249
457
182
0
593
782
515
816
137
2,034
–
2,104
194
2.8
4.2
3.6
–
3.4
–
4.4
–
–
–
–
–
–
–
–
–
1.8
4.9
6.7
9.1
5.9
274
89
258
423
473
0
0
736
0
608
899
–
614
1,087
–
752
618
2,576
–
0
0
695
2,801
–
2,803
–
–
6.7
9.1
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.0
2.6
216
0
0
825
446
496
121
898
583
–
2.0
–
–
–
Union .......................................................................
Nonunion .................................................................
5.9
1.8
97
161
63
55
483
341
1,078
129
–
709
5.9
1.8
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.8
3.9
3.7
2.6
3.2
117
0
253
375
–
340
754
0
0
0
1,441
791
539
627
430
795
588
365
720
535
–
1,413
129
441
158
–
3.9
3.7
2.6
3.2
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.4
(3)
7.4
615
0
360
0
0
0
633
1,896
673
497
0
299
523
0
–
5.4
–
7.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
2.0
3.2
4.0
1.8
3.1
141
0
0
88
0
0
–
447
0
97
370
397
506
428
258
0
619
–
–
775
683
1,292
–
1,964
1,975
2.0
–
–
1.8
3.1
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 18. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private
industry workers, National Compensation Survey, 2014—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
6.3
6.7
4.9
5.1
4.8
10.7
7.3
4.9
$255
128
0
0
129
588
–
0
$480
–
704
491
0
–
0
55
–
$163
848
659
1,164
0
1,197
1,378
$909
1,264
350
79
0
659
564
0
–
–
$0
316
1,040
0
2,074
908
–
–
4.9
–
4.8
10.7
7.3
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.0
2.3
2.1
3.2
3.7
5.0
0
0
0
309
82
–
591
642
198
0
0
186
1,381
894
544
783
706
880
761
956
1,372
299
332
1,224
2,136
2,652
1,686
286
343
1,048
2.0
2.3
–
3.2
3.7
5.0
–
–
–
–
–
–
4.4
10.3
4.9
3.8
3.8
12.7
7.0
6.8
16.3
2.3
2.0
3.3
141
0
316
500
287
–
0
0
0
206
931
332
–
–
–
182
258
–
0
0
351
0
836
0
557
1,074
710
650
1,070
–
–
–
–
525
880
822
199
559
144
920
268
2,581
337
556
943
544
408
244
–
–
–
2,780
341
0
–
880
–
0
–
0
4.4
–
4.9
3.8
3.8
–
7.0
6.8
–
2.3
2.0
3.3
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses are
fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 19. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2014
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Worker characteristics
All workers ...............................................................
100
98
84
85
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
98
100
97
98
97
96
98
97
86
88
84
76
85
86
85
80
83
86
80
83
85
83
86
85
100
100
100
100
100
98
96
99
99
98
74
84
84
84
83
85
86
90
91
89
Full time ...................................................................
Part time ..................................................................
100
100
98
97
84
79
85
78
Union .......................................................................
Nonunion .................................................................
100
100
97
98
71
86
87
85
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
96
98
98
98
99
79
88
83
83
85
79
87
85
85
86
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
99
99
99
83
79
86
86
81
88
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
97
97
97
96
100
99
100
98
99
84
84
86
84
86
58
91
83
81
85
85
77
80
100
97
94
91
90
Establishment characteristics
See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2014—continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
100
100
100
100
100
100
100
100
100
100
100
100
98
96
97
98
97
100
100
96
100
96
80
85
87
89
90
80
79
84
80
78
90
86
92
93
81
84
80
76
90
81
87
94
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
100
100
100
100
100
100
97
97
98
98
98
99
84
84
83
84
85
83
81
81
82
88
87
89
100
100
100
100
100
100
100
100
100
100
100
100
100
99
100
99
99
98
100
99
94
94
94
100
100
100
88
96
85
86
84
82
92
80
78
83
81
83
80
86
79
88
83
83
88
81
88
88
87
84
78
87
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a
medical plan.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey, 2014
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Worker characteristics
All workers ...............................................................
(2)
0.4
1.2
1.1
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
( )
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.9
0.2
1.4
0.7
0.6
0.8
0.9
0.8
1.9
1.5
2.9
5.7
1.4
2.1
1.8
2.2
2.0
2.0
2.7
5.6
1.3
2.7
1.3
2.3
(2)
(2)
(2)
(2)
(2)
0.9
1.1
0.6
0.8
0.5
4.7
2.2
2.3
2.6
3.7
3.0
2.8
1.6
1.9
2.4
Full time ...................................................................
Part time ..................................................................
(2)
(2)
0.5
1.7
1.2
3.4
1.1
4.0
Union .......................................................................
Nonunion .................................................................
(2)
(2)
1.1
0.5
4.1
1.2
2.2
1.2
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(2)
(2)
(2)
(2)
(2)
1.4
0.8
0.5
0.7
0.4
5.1
1.6
1.8
1.9
2.5
5.4
1.2
1.5
1.8
2.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(2)
(2)
(2)
0.5
0.6
0.6
2.3
2.9
2.3
2.0
3.2
2.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.5
0.6
0.7
1.3
(2)
0.9
(2)
0.9
0.5
1.5
1.4
3.2
2.1
4.0
9.4
4.5
2.1
2.2
1.3
2.0
3.8
3.4
(2)
1.9
2.1
2.2
2.6
Establishment characteristics
See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey,
2014—continued
Characteristics
Generic
drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.1
1.3
4.2
1.4
1.1
1.9
0.3
0.2
2.2
(2)
1.8
3.0
2.7
5.6
2.7
2.3
4.2
6.5
2.5
4.7
9.0
2.5
5.0
2.7
3.8
2.7
3.6
3.3
6.8
2.1
3.9
9.3
2.5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
(2)
(2)
(2)
(2)
(2)
(2)
0.8
1.3
1.0
0.4
0.4
0.7
1.8
2.5
2.7
1.5
1.8
2.5
2.2
3.0
3.1
1.2
1.6
1.4
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.5
(2)
0.7
0.3
0.6
(2)
0.2
1.7
2.3
2.1
0.2
(2)
0.2
2.4
1.5
2.9
1.6
2.7
2.8
2.0
2.8
3.6
4.0
3.3
7.6
3.2
2.7
8.8
2.4
1.5
2.2
2.2
2.5
1.9
2.8
1.9
3.1
6.9
2.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a
medical plan.
2 Less than 0.05.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 20. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2014
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Worker characteristics
All workers ...............................................................
78
20
2
$10
77
22
1
$30
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 ....................
80
80
80
85
78
76
79
77
18
19
17
13
19
19
19
20
2
1
3
2
3
5
2
3
10
10
10
10
10
10
10
10
77
74
80
85
75
75
75
79
22
25
20
14
23
22
23
19
1
1
1
2
2
3
1
2
30
30
30
30
30
30
30
30
76
77
71
62
81
21
20
27
36
17
2
3
2
2
2
10
10
10
10
10
79
79
71
63
80
18
20
27
34
19
2
1
2
2
1
30
30
30
30
30
Full time ...................................................................
Part time ..................................................................
78
84
20
14
2
2
10
10
76
84
23
14
1
2
30
30
Union .......................................................................
Nonunion .................................................................
74
79
24
19
2
2
10
10
72
77
26
21
1
1
20
30
Average wage within the following categories5:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
80
80
77
77
79
18
17
21
20
20
2
3
2
2
1
10
10
10
10
10
82
78
75
75
75
16
20
24
23
24
2
1
1
1
1
35
30
30
30
30
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
70
79
65
28
19
33
2
3
2
10
10
10
70
80
66
27
17
32
2
3
2
30
30
30
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
81
77
80
77
77
50
80
78
76
17
20
14
21
21
49
15
21
23
2
3
5
1
2
(6)
6
1
1
10
10
10
–
10
10
10
10
10
79
75
82
76
70
48
74
67
60
20
23
16
23
28
51
20
33
40
1
2
2
1
2
(6)
6
(6)
(6)
30
30
30
30
30
35
30
30
30
Establishment characteristics
See footnotes at end of table.
Table 20. Outpatient prescription drug benefits:1 Copayment provisions, private
industry workers, National Compensation Survey, 2014—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Brand-name drugs not on formulary4
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristics
All workers ...............................................................
76
23
1
$50
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 ....................
75
71
78
82
76
77
76
79
24
27
21
16
23
22
23
20
1
1
1
2
1
1
1
1
50
50
50
50
50
55
50
55
77
80
71
63
80
22
19
27
34
19
1
1
2
3
1
60
50
55
55
50
Full time ...................................................................
Part time ..................................................................
75
84
24
14
1
1
50
50
Union .......................................................................
Nonunion .................................................................
67
77
31
22
2
1
50
50
Average wage within the following categories5:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
83
78
74
73
72
15
21
25
26
27
2
1
1
1
1
55
50
50
50
50
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
69
79
66
29
21
32
2
–
3
55
55
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
78
77
81
80
70
66
72
65
57
21
22
19
20
26
–
22
35
43
1
1
–
–
4
–
6
(6)
(6)
50
50
60
50
50
50
50
50
50
Establishment characteristics
See footnotes at end of table.
Table 20. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
80
69
88
75
79
87
90
84
86
91
86
20
29
–
23
21
10
10
16
9
–
–
(6)
2
–
1
–
4
6
( )
6
( )
5
–
–
$10
10
10
10
10
10
10
10
10
10
10
61
62
93
74
75
90
90
84
90
85
87
39
38
–
26
25
9
10
16
9
–
–
(6)
(6)
–
1
–
1
6
( )
6
( )
1
–
–
$30
30
35
35
35
30
25
25
30
30
30
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
83
83
84
74
76
70
14
13
15
24
22
28
3
4
1
2
2
2
10
10
10
10
10
10
82
82
82
73
76
68
17
16
18
26
23
31
2
2
1
1
2
1
35
35
30
30
30
25
81
81
81
77
78
79
75
70
70
70
85
86
85
17
17
17
21
21
19
24
25
25
25
13
–
14
2
2
2
1
1
2
2
5
5
5
2
–
1
10
10
10
10
10
10
10
10
10
10
10
10
10
80
80
80
75
76
78
73
73
74
69
80
81
79
19
18
19
24
23
20
26
26
25
29
18
–
19
2
2
2
1
1
2
2
1
1
2
2
–
1
30
30
30
35
35
30
35
30
30
30
30
30
30
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 20. Outpatient prescription drug benefits:1 Copayment provisions, private
industry workers, National Compensation Survey, 2014—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Brand-name drugs not on formulary4
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
58
62
94
75
76
84
88
84
84
86
87
42
38
–
24
24
15
11
14
15
–
–
(6)
–
–
1
–
1
1
2
1
–
–
$50
50
60
55
50
50
50
45
50
50
50
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
83
82
84
70
73
65
16
17
16
28
25
33
1
1
( )
2
2
2
60
60
55
50
50
50
76
80
74
75
76
86
70
74
78
67
78
80
77
24
19
25
23
23
–
28
25
22
32
21
–
22
1
1
(6)
2
1
–
2
1
1
2
1
–
1
50
50
50
60
60
50
60
50
50
55
50
50
50
6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 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 on formulary provision equals 100
percent.
4 All workers participating in an outpatient prescription drug plan with a brand-name drug not on formulary provision equals 100
percent.
5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
6 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/glossary20142015.htm.
Table 20. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2014
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristics
All workers ...............................................................
1.2
1.1
0.4
$0
1.2
1.2
0.2
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.7
2.2
2.3
2.8
1.7
2.6
1.9
2.4
1.5
2.0
1.9
2.6
1.6
2.3
1.8
2.2
0.8
0.5
1.4
0.8
0.8
1.3
0.7
0.7
0
0
0
0
0
0
0
0
1.9
2.5
2.3
2.9
1.7
2.8
1.9
2.0
1.8
2.4
2.3
2.7
1.6
2.3
1.9
1.9
0.2
0.5
0.2
0.8
0.5
1.2
0.4
0.6
0
0
0
0
0
5
0
0
4.0
2.8
2.9
4.1
2.7
4.0
2.6
2.9
4.2
2.8
1.2
0.8
0.5
0.7
0.7
0
0
0
0
0
3.1
3.1
2.7
4.0
3.2
3.0
3.1
2.8
4.1
3.3
1.3
0.6
0.5
0.7
0.5
3
0
2
6
0
Full time ...................................................................
Part time ..................................................................
1.2
2.7
1.1
2.1
0.5
1.4
0
1
1.3
2.5
1.2
1.9
0.2
1.2
0
0
Union .......................................................................
Nonunion .................................................................
2.9
1.3
2.8
1.1
1.0
0.5
(2)
0
3.7
1.2
3.6
1.2
0.7
0.3
5
0
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.0
2.2
1.7
1.8
2.3
2.9
2.0
1.5
1.7
2.3
0.9
0.7
0.5
0.7
0.4
0
0
0
0
0
2.8
2.0
1.9
1.7
2.6
2.5
2.0
1.8
1.7
2.6
1.0
0.4
0.4
0.3
0.4
1
0
0
0
0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.8
4.3
3.7
2.7
4.2
3.6
0.6
1.1
0.7
0
0
0
2.6
3.4
3.4
2.6
3.5
3.3
0.6
1.2
0.7
0
1
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.2
2.0
3.0
2.8
5.6
9.2
4.6
2.0
2.3
1.1
2.0
3.0
2.5
5.2
9.4
4.3
1.9
2.0
0.6
0.5
1.2
0.7
1.4
0.5
3.1
0.4
0.5
0
0
0
–
0
0
0
0
0
1.3
2.2
3.2
2.9
6.0
9.2
5.1
2.9
2.9
1.3
2.1
3.2
2.6
5.7
9.4
5.0
2.8
2.8
0.2
0.4
0.9
0.7
1.4
0.5
3.1
0.2
0.2
0
0
1
0
0
5
0
0
0
Establishment characteristics
See footnotes at end of table.
Table 20. Standard errors for outpatient prescription drug benefits:1 Copayment
provisions, private industry workers, National Compensation Survey,
2014—continued
Brand-name drugs not on formulary
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristics
All workers ...............................................................
1.4
1.4
0.3
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
2.8
2.6
3.3
1.8
2.7
2.3
2.5
2.2
2.8
2.5
2.7
1.9
2.5
2.3
2.5
0.3
0.5
0.3
1.3
0.4
0.8
0.4
0.5
0
1
1
0
4
6
2
5
4.1
3.2
3.0
4.4
3.5
4.1
3.1
3.1
4.5
3.5
0.8
0.7
0.5
0.9
0.1
2
4
6
7
5
Full time ...................................................................
Part time ..................................................................
1.4
2.4
1.4
1.9
0.3
1.3
1
0
Union .......................................................................
Nonunion .................................................................
3.8
1.3
3.8
1.3
0.8
0.3
2
3
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.7
2.1
2.3
2.2
3.1
2.2
2.2
2.3
2.1
3.1
1.2
0.4
0.3
0.4
0.5
7
3
4
0
0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.2
4.8
3.8
3.3
4.8
3.8
0.6
–
0.8
7
4
3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.5
2.2
3.6
2.8
6.9
12.6
5.3
3.4
3.5
1.5
2.1
3.6
2.8
6.6
–
4.8
3.4
3.5
0.3
0.4
–
–
1.7
–
3.0
0.1
0.1
0
0
9
0
0
14
6
0
0
Establishment characteristics
See footnotes at end of table.
Table 20. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2014—continued
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
3.2
4.1
3.7
2.7
3.9
2.5
2.7
3.9
2.8
3.8
5.0
3.2
3.5
–
2.6
3.9
1.7
2.7
3.9
2.0
–
–
0.2
1.3
–
0.8
–
1.8
0.1
0.2
2.1
–
–
$0
0
0
0
0
0
0
0
0
0
0
3.4
3.8
3.4
3.7
4.6
1.6
2.7
3.7
1.9
5.7
5.2
3.4
3.7
–
3.7
4.6
1.5
2.7
3.7
1.8
–
–
0.1
0.1
–
0.6
–
0.4
4
( )
0.1
0.4
–
–
$0
0
8
2
5
0
5
0
0
4
0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.6
2.2
1.9
1.5
1.6
2.9
1.3
1.7
1.9
1.5
1.6
2.9
0.8
1.3
0.4
0.4
0.5
0.7
0
0
0
0
0
0
1.5
1.8
2.4
1.7
1.9
2.8
1.4
1.7
2.4
1.7
1.9
2.8
0.3
0.5
0.3
0.3
0.4
0.4
4
1
0
0
0
6
2.6
5.0
3.1
2.0
2.2
2.4
4.8
2.8
3.6
4.9
2.2
5.3
1.8
2.5
4.3
3.0
2.2
2.3
2.4
5.3
2.1
2.6
3.7
1.9
–
1.7
0.4
1.1
0.4
0.5
0.6
1.3
1.0
1.6
2.1
2.7
0.6
–
0.5
0
0
0
0
0
0
0
0
0
0
0
0
0
2.6
5.1
3.0
1.9
2.6
2.3
3.9
2.4
2.5
5.2
3.0
6.8
2.8
2.5
4.5
2.9
2.0
2.6
2.7
4.3
2.3
2.6
4.7
2.8
–
2.7
0.4
1.1
0.4
0.4
0.4
1.3
0.9
0.4
0.2
1.3
0.6
–
0.5
0
2
1
1
3
1
0
0
0
5
0
1
0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 20. Standard errors for outpatient prescription drug benefits:1 Copayment
provisions, private industry workers, National Compensation Survey,
2014—continued
Brand-name drugs not on formulary
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
Other services ......................................................
4.5
3.9
3.1
4.2
5.7
2.8
3.2
4.2
3.2
6.3
5.5
4.6
3.9
–
4.2
5.7
2.9
3.2
4.2
3.3
–
–
0.2
–
–
0.6
–
0.3
0.1
0.2
0.4
–
–
$0
0
9
9
6
1
0
9
2
10
0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.7
2.0
2.5
2.0
2.0
3.3
1.7
2.0
2.5
1.9
1.9
3.3
0.3
0.4
0.2
0.4
0.5
0.6
3
1
4
0
0
0
3.7
5.1
4.4
2.1
3.3
2.8
3.6
2.7
2.9
5.8
3.1
6.3
3.3
3.7
4.8
4.5
2.2
3.1
–
4.1
2.7
3.0
5.4
2.9
–
3.2
0.3
0.9
0.3
0.5
0.6
–
1.0
0.5
0.2
1.5
0.6
–
0.6
0
0
0
1
0
4
0
4
2
10
1
8
0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
4 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/glossary20142015.htm.
Table 21. Defined benefit plans: Availability and eligibility requirements for open plans,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in defined benefit plans = 100 percent)
Open to new employees
Characteristics
Plans open to
new
employees
Minimum
No minimum
Minimum
Minimum
age and
age or
age only
service only
service
service
requirement requirement
requirement
requirement
Age and
service
requirement
not
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristics
All workers ...............................................................
57
14
–
25
16
–
43
–
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 ....................
47
50
45
69
62
63
61
77
12
–
–
–
22
31
19
–
–
–
–
–
–
–
–
–
17
11
21
51
26
29
24
42
15
17
13
–
–
–
–
26
–
–
2
–
2
( )
–
1
–
53
50
55
31
38
37
39
23
–
–
–
–
–
–
–
–
87
68
55
41
68
–
–
15
–
24
–
–
–
–
–
60
25
20
–
35
26
26
19
28
–
–
–
–
2
–
–
32
45
59
32
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
55
80
12
31
–
–
23
42
17
–
–
–
45
20
–
–
Union .......................................................................
Nonunion .................................................................
74
47
9
17
–
–
45
12
18
15
–
–
26
53
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
82
90
57
59
54
49
23
–
22
15
10
–
–
–
–
–
–
–
53
–
24
24
23
17
–
–
–
19
18
17
–
–
1
–
–
–
18
–
43
41
46
51
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
50
88
37
–
–
–
–
–
–
20
66
–
24
–
24
–
–
–
50
–
63
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
60
72
69
72
72
78
44
62
61
50
81
48
58
17
23
–
28
–
–
–
28
30
–
36
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
27
33
–
–
37
–
–
24
21
–
23
–
33
13
13
–
–
–
30
–
9
10
–
20
–
13
–
–
–
–
–
–
–
–
–
–
–
1
2
40
28
–
28
28
–
56
38
39
50
19
52
42
–
–
–
–
–
–
–
–
–
–
–
–
–
68
54
42
–
–
–
–
38
–
–
–
–
32
46
–
–
Establishment characteristics
See footnotes at end of table.
Table 21. Defined benefit plans: Availability and eligibility requirements for open plans,1 private industry workers, National
Compensation Survey, 2014—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 ............................................
Plans open to
new
employees
Minimum
No minimum
Minimum
Minimum
age and
age or
age only
service only
service
service
requirement requirement
requirement
requirement
Age and
service
requirement
not
determinable
Plans not
open to new
employees
Not
determinable
70
73
67
53
50
56
29
28
31
9
9
8
–
–
–
–
–
–
26
28
24
25
26
23
10
–
–
18
14
22
–
–
6
–
–
–
30
27
33
47
50
44
–
–
–
–
–
–
67
62
68
57
56
66
55
54
51
60
52
73
45
18
–
20
13
–
23
–
11
14
–
14
–
10
–
–
–
–
–
–
–
–
–
–
–
–
–
28
–
27
23
25
–
–
22
21
–
30
43
26
–
20
–
18
16
29
–
19
11
35
–
–
–
1
–
1
–
2
( )
–
4
–
–
–
–
–
–
33
38
32
43
44
34
45
46
49
40
48
27
55
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
A typical minimum age requirement is 21 years and service requirement is 12 months. See glossary for additional information on requirements.
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 21. Standard errors for defined benefit plans: Availability and eligibility requirements for open plans,1 private industry
workers, National Compensation Survey, 2014
Open to new employees
Characteristics
Plans open to
Minimum age Minimum age
new
and service
only
employees
requirement requirement
Minimum
service only
requirement
No minimum
age or
service
requirement
Age and
service
requirement
not
determinable
Plans not
open to new
employees
Not
determinable
Worker characteristics
All workers ...............................................................
2.1
1.7
–
2.2
2.3
–
2.1
–
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 ....................
3.7
4.0
5.2
8.3
3.0
5.3
3.8
4.2
3.5
–
–
–
3.6
7.6
3.3
–
–
–
–
–
–
–
–
–
2.9
2.1
4.4
9.1
2.8
7.0
2.5
5.1
2.9
4.2
3.0
–
–
–
–
4.0
–
–
1.3
–
0.3
–
0.4
–
3.7
4.0
5.2
8.3
3.0
5.3
3.8
4.2
–
–
–
–
–
–
–
–
4.4
7.3
4.1
5.6
4.8
–
–
3.3
–
5.4
–
–
–
–
–
8.5
7.0
3.8
–
6.0
7.7
4.9
3.5
4.4
–
–
–
–
1.5
–
–
7.3
4.1
5.6
4.8
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.2
3.5
1.8
4.7
–
–
2.3
5.0
2.4
–
–
–
2.2
3.5
–
–
Union .......................................................................
Nonunion .................................................................
3.6
2.7
1.4
2.7
–
–
4.7
1.6
3.2
2.5
–
–
3.6
2.7
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.3
4.5
4.1
3.9
3.0
3.8
5.0
–
3.5
2.3
2.5
–
–
–
–
–
–
–
7.5
–
4.1
3.4
2.7
3.2
–
–
–
2.4
3.1
4.4
–
–
1.2
–
–
–
5.3
–
4.1
3.9
3.0
3.8
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.9
4.6
4.9
–
–
–
–
–
–
3.6
8.7
–
3.5
–
4.5
–
–
–
3.9
–
4.9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
2.6
3.3
10.8
6.1
6.5
7.5
9.5
3.9
3.8
7.3
4.0
9.0
8.1
2.2
3.0
–
4.6
–
–
–
4.5
4.5
–
6.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.7
4.4
–
–
10.0
–
–
3.8
3.1
–
5.6
–
8.0
2.8
3.1
–
–
–
5.0
–
2.2
2.3
–
4.0
–
3.1
–
–
–
–
–
–
–
–
–
–
–
0.5
2.2
2.6
3.3
–
6.1
6.5
–
9.5
3.9
3.8
7.3
4.0
9.0
8.1
–
–
–
–
–
–
–
–
–
–
–
–
–
9.1
9.3
8.7
–
–
–
–
9.9
–
–
–
–
9.1
9.3
–
–
Establishment characteristics
See footnotes at end of table.
Table 21. Standard errors for defined benefit plans: Availability and eligibility requirements for open plans,1 private industry
workers, National Compensation Survey, 2014—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
Minimum age Minimum age
new
and service
only
employees
requirement requirement
Minimum
service only
requirement
No minimum
age or
service
requirement
Age and
service
requirement
not
determinable
Plans not
open to new
employees
Not
determinable
3.5
3.8
6.2
2.7
4.6
4.0
4.9
6.8
5.8
1.6
2.1
2.1
–
–
–
–
–
–
4.3
5.9
5.2
2.8
4.0
3.4
2.2
–
–
2.8
2.8
5.0
–
–
3.4
–
–
–
3.5
3.8
6.2
2.7
4.6
4.0
–
–
–
–
–
–
3.0
5.8
3.5
4.2
5.6
2.4
8.2
4.1
4.9
7.8
5.5
3.8
6.5
4.7
–
5.7
2.8
–
4.1
–
2.6
3.4
–
2.9
–
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
4.2
–
4.0
4.5
6.2
–
–
3.7
3.4
–
5.7
7.4
6.8
–
5.8
–
2.3
2.0
4.2
–
3.6
2.9
7.2
–
–
–
0.7
–
0.8
–
0.3
–
3.5
–
–
–
–
–
–
3.0
5.8
3.5
4.2
5.6
2.4
8.2
4.1
4.9
7.8
5.5
3.8
6.5
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
A typical minimum age requirement is 21 years and service requirement is 12 months. See glossary for additional information on requirements.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 22. Defined benefit plans: Plan sponsor,1 private industry workers, National Compensation Survey,
2014
(All workers participating in selected defined benefit plans = 100 percent)
Traditional defined benefit
plans4
All defined benefit plans2
Characteristics
Single
employer
sponsor
Multi-employer
sponsor3
Single
employer
sponsor
Non-traditional defined benefit
plans5
Multi-employer
sponsor3
Single
employer
sponsor
Multi-employer
sponsor3
Worker characteristics
All workers ...............................................................
78
17
68
25
99
–
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 ....................
90
96
86
49
77
58
83
57
–
–
–
48
20
40
13
38
83
91
78
43
60
41
69
52
–
–
–
53
34
56
24
42
100
99
100
100
100
100
100
100
–
–
–
–
–
–
–
–
24
87
83
93
73
75
–
13
–
19
–
85
76
88
67
76
–
19
–
25
–
100
98
100
93
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
81
50
13
48
72
38
20
59
99
100
–
–
Union .......................................................................
Nonunion .................................................................
51
95
41
–
47
91
45
–
100
99
–
–
Average wage within the following categories6:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
32
–
77
77
85
93
65
80
19
14
12
5
–
–
67
65
77
89
79
–
26
22
18
9
–
–
100
99
100
99
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
76
–
96
24
83
–
68
–
94
32
83
–
100
–
100
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
79
60
73
28
76
100
96
99
99
100
99
100
69
14
32
–
72
–
–
–
–
–
–
–
–
–
67
52
78
18
69
100
95
97
97
100
97
–
61
22
40
–
82
–
–
–
–
–
–
–
–
–
99
95
–
–
–
100
–
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
76
70
–
–
73
62
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 22. Defined benefit plans: Plan sponsor,1 private industry workers, National Compensation Survey,
2014—continued
(All workers participating in selected defined benefit plans = 100 percent)
Traditional defined benefit
plans4
All defined benefit plans2
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Single
employer
sponsor
Multi-employer
sponsor3
Single
employer
sponsor
Non-traditional defined benefit
plans5
Multi-employer
sponsor3
Single
employer
sponsor
Multi-employer
sponsor3
77
77
77
79
69
88
18
–
21
16
25
–
70
70
70
67
55
80
23
–
27
25
36
–
97
95
100
100
100
100
–
–
–
–
–
–
77
81
75
89
85
91
95
80
83
74
60
58
61
20
–
–
8
–
–
–
15
12
–
28
42
24
67
73
66
84
78
88
93
67
74
49
43
37
45
29
–
29
12
15
–
–
25
19
42
40
63
33
100
100
100
100
100
–
100
98
97
100
100
–
100
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Sum of single- and multi-employer sponsor may not equal 100 percent as other plan sponsor types are not included (e.g., employer associations, railroad retirement
boards).
2 All workers participating in defined benefit plans = 100 percent.
3 Plans established by a labor organization and provided to employees of two or more unrelated companies in accordance with a collective bargaining agreement.
4 All workers participating in traditional defined benefit plans = 100 percent. See glossary for definition of traditional plans.
5 All workers participating in non-traditional defined benefit plans = 100 percent. See glossary for definition of non-traditional plans.
6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 22. Standard errors for defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2014
Traditional defined benefit
plans2
All defined benefit plans
Characteristics
Single
employer
sponsor
Multi-employer
sponsor1
Single
employer
sponsor
Non-traditional defined benefit
plans3
Multi-employer
sponsor1
Single
employer
sponsor
Multi-employer
sponsor1
Worker characteristics
All workers ...............................................................
2.6
1.9
3.2
2.5
0.6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.9
2.5
6.7
9.3
3.6
5.3
3.6
4.7
–
–
–
9.5
3.2
5.3
2.7
4.4
7.8
5.1
9.4
10.2
4.6
7.2
5.3
5.2
–
–
–
10.4
4.3
7.3
4.1
5.0
0.3
0.6
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
6.9
4.3
2.6
2.2
4.4
6.8
–
2.4
–
4.6
–
5.1
3.7
3.7
6.4
7.0
–
3.4
–
5.9
–
0.0
2.3
0.0
6.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.7
6.8
1.8
6.0
3.5
7.4
2.5
6.5
0.7
0.0
–
–
Union .......................................................................
Nonunion .................................................................
4.7
0.9
4.2
–
4.8
1.8
4.5
–
0.0
0.7
–
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.0
–
4.7
4.4
2.1
1.6
6.4
6.8
3.9
2.3
2.0
1.3
–
–
6.0
6.0
3.0
2.8
5.8
–
5.0
3.8
2.7
2.3
–
–
0.0
1.4
0.3
0.6
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.5
–
2.0
3.5
7.6
–
4.4
–
3.0
4.4
7.6
–
0.0
–
0.0
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
3.4
5.0
10.0
5.4
6.5
0.0
3.8
0.5
0.6
0.0
0.8
0.4
12.1
2.5
5.0
–
5.4
–
–
–
–
–
–
–
–
–
4.4
6.7
11.2
4.6
8.9
0.0
5.6
1.8
1.9
0.0
2.0
–
13.7
3.3
6.1
–
4.6
–
–
–
–
–
–
–
–
–
0.8
4.9
–
–
–
0.0
–
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10.9
14.7
–
–
11.8
17.0
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 22. Standard errors for defined benefit plans: Plan sponsor, private industry workers, National
Compensation Survey, 2014—continued
Traditional defined benefit
plans2
All defined benefit plans
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
sponsor
Multi-employer
sponsor1
Single
employer
sponsor
Multi-employer
sponsor1
Non-traditional defined benefit
plans3
Single
employer
sponsor
Multi-employer
sponsor1
3.4
5.5
5.3
3.6
5.6
2.8
3.1
–
5.2
2.6
4.0
–
4.6
7.8
6.8
4.8
6.6
4.3
4.2
–
6.5
3.7
5.4
–
3.4
5.1
0.0
0.0
0.0
0.0
–
–
–
–
–
–
5.8
5.2
7.5
2.2
3.2
7.6
2.9
2.2
1.6
6.0
8.7
9.9
11.0
6.1
–
–
2.3
–
–
–
2.3
1.4
–
4.6
9.9
4.8
5.4
6.6
6.3
3.2
3.9
9.9
4.8
3.6
2.8
10.3
9.1
5.1
11.9
6.4
–
7.9
3.2
4.0
–
–
3.6
2.3
11.9
6.9
5.1
7.6
0.0
0.0
0.0
0.0
0.0
–
0.0
1.8
2.9
0.0
0.0
–
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
4
Plans established by a labor organization and provided to employees of two or more unrelated companies in accordance with a collective bargaining agreement.
See glossary for definition of traditional plans.
See glossary for definition of non-traditional plans.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 23. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2014
(All workers participating in defined benefit plans = 100 percent)
Traditional plan formula
Characteristics
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
Worker characteristics
All workers ...............................................................
67
34
8
21
4
33
30
3
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
58
47
66
–
59
71
55
91
44
31
53
–
29
21
32
25
11
–
–
–
–
–
–
–
–
–
–
35
20
40
14
50
–
–
–
–
–
–
–
–
42
53
34
–
41
29
45
9
41
52
32
–
41
29
44
9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
84
68
58
78
–
38
32
31
33
–
–
–
–
–
57
44
28
24
33
31
–
–
–
–
–
16
32
42
22
–
16
20
22
18
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
66
81
36
17
7
–
17
54
5
–
34
19
31
19
4
–
–
–
Union .......................................................................
Nonunion .................................................................
91
52
27
39
–
10
51
–
–
–
9
48
8
43
–
5
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
82
–
71
63
67
56
–
–
32
37
37
39
–
–
–
4
8
–
55
80
24
17
18
5
–
–
–
5
4
–
18
–
29
37
33
44
18
–
25
30
32
43
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
77
100
66
38
–
44
–
–
–
28
58
19
11
33
–
23
–
34
13
–
18
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
64
80
–
–
57
68
29
29
18
37
–
79
33
28
–
40
38
–
25
27
17
35
28
63
–
–
–
–
–
–
–
–
–
–
–
–
18
46
72
–
–
34
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
36
20
–
–
43
32
71
71
82
63
–
21
36
18
–
–
43
32
70
70
82
61
61
21
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
78
57
64
30
–
–
–
–
–
–
22
–
22
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 23. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey,
2014—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 ............................................
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
76
74
79
64
70
59
29
30
29
36
29
43
–
–
–
6
–
–
28
27
28
18
27
10
–
–
–
4
–
–
24
26
21
36
30
41
21
26
–
33
29
36
–
–
–
–
–
–
–
–
–
–
–
–
71
–
–
70
69
77
70
58
62
51
70
–
–
31
37
29
48
50
47
47
23
27
–
32
23
–
–
–
17
–
–
–
–
–
–
–
–
–
–
24
–
22
10
–
–
–
24
26
–
29
44
24
–
–
–
–
–
–
–
–
–
9
–
–
–
29
–
–
30
31
23
30
42
38
49
30
–
–
29
–
–
30
31
23
30
32
25
49
26
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Benefits are based on a dollar amount per month for each year of service recognized by the plan.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 23. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation
Survey, 2014
Traditional plan formula
Characteristics
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Nontraditional
Percent of
employer
contribution
Cash
balance
Pension
equity
Other
Worker characteristics
All workers ...............................................................
2.9
2.9
1.4
2.2
0.7
2.9
2.7
0.8
–
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.9
6.5
4.9
–
4.6
8.0
4.9
1.9
4.5
4.7
5.7
–
3.1
6.0
3.5
4.4
3.1
–
–
–
–
–
–
–
–
–
–
9.6
3.3
5.3
2.5
5.8
–
–
–
–
–
–
–
–
4.9
6.5
4.9
–
4.6
8.0
4.9
1.9
4.8
6.4
4.8
–
4.6
8.0
4.9
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.3
4.8
6.5
5.7
–
8.0
5.2
7.2
6.7
–
–
–
–
–
7.5
8.9
4.7
5.2
7.1
7.4
–
–
–
–
–
3.3
4.8
6.5
5.7
–
3.3
4.3
6.4
4.8
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.0
4.0
3.1
4.2
1.4
–
2.1
4.9
0.8
–
3.0
4.0
2.8
4.0
0.8
–
–
–
Union .......................................................................
Nonunion .................................................................
2.4
3.6
4.5
3.3
–
2.2
5.0
–
–
–
2.4
3.6
2.3
3.3
–
1.1
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.2
–
4.6
4.1
3.7
5.4
–
–
5.1
5.3
3.4
4.5
–
–
–
1.1
2.2
–
5.4
6.8
4.1
2.7
3.0
1.5
–
–
–
1.2
1.1
–
5.2
–
4.6
4.1
3.7
5.4
5.2
–
4.4
3.6
3.7
5.3
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.4
0.0
5.9
6.6
–
8.0
–
–
–
3.9
7.9
3.5
1.9
7.9
–
4.4
–
5.9
2.5
–
3.5
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
3.8
3.5
–
–
6.0
5.8
2.9
3.3
3.7
4.5
–
5.1
3.2
5.6
–
11.1
10.6
–
2.8
2.8
3.6
4.0
6.4
7.8
–
–
–
–
–
–
–
–
–
–
–
–
2.7
4.7
6.1
–
–
9.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.8
3.5
–
–
6.0
5.8
2.9
3.3
3.7
4.5
–
5.1
3.7
3.0
–
–
6.0
5.8
3.2
3.5
3.7
4.9
13.1
5.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6.2
9.0
9.0
8.9
–
–
–
–
–
–
6.2
–
6.2
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 23. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation
Survey, 2014—continued
Traditional plan formula
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Traditional
Percent of
terminal
earnings
Percent of
career
earnings
Dollar
times
years1
Non-traditional plan formula
Percent of
employer
contribution
Nontraditional
Cash
balance
Pension
equity
Other
3.3
4.8
5.5
3.4
5.0
4.7
3.7
4.7
7.2
3.7
5.3
4.9
–
–
–
1.5
–
–
3.6
5.7
5.6
2.4
4.1
2.1
–
–
–
1.0
–
–
3.3
4.8
5.5
3.4
5.0
4.7
2.9
4.8
–
3.3
5.0
4.0
–
–
–
–
–
–
–
–
–
–
–
–
7.3
–
–
4.4
6.1
6.3
8.2
4.0
5.3
5.7
7.3
–
–
4.6
10.1
5.8
5.0
5.3
5.1
12.5
4.6
6.7
–
8.5
4.0
–
–
–
4.4
–
–
–
–
–
–
–
–
–
–
5.0
–
6.1
3.0
–
–
–
4.0
3.8
–
4.9
8.9
5.7
–
–
–
–
–
–
–
–
–
2.5
–
–
–
7.3
–
–
4.4
6.1
6.3
8.2
4.0
5.3
5.7
7.3
–
–
7.3
–
–
4.4
6.1
6.3
8.2
2.9
3.5
5.7
7.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Benefits are based on a dollar amount per month for each year of service recognized by the plan.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 24. Defined benefit plans: Vesting requirements, private industry workers, National Compensation
Survey, 2014
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Cliff vesting1
Years required for cliff
vesting
Mean
Graded
vesting2
Immediate
full vesting
Not
determinable
Median
Worker characteristics
All workers ...............................................................
95
4
5
3
–
–
3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
95
97
94
93
96
95
97
93
4
4
4
5
4
4
4
5
5
–
5
5
5
5
–
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
( )
(3)
1
(3)
3
( )
–
(3)
3
94
92
95
98
92
5
5
4
4
5
5
5
5
5
5
–
–
–
–
–
–
–
–
–
–
1
5
2
1
4
Full time ...................................................................
Part time ..................................................................
95
95
4
5
5
5
3
–
–
–
–
–
Union .......................................................................
Nonunion .................................................................
96
95
5
4
5
–
–
4
–
–
2
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
100
94
96
94
94
5
5
4
4
4
4
5
5
5
5
5
5
–
–
–
–
–
–
–
–
–
–
–
–
(3)
–
–
1
2
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
95
95
95
5
5
4
5
5
5
–
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
95
94
100
98
87
94
94
97
97
99
94
100
91
4
5
5
5
4
4
4
4
4
3
4
4
5
5
5
5
5
5
5
5
3
3
3
3
–
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
5
–
–
13
–
–
–
–
–
–
–
1
83
92
5
5
5
5
–
–
–
–
8
–
Establishment characteristics
See footnotes at end of table.
Table 24. Defined benefit plans: Vesting requirements, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in defined benefit plans = 100 percent)
Characteristics
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
Immediate
full vesting
Not
determinable
Median
93
92
94
96
97
94
4
4
5
4
4
4
5
5
5
5
5
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
3
92
90
93
96
96
100
96
95
94
96
97
98
96
4
4
4
4
4
5
4
4
4
4
4
4
4
5
5
5
5
5
5
5
5
5
–
5
5
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
(3)
3
1
2
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
4
An employee is not entitled to any accrued benefits until satisfying the requirement for 100 percent vesting.
An employee is entitled to a gradually increasing share of benefits determined by years of service, eventually reaching 100 percent vesting status.
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 24. Standard errors for defined benefit plans: Vesting requirements, private industry workers,
National Compensation Survey, 2014
Characteristics
Cliff vesting1
Years required for cliff
vesting
Mean
Graded
vesting2
Immediate
full vesting
Not
determinable
Median
Worker characteristics
All workers ...............................................................
1.1
0.1
0.0
0.8
–
–
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.4
1.2
2.1
4.1
0.8
2.0
0.9
2.9
0.1
0.1
0.1
0.1
0.1
0.2
0.1
0.1
0.4
–
0.0
0.0
0.0
0.0
–
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.2
(3)
0.3
(3)
(3)
–
(3)
2.1
3.3
4.1
2.2
0.9
4.2
0.1
0.1
0.1
0.1
0.1
0.0
0.0
0.0
0.4
0.0
–
–
–
–
–
–
–
–
–
–
0.7
3.7
1.7
0.6
2.9
Full time ...................................................................
Part time ..................................................................
1.2
2.9
0.1
0.1
0.0
0.0
0.8
–
–
–
–
–
Union .......................................................................
Nonunion .................................................................
1.8
1.0
0.1
0.1
0.0
–
–
1.0
–
–
1.4
–
Average wage within the following categories4:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.2
0.0
2.5
1.4
1.7
1.7
0.1
0.1
0.1
0.1
0.1
0.1
0.0
0.0
0.0
0.0
0.0
1.0
–
–
–
–
–
–
–
–
–
–
–
–
0.1
–
–
0.7
1.0
0.7
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
3.3
2.5
0.1
0.1
0.1
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
1.3
3.4
0.0
0.6
9.6
3.9
4.1
1.6
1.6
1.2
3.6
0.0
3.7
0.1
0.1
(3)
0.1
0.2
0.1
0.2
0.1
0.1
0.1
0.1
0.3
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
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
3.4
–
–
9.6
–
–
–
–
–
–
–
0.4
5.0
4.3
0.1
0.1
0.0
0.0
–
–
–
–
4.7
–
Establishment characteristics
See footnotes at end of table.
Table 24. Standard errors for defined benefit plans: Vesting requirements, private industry workers,
National Compensation Survey, 2014—continued
Characteristics
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
Immediate
full vesting
Not
determinable
Median
1.8
2.0
3.6
1.3
1.2
2.2
0.1
0.1
0.1
0.1
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
–
1.7
3.2
7.7
3.5
1.8
2.6
0.0
3.1
1.1
1.2
2.6
1.9
1.4
2.5
0.2
0.2
0.3
0.1
0.1
0.1
0.2
0.1
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
0.0
–
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.2
0.1
2.7
1.4
2.6
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
4
An employee is not entitled to any accrued benefits until satisfying the requirement for 100 percent vesting.
An employee is entitled to a gradually increasing share of benefits determined by years of service, eventually reaching 100 percent vesting status.
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 25. Defined benefit plans: Integration with Social Security, private industry workers, National
Compensation Survey, 2014
(All workers participating in defined benefit plans = 100 percent)
Characteristics
Type of integrated formula
Benefits
integrated
with Social
Security
Social
Security
breakpoint1
Benefits not
integrated
with Social
Cash balance
Security
Offset by
Social
Security2
Not covered
under Social
Security
Worker characteristics
All workers ...............................................................
–
16
9
–
71
–
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 ....................
–
–
–
–
–
27
–
20
14
12
16
–
16
–
13
–
13
–
11
–
7
–
8
9
–
7
–
–
–
–
–
–
64
62
65
74
72
73
72
80
–
–
–
–
–
–
–
–
–
30
26
27
25
–
20
19
–
19
–
–
–
–
–
–
–
–
–
–
90
70
74
73
75
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
16
7
10
–
–
–
68
89
–
–
Union .......................................................................
Nonunion .................................................................
–
–
–
21
6
12
–
–
82
64
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
16
–
–
–
–
–
–
–
24
15
15
15
–
–
–
5
13
–
–
–
2
–
–
4
84
90
66
72
69
64
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
35
–
40
20
–
29
–
–
–
–
–
–
65
91
60
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
–
23
–
–
–
–
–
30
31
13
49
–
–
14
11
–
–
–
–
–
15
15
–
18
–
–
7
–
–
–
–
–
–
6
6
–
13
–
–
–
–
–
–
–
–
–
9
10
–
18
–
–
73
77
54
83
75
90
87
70
69
87
51
67
65
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
71
60
–
–
Establishment characteristics
See footnotes at end of table.
Table 25. Defined benefit plans: Integration with Social Security, private industry workers, National
Compensation Survey, 2014—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 ............................................
Benefits
integrated
with Social
Security
Type of integrated formula
Social
Security
breakpoint1
Offset by
Social
Security2
Benefits not
integrated
with Social
Cash balance
Security
Not covered
under Social
Security
31
30
33
–
–
–
23
19
–
13
11
14
–
–
–
10
–
17
–
–
–
–
–
–
69
70
67
71
78
64
–
–
–
–
–
–
29
–
31
–
–
44
50
20
23
–
–
21
–
14
–
17
24
23
–
–
12
–
5
9
18
6
–
–
–
–
11
–
–
–
6
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
–
71
80
69
58
63
56
50
80
77
86
76
79
75
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Benefit as calculated by formula is reduced by portion of primary Social Security payment.
Formula applies lower benefit rate to earnings subject to FICA (Social Security) taxes or below a specified dollar amount.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above
and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 25. Standard errors for defined benefit plans: Integration with Social Security, private industry
workers, National Compensation Survey, 2014
Characteristics
Type of integrated formula
Benefits
integrated
with Social
Security
Social
Security
breakpoint1
Benefits not
integrated
with Social
Cash balance
Security
Offset by
Social
Security2
Not covered
under Social
Security
Worker characteristics
All workers ...............................................................
–
1.7
1.9
–
3.0
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
7.3
–
3.9
2.0
2.6
2.9
–
2.6
–
2.1
–
3.7
–
2.9
–
1.9
–
2.0
2.6
–
1.9
–
–
–
–
–
–
4.8
5.8
6.0
9.2
3.9
7.3
3.8
3.9
–
–
–
–
–
–
–
–
–
6.8
4.8
7.0
5.5
–
6.0
4.4
–
4.9
–
–
–
–
–
–
–
–
–
–
3.8
6.8
4.8
7.0
5.5
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
1.9
2.0
2.0
–
–
–
3.1
3.4
–
–
Union .......................................................................
Nonunion .................................................................
–
–
–
2.4
1.5
2.7
–
–
4.8
3.6
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.7
–
–
–
–
–
–
–
4.7
3.5
1.7
3.0
–
–
–
1.1
3.2
–
–
–
0.7
–
–
1.1
4.7
4.9
4.8
5.1
3.3
5.4
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
6.3
–
7.5
4.8
–
6.7
–
–
–
–
–
–
6.3
4.6
7.5
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
–
4.3
–
–
–
–
–
4.4
4.3
3.1
6.2
–
–
1.7
3.0
–
–
–
–
–
2.7
2.7
–
4.1
–
–
1.9
–
–
–
–
–
–
1.5
1.6
–
3.4
–
–
–
–
–
–
–
–
–
2.2
2.2
–
3.6
–
–
3.3
4.3
10.2
4.7
9.4
2.7
4.5
4.4
4.3
3.1
6.2
13.1
10.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6.1
12.0
–
–
Establishment characteristics
See footnotes at end of table.
Table 25. Standard errors for defined benefit plans: Integration with Social Security, private industry
workers, National Compensation Survey, 2014—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 ............................................
Benefits
integrated
with Social
Security
Type of integrated formula
Social
Security
breakpoint1
Offset by
Social
Security2
Benefits not
integrated
with Social
Cash balance
Security
Not covered
under Social
Security
5.1
7.0
8.6
–
–
–
4.3
4.2
–
2.1
2.4
3.3
–
–
–
2.2
–
3.9
–
–
–
–
–
–
5.1
7.0
8.6
3.5
5.5
4.5
–
–
–
–
–
–
5.8
–
6.8
–
–
13.1
12.3
4.4
5.7
–
–
4.4
–
3.2
–
4.0
4.0
4.4
–
–
3.6
–
1.3
2.0
4.2
1.7
–
–
–
–
3.4
–
–
–
1.4
–
–
–
–
–
–
–
0.9
–
–
–
–
–
–
–
–
–
5.8
8.9
6.8
5.4
4.9
13.1
12.3
4.4
5.7
6.1
8.7
4.4
11.3
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Benefit as calculated by formula is reduced by portion of primary Social Security payment.
Formula applies lower benefit rate to earnings subject to FICA (Social Security) taxes or below a specified dollar amount.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above
and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 26. Defined benefit plans: Availability of selected benefit features,1 private industry workers, National
Compensation Survey, 2014
(In percent)
Lump-sum payment at
normal retirement
Disability retirement
benefits
Joint-and-survivor
annuity
Preretirement survivor
benefits
Characteristics
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Worker characteristics
All workers ...............................................................
34
88
82
63
100
100
99
93
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 ....................
40
41
40
–
24
–
29
38
89
95
82
92
99
100
99
90
77
81
75
93
82
80
82
85
69
73
66
–
52
–
54
69
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
99
100
100
100
100
98
93
94
90
–
89
100
87
100
22
56
28
35
23
–
93
71
57
96
87
83
83
73
91
–
69
61
72
–
100
100
100
100
100
–
100
100
100
100
95
100
100
100
100
–
100
100
100
100
Full time ...................................................................
Part time ..................................................................
36
17
88
87
81
92
65
–
100
100
100
100
99
100
95
–
Union .......................................................................
Nonunion .................................................................
29
39
98
87
90
74
–
64
100
100
100
100
99
100
86
94
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
25
28
43
44
–
93
84
89
88
95
80
84
80
77
–
69
59
66
67
100
100
100
100
100
–
100
100
100
100
100
100
100
99
100
–
90
93
94
94
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
37
24
37
47
–
47
81
85
80
80
–
80
100
100
100
100
–
100
98
95
100
100
–
100
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
32
15
–
–
–
–
83
23
24
–
22
–
97
97
–
–
–
97
–
99
99
100
97
–
83
86
85
89
98
–
71
75
73
92
79
74
59
44
–
–
–
89
–
64
66
68
62
–
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
98
100
100
100
100
100
92
100
–
–
–
100
–
88
88
83
92
–
–
–
–
–
74
77
–
–
100
100
–
–
100
100
–
–
Establishment characteristics
See footnotes at end of table.
Table 26. Defined benefit plans: Availability of selected benefit features,1 private industry workers, National
Compensation Survey, 2014—continued
(In percent)
Lump-sum payment at
normal retirement
Disability retirement
benefits
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
35
41
27
33
28
39
99
98
100
86
100
75
74
73
76
86
86
85
66
67
64
62
65
60
100
100
100
100
100
100
100
100
100
100
100
100
98
97
100
100
100
100
90
87
96
94
99
90
31
48
26
46
45
42
49
28
30
–
24
44
–
92
94
91
94
91
–
99
77
66
97
96
–
94
88
79
90
75
76
71
74
84
81
92
85
90
84
–
61
–
70
67
–
75
68
73
–
68
–
65
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
–
100
100
100
100
100
–
100
98
91
100
100
100
100
100
100
100
100
100
100
99
81
–
83
93
92
–
93
100
100
100
96
–
96
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
See glossary for additional information on these selected benefit features.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
Table 26. Standard errors for defined benefit plans: Availability of selected benefit features,1 private industry
workers, National Compensation Survey, 2014
Lump-sum payment at
normal retirement
Disability retirement
benefits
Joint-and-survivor
annuity
Preretirement survivor
benefits
Characteristics
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Traditional
Nontraditional
Worker characteristics
All workers ...............................................................
3.0
3.3
1.8
5.6
0.0
0.0
0.5
1.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
6.5
9.1
7.9
–
3.9
–
5.1
4.9
4.0
2.2
6.7
8.5
0.3
0.0
0.4
6.7
3.8
4.0
4.8
3.8
4.0
6.6
4.2
4.0
6.2
6.9
7.2
–
7.9
–
7.8
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
0.3
0.0
0.5
0.0
0.0
0.0
0.0
2.4
2.4
3.0
3.1
–
3.6
0.0
4.3
0.0
6.2
4.9
4.2
4.8
5.9
–
6.4
7.8
9.6
3.7
7.0
3.6
3.3
5.4
3.0
–
10.3
10.9
13.4
–
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
4.5
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
Full time ...................................................................
Part time ..................................................................
3.2
5.1
3.2
12.5
2.1
2.5
5.6
–
0.0
0.0
0.0
0.0
0.5
0.4
1.3
–
Union .......................................................................
Nonunion .................................................................
3.9
4.2
1.6
3.6
1.8
3.1
–
5.0
0.0
0.0
0.0
0.0
0.9
0.0
12.6
1.9
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
4.4
3.7
4.3
7.2
–
7.3
7.4
3.5
5.3
2.3
4.6
3.5
2.6
3.9
–
7.1
8.2
6.7
8.7
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
0.3
–
3.8
2.6
1.5
3.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.7
7.0
5.4
8.5
–
8.5
3.4
7.2
4.4
5.8
–
5.8
0.0
0.0
0.0
0.0
–
0.0
1.5
4.6
0.0
0.0
–
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
3.7
3.7
–
–
–
–
3.0
5.6
5.5
–
6.5
–
1.8
2.0
–
–
–
2.3
–
1.0
1.0
0.0
2.8
–
2.5
2.6
9.6
3.2
2.1
–
10.7
6.7
6.4
4.9
8.3
6.5
6.7
10.4
–
–
–
5.8
–
5.2
4.9
7.1
6.5
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
0.0
–
0.0
0.0
0.0
0.0
–
0.1
0.0
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.0
1.6
0.0
–
–
–
0.0
–
3.4
3.5
4.9
5.4
–
–
–
–
–
6.7
7.3
–
–
0.0
0.0
–
–
0.0
0.0
–
–
Establishment characteristics
See footnotes at end of table.
Table 26. Standard errors for defined benefit plans: Availability of selected benefit features,1 private industry
workers, National Compensation Survey, 2014—continued
Lump-sum payment at
normal retirement
Disability retirement
benefits
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
4.4
5.8
7.0
4.1
4.8
6.7
1.2
1.8
0.0
4.1
0.2
6.3
5.3
7.3
5.8
1.8
2.9
2.7
7.3
7.5
14.5
6.5
9.1
8.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
2.9
0.0
0.1
0.2
0.2
2.9
4.3
3.6
1.2
1.1
1.8
5.0
11.9
6.0
6.2
7.0
11.6
13.6
4.7
5.9
–
6.6
9.5
–
6.8
5.0
8.2
2.7
4.7
–
0.5
7.1
9.2
1.9
1.8
–
2.7
3.6
10.9
3.0
2.9
3.1
10.6
5.9
4.2
5.1
4.8
3.2
4.7
4.1
–
15.8
–
8.2
11.5
–
13.2
8.4
4.3
–
9.7
–
12.9
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
0.0
0.0
0.0
–
0.0
1.9
8.1
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.6
3.8
–
6.9
3.9
5.8
–
6.2
0.0
0.0
0.0
2.7
–
2.9
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
See glossary for additional information on these selected benefit features.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
Table 27. Cash balance plans: Employer contributions, private industry workers, National Compensation Survey, 2014
(All workers participating in cash balance plans = 100 percent)
Contributions vary by1
Characteristics
Flat rate
percentage
contribution
Mean flat rate
(in percent)
Variable
percentage
contribution
Social
Security
taxable
wage
base
Age
Service
Earnings
Other
Worker characteristics
All workers ...............................................................
12
3.79
88
8
73
77
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
100
10
13
–
–
9
–
10
–
–
–
–
–
73
68
79
–
69
84
65
42
43
94
96
92
76
73
80
91
76
64
79
55
58
91
85
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
12
–
3.85
–
88
–
9
–
74
56
77
87
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
13
–
3.70
–
87
–
8
65
73
84
77
–
–
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
11
–
–
–
4.00
–
–
–
89
–
–
10
7
9
–
68
69
74
75
81
81
75
72
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Utilities .............................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
–
20
62
–
–
–
–
–
4.80
4.78
–
–
–
–
–
80
38
–
–
–
–
9
–
–
13
14
–
29
69
73
34
65
63
65
58
80
75
–
73
74
83
58
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
9
–
12
64
68
52
75
83
68
78
80
72
77
82
74
–
–
–
–
–
–
–
–
–
–
–
–
See footnotes at end of table.
Table 27. Cash balance plans: Employer contributions, private industry workers, National Compensation Survey,
2014—continued
(All workers participating in cash balance plans = 100 percent)
Contributions vary by1
Characteristics
Flat rate
percentage
contribution
Mean flat rate
(in percent)
Variable
percentage
contribution
Social
Security
taxable
wage
base
Age
Service
Earnings
Other
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
–
–
–
9
–
–
–
–
–
–
–
–
–
–
4.25
–
–
–
–
–
–
–
–
–
–
91
–
–
–
–
–
–
–
–
–
–
10
7
–
–
–
–
–
–
66
–
70
79
83
76
70
53
90
74
87
77
72
79
83
87
73
75
64
86
74
84
–
–
–
–
–
–
–
–
–
–
–
1
2
–
–
–
–
–
–
–
–
–
–
–
The sum of individual categories may exceed the total because many workers may be in plans in which contributions vary by more than one characteristic.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2014."
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/glossary20142015.htm.
Table 27. Standard errors for cash balance plans: Employer contributions, private industry workers, National
Compensation Survey, 2014
Contributions vary by
Characteristics
Flat rate
percentage
contribution
Mean flat rate
(in percent)
Variable
percentage
contribution
Social
Security
taxable
wage
base
Age
Service
Earnings
Other
Worker characteristics
All workers ...............................................................
3.5
0.24
3.5
1.7
4.2
4.2
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.0
2.5
3.6
–
–
2.6
–
2.8
–
–
–
–
–
5.2
7.1
5.7
–
6.5
11.5
6.6
10.3
12.6
3.9
2.3
8.3
5.5
7.0
7.2
8.9
6.5
10.8
6.0
10.7
12.7
5.4
9.5
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.4
–
0.24
–
3.4
–
1.8
–
4.1
10.9
4.2
12.5
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
3.7
–
0.23
–
3.7
–
1.8
14.6
4.3
6.2
4.4
–
–
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
2.7
–
–
–
0.23
–
–
–
2.7
–
–
2.9
2.0
2.2
–
8.7
5.4
5.1
5.2
8.1
4.3
5.4
6.8
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Utilities .............................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
–
5.0
8.3
–
–
–
–
–
0.31
0.33
–
–
–
–
–
5.0
8.3
–
–
–
–
1.9
–
–
3.4
3.5
–
6.1
4.7
7.1
7.9
6.0
6.0
9.9
7.3
4.4
7.0
–
6.7
6.7
11.5
6.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.8
–
2.8
5.7
7.0
13.7
4.8
7.0
6.4
6.2
7.7
13.3
4.9
7.0
6.3
–
–
–
–
–
–
–
–
–
–
–
–
See footnotes at end of table.
Table 27. Standard errors for cash balance plans: Employer contributions, private industry workers, National
Compensation Survey, 2014—continued
Contributions vary by
Characteristics
Flat rate
percentage
contribution
Mean flat rate
(in percent)
Variable
percentage
contribution
Social
Security
taxable
wage
base
Age
Service
Earnings
Other
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
–
–
–
2.2
–
–
–
–
–
–
–
–
–
–
0.40
–
–
–
–
–
–
–
–
–
–
2.2
–
–
–
–
–
–
–
–
–
–
3.1
2.2
–
–
–
–
–
–
7.5
–
7.3
4.8
5.2
8.6
9.8
15.7
6.0
12.9
7.1
8.8
15.4
9.0
4.9
6.5
9.7
8.4
11.6
9.2
13.0
8.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2014."
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/glossary20142015.htm.
Table 28. Traditional defined benefit plans: Availability of lump-sum benefits at retirement,
private industry workers, National Compensation Survey, 2014
(All workers participating in traditional defined benefit plans = 100 percent)
Type of lump-sum
Characteristics
Lump-sum
available
Full
lump-sum
Partial
lump-sum
with reduced
annuity
Lump-sum
not available
Not
determinable
Worker characteristics
All workers ...............................................................
34
29
5
66
(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 ....................
40
41
40
–
24
–
29
38
–
–
40
–
–
–
–
–
–
–
–
–
–
–
–
–
59
59
59
67
76
90
71
62
(1)
–
1
–
–
–
–
–
22
56
28
35
23
–
–
–
35
–
–
–
–
–
–
78
44
72
65
77
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
36
17
32
–
4
–
64
82
(1)
(1)
Union .......................................................................
Nonunion .................................................................
29
39
21
–
8
–
71
61
(1)
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
25
28
43
44
–
–
22
–
–
–
–
6
–
–
93
75
72
56
56
–
–
–
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
37
24
37
–
–
–
–
–
–
63
76
63
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
32
15
–
–
–
–
83
23
24
–
22
–
–
–
–
–
–
–
83
–
–
–
22
–
–
–
–
–
–
–
–
–
–
–
–
–
67
85
78
90
84
79
–
77
76
63
78
71
(1)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
54
71
–
–
Establishment characteristics
See footnotes at end of table.
Table 28. Traditional defined benefit plans: Availability of lump-sum benefits at retirement,
private industry workers, National Compensation Survey, 2014—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
Full
lump-sum
Partial
lump-sum
with reduced
annuity
Lump-sum
not available
Not
determinable
35
41
27
33
28
39
–
–
–
27
–
–
–
–
–
6
–
–
65
59
73
67
72
61
–
–
–
(1)
1
( )
(1)
31
48
26
46
45
42
49
28
30
–
24
44
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
69
52
73
54
55
58
51
72
70
76
75
56
81
(1)
–
(1)
–
–
–
–
–
–
–
1
( )
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 28. Standard errors for traditional defined benefit plans: Availability of lump-sum
benefits at retirement, private industry workers, National Compensation Survey, 2014
Type of lump-sum
Characteristics
Lump-sum
available
Full
lump-sum
Partial
lump-sum
with reduced
annuity
Lump-sum
not available
Not
determinable
Worker characteristics
All workers ...............................................................
3.0
2.9
1.1
3.0
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 ....................
6.5
9.1
7.9
–
3.9
–
5.1
4.9
–
–
7.9
–
–
–
–
–
–
–
–
–
–
–
–
–
6.5
9.1
8.0
10.4
3.9
3.7
5.1
4.9
0.3
–
0.5
–
–
–
–
–
6.2
4.9
4.2
4.8
5.9
–
–
–
4.8
–
–
–
–
–
–
6.2
4.9
4.2
4.8
5.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.2
5.1
3.2
–
1.1
–
3.2
5.0
0.1
0.4
Union .......................................................................
Nonunion .................................................................
3.9
4.2
3.4
–
1.7
–
3.9
4.2
0.2
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
4.4
3.7
4.3
7.2
–
–
3.4
–
–
–
–
1.6
–
–
4.0
4.4
3.7
4.3
7.2
–
–
–
0.2
0.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.7
7.0
5.4
–
–
–
–
–
–
5.7
7.0
5.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
3.7
3.7
–
–
–
–
3.0
5.6
5.5
–
6.5
–
–
–
–
–
–
–
3.0
–
–
–
6.5
–
–
–
–
–
–
–
–
–
–
–
–
–
3.7
3.7
10.4
3.3
7.6
7.9
–
5.6
5.5
8.5
6.5
9.2
0.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10.4
11.3
–
–
Establishment characteristics
See footnotes at end of table.
Table 28. Standard errors for traditional defined benefit plans: Availability of lump-sum
benefits at retirement, private industry workers, National Compensation Survey,
2014—continued
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
Full
lump-sum
Partial
lump-sum
with reduced
annuity
Lump-sum
not available
Not
determinable
4.4
5.8
7.0
4.1
4.8
6.7
–
–
–
3.9
–
–
–
–
–
1.5
–
–
4.4
5.8
7.0
4.1
4.8
6.7
–
–
–
0.1
0.2
0.2
5.0
11.9
6.0
6.2
7.0
11.6
13.6
4.7
5.9
–
6.6
9.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.1
11.9
6.2
6.2
7.0
11.6
13.6
4.7
5.9
8.0
6.7
9.5
7.8
0.2
–
0.2
–
–
–
–
–
–
–
0.4
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 29. Traditional defined benefit plans: Maximum benefit provisions, private industry workers, National Compensation
Survey, 2014
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
Maximum years of credited service
Subject to
maximum
years of
credited
service
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
Not subject to
maximum
years of
credited
service
90th
percentile
Not
determinable
Worker characteristics
All workers ...............................................................
34
30
30
35
35
40
66
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
39
42
38
–
37
35
38
26
30
30
30
–
30
25
30
30
30
30
30
–
30
30
30
30
35
35
35
–
35
35
35
30
40
35
40
–
40
35
40
35
40
40
40
–
40
40
40
–
61
58
62
78
63
65
62
74
–
–
–
–
–
–
–
–
–
–
37
26
46
–
–
25
35
25
–
–
30
35
30
–
–
35
35
35
–
–
35
35
35
–
–
35
35
35
82
66
63
74
54
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
35
24
30
30
30
35
35
35
35
35
40
40
65
76
–
–
Union .......................................................................
Nonunion .................................................................
31
38
30
30
30
30
35
35
35
35
40
40
69
62
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
44
37
33
33
–
30
25
30
30
–
35
30
30
30
–
35
35
35
35
–
35
40
35
35
–
40
40
40
40
89
56
63
67
67
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
22
–
26
30
–
35
35
–
35
35
–
35
35
–
35
40
–
40
78
81
74
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
40
39
–
19
52
64
43
61
65
51
73
–
30
25
–
25
25
30
30
30
30
–
30
–
30
30
–
30
30
–
30
–
–
30
–
–
35
35
–
35
35
–
30
35
35
35
35
–
–
35
–
35
35
40
30
35
35
35
35
–
40
40
–
40
35
40
30
35
35
40
40
–
60
61
50
81
48
–
57
39
35
49
–
67
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
85
61
–
–
Establishment characteristics
See footnotes at end of table.
Table 29. Traditional defined benefit plans: Maximum benefit provisions, private industry workers, National Compensation
Survey, 2014—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 ............................................
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
40
39
42
32
36
26
30
30
30
30
30
25
30
30
35
30
35
30
35
30
35
35
35
35
35
35
35
40
40
40
35
–
35
40
40
40
60
61
58
68
64
74
–
–
–
–
–
–
28
–
–
38
39
51
30
23
25
18
49
46
30
–
–
30
30
30
30
30
30
30
25
25
30
–
–
30
30
35
30
35
35
30
30
30
35
–
–
35
35
35
35
35
35
35
35
37
35
–
–
35
35
35
35
40
40
35
40
40
40
–
–
35
35
35
–
40
40
35
40
40
72
63
74
62
61
49
70
77
75
82
51
54
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 29. Standard errors for traditional defined benefit plans: Maximum benefit provisions, private industry workers,
National Compensation Survey, 2014
Characteristics
Maximum years of credited service
Subject to
maximum
years of
credited
service
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
Not subject to
maximum
years of
credited
service
90th
percentile
Not
determinable
Worker characteristics
All workers ...............................................................
4.1
0.0
0.0
0.0
4.2
0.0
4.1
–
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 ....................
7.4
7.7
9.0
–
4.7
7.3
5.1
6.8
0.0
0.0
0.0
–
6.2
6.4
1.3
0.0
0.7
0.4
1.9
–
3.2
6.4
1.6
0.0
1.2
0.0
7.4
–
0.0
0.0
0.0
5.9
1.4
2.1
0.0
–
4.2
5.2
3.0
0.0
0.0
2.1
0.0
–
0.0
1.3
0.0
–
7.4
7.7
9.0
12.0
4.7
7.3
5.1
6.8
–
–
–
–
–
–
–
–
–
–
5.3
7.1
7.1
–
–
0.9
6.9
0.0
–
–
2.4
0.0
4.7
–
–
0.0
0.0
2.4
–
–
0.0
0.0
0.0
–
–
0.0
0.0
0.0
8.0
10.4
5.3
7.1
7.1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
4.3
6.5
0.0
2.0
0.0
5.5
0.0
0.0
5.3
0.0
0.0
6.0
4.3
6.5
–
–
Union .......................................................................
Nonunion .................................................................
6.1
4.6
0.0
6.9
1.3
0.4
0.0
0.0
6.5
2.7
0.0
0.0
6.1
4.6
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
7.6
6.1
4.7
5.8
–
2.3
5.2
0.0
0.0
–
0.0
2.8
0.0
0.0
–
0.0
0.0
1.8
1.8
–
5.5
7.1
0.5
3.1
–
0.0
0.0
1.2
0.0
4.9
7.6
6.1
4.7
5.8
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.5
–
5.7
2.2
–
6.9
1.3
–
0.0
0.0
–
0.0
0.0
–
0.0
6.4
–
4.7
4.5
9.0
5.7
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
5.3
5.5
–
5.4
10.2
16.0
9.5
6.5
6.6
11.4
9.5
–
4.7
1.3
–
4.7
1.3
6.8
0.0
0.0
0.0
–
0.0
–
0.0
0.0
–
0.0
1.3
–
0.0
–
–
2.6
–
–
0.0
0.0
–
5.8
3.8
–
0.0
0.0
0.0
1.3
0.0
–
–
2.0
–
2.6
0.0
3.5
0.0
0.0
0.0
0.0
0.0
–
0.0
1.3
–
6.3
0.0
0.0
1.8
6.5
6.5
7.1
7.1
–
5.3
5.5
11.9
5.4
10.2
–
9.5
6.5
6.6
11.4
–
14.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.5
16.4
–
–
Establishment characteristics
See footnotes at end of table.
Table 29. Standard errors for traditional defined benefit plans: Maximum benefit provisions, private industry workers,
National Compensation Survey, 2014—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
5.7
6.8
8.8
5.1
7.3
4.7
3.5
5.1
5.6
1.6
0.0
4.0
0.0
0.0
6.3
2.2
6.6
0.0
0.0
2.6
0.0
0.0
0.0
1.6
0.0
0.0
0.0
5.8
6.1
6.8
2.6
–
0.0
0.0
0.0
0.0
5.7
6.8
8.8
5.1
7.3
4.7
–
–
–
–
–
–
8.1
–
–
6.0
8.7
13.3
7.8
4.6
6.0
2.5
11.6
13.6
0.0
–
–
0.0
0.0
6.1
7.0
1.8
5.9
0.0
6.3
4.7
0.0
–
–
0.0
0.0
0.0
0.0
1.9
0.5
7.1
2.3
6.0
2.4
–
–
0.0
0.9
0.0
7.6
0.0
0.9
0.0
1.7
4.8
2.6
–
–
0.0
0.0
0.0
0.0
1.6
0.0
0.0
5.5
0.9
0.0
–
–
1.0
4.4
0.0
–
0.0
0.0
7.1
0.0
0.0
8.1
12.9
9.3
6.0
8.7
13.3
7.8
4.6
6.0
2.5
11.6
13.6
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 30. Traditional defined benefit plans: Terminal earnings formulas, private industry
workers, National Compensation Survey, 2014
(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)
Characteristics
Flat percent per year of service
Flat
percent
50th
per year
10th
25th
75th
90th
percentile
of service percentile percentile
percentile percentile
(median)
Worker characteristics
All workers ...............................................................
52
1.00
1.25
1.60
2.00
2.00
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
58
55
59
65
–
–
51
–
–
–
–
46
1.20
1.20
1.20
1.00
–
–
1.00
–
–
–
–
0.70
1.45
1.25
1.45
–
–
–
1.45
–
–
–
–
0.70
1.60
1.60
1.60
1.50
–
–
1.67
–
–
–
–
–
2.00
1.60
2.00
1.60
–
–
2.00
–
–
–
–
2.00
–
2.00
–
1.60
–
–
2.00
–
–
–
–
2.00
Full time ...................................................................
Part time ..................................................................
50
78
1.00
1.00
1.25
1.00
1.60
1.45
2.00
1.50
2.00
2.00
Union .......................................................................
Nonunion .................................................................
74
–
0.70
–
1.35
–
1.50
–
1.85
–
2.00
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
53
51
49
–
1.00
–
1.20
–
1.25
1.25
1.25
–
1.67
1.50
1.60
–
2.00
1.60
1.60
–
2.00
2.00
1.70
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
–
–
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Insurance carriers and related activities ......
Education and health services .............................
Health care and social assistance ...................
58
66
–
–
–
74
76
–
0.70
–
–
–
1.00
1.20
1.20
0.70
–
–
–
1.25
1.45
1.60
–
–
–
–
1.60
1.60
2.00
2.00
–
–
–
2.00
2.00
2.00
2.00
–
–
–
2.00
2.00
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
55
63
49
–
–
–
–
1.20
0.70
–
–
–
1.25
1.45
1.25
–
–
–
1.60
1.67
1.50
–
–
–
1.85
2.00
1.60
–
–
–
2.00
–
1.67
Establishment characteristics
See footnotes at end of table.
Table 30. Traditional defined benefit plans: Terminal earnings formulas,
private industry workers, National Compensation Survey, 2014—continued
(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100
percent)
Percent per year varies by
Characteristics
Percent
per year
varies
Service Earnings
Earnings
and
service
Other
Worker characteristics
All workers ...............................................................
–
–
26
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
49
71
–
50
60
59
63
54
9
–
11
–
11
–
12
–
–
–
–
–
19
25
–
–
25
–
21
24
30
48
46
49
–
–
–
–
12
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
27
–
11
–
–
–
Union .......................................................................
Nonunion .................................................................
–
52
–
8
–
30
–
15
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
54
–
–
–
–
7
–
–
37
29
23
21
–
–
12
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
57
70
–
–
33
41
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Insurance carriers and related activities ......
Education and health services .............................
Health care and social assistance ...................
–
34
64
64
66
–
–
9
–
–
–
–
–
–
24
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
58
56
60
–
–
–
–
–
–
–
–
11
53
49
59
19
–
17
–
–
–
12
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 30. Traditional defined benefit plans: Terminal earnings formulas, private industry
workers, National Compensation Survey, 2014—continued
(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)
Characteristics
Flat percent per year of service
Flat
percent
50th
per year
10th
25th
75th
90th
percentile
of service percentile percentile
percentile percentile
(median)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
See footnotes at end of table.
64
77
60
–
–
45
–
–
83
56
66
–
1.00
–
–
–
–
–
–
1.35
1.45
1.45
1.25
1.25
–
–
–
1.60
–
–
1.50
–
–
1.50
–
1.50
–
–
1.60
–
–
–
2.00
2.00
1.60
2.00
1.60
–
–
1.60
–
–
5.00
2.00
2.00
2.00
2.00
1.60
–
–
2.00
–
–
5.00
2.00
2.00
Table 30. Traditional defined benefit plans: Terminal earnings formulas,
private industry workers, National Compensation Survey, 2014—continued
(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100
percent)
Percent per year varies by
Characteristics
Percent
per year
varies
Service Earnings
Earnings
and
service
Other
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
–
–
–
49
52
–
56
66
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
36
36
–
19
20
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
may include workers with earnings both above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
Table 30. Standard errors for traditional defined benefit plans: Terminal earnings
formulas, private industry workers, National Compensation Survey, 2014
Characteristics
Flat percent per year of service
Flat
percent
50th
per year
10th
25th
75th
90th
percentile
of service percentile percentile
percentile percentile
(median)
Worker characteristics
All workers ...............................................................
4.5
0.09
0.09
0.10
0.43
0.04
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
6.1
6.9
7.2
19.1
–
–
5.5
–
–
–
–
12.2
0.07
0.05
0.22
0.00
–
–
0.04
–
–
–
–
0.00
0.24
0.21
0.16
–
–
–
0.24
–
–
–
–
0.00
0.07
0.04
0.15
0.09
–
–
0.07
–
–
–
–
–
0.40
0.42
0.30
0.00
–
–
0.05
–
–
–
–
0.42
–
0.04
–
0.00
–
–
0.25
–
–
–
–
0.00
Full time ...................................................................
Part time ..................................................................
4.9
9.4
0.20
0.00
0.13
0.29
0.07
0.13
0.41
0.22
0.09
0.26
Union .......................................................................
Nonunion .................................................................
7.6
–
0.16
–
0.17
–
0.15
–
0.36
–
0.00
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
8.3
4.6
6.6
–
0.10
–
0.18
–
0.24
0.10
0.23
–
0.29
0.10
0.12
–
0.00
0.00
0.00
–
0.22
0.23
0.43
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
–
–
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Insurance carriers and related activities ......
Education and health services .............................
Health care and social assistance ...................
5.3
8.4
–
–
–
8.4
10.0
–
0.00
–
–
–
0.07
0.22
0.13
0.09
–
–
–
0.28
0.19
0.13
–
–
–
–
0.27
0.37
0.16
0.45
–
–
–
0.38
0.37
0.26
0.00
–
–
–
0.00
0.00
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
5.4
10.2
5.8
–
–
–
–
0.27
0.00
–
–
–
0.24
0.17
0.19
–
–
–
0.07
0.44
0.14
–
–
–
0.34
0.00
0.00
–
–
–
0.00
–
0.12
Establishment characteristics
See footnotes at end of table.
Table 30. Standard errors for traditional defined benefit plans: Terminal
earnings formulas, private industry workers, National Compensation
Survey, 2014—continued
Percent per year varies by
Characteristics
Percent
per year
varies
Service Earnings
Earnings
and
service
Other
Worker characteristics
All workers ...............................................................
–
–
4.0
2.7
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
5.6
13.1
–
9.0
9.2
8.6
9.7
12.2
2.0
–
2.7
–
3.1
–
3.6
–
–
–
–
–
4.7
6.6
–
–
5.4
–
4.3
6.8
7.8
9.5
12.3
12.3
–
–
–
–
3.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
4.2
–
2.8
–
–
–
Union .......................................................................
Nonunion .................................................................
–
4.9
–
1.5
–
4.7
–
3.7
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8.7
–
–
–
–
1.8
–
–
9.9
6.5
4.7
5.6
–
–
3.5
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
9.7
7.3
–
–
8.0
8.4
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Insurance carriers and related activities ......
Education and health services .............................
Health care and social assistance ...................
–
8.4
6.1
6.1
9.0
–
–
1.8
–
–
–
–
–
–
4.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
7.4
8.9
13.9
–
–
–
–
–
–
–
–
2.1
7.7
9.6
14.0
3.8
–
4.6
–
–
–
3.3
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 30. Standard errors for traditional defined benefit plans: Terminal earnings
formulas, private industry workers, National Compensation Survey, 2014—continued
Characteristics
Flat percent per year of service
Flat
percent
50th
per year
10th
25th
75th
90th
percentile
of service percentile percentile
percentile percentile
(median)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
See footnotes at end of table.
8.7
12.5
11.2
–
–
11.1
–
–
10.5
15.8
15.7
–
0.17
–
–
–
–
–
–
0.40
0.20
0.13
0.31
0.14
–
–
–
0.32
–
–
0.41
–
–
0.22
–
0.21
–
–
0.00
–
–
–
0.43
0.36
0.04
0.46
0.08
–
–
0.10
–
–
0.00
0.00
0.00
0.22
0.33
0.22
–
–
0.53
–
–
0.00
0.00
0.00
Table 30. Standard errors for traditional defined benefit plans: Terminal
earnings formulas, private industry workers, National Compensation
Survey, 2014—continued
Percent per year varies by
Characteristics
Percent
per year
varies
Service Earnings
Earnings
and
service
Other
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
–
–
–
7.0
6.9
–
8.6
6.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7.3
9.2
–
4.9
5.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
may include workers with earnings both above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
–
–
–
–
–
–
–
–
–
–
–
Table 31. Traditional defined benefit plans: Definition of terminal earnings, private industry
workers, National Compensation Survey, 2014
(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)
Five years
Characteristics
Total
High
consecutive
five
High five
Other period
Not
determinable
Worker characteristics
All workers ...............................................................
72
19
51
21
6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
67
65
68
50
72
86
69
94
93
82
78
85
15
24
–
–
25
–
25
–
–
27
–
38
50
37
56
48
44
64
40
74
72
47
61
–
22
–
19
–
22
–
24
–
–
–
–
–
11
–
13
–
6
–
7
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
73
59
19
–
51
–
20
–
7
–
Union .......................................................................
Nonunion .................................................................
72
73
–
21
57
48
–
26
–
2
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
74
71
73
66
19
20
19
19
49
48
53
46
–
–
25
34
–
–
2
–
Goods-producing industries .....................................
Manufacturing ......................................................
69
74
–
–
50
49
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Insurance carriers and related activities ......
74
79
95
95
94
21
43
40
40
–
51
35
47
47
58
17
–
–
–
–
9
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
500 workers or more ............................................
90
92
86
68
72
27
–
–
17
18
56
64
–
49
53
–
–
–
24
28
–
–
–
8
–
Establishment characteristics
See footnotes at end of table.
Table 31. Traditional defined benefit plans: Definition of terminal earnings, private industry
workers, National Compensation Survey, 2014—continued
(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)
Five years
Characteristics
Total
High
consecutive
five
High five
Other period
Not
determinable
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
94
90
96
68
74
55
80
82
74
–
–
–
24
32
–
–
–
–
65
72
63
43
42
46
60
69
–
–
–
–
32
–
–
–
–
–
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
–
–
–
–
–
–
–
–
–
Table 31. Standard errors for traditional defined benefit plans: Definition of terminal earnings,
private industry workers, National Compensation Survey, 2014
Five years
Characteristics
Total
High
consecutive
five
High five
Other period
Not
determinable
Worker characteristics
All workers ...............................................................
6.1
3.2
5.3
4.0
6.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
9.6
10.6
11.0
14.0
6.1
9.4
6.9
2.4
3.0
6.8
8.5
10.6
4.2
6.5
–
–
5.2
–
5.2
–
–
6.9
–
10.8
8.3
6.1
10.4
13.8
5.8
13.8
5.3
8.1
9.4
7.4
8.7
–
6.0
–
5.7
–
4.6
–
5.2
–
–
–
–
–
10.2
–
11.6
–
5.7
–
6.8
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
6.2
13.6
3.3
–
5.4
–
4.0
–
6.3
–
Union .......................................................................
Nonunion .................................................................
14.3
4.9
–
3.7
13.0
4.5
–
4.8
–
1.5
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8.8
10.6
5.9
7.9
5.4
4.7
3.8
5.4
7.8
8.1
5.9
6.2
–
–
5.7
7.9
–
–
1.9
–
Goods-producing industries .....................................
Manufacturing ......................................................
7.5
7.0
–
–
6.4
6.6
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Insurance carriers and related activities ......
8.1
7.9
3.4
3.4
5.2
4.0
9.0
7.6
7.6
–
7.0
8.6
6.2
6.2
9.2
4.4
–
–
–
–
8.3
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
500 workers or more ............................................
6.3
6.3
10.9
7.3
6.4
5.7
–
–
3.6
4.4
7.2
8.5
–
6.4
6.1
–
–
–
4.8
6.4
–
–
–
7.6
–
Establishment characteristics
See footnotes at end of table.
Table 31. Standard errors for traditional defined benefit plans: Definition of terminal earnings,
private industry workers, National Compensation Survey, 2014—continued
Five years
Characteristics
Total
High five
High
consecutive
five
Other period
Not
determinable
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
2.7
7.2
3.0
7.0
8.8
11.0
7.4
9.0
9.7
–
–
–
4.8
7.1
–
–
–
–
8.8
12.6
11.0
6.4
9.6
9.2
8.4
5.5
–
–
–
–
7.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 32. Traditional defined benefit plans: Normal retirement age and service
requirements,1 private industry workers, National Compensation Survey, 2014
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
With age and
service
requirement
With age only
requirement
With service
only
requirement
With age plus
service
requirement
Worker characteristics
All workers ...............................................................
82
11
4
3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
82
76
85
78
77
79
82
–
–
–
12
–
12
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
97
66
78
72
83
–
–
14
22
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
82
87
12
–
–
–
–
–
Union .......................................................................
Nonunion .................................................................
83
81
–
17
7
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
89
78
82
83
–
13
11
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
83
97
74
11
–
17
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
82
83
81
77
89
89
58
80
79
70
81
86
11
–
–
–
–
–
–
20
21
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
64
–
–
Establishment characteristics
See footnotes at end of table.
Table 32. Traditional defined benefit plans: Normal retirement age and service
requirements,1 private industry workers, National Compensation Survey,
2014—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 ............................................
With age and
service
requirement
With age only
requirement
With service
only
requirement
With age plus
service
requirement
76
77
76
84
85
84
–
–
–
10
–
11
–
–
–
–
–
–
–
–
–
–
–
–
77
72
78
84
86
90
78
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
95
83
80
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest:
West North Central ............................................
West .........................................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are
satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. In some plans, participants must
satisfy a minimum service requirement to be vested in the plan. Typical vesting requirements are 3 or 5 years of services. These
requirements are not included in the service requirements for normal retirement.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 32. Standard errors for traditional defined benefit plans: Normal retirement age
and service requirements,1 private industry workers, National Compensation Survey,
2014
Characteristics
With age and
service
requirement
With age only
requirement
With service
only
requirement
With age plus
service
requirement
Worker characteristics
All workers ...............................................................
2.4
1.9
1.0
0.7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.9
9.8
3.9
3.2
5.9
4.3
4.5
–
–
–
2.6
–
3.1
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.2
8.6
4.5
4.4
6.0
–
–
3.9
5.1
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.7
3.0
2.1
–
–
–
–
–
Union .......................................................................
Nonunion .................................................................
2.5
3.6
–
3.5
1.9
–
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.6
3.5
3.9
5.8
–
2.9
3.0
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.5
3.3
4.9
3.2
–
4.6
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
3.1
3.4
10.9
4.3
6.1
8.2
11.9
5.0
5.5
11.5
4.7
4.8
2.2
–
–
–
–
–
–
5.0
5.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11.2
–
–
Establishment characteristics
See footnotes at end of table.
Table 32. Standard errors for traditional defined benefit plans: Normal retirement age
and service requirements,1 private industry workers, National Compensation Survey,
2014—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 ............................................
With age and
service
requirement
With age only
requirement
With service
only
requirement
With age plus
service
requirement
5.5
8.9
6.6
2.6
3.9
3.2
–
–
–
2.1
–
2.3
–
–
–
–
–
–
–
–
–
–
–
–
6.3
9.7
7.8
4.2
5.0
6.2
8.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.0
4.8
6.4
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest:
West North Central ............................................
West .........................................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are
satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. In some plans, participants must
satisfy a minimum service requirement to be vested in the plan. Typical vesting requirements are 3 or 5 years of services. These
requirements are not included in the service requirements for normal retirement.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 33. Traditional defined benefit plans: Selected normal retirement age
requirements,1 private industry workers, National Compensation Survey, 2014
(All workers participating in traditional defined benefit plans = 100 percent)
Age less than 65
Characteristics
Less than 10
years of
service2
Age 65
10 years or
more of
service
Less than 10
years of
service2
10 years or
more of
service
Worker characteristics
All workers ...............................................................
16
21
57
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
15
–
–
–
19
18
19
–
17
–
22
32
56
52
58
63
59
66
57
55
–
–
–
–
–
–
–
–
–
–
15
–
–
26
39
21
–
24
52
57
58
66
52
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
17
–
23
–
55
72
–
–
Union .......................................................................
Nonunion .................................................................
18
–
25
16
52
64
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
16
–
15
–
–
14
17
28
24
84
64
58
51
53
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
20
27
18
54
48
65
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
–
–
–
21
21
–
–
34
–
63
27
29
–
40
–
59
59
55
73
–
59
36
61
59
72
39
59
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
63
58
–
–
Establishment characteristics
See footnotes at end of table.
Table 33. Traditional defined benefit plans: Selected normal retirement age
requirements,1 private industry workers, National Compensation Survey,
2014—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Normal retirement age requirements
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
60
62
65
65
65
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
60
60
60
62
60
60
60
60
60
60
60
62
62
62
62
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
60
60
60
62
60
62
65
62
65
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
Full time ...................................................................
Part time ..................................................................
60
62
62
65
65
65
65
65
65
65
Union .......................................................................
Nonunion .................................................................
60
60
62
62
65
65
65
65
65
65
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
65
60
60
60
60
65
62
62
62
60
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
60
60
60
62
62
65
65
65
65
65
65
65
65
65
65
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
60
60
60
62
60
55
55
60
60
62
60
60
62
62
60
65
60
57
55
62
62
62
62
62
65
65
65
65
62
65
65
65
65
65
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
55
60
62
60
65
65
65
65
65
65
Establishment characteristics
See footnotes at end of table.
Table 33. Traditional defined benefit plans: Selected normal retirement age
requirements,1 private industry workers, National Compensation Survey,
2014—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Age less than 65
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Less than 10
years of
service2
Age 65
10 years or
more of
service
Less than 10
years of
service2
10 years or
more of
service
–
–
–
21
–
–
19
25
–
22
22
22
75
69
82
50
51
50
–
–
–
–
–
–
–
–
–
–
–
–
–
13
–
–
–
–
–
28
48
–
–
–
–
–
26
24
33
14
–
–
63
50
66
61
64
–
63
58
63
–
44
–
45
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 33. Traditional defined benefit plans: Selected normal retirement age
requirements,1 private industry workers, National Compensation Survey,
2014—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Normal retirement age requirements
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
62
60
65
60
60
60
65
65
65
62
62
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
60
60
60
60
60
60
60
60
60
60
60
62
60
62
62
–
62
62
60
60
62
62
62
62
62
60
65
65
65
65
65
62
65
65
65
62
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
65
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements
are satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty.
2 Includes workers in plans with no minimum service requirements.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 33. Standard errors for traditional defined benefit plans: Selected normal
retirement age requirements,1 private industry workers, National Compensation
Survey, 2014
Age less than 65
Characteristics
Less than 10
years of
service2
Age 65
10 years or
more of
service
Less than 10
years of
service2
10 years or
more of
service
Worker characteristics
All workers ...............................................................
3.6
2.6
3.5
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
3.9
–
–
–
4.3
4.7
5.6
–
3.3
–
4.4
5.6
7.5
9.7
8.9
10.4
4.5
6.6
5.2
6.8
–
–
–
–
–
–
–
–
–
–
4.0
–
–
6.2
9.2
4.5
–
5.8
8.8
9.3
6.0
7.5
6.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.9
–
2.9
–
3.8
4.7
–
–
Union .......................................................................
Nonunion .................................................................
4.8
–
3.8
3.1
4.8
4.7
–
–
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
4.8
–
4.1
–
–
3.3
3.6
3.8
5.0
5.6
6.5
6.0
4.7
7.2
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
3.9
7.2
5.2
6.6
9.5
6.5
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
–
–
–
3.1
3.7
–
–
10.0
–
10.7
7.5
8.0
–
9.8
–
4.2
4.3
13.2
5.8
–
15.3
10.6
7.8
8.5
12.5
8.4
13.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11.0
16.1
–
–
Establishment characteristics
See footnotes at end of table.
Table 33. Standard errors for traditional defined benefit plans: Selected normal
retirement age requirements,1 private industry workers, National Compensation
Survey, 2014—continued
Normal retirement age requirements
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
0.0
0.0
0.0
0.0
0.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.0
1.6
0.0
2.7
0.0
2.6
2.0
1.0
2.2
2.2
2.5
2.0
0.0
3.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.5
5.1
0.5
2.7
0.0
0.0
2.6
0.0
3.5
1.0
2.2
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Full time ...................................................................
Part time ..................................................................
0.0
2.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
1.5
0.0
0.0
0.0
0.0
0.0
0.0
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.3
0.8
0.0
0.0
2.7
0.0
1.3
0.0
0.9
1.4
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
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
1.8
2.6
0.3
0.0
2.2
0.0
3.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
0.0
0.0
5.4
0.9
0.0
0.0
0.0
1.9
1.7
2.7
3.6
0.0
0.0
0.9
2.3
0.0
2.0
3.0
1.8
0.0
0.0
3.3
0.6
3.5
0.0
0.0
1.5
0.0
2.6
5.3
6.4
0.0
0.9
0.0
0.0
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7.3
0.0
0.8
4.6
0.0
0.9
0.0
0.0
0.0
0.0
Establishment characteristics
See footnotes at end of table.
Table 33. Standard errors for traditional defined benefit plans: Selected normal
retirement age requirements,1 private industry workers, National Compensation
Survey, 2014—continued
Age less than 65
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Less than 10
years of
service2
Age 65
10 years or
more of
service
Less than 10
years of
service2
10 years or
more of
service
–
–
–
4.9
–
–
3.2
5.1
–
3.3
4.6
4.0
3.9
5.8
5.9
4.4
6.2
5.7
–
–
–
–
–
–
–
–
–
–
–
–
–
3.5
–
–
–
–
–
5.8
10.0
–
–
–
–
–
4.0
4.3
9.9
3.8
–
–
5.5
10.2
6.7
6.4
8.6
–
13.0
5.8
6.6
–
9.9
–
12.3
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 33. Standard errors for traditional defined benefit plans: Selected normal
retirement age requirements,1 private industry workers, National Compensation
Survey, 2014—continued
Normal retirement age requirements
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
2.3
1.7
3.9
0.0
0.8
0.0
0.0
2.6
0.0
1.0
1.9
1.1
0.0
0.0
0.0
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.0
1.9
0.0
4.9
0.0
0.0
2.2
2.7
2.8
0.0
0.0
0.0
2.7
1.2
–
3.0
3.7
2.8
5.8
0.0
1.6
0.0
2.7
0.0
2.4
0.0
0.0
0.0
0.0
0.0
3.9
0.0
0.0
0.0
3.6
3.4
3.0
4.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements
are satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty.
2 Includes workers in plans with no minimum service requirements.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 34. Traditional defined benefit plans: Normal retirement1 service requirements, private
industry workers, National Compensation Survey, 2014
(Includes all workers in traditional defined benefit plans with a service requirement)
Normal retirement service requirements
Characteristics
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
5
5
5
–
30
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
15
–
5
–
5
–
–
20
–
20
–
25
–
30
30
5
5
5
5
5
5
5
5
5
5
5
–
5
5
5
10
30
10
–
–
–
30
30
30
–
Full time ...................................................................
Part time ..................................................................
5
5
5
5
5
5
10
5
30
–
Union .......................................................................
Nonunion .................................................................
5
5
5
5
5
5
10
–
30
20
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
–
15
5
20
–
30
25
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5
5
5
5
5
5
5
5
5
–
10
–
–
–
30
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
5
5
5
5
5
5
5
–
5
5
–
–
5
5
–
–
5
–
–
10
5
–
30
30
–
20
–
25
–
30
–
–
5
30
35
30
–
30
20
30
20
–
5
–
5
–
5
35
5
35
–
Establishment characteristics
See footnotes at end of table.
Table 34. Traditional defined benefit plans: Normal retirement1 service requirements, private
industry workers, National Compensation Survey, 2014—continued
(Includes all workers in traditional defined benefit plans with a service requirement)
Normal retirement service requirements
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
–
5
10
–
–
30
30
–
25
–
30
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
5
5
5
5
5
5
5
5
5
5
5
–
–
–
–
–
5
–
–
–
–
–
–
–
30
30
–
20
25
–
–
30
30
30
–
30
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are satisfied
and the participant may retire and receive all accrued benefits without a reduction or penalty.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 34. Standard errors for traditional defined benefit plans: Normal retirement1 service
requirements, private industry workers, National Compensation Survey, 2014
Normal retirement service requirements
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
0.0
0.0
0.0
–
7.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
4.4
–
0.0
–
0.0
–
–
2.6
–
1.6
–
6.9
–
4.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
2.6
0.0
2.4
–
–
–
0.0
4.3
0.0
–
Full time ...................................................................
Part time ..................................................................
0.0
0.0
0.0
0.0
0.0
0.0
2.4
0.0
4.1
–
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
0.0
0.0
0.0
1.6
–
1.6
3.4
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
3.9
0.0
2.4
–
0.9
6.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
2.6
–
–
–
3.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
1.3
–
–
0.0
0.0
–
–
0.0
–
–
0.0
0.0
–
0.0
0.0
–
5.6
–
7.1
–
5.0
–
–
0.0
7.8
3.0
0.0
–
7.7
0.0
0.0
3.6
–
0.0
–
0.0
–
0.0
6.9
0.0
0.0
–
Establishment characteristics
See footnotes at end of table.
Table 34. Standard errors for traditional defined benefit plans: Normal retirement1 service
requirements, private industry workers, National Compensation Survey, 2014—continued
Normal retirement service requirements
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
2.4
–
–
0.0
0.0
–
4.1
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
0.0
–
–
–
–
–
–
–
3.4
0.0
–
5.4
6.9
–
–
0.0
7.5
0.0
–
0.0
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are satisfied
and the participant may retire and receive all accrued benefits without a reduction or penalty.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 35. Traditional defined benefit plans: Availability of early retirement with selected
requirements,1 private industry workers, National Compensation Survey, 2014
(All workers participating in traditional defined benefit plans = 100 percent)
Early retirement age requirements
Characteristics
Early
retirement
available
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
99
50
55
55
55
55
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
99
100
98
99
50
50
50
55
50
50
50
50
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
60
99
99
98
100
97
55
50
50
50
50
55
50
50
55
50
55
55
55
55
55
55
55
55
55
55
62
55
55
55
57
Full time ...................................................................
Part time ..................................................................
99
100
50
50
55
55
55
55
55
55
55
55
Union .......................................................................
Nonunion .................................................................
99
100
50
50
52
55
55
55
55
55
55
55
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
99
99
99
100
52
50
50
50
55
55
55
52
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
50
55
50
55
55
55
55
55
55
55
55
55
55
60
55
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
99
98
100
100
94
100
100
98
97
100
95
100
50
50
50
50
47
55
50
50
50
50
50
50
55
50
55
52
50
55
50
55
55
55
55
55
55
55
55
55
50
55
50
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
58
55
62
55
55
55
55
55
55
55
99
100
45
50
55
55
55
55
55
55
60
55
Establishment characteristics
See footnotes at end of table.
Table 35. Traditional defined benefit plans: Availability of
early retirement with selected requirements,1 private
industry workers, National Compensation Survey,
2014—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Age 55
Characteristics
Less than 10
years of
service2
10 years or
more of
service
Worker characteristics
All workers ...............................................................
27
43
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 ....................
32
43
25
49
29
22
32
–
38
29
42
49
45
54
41
46
–
–
15
20
–
60
31
42
53
33
Full time ...................................................................
Part time ..................................................................
26
27
41
52
Union .......................................................................
Nonunion .................................................................
22
31
41
44
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
32
29
30
23
31
57
45
40
41
43
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
21
–
23
53
59
55
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
29
17
–
–
–
–
–
45
48
52
47
–
38
42
66
53
–
67
–
42
38
–
–
48
39
–
–
56
Establishment characteristics
See footnotes at end of table.
Table 35. Traditional defined benefit plans: Availability of early retirement with selected
requirements,1 private industry workers, National Compensation Survey, 2014—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Early retirement age requirements
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Early
retirement
available
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
100
100
100
99
100
98
50
50
50
50
50
50
55
55
55
55
52
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
57
55
55
55
100
100
100
98
97
96
100
100
100
100
100
100
100
50
50
50
50
55
50
50
50
50
50
50
55
50
55
55
55
55
55
55
55
52
52
52
50
55
50
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
55
60
55
55
55
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 35. Traditional defined benefit plans: Availability of
early retirement with selected requirements,1 private
industry workers, National Compensation Survey,
2014—continued
(All workers participating in traditional defined benefit plans = 100 percent)
Age 55
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Less than 10
years of
service2
10 years or
more of
service
28
37
–
26
22
30
47
40
57
41
42
39
34
–
37
19
22
–
–
25
26
20
31
74
18
41
46
40
49
53
–
50
42
43
39
34
–
40
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Early retirement is the age at which plan participants may retire and receive all accrued
benefits, minus a reduction for the number of years by which their retirement age precedes their
normal retirement age.
2 Includes workers in plans with no minimum service requirements.
3 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 35. Standard errors for traditional defined benefit plans: Availability of early retirement
with selected requirements,1 private industry workers, National Compensation Survey, 2014
Early retirement age requirements
Characteristics
Early
retirement
available
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
0.5
0.0
0.0
0.0
0.0
0.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.1
0.2
(3)
(3)
0.8
0.0
1.2
0.7
0.8
6.9
0.0
0.0
0.0
2.0
0.0
0.0
0.8
0.0
3.5
0.0
0.9
2.5
1.2
2.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.1
0.7
0.7
1.8
0.0
3.2
0.0
0.0
0.0
0.0
3.4
0.0
0.0
2.3
0.0
0.0
0.0
1.6
0.0
0.0
1.6
0.0
0.0
0.0
0.0
0.0
2.7
4.6
1.5
0.0
2.4
Full time ...................................................................
Part time ..................................................................
0.6
0.0
0.0
0.5
0.0
2.0
0.0
0.0
0.0
0.0
0.0
0.0
Union .......................................................................
Nonunion .................................................................
1.0
0.4
0.0
3.0
3.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.3
0.9
0.8
0.6
0.4
3.4
0.4
0.0
0.0
2.6
0.0
1.9
4.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
5.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
2.7
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
0.7
2.1
0.0
0.0
6.0
0.0
0.0
2.4
2.6
0.0
4.9
0.1
0.0
0.0
3.3
0.0
3.9
0.0
0.0
5.2
4.0
6.7
3.5
2.3
3.8
2.2
3.6
4.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.8
0.0
0.0
0.0
0.0
6.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.6
0.0
2.9
0.0
0.0
0.0
0.0
0.0
0.0
3.0
4.1
0.0
5.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.0
0.0
2.9
10.8
4.7
0.0
0.0
1.8
0.0
4.9
0.0
Establishment characteristics
See footnotes at end of table.
Table 35. Standard errors for traditional defined benefit
plans: Availability of early retirement with selected
requirements,1 private industry workers, National
Compensation Survey, 2014—continued
Age 55
Characteristics
Less than 10
years of
service2
10 years or
more of
service
Worker characteristics
All workers ...............................................................
3.1
3.2
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 ....................
6.4
10.6
5.9
10.2
3.3
5.0
4.0
–
6.4
8.4
7.9
10.0
4.3
5.9
4.8
4.7
–
–
3.6
5.2
–
7.7
4.7
5.9
8.0
6.5
Full time ...................................................................
Part time ..................................................................
3.5
5.8
3.7
6.7
Union .......................................................................
Nonunion .................................................................
3.5
4.3
4.3
4.6
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
6.6
5.7
4.1
4.8
7.1
5.7
5.3
4.9
4.4
6.6
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.6
–
5.5
5.3
8.2
7.1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
4.1
2.9
–
–
–
–
–
8.3
7.3
13.2
10.4
–
3.9
4.2
11.9
4.9
–
14.6
–
8.3
7.0
–
–
12.6
9.3
–
–
16.6
Establishment characteristics
See footnotes at end of table.
Table 35. Standard errors for traditional defined benefit plans: Availability of early retirement
with selected requirements,1 private industry workers, National Compensation Survey,
2014—continued
Early retirement age requirements
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Early
retirement
available
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
0.0
0.0
0.0
0.7
0.4
1.5
0.0
0.0
2.7
0.0
0.0
0.0
0.0
0.9
0.0
2.3
3.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.0
2.3
0.0
0.0
1.1
0.0
0.0
0.0
1.5
2.4
4.9
0.0
0.0
0.0
0.0
0.3
0.0
0.4
0.0
0.0
0.0
2.2
5.4
5.0
3.4
0.0
0.0
1.0
0.0
0.0
0.0
0.0
4.7
0.0
0.0
0.0
5.0
2.0
3.8
4.5
3.4
5.5
0.0
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9
9.9
1.2
0.0
0.0
0.0
2.3
0.0
0.0
2.9
0.0
2.8
0.0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 35. Standard errors for traditional defined benefit
plans: Availability of early retirement with selected
requirements,1 private industry workers, National
Compensation Survey, 2014—continued
Age 55
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Less than 10
years of
service2
10 years or
more of
service
4.9
8.3
–
3.4
4.5
5.0
5.4
8.1
8.9
3.9
5.6
5.1
8.5
–
10.0
3.5
4.9
–
–
3.2
4.2
3.9
6.8
5.8
5.2
6.2
8.8
7.4
6.2
7.4
–
12.5
3.9
3.9
10.1
7.4
–
10.2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Early retirement is the age at which plan participants may retire and receive all accrued
benefits, minus a reduction for the number of years by which their retirement age precedes their
normal retirement age.
2 Includes workers in plans with no minimum service requirements.
3 Less than 0.05.
4 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 36. Traditional defined benefit plans: Early retirement service requirements,1 private
industry workers, National Compensation Survey, 2014
(Includes all workers in traditional defined benefit plans with early retirement coverage and a service requirement)
Early retirement service requirements
Characteristics
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
5
5
10
10
20
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5
5
5
5
5
5
5
5
5
5
5
5
5
10
5
–
–
5
–
–
10
10
10
10
10
10
10
10
10
10
10
–
15
–
15
10
15
15
15
25
5
5
5
5
5
–
–
5
–
5
10
–
10
10
10
10
25
–
–
15
–
25
–
–
–
Full time ...................................................................
Part time ..................................................................
5
5
5
–
10
10
10
10
20
–
Union .......................................................................
Nonunion .................................................................
5
5
5
5
10
10
10
10
25
15
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5
5
5
5
5
5
5
5
5
5
10
10
10
10
–
10
10
10
–
10
15
15
–
25
15
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5
5
5
5
–
5
10
10
10
–
10
–
20
–
20
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
5
5
5
5
5
–
5
5
5
5
5
5
5
5
–
10
5
10
–
5
5
5
5
5
10
10
10
10
–
10
25
–
–
–
–
–
10
10
10
10
–
10
25
10
10
10
10
10
20
–
–
15
–
–
25
15
15
–
15
15
5
5
5
5
–
–
–
10
15
–
Establishment characteristics
See footnotes at end of table.
Table 36. Traditional defined benefit plans: Early retirement service requirements,1 private
industry workers, National Compensation Survey, 2014—continued
(Includes all workers in traditional defined benefit plans with early retirement coverage and a service requirement)
Early retirement service requirements
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
5
5
5
5
5
5
–
5
10
5
5
5
10
10
10
10
10
–
–
–
–
10
10
–
25
25
25
15
–
–
5
5
5
5
5
5
5
5
5
5
5
5
5
5
–
5
5
5
5
–
5
5
5
5
5
5
10
10
–
10
10
5
10
10
10
10
–
5
–
10
–
10
10
10
–
–
–
15
10
10
–
10
–
25
15
15
15
10
25
25
25
–
–
10
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a reduction for the number of years by
which their retirement age precedes their normal retirement age.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 36. Standard errors for traditional defined benefit plans: Early retirement service
requirements,1 private industry workers, National Compensation Survey, 2014
Early retirement service requirements
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
0.0
0.0
0.0
0.0
2.6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.3
0.0
–
–
0.0
–
–
0.0
0.0
0.0
0.0
0.0
0.9
0.0
0.0
0.0
0.0
0.0
–
0.0
–
0.9
0.0
0.0
2.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
–
0.0
0.0
–
0.0
0.0
0.0
1.8
0.0
–
–
3.8
–
0.0
–
–
–
Full time ...................................................................
Part time ..................................................................
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
3.4
–
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.9
2.4
0.9
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
0.0
0.0
0.0
0.9
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.0
–
0.0
0.0
0.9
–
0.0
4.1
0.0
–
2.7
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
–
1.6
–
4.4
–
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
1.3
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
–
–
–
–
–
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
1.3
0.0
5.8
–
–
0.0
–
–
0.0
2.7
2.0
–
0.0
0.9
0.0
0.0
0.0
0.0
–
–
–
0.0
0.0
–
Establishment characteristics
See footnotes at end of table.
Table 36. Standard errors for traditional defined benefit plans: Early retirement service
requirements,1 private industry workers, National Compensation Survey, 2014—continued
Early retirement service requirements
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
0.0
0.0
0.0
0.0
0.0
0.0
–
1.0
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
0.0
0.0
–
0.0
0.0
3.9
2.9
–
–
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
0.0
0.0
0.0
0.0
0.9
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
–
0.0
–
0.0
1.8
1.8
–
–
–
1.8
2.6
0.0
–
0.0
–
0.0
4.0
4.0
0.0
0.0
7.1
4.3
6.6
–
–
0.0
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a reduction for the number of years by
which their retirement age precedes their normal retirement age.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 37. Traditional defined benefit plans: Early retirement reductions,1 private industry
workers, National Compensation Survey, 2014
(All workers participating in traditional defined benefit plans with early retirement = 100 percent)
Characteristics
Flat percent
per year
reduction2
Reduction
varies by age
or service3
Actuarial
reduction4
Other
reduction5
Not
determinable
Worker characteristics
All workers ...............................................................
39
44
14
–
3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
30
37
27
31
32
20
37
62
42
37
45
45
56
61
54
33
–
–
–
–
11
–
9
–
–
–
–
–
–
–
–
–
5
–
8
2
1
4
(6)
1
61
62
42
32
49
33
32
46
55
38
–
–
–
–
–
–
–
–
–
–
–
1
2
4
–
Full time ...................................................................
Part time ..................................................................
40
34
42
57
15
–
–
–
3
(6)
Union .......................................................................
Nonunion .................................................................
48
29
39
49
–
17
–
–
1
4
Average wage within the following categories7:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
29
43
43
37
60
52
42
40
46
–
–
–
13
–
–
–
–
–
–
(6)
1
1
4
3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
40
60
29
47
34
59
–
–
–
–
–
–
1
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
39
37
–
–
63
69
56
39
35
–
33
39
42
53
64
75
–
–
–
46
49
68
46
33
16
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
3
3
–
7
6
47
42
37
–
–
–
–
–
8
7
Establishment characteristics
See footnotes at end of table.
Table 37. Traditional defined benefit plans: Early retirement reductions,1 private industry
workers, National Compensation Survey, 2014—continued
(All workers participating in traditional defined benefit plans with early retirement = 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 ............................................
Flat percent
per year
reduction2
Reduction
varies by age
or service3
Actuarial
reduction4
Other
reduction5
Not
determinable
48
57
36
36
36
35
37
34
41
47
44
49
–
–
–
15
–
–
–
–
–
–
–
–
1
1
–
3
3
4
46
51
45
41
43
35
36
37
33
32
–
38
41
48
40
43
45
42
49
49
48
43
67
36
12
–
15
–
9
–
–
–
–
–
19
–
–
–
–
–
–
–
–
–
–
–
–
–
(6)
–
1
3
3
4
4
1
12
3
3
3
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Early retirement is the age, length of service, or combination of age and length of service, requirements at which plan participants may retire and
receive all accrued benefits, minus a reduction or penalty.
2 Formerly uniform reduction and reflects a reduction in the benefit amount for each year by which early retirement precedes normal retirement. In
specific cases, flat percent per year reductions may approximate actuarial reductions, such as early retirement at age 55 with a reduction of 6 percent
per year between age 55 and the plan’s normal retirement age of 62.
3 The rate of reduction is held constant within age brackets, but differs among brackets, sometimes in approximation of an actuarial table. For
example, benefits may be reduced by 6 percent for each year between age 60 and the plan’s normal retirement age, and by 3 percent for each year
retirement precedes age 60. Also includes some plans that reduce benefits arithmetically for each year immediately below normal retirement age and
actuarially below a specified age, usually 55.
4 The amount of the normal retirement benefit is reduced based on actuarial assumptions, so that on average, the beneficiary receives the same
total lifetime benefit regardless of retirement age.
5 Reduction not derived from normal retirement formula.
6 Less than 0.5.
7 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 37. Standard errors for traditional defined benefit plans: Early retirement reductions,1
private industry workers, National Compensation Survey, 2014
Characteristics
Flat percent
per year
reduction2
Reduction
varies by age
or service3
Actuarial
reduction4
Other
reduction5
Not
determinable
Worker characteristics
All workers ...............................................................
2.7
2.9
2.8
–
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 ....................
5.4
9.6
6.0
8.9
4.0
5.9
4.9
5.8
6.5
9.7
7.0
12.3
4.1
7.0
5.2
5.3
–
–
–
–
2.8
–
2.7
–
–
–
–
–
–
–
–
–
2.7
–
4.0
1.6
1.2
3.7
(6)
0.5
6.9
8.5
6.5
7.3
8.9
7.2
7.5
6.4
8.7
8.2
–
–
–
–
–
–
–
–
–
–
–
1.0
1.6
3.5
–
Full time ...................................................................
Part time ..................................................................
3.0
5.9
3.2
6.2
3.0
–
–
–
1.2
0.2
Union .......................................................................
Nonunion .................................................................
4.0
3.9
3.8
4.5
–
3.6
–
–
0.8
1.9
Average wage within the following categories7:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
5.2
4.9
4.1
6.6
7.9
7.4
4.9
4.2
7.8
–
–
–
3.2
–
–
–
–
–
–
0.2
1.2
0.9
1.6
1.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.4
7.7
5.2
5.7
8.0
6.8
–
–
–
–
–
–
1.3
–
2.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
3.4
5.4
–
–
14.8
15.3
13.0
9.9
8.2
–
8.9
8.1
3.5
5.5
12.3
5.9
–
–
–
7.9
7.2
11.2
8.7
8.3
3.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.4
–
–
–
–
–
–
3.2
3.4
–
6.7
3.2
10.5
9.7
9.6
–
–
–
–
–
5.3
3.9
Establishment characteristics
See footnotes at end of table.
Table 37. Standard errors for traditional defined benefit plans: Early retirement reductions,1
private industry workers, National Compensation Survey, 2014—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 ............................................
Flat percent
per year
reduction2
Reduction
varies by age
or service3
Actuarial
reduction4
Other
reduction5
Not
determinable
6.6
6.7
9.8
3.6
4.7
4.9
4.5
5.9
6.8
4.1
5.8
5.9
–
–
–
3.6
–
–
–
–
–
–
–
–
0.7
1.3
–
1.4
2.2
1.7
5.9
12.6
6.7
4.8
6.6
5.8
4.0
4.7
7.7
6.0
–
7.6
4.9
11.9
5.3
5.6
6.6
10.6
5.4
6.2
11.4
7.3
8.2
7.4
3.5
–
4.4
–
2.4
–
–
–
–
–
5.4
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
–
0.4
1.8
2.1
4.1
3.1
1.2
9.8
2.1
3.0
2.6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Reduction for each year prior to normal retirement.
Formerly uniform reduction and reflects a reduction in the benefit amount for each year by which early retirement precedes normal retirement. In
specific cases, flat percent per year reductions may approximate actuarial reductions, such as early retirement at age 55 with a reduction of 6 percent
per year between age 55 and the plan’s normal retirement age of 62.
3 The rate of reduction is held constant within age brackets, but differs among brackets, sometimes in approximation of an actuarial table. For
example, benefits may be reduced by 6 percent for each year between age 60 and the plan’s normal retirement age, and by 3 percent for each year
retirement precedes age 60. Also includes some plans that reduce benefits arithmetically for each year immediately below normal retirement age and
actuarially below a specified age, usually 55.
4 The amount of the normal retirement benefit is reduced based on actuarial assumptions, so that on average, the beneficiary receives the same
total lifetime benefit regardless of retirement age.
5 Reduction not derived from normal retirement formula.
6 Less than 0.05.
7 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 38. Traditional defined benefit plans: Disability retirement benefits, private industry workers, National
Compensation Survey, 2014
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
Disability
retirement
available
Disability retirement begins
Immediate1
Disability
retirement not
available
Not
determinable
Deferred
Not
determinable
Worker characteristics
All workers ...............................................................
82
53
29
1
16
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 ....................
77
81
75
93
82
80
82
85
40
30
45
66
55
62
52
71
36
50
29
–
25
–
29
13
1
1
1
–
1
–
1
1
20
19
21
–
15
–
16
15
3
(2)
4
–
3
–
2
(2)
87
83
83
73
91
82
60
48
44
51
–
–
35
–
40
–
–
–
–
–
–
17
16
26
–
–
(2)
1
1
–
Full time ...................................................................
Part time ..................................................................
81
92
50
73
30
–
1
–
17
–
2
–
Union .......................................................................
Nonunion .................................................................
90
74
73
31
17
41
(2)
1
9
24
1
3
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
95
80
84
80
77
73
46
60
48
34
–
34
24
31
42
–
1
1
1
1
–
19
15
18
19
–
1
1
2
4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
81
85
80
57
85
48
24
–
32
–
–
–
19
–
20
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
83
86
85
89
98
–
71
75
73
92
79
74
51
53
–
80
–
–
67
32
27
–
42
56
31
30
–
–
63
–
–
43
46
81
37
17
1
3
18
–
–
–
–
–
–
–
–
1
15
12
–
–
–
–
–
22
23
–
–
21
2
2
–
–
–
3
–
3
3
–
–
5
74
77
–
63
–
–
10
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 38. Traditional defined benefit plans: Disability retirement benefits, private industry workers, National
Compensation Survey, 2014—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 ............................................
Disability
retirement
available
Disability retirement begins
Immediate1
Disability
retirement not
available
Not
determinable
Deferred
Not
determinable
74
73
76
86
86
85
46
46
46
56
68
42
28
–
–
29
17
43
–
–
–
1
1
1
24
25
23
13
13
12
1
2
( )
2
1
3
88
79
90
75
76
71
74
84
81
92
85
90
84
50
56
48
33
37
–
29
66
59
84
72
69
73
36
–
42
42
39
–
44
–
–
–
–
20
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
25
23
–
26
15
18
–
9
–
–
–
–
–
1
1
–
–
1
1
–
5
–
–
2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Immediate disability pensions may be supplemented by additional allowances until an employee reaches a specified age or becomes eligible for Social Security.
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 38. Standard errors for traditional defined benefit plans: Disability retirement benefits, private industry
workers, National Compensation Survey, 2014
Characteristics
Disability
retirement
available
Disability retirement begins
Immediate1
Disability
retirement not
available
Not
determinable
Deferred
Not
determinable
Worker characteristics
All workers ...............................................................
1.8
3.4
3.1
0.5
1.8
0.7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.8
4.0
4.8
3.8
4.0
6.6
4.2
4.0
6.7
7.4
7.3
8.2
4.5
7.1
5.4
5.0
6.1
8.9
5.8
–
3.6
–
3.8
3.7
1.0
0.7
1.3
–
0.7
–
1.0
0.6
3.8
4.0
4.9
–
3.6
–
4.0
4.0
1.6
(2)
2.4
–
1.7
–
1.5
0.1
7.0
3.6
3.3
5.4
3.0
7.5
7.3
6.2
8.4
7.4
–
–
6.1
–
6.8
–
–
–
–
–
–
3.6
3.2
5.3
–
–
0.1
0.5
1.0
–
Full time ...................................................................
Part time ..................................................................
2.1
2.5
3.7
6.5
3.6
–
0.5
–
2.0
–
0.8
–
Union .......................................................................
Nonunion .................................................................
1.8
3.1
4.1
4.2
3.7
4.9
0.2
1.0
1.8
3.1
0.4
1.3
Average wage within the following categories3:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.3
4.6
3.5
2.6
3.9
7.4
5.7
6.0
4.1
6.3
–
6.7
4.8
4.3
7.2
–
0.8
0.4
0.8
1.0
–
4.6
3.5
2.6
3.4
–
0.7
0.7
1.1
2.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.4
7.2
4.4
6.5
7.2
7.0
6.2
–
8.2
–
–
–
3.4
–
4.4
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
2.5
2.6
9.6
3.2
2.1
–
10.7
6.7
6.4
4.9
8.3
6.5
4.1
5.7
–
4.5
–
–
10.7
8.4
5.9
–
9.2
9.4
3.7
5.5
–
–
12.6
–
–
6.5
6.1
9.5
8.0
5.0
0.7
1.9
11.8
–
–
–
–
–
–
–
–
0.2
2.4
2.6
–
–
–
–
–
6.1
5.8
–
–
6.0
1.0
0.8
–
–
–
1.9
–
3.1
3.3
–
–
3.9
6.7
7.3
–
9.9
–
–
2.2
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 38. Standard errors for traditional defined benefit plans: Disability retirement benefits, private industry
workers, National Compensation Survey, 2014—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 ............................................
Disability
retirement
available
Disability retirement begins
Immediate1
Deferred
Not
determinable
Disability
retirement not
available
Not
determinable
5.3
7.3
5.8
1.8
2.9
2.7
5.6
7.5
9.6
4.0
4.8
5.8
5.9
–
–
3.7
3.3
5.6
–
–
–
0.7
1.2
0.3
5.2
7.1
5.7
1.8
2.8
2.7
0.9
1.5
0.4
1.0
0.5
2.0
3.6
10.9
3.0
2.9
3.1
10.6
5.9
4.2
5.1
4.8
3.2
4.7
4.1
7.4
13.5
9.0
5.5
7.6
–
8.3
7.1
8.9
3.6
5.8
6.4
7.2
7.1
–
8.9
6.0
8.6
–
8.7
–
–
–
–
4.7
–
1.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.9
3.1
–
5.9
4.2
5.1
–
2.5
–
–
–
–
–
0.3
0.5
–
–
0.9
1.2
–
3.5
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Immediate disability pensions may be supplemented by additional allowances until an employee reaches a specified age or becomes eligible for Social Security.
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and
below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for
Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 39. Traditional defined benefit plans: Postretirement survivor benefits,
private industry workers, National Compensation Survey, 2014
(All workers participating in traditional defined benefit plans = 100 percent)
Characteristics
Joint-andsurvivor
annuity1
Selected joint-and-survivor annuity
percentages
Other fixed
percentage
50 percent
Choice of
percentages
Worker characteristics
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
100
100
100
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
83
81
84
79
89
87
90
91
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
94
88
68
84
56
Full time ...................................................................
Part time ..................................................................
100
100
–
–
–
–
82
85
Union .......................................................................
Nonunion .................................................................
100
100
–
–
–
–
81
83
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
99
77
87
78
79
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
–
–
–
–
–
–
87
95
80
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
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
–
–
–
–
51
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
80
74
60
100
–
91
98
69
67
–
70
92
100
100
–
–
–
–
–
94
Establishment characteristics
See footnotes at end of table.
Table 39. Traditional defined benefit plans: Postretirement survivor benefits,
private industry workers, National Compensation Survey, 2014—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
Selected joint-and-survivor annuity
percentages
50 percent
Other fixed
percentage
Choice of
percentages
100
100
100
100
100
100
16
–
–
–
–
–
–
–
–
–
–
–
84
80
89
82
84
78
100
100
100
100
100
100
100
100
100
100
100
100
100
24
–
25
19
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
76
80
75
81
81
63
87
84
84
86
89
74
94
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
See glossary for additional information.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 39. Standard errors for traditional defined benefit plans: Postretirement
survivor benefits, private industry workers, National Compensation Survey, 2014
Characteristics
Joint-andsurvivor
annuity1
Selected joint-and-survivor annuity
percentages
Other fixed
percentage
50 percent
Choice of
percentages
Worker characteristics
All workers ...............................................................
0.0
–
–
2.6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.8
9.8
4.8
10.1
2.2
4.7
2.0
3.6
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
4.5
5.2
6.1
7.2
8.1
Full time ...................................................................
Part time ..................................................................
0.0
0.0
–
–
–
–
2.9
5.8
Union .......................................................................
Nonunion .................................................................
0.0
0.0
–
–
–
–
3.5
3.2
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
0.6
5.3
3.1
4.0
6.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
–
–
–
–
–
–
3.6
4.6
5.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities
Health care and social assistance ...................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
11.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.4
5.7
14.9
0.0
–
5.8
1.4
5.8
6.1
–
10.9
3.5
0.0
0.0
–
–
–
–
–
3.8
Establishment characteristics
See footnotes at end of table.
Table 39. Standard errors for traditional defined benefit plans: Postretirement
survivor benefits, private industry workers, National Compensation Survey,
2014—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 ............................................
Joint-andsurvivor
annuity1
Selected joint-and-survivor annuity
percentages
50 percent
Other fixed
percentage
Choice of
percentages
0.0
0.0
0.0
0.0
0.0
0.0
4.4
–
–
–
–
–
–
–
–
–
–
–
4.4
6.4
6.2
3.3
4.2
4.9
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
4.4
–
5.1
4.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.4
8.0
5.1
4.7
6.0
15.2
6.8
6.0
7.5
9.7
5.3
19.1
3.8
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
See glossary for additional information.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 40. Defined contribution plans: Type of plan,1 private industry workers, National
Compensation Survey, 2014
(All workers participating in defined contribution plans = 100 percent)
Characteristics
Savings and
thrift
Deferred
profit
sharing
Money
purchase
pension
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Worker characteristics
All workers ...............................................................
75
18
17
4
–
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 ....................
79
84
75
60
78
80
77
60
14
14
14
30
20
17
22
19
21
17
24
23
11
6
14
20
–
2
–
–
6
–
6
7
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
48
65
76
74
79
14
21
20
20
21
34
13
12
13
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
76
67
18
20
17
14
4
7
–
–
2
–
Union .......................................................................
Nonunion .................................................................
64
76
10
19
29
16
8
4
–
–
–
2
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
70
73
75
73
78
79
23
27
20
21
15
14
9
–
14
16
22
25
8
–
–
3
3
–
–
–
–
–
–
–
–
–
–
2
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
77
50
83
15
18
15
17
25
15
–
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
74
79
78
79
80
97
71
83
86
88
84
81
85
61
54
35
63
19
22
27
21
–
–
13
19
18
21
13
19
17
–
–
–
–
17
9
–
–
–
–
–
17
17
17
–
7
–
36
61
78
32
4
7
–
11
–
–
–
4
4
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 40. Defined contribution plans: Type of plan,1 private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in defined contribution plans = 100 percent)
Characteristics
Savings and
thrift
Deferred
profit
sharing
Money
purchase
pension
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Leisure and hospitality .........................................
Other services ......................................................
83
55
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
68
66
71
80
81
79
25
27
20
14
17
10
11
9
14
22
14
31
6
–
–
3
4
–
–
–
–
–
–
–
5
5
–
–
–
–
74
71
75
77
76
72
82
70
69
74
78
74
80
18
–
16
15
18
8
13
24
25
22
–
–
–
16
16
17
17
18
–
11
18
20
15
16
–
21
–
–
–
5
–
–
–
–
–
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Sum of individual items may be greater than total because multiple plans are available to some employees.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 40. Standard errors for defined contribution plans: Type of plan, private industry workers,
National Compensation Survey, 2014
Characteristics
Savings and
thrift
Deferred
profit
sharing
Money
purchase
pension
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Worker characteristics
All workers ...............................................................
1.6
1.6
1.3
0.8
–
0.4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.4
2.3
3.1
5.8
2.1
2.2
2.8
3.7
1.9
2.0
2.7
5.8
2.3
2.4
3.3
3.7
2.1
2.5
2.8
3.7
1.4
1.6
1.9
2.9
–
0.7
–
–
1.1
–
1.3
2.1
–
–
–
–
–
–
–
–
–
–
–
–
0.5
–
–
–
8.1
4.5
3.6
4.1
4.0
4.0
5.1
3.0
4.0
3.8
7.0
3.1
3.2
2.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.8
4.7
1.7
3.9
1.5
2.3
0.8
1.8
–
–
0.4
–
Union .......................................................................
Nonunion .................................................................
3.9
1.8
2.9
1.7
4.0
1.4
2.4
0.8
–
–
–
0.4
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.5
8.7
2.1
3.0
2.1
3.1
3.6
5.7
2.2
3.0
1.8
2.2
2.1
–
2.2
2.1
1.8
2.9
2.4
–
–
0.8
1.0
–
–
–
–
–
–
–
–
–
–
0.7
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.3
5.6
2.6
2.8
4.6
2.9
2.4
5.0
2.8
–
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.0
2.0
4.5
2.3
4.3
1.2
6.7
2.0
1.6
1.8
3.9
5.6
6.4
4.8
8.1
3.8
5.7
1.9
2.6
5.6
4.8
–
–
3.3
2.2
2.1
3.1
3.3
4.2
4.9
–
–
–
–
1.6
2.4
–
–
–
–
–
2.7
2.7
3.3
–
1.8
–
5.1
10.8
4.6
5.8
0.9
2.0
–
2.2
–
–
–
0.8
0.9
1.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 40. Standard errors for defined contribution plans: Type of plan, private industry workers,
National Compensation Survey, 2014—continued
Characteristics
Savings and
thrift
Deferred
profit
sharing
Money
purchase
pension
Employee
stock
ownership
Simplified
employee
pension
(SEP)
Savings
incentive
match plan
(SIMPLE)
Leisure and hospitality .........................................
Other services ......................................................
7.6
9.8
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.5
2.9
4.9
1.9
2.7
3.1
2.9
3.9
3.7
1.5
2.3
1.6
1.7
1.6
3.9
1.7
1.6
3.5
1.6
–
–
0.6
1.0
–
–
–
–
–
–
–
1.0
1.2
–
–
–
–
2.8
9.2
1.9
2.4
2.1
11.8
2.0
4.1
4.5
7.9
4.0
7.3
4.4
3.9
–
3.4
0.9
1.4
0.9
1.7
3.2
4.3
4.0
–
–
–
1.9
2.9
2.1
2.7
2.8
–
2.8
2.5
3.1
3.6
3.0
–
3.7
–
–
–
1.3
–
–
–
–
–
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both
above and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 41. Deferred profit-sharing plans: Method of employee contribution, private industry workers, National
Compensation Survey, 2014
(All workers participating in deferred profit sharing plans = 100 percent)
Characteristics
Employee
contributions
allowed1
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax2 employee
contributions allowed
Yes
Not
determinable
No
Employee
contributions
not allowed
Not
determinable
Worker characteristics
All workers ...............................................................
24
24
–
–
–
15
–
75
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
28
20
34
–
–
–
–
–
–
–
–
–
28
20
34
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
3
3
(3)
1
1
3
( )
4
5
5
1
9
72
80
66
75
77
68
80
83
83
76
74
79
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
22
–
22
–
–
–
–
–
–
–
12
–
–
1
77
60
1
–
Nonunion .................................................................
25
25
–
–
8
15
2
74
1
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
19
29
37
–
–
19
29
37
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(3)
1
5
1
1
67
78
81
71
63
–
–
(3)
–
–
Goods-producing industries .....................................
–
–
–
–
–
–
–
92
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
27
–
27
–
–
–
–
–
–
–
17
–
–
5
72
75
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 ............................................
25
30
–
22
26
–
25
30
–
22
26
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
13
16
–
–
–
–
–
–
3
1
1
–
74
69
90
78
74
87
1
1
–
–
–
–
40
27
28
–
29
–
–
–
–
40
27
28
–
28
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
18
–
–
–
–
–
–
–
7
–
1
1
3
(3)
1
2
4
57
69
72
70
71
86
81
82
71
2
4
–
–
–
–
–
–
–
Establishment characteristics
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
1
2
3
4
Sum of workers with pre-tax and post-tax contributions may be greater than total because both methods of contribution are available to some employees.
Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free.
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 41. Standard errors for deferred profit-sharing plans: Method of employee contribution, private industry workers,
National Compensation Survey, 2014
Characteristics
Employee
contributions
allowed
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax1 employee
contributions allowed
Yes
Not
determinable
No
Employee
contributions
not allowed
Not
determinable
Worker characteristics
All workers ...............................................................
4.4
4.4
–
–
–
3.5
–
4.5
0.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
6.4
5.1
9.6
–
–
–
–
–
–
–
–
–
6.4
5.1
9.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.6
1.8
2.3
0.1
0.4
0.9
0.3
2.7
3.6
3.6
0.9
7.3
6.4
5.1
9.6
11.1
7.2
12.8
7.3
5.3
6.7
8.3
11.2
9.5
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
4.5
–
4.5
–
–
–
–
–
–
–
3.1
–
–
0.7
4.6
11.7
0.4
–
Nonunion .................................................................
4.6
4.6
–
–
2.2
3.6
0.9
4.7
0.5
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
5.1
6.4
9.7
–
–
5.1
6.4
9.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
0.4
2.5
0.7
0.7
9.3
7.5
5.1
6.4
9.7
–
–
0.1
–
–
Goods-producing industries .....................................
–
–
–
–
–
–
–
3.3
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
5.1
–
5.1
–
–
–
–
–
–
–
4.1
–
–
2.6
5.3
8.3
0.6
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
5.7
7.1
–
6.1
7.6
–
5.7
7.1
–
6.1
7.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.6
4.5
–
–
–
–
–
–
3.0
0.6
0.8
–
5.9
7.4
4.3
6.1
7.6
6.8
0.9
1.2
–
–
–
–
9.6
6.9
8.0
–
7.0
–
–
–
–
9.6
6.9
8.0
–
7.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.5
–
–
–
–
–
–
–
3.5
–
0.8
0.6
2.7
0.4
0.6
1.9
3.0
10.0
9.5
8.0
12.1
7.0
6.7
9.2
10.2
14.3
2.2
3.1
–
–
–
–
–
–
–
Establishment characteristics
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
1
2
Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 42. Deferred profit-sharing plans: Selected features, private
industry workers, National Compensation Survey, 2014
(All workers participating in deferred profit-sharing plans = 100 percent)
Employer contribution
Characteristics
Based on
Not based on
predetermined predetermined
formula
formula
Not
determinable
Worker characteristics
All workers ...............................................................
21
79
(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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
17
27
–
–
19
–
15
–
–
32
–
43
83
73
89
85
81
69
85
75
69
68
77
57
–
–
–
–
1
( )
–
(1)
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
21
–
79
79
(1)
–
Nonunion .................................................................
20
80
(1)
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
25
23
–
74
90
75
77
72
–
–
(1)
–
–
Goods-producing industries .....................................
–
70
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
19
31
81
69
(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 ............................................
24
20
36
17
–
–
76
80
64
83
88
72
(1)
(1)
–
–
–
–
–
–
–
–
–
–
–
–
36
80
78
76
82
53
82
84
78
64
–
–
–
–
–
–
–
–
–
Establishment characteristics
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
may include workers with earnings both above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
Table 42. Standard errors for deferred profit-sharing plans: Selected
features, private industry workers, National Compensation Survey, 2014
Employer contribution
Characteristics
Based on
Not based on
predetermined predetermined
formula
formula
Not
determinable
Worker characteristics
All workers ...............................................................
3.8
3.8
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
4.7
7.9
–
–
5.3
–
4.0
–
–
8.0
–
11.5
4.7
7.9
3.9
8.3
5.3
13.4
4.1
8.6
10.3
8.0
8.3
11.5
–
–
–
–
0.2
–
0.3
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.9
–
3.9
7.0
0.1
–
Nonunion .................................................................
3.6
3.6
0.1
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
5.4
5.5
–
10.4
3.2
5.4
5.5
9.2
–
–
0.2
–
–
Goods-producing industries .....................................
–
9.3
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
4.0
7.6
4.0
7.6
0.1
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.8
4.9
10.4
4.9
–
–
4.8
4.9
10.4
4.9
4.2
10.4
0.1
0.2
–
–
–
–
–
–
–
–
–
–
–
–
6.9
6.2
7.4
8.6
11.6
14.3
6.7
7.4
8.5
6.9
–
–
–
–
–
–
–
–
–
Establishment characteristics
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which
may include workers with earnings both above and below the threshold. The categories were formed using percentile
estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
Table 43. Money purchase pension plans: Method of employee contribution, private industry workers, National
Compensation Survey, 2014
(All workers participating in money purchase pension plans = 100 percent)
Characteristics
Employee
contributions
allowed1
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax2 employee
contributions allowed
Yes
Not
determinable
No
Employee
contributions
not allowed
Not
determinable
Worker characteristics
All workers ...............................................................
22
22
–
–
9
12
1
77
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 ...............................................................
Installation, maintenance, and repair ...................
25
19
28
–
–
–
37
25
19
28
–
–
–
35
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
14
–
16
–
–
–
24
–
(3)
–
(3)
1
1
–
75
81
72
74
81
83
63
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(3)
2
66
60
–
–
Full time ...................................................................
Part time ..................................................................
22
–
22
–
–
–
–
–
9
–
12
–
1
–
77
74
1
–
Union .......................................................................
Nonunion .................................................................
30
21
30
20
–
–
–
–
–
10
–
11
2
(3)
70
78
–
1
Average wage within the following categories4:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
19
25
21
24
–
–
24
21
24
–
–
–
–
–
–
–
–
–
–
–
–
–
8
–
–
–
11
13
12
–
1
–
1
–
74
81
71
78
76
–
–
4
(3)
–
Goods-producing industries .....................................
–
–
–
–
–
–
–
85
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
24
–
–
–
31
61
58
–
23
–
–
–
31
61
58
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11
–
–
–
–
13
16
–
13
–
–
–
18
43
39
–
1
–
–
–
–
6
3
–
74
82
92
96
69
39
42
80
1
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
36
19
18
19
17
33
–
18
19
17
–
–
–
–
–
–
–
–
–
–
–
–
4
–
–
–
–
13
–
13
–
–
1
1
–
59
74
82
81
83
5
8
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 43. Money purchase pension plans: Method of employee contribution, private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in money purchase pension plans = 100 percent)
Characteristics
Employee
contributions
allowed1
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax2 employee
contributions allowed
Yes
Not
determinable
No
Employee
contributions
not allowed
Not
determinable
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
44
42
–
–
–
–
14
–
–
44
41
–
–
–
–
12
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
35
35
–
–
–
5
–
–
–
–
–
–
–
–
–
2
1
1
50
52
83
75
95
78
86
91
91
6
6
–
–
–
–
–
–
–
1
2
3
4
Sum of workers with pre-tax and post-tax contributions may be greater than total because both methods of contribution are available to some employees.
Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free.
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 43. Standard errors for money purchase pension plans: Method of employee contribution, private industry workers,
National Compensation Survey, 2014
Characteristics
Employee
contributions
allowed
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax1 employee
contributions allowed
Yes
Not
determinable
No
Employee
contributions
not allowed
Not
determinable
Worker characteristics
All workers ...............................................................
3.2
3.3
–
–
2.6
2.2
0.4
3.4
0.8
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
4.2
4.5
5.4
–
–
–
8.6
4.2
4.5
5.4
–
–
–
8.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.9
–
3.7
–
–
–
6.9
–
0.1
–
0.1
0.5
0.6
–
4.2
4.5
5.4
8.1
5.4
4.7
8.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
1.7
11.4
13.1
–
–
Full time ...................................................................
Part time ..................................................................
3.3
–
3.3
–
–
–
–
–
2.6
–
2.3
–
0.4
–
3.4
8.2
0.9
–
Union .......................................................................
Nonunion .................................................................
7.7
3.5
7.7
3.5
–
–
–
–
–
3.0
–
2.1
1.6
0.3
7.7
3.6
–
0.9
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
5.6
5.3
3.7
5.2
–
–
5.2
3.7
5.2
–
–
–
–
–
–
–
–
–
–
–
–
–
2.3
–
–
–
2.8
2.6
3.1
–
0.5
–
0.5
–
10.1
5.6
5.9
3.6
5.2
–
–
2.8
0.1
–
Goods-producing industries .....................................
–
–
–
–
–
–
–
5.9
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.8
–
–
–
6.5
5.8
5.9
–
3.9
–
–
–
6.5
5.8
5.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.2
–
–
–
–
3.6
4.7
–
2.6
–
–
–
4.3
5.5
5.7
–
0.5
–
–
–
–
3.4
1.9
–
4.0
6.7
6.2
2.3
6.5
5.8
5.9
8.2
1.0
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
8.1
5.6
3.1
4.9
4.1
8.1
–
3.1
4.9
4.1
–
–
–
–
–
–
–
–
–
–
–
–
1.1
–
–
–
–
2.8
–
3.7
–
–
0.5
1.3
–
8.2
7.5
3.1
4.9
4.1
3.3
5.2
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 43. Standard errors for money purchase pension plans: Method of employee contribution, private industry workers,
National Compensation Survey, 2014—continued
Characteristics
Employee
contributions
allowed
Pre-tax employee contributions
allowed
Yes
Not
determinable
No
Post-tax1 employee
contributions allowed
Yes
No
Not
determinable
Employee
contributions
not allowed
Not
determinable
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Pacific ..................................................................
6.7
7.5
–
–
–
–
3.8
–
–
6.8
7.6
–
–
–
–
3.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6.3
7.9
–
–
–
1.5
–
–
–
–
–
–
–
–
–
1.9
0.9
1.1
7.3
8.5
5.4
7.9
2.1
6.5
3.8
4.3
4.9
1
2
3.9
5.1
–
–
–
–
–
–
–
Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 44. Money purchase pension plans: Employer contributions, private industry workers, National
Compensation Survey, 2014
(All workers participating in money purchase pension plans = 100 percent)
Fixed percent of earnings
Characteristics
Fixed percent
of earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other
Not
determinable
Worker characteristics
All workers ...............................................................
66
–
2.00
3.00
5.00
8.00
34
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
64
60
66
78
63
60
50
2.00
–
2.00
2.00
–
–
1.00
–
3.00
2.00
–
2.00
2.00
–
3.00
–
3.00
3.00
3.00
3.00
3.00
6.00
7.00
5.00
–
4.00
4.00
–
8.00
10.00
8.00
–
6.00
6.00
8.00
36
40
34
22
37
40
50
–
–
–
–
–
–
–
–
87
76
76
–
–
–
–
–
2.00
–
–
–
3.00
3.00
3.00
–
–
4.00
4.00
–
5.00
–
4.00
79
–
24
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
65
77
–
2.00
2.00
3.00
3.00
–
5.00
–
8.00
12.00
35
23
–
–
Union .......................................................................
Nonunion .................................................................
58
67
1.00
2.00
–
–
–
3.00
–
5.00
12.00
7.00
42
33
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
79
76
71
58
61
2.00
–
–
2.00
2.00
3.00
2.50
2.00
–
–
–
3.00
3.00
3.00
3.00
–
4.00
4.00
6.00
6.00
12.00
5.00
6.50
9.50
10.00
–
24
29
42
39
–
–
–
–
–
Goods-producing industries .....................................
57
–
–
–
–
6.00
43
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
68
70
47
45
68
67
67
69
2.00
–
2.00
2.00
–
–
–
–
2.00
2.00
3.00
3.00
2.00
5.00
5.00
2.00
3.00
3.00
–
–
3.00
7.00
7.00
–
5.00
3.50
5.00
5.00
5.00
9.50
–
3.00
8.00
5.00
6.00
6.00
8.00
10.00
10.00
–
32
–
53
55
32
33
33
31
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
69
58
65
69
62
–
–
–
–
–
3.00
–
2.00
3.00
2.00
3.00
3.00
3.00
–
3.00
3.00
–
6.00
6.00
–
5.00
5.00
9.00
–
9.00
31
42
35
31
38
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 44. Money purchase pension plans: Employer contributions, private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in money purchase pension plans = 100 percent)
Fixed percent of earnings
Characteristics
Fixed percent
of earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other
Not
determinable
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
48
54
77
78
67
68
61
87
60
54
–
–
–
–
–
–
–
–
2.00
–
–
–
2.00
–
3.00
–
–
3.00
–
–
–
3.00
3.00
3.00
4.00
3.00
3.00
–
–
–
7.00
6.00
–
5.00
–
4.00
–
4.00
6.00
5.00
9.50
8.00
–
–
10.00
8.00
8.00
–
6.50
6.00
52
46
23
22
–
32
39
–
40
46
–
–
–
–
–
–
–
–
–
–
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
Table 44. Standard errors for money purchase pension plans: Employer contributions, private industry workers,
National Compensation Survey, 2014
Fixed percent of earnings
Characteristics
Fixed percent
of earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other
Not
determinable
Worker characteristics
All workers ...............................................................
3.4
–
0.45
0.00
0.47
0.98
3.4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
4.0
6.1
5.4
5.8
6.2
7.1
8.7
0.00
–
0.45
0.00
–
–
0.00
–
0.00
0.25
–
0.55
0.39
–
0.00
–
0.00
0.41
0.00
0.10
0.68
1.32
1.92
0.47
–
1.14
0.62
–
1.78
0.91
0.85
–
0.38
1.40
2.25
4.0
6.1
5.4
5.8
6.2
7.1
8.7
–
–
–
–
–
–
–
–
6.0
5.2
9.0
–
–
–
–
–
0.00
–
–
–
0.52
0.16
0.80
–
–
0.46
0.30
–
1.31
–
0.81
9.1
–
5.2
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.7
5.5
–
0.00
0.33
0.36
0.00
–
0.59
–
0.93
0.36
3.7
5.5
–
–
Union .......................................................................
Nonunion .................................................................
8.2
3.6
0.00
0.30
–
–
–
0.00
–
0.69
0.00
1.41
8.2
3.6
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8.4
4.8
5.0
4.2
5.0
0.39
–
–
0.00
0.00
0.79
0.71
0.00
–
–
–
0.00
0.07
0.35
0.63
–
0.30
0.76
1.20
0.52
0.00
0.75
1.12
1.66
0.84
–
4.8
5.0
4.2
5.0
–
–
–
–
–
Goods-producing industries .....................................
6.3
–
–
–
–
0.63
6.3
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.9
10.0
8.7
7.5
5.3
4.8
4.1
7.0
0.32
–
0.26
0.00
–
–
–
–
0.36
0.00
0.18
0.80
0.00
0.71
0.00
0.00
0.00
0.41
–
–
0.22
1.18
0.80
–
0.41
0.30
0.55
1.18
0.78
1.03
–
0.45
2.01
1.32
0.00
0.73
1.11
0.00
0.00
–
3.9
–
8.7
7.5
5.3
4.8
4.1
7.0
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
6.3
8.6
3.9
5.8
5.7
–
–
–
–
–
0.58
–
0.14
0.18
0.00
0.00
0.00
0.68
–
0.74
0.62
–
1.25
1.21
–
1.19
0.00
1.76
–
1.51
6.3
8.6
3.9
5.8
5.7
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 44. Standard errors for money purchase pension plans: Employer contributions, private industry workers,
National Compensation Survey, 2014—continued
Fixed percent of earnings
Characteristics
Fixed percent
of earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Other
Not
determinable
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Pacific ..................................................................
10.1
12.9
4.4
5.8
10.7
4.7
5.8
5.9
8.4
9.4
–
–
–
–
–
–
–
–
0.18
–
–
–
0.00
–
0.73
–
–
0.00
–
–
–
0.54
0.29
0.41
0.88
0.16
0.00
–
–
–
1.43
0.71
–
1.05
–
0.89
–
1.03
1.46
1.33
1.02
2.21
–
–
2.46
1.87
2.03
–
1.43
0.47
10.1
12.9
4.4
5.8
–
4.7
5.8
–
8.4
9.4
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2014."
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/glossary20142015.htm.
–
–
–
–
–
–
–
–
–
–
Table 45. Savings and thrift plans: Summary of provisions,1 private industry workers,
National Compensation Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristics
All workers ...............................................................
100
50
41
88
83
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
99
100
100
100
100
57
59
56
27
45
36
49
45
47
46
48
20
37
29
41
32
88
86
90
82
88
90
87
83
81
82
81
–
84
87
83
–
100
100
100
100
100
–
46
51
54
48
–
33
43
40
47
–
85
93
92
93
–
84
89
91
88
Full time ...................................................................
Part time ..................................................................
100
99
50
48
42
28
88
89
84
–
Union .......................................................................
Nonunion .................................................................
100
100
54
49
34
41
90
88
86
83
Average wage within the following categories4:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
34
38
38
47
61
69
20
–
38
42
46
50
89
81
85
89
89
91
85
–
82
84
82
86
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
56
31
59
45
11
50
89
87
89
85
–
87
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
99
48
40
30
34
60
–
63
72
74
68
72
58
57
34
43
52
32
39
35
35
23
53
57
40
40
42
36
57
56
65
33
–
30
37
88
92
91
90
100
–
89
–
96
94
99
93
91
–
85
98
–
82
88
87
87
94
–
87
89
89
89
86
90
91
–
84
98
–
Establishment characteristics
See footnotes at end of table.
Table 45. Savings and thrift plans: Summary of provisions,1 private industry workers,
National Compensation Survey, 2014—continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
100
100
100
100
100
100
43
46
37
53
47
62
36
34
41
43
38
50
87
86
89
89
89
89
80
79
82
85
84
86
100
99
100
100
100
100
100
100
100
100
100
100
100
46
61
41
54
53
45
58
44
41
50
53
50
54
29
26
30
46
44
36
51
42
46
33
43
41
43
83
88
81
91
93
91
90
86
89
80
90
87
91
–
–
–
89
92
88
84
80
85
–
86
85
86
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit could not be
determined.
2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free.
3 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee
opts out of the plan.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 45. Standard errors for savings and thrift plans: Summary of provisions,1 private
industry workers, National Compensation Survey, 2014
Characteristics
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
Worker characteristics
All workers ...............................................................
0.1
2.1
2.0
1.5
1.9
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.1
(4)
0.1
0.4
0.0
0.0
(4)
(4)
2.9
4.6
3.4
3.9
2.6
3.2
3.3
5.5
3.5
4.0
3.9
3.8
2.9
2.9
3.5
3.9
2.2
4.3
2.0
5.1
2.0
2.7
2.6
3.3
3.1
4.3
3.7
–
2.0
2.8
2.8
–
0.0
(4)
(4)
(4)
0.0
–
5.1
3.7
4.3
6.7
–
4.1
4.0
4.5
6.8
–
3.3
1.3
1.7
1.7
–
3.4
1.9
1.9
3.4
Full time ...................................................................
Part time ..................................................................
(4)
0.4
2.3
4.9
2.1
4.0
1.6
2.2
1.9
–
Union .......................................................................
Nonunion .................................................................
(4)
0.1
4.5
2.2
6.0
2.1
2.6
1.6
3.4
2.0
Average wage within the following categories5:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.1
0.5
0.1
(4)
(4)
(4)
3.6
9.2
2.8
2.9
2.7
3.3
3.0
–
3.4
2.6
3.2
4.2
3.5
11.5
2.5
1.9
1.6
1.9
4.4
–
2.7
2.2
2.5
2.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(4)
0.0
(4)
3.3
8.7
3.9
3.2
3.0
3.6
2.0
4.5
2.2
2.1
–
2.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.1
0.0
0.0
0.0
0.0
(4)
0.0
0.0
(4)
0.0
0.0
(4)
(4)
0.3
0.0
0.0
0.4
2.6
3.6
4.4
4.6
9.8
–
6.3
2.7
2.9
3.9
4.2
6.1
8.0
4.9
7.7
8.5
5.5
2.4
3.0
4.0
3.2
8.8
8.9
6.7
3.0
3.3
5.3
5.5
6.3
7.6
6.7
–
6.9
7.9
1.8
1.2
2.4
2.2
0.3
–
4.3
–
1.0
1.4
0.5
2.8
4.0
–
6.7
2.0
–
2.4
1.6
3.5
2.8
3.5
–
4.4
2.0
2.0
2.3
4.1
3.6
4.0
–
6.7
2.0
–
Establishment characteristics
See footnotes at end of table.
Table 45. Standard errors for savings and thrift plans: Summary of provisions,1 private
industry workers, National Compensation Survey, 2014—continued
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Pre-tax
contribution
Post-tax
contribution2
Automatic
enrollment
provision3
Employee
choice of
investment
for employee
funds
Employee
choice of
investment
for employer
funds
0.0
0.0
0.0
0.1
0.2
0.0
3.7
4.3
5.2
2.5
3.9
3.2
2.9
3.4
5.0
2.7
3.9
3.4
1.7
2.2
3.2
2.2
3.4
2.0
2.5
3.2
4.1
2.4
3.7
2.1
0.3
1.0
0.1
(4)
(4)
0.0
0.0
(4)
0.0
(4)
(4)
0.0
(4)
5.8
8.9
6.4
2.7
3.0
6.3
6.0
3.8
5.4
4.4
5.3
6.4
7.2
3.6
6.5
4.3
3.6
3.8
9.2
7.9
2.8
3.4
4.2
5.1
11.8
5.0
5.0
4.2
6.3
1.8
2.1
5.2
3.5
2.8
2.8
5.7
2.3
5.5
2.3
–
–
–
2.3
2.1
5.8
5.5
3.5
3.0
–
3.3
6.4
3.8
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit could not be
determined.
2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free.
3 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee
opts out of the plan.
4 Less than 0.05.
5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 46. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
With automatic enrollment
Characteristics
Automatic
enrollment
available
Default contribution as percent of earnings
Default
Default
Other
contribution
contribution
50th
default
as percent
10th
25th
75th
90th
not
percentile
contribution2
of earnings percentile percentile
percentile percentile
determinable
(median)
No automatic
enrollment
available
Not
determinable
Worker characteristics
All workers ...............................................................
41
36
2.0
–
3.0
4.0
6.0
–
–
52
7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
47
46
48
20
37
29
41
32
33
43
40
47
43
40
45
20
32
25
35
24
27
41
36
47
2.0
2.0
2.0
–
2.0
2.0
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
3.0
3.0
3.0
3.0
3.0
3.0
3.0
3.0
–
3.0
4.0
4.0
–
4.0
4.0
4.0
4.0
4.0
4.0
4.0
6.0
–
6.0
6.0
5.0
4.0
6.0
–
6.0
–
–
6.0
6.0
4.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
( )
5
4
5
–
–
–
–
–
47
49
46
68
56
67
50
55
57
51
51
51
5
5
6
12
7
4
9
13
10
6
9
2
Full time ...................................................................
Part time ..................................................................
42
28
37
28
2.0
–
–
3.0
3.0
3.0
4.0
–
6.0
4.0
–
–
–
(3)
51
64
7
8
Union .......................................................................
Nonunion .................................................................
34
41
33
37
–
2.0
3.0
–
3.0
3.0
5.0
4.0
6.0
6.0
–
–
–
–
51
53
15
6
Average wage within the following categories4:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
20
–
38
42
46
50
19
–
34
37
41
44
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
4.0
–
4.0
4.0
4.0
4.0
4.0
–
–
6.0
6.0
6.0
–
–
–
–
–
–
(3)
–
–
–
–
–
76
78
55
49
48
45
4
–
7
9
6
5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
45
11
50
39
–
43
2.0
–
2.0
3.0
–
–
3.0
–
3.0
5.0
–
6.0
6.0
–
6.0
–
–
–
–
1
–
44
73
39
11
16
11
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
39
35
35
23
53
57
40
40
42
36
57
56
65
33
–
30
37
36
33
32
21
53
57
32
37
39
36
51
50
58
28
–
30
31
2.0
2.0
2.0
2.0
–
3.0
–
2.0
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
2.0
2.0
2.0
–
–
2.0
3.0
3.0
3.0
3.0
3.0
3.0
–
3.0
3.0
3.0
–
3.0
–
3.0
–
3.0
3.0
–
4.0
–
4.0
4.0
3.0
3.0
5.0
6.0
–
6.0
–
–
3.0
–
–
3.0
–
–
6.0
4.0
5.0
–
3.0
6.0
6.0
6.0
6.0
–
4.0
4.0
–
5.0
4.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
2
3
2
–
–
7
3
3
1
6
6
7
5
–
–
6
55
61
63
71
46
35
55
57
55
59
42
38
25
59
75
70
56
6
4
2
6
1
8
6
3
3
4
1
6
10
8
–
–
7
Establishment characteristics
See footnotes at end of table.
Table 46. Savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2014—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 ............................................
Automatic
enrollment
available
Default contribution as percent of earnings
Default
Default
Other
contribution
contribution
50th
default
as percent
10th
25th
75th
90th
not
percentile
contribution2
of earnings percentile percentile
percentile percentile
determinable
(median)
No automatic
enrollment
available
Not
determinable
36
34
41
43
38
50
29
26
36
41
35
48
2.0
2.0
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
4.0
4.0
3.0
4.0
–
–
–
6.0
4.0
6.0
–
6.0
–
–
–
–
–
–
–
–
–
–
–
2
57
59
52
50
55
43
7
7
7
7
6
8
29
26
30
46
44
36
51
42
46
33
43
41
43
25
22
26
42
43
31
45
37
41
29
37
33
39
–
–
–
2.0
2.0
2.0
2.0
2.0
3.0
–
2.0
2.0
2.0
3.0
3.0
–
–
2.0
–
3.0
3.0
3.0
2.0
–
–
–
3.0
–
3.0
3.0
3.0
3.0
3.0
–
4.0
–
3.0
3.0
3.0
–
6.0
–
3.0
3.0
–
4.0
4.0
–
4.0
–
–
3.0
6.0
6.0
6.0
–
4.0
–
6.0
6.0
6.0
5.0
–
6.0
4.0
–
–
–
–
–
–
–
–
–
–
–
–
–
4
4
4
–
1
–
–
5
5
4
–
8
–
59
62
59
52
54
58
46
49
45
56
50
50
51
11
12
11
3
2
6
2
10
9
12
7
9
6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
4
The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan.
Other default contributions are based on maximum dollar amounts specified by the employer, amounts based on employee length of service, or other methods.
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 46. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey, 2014
With automatic enrollment
Characteristics
Automatic
enrollment
available
Default contribution as percent of earnings
No automatic
Default
Default
Other
enrollment
contribution
contribution
default
50th
available
as percent
10th
25th
75th
90th
not
contribution2
percentile
of earnings percentile percentile
percentile percentile
determinable
(median)
Not
determinable
Worker characteristics
All workers ...............................................................
2.0
2.0
0.0
–
0.0
0.0
0.0
–
–
1.9
0.8
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.5
4.0
3.9
3.8
2.9
2.9
3.5
3.9
4.1
4.0
4.5
6.8
3.5
4.0
4.0
3.8
2.7
2.6
3.3
2.9
4.1
3.8
4.1
6.8
0.0
0.0
0.0
–
0.0
0.0
0.0
–
0.5
0.0
0.5
–
0.5
0.5
–
0.0
0.0
0.0
0.4
0.0
0.0
0.0
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
–
0.0
1.0
0.3
–
0.0
0.0
0.0
0.4
0.9
0.9
0.3
0.0
–
0.9
0.3
1.3
0.0
0.0
–
0.0
–
–
0.0
0.0
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
2.1
1.8
3.0
–
–
–
–
–
3.6
4.1
4.0
4.5
2.7
3.5
3.3
3.3
3.8
3.8
3.9
6.7
1.0
0.7
1.5
3.6
1.3
1.4
1.9
2.3
2.3
1.0
1.8
0.8
Full time ...................................................................
Part time ..................................................................
2.1
4.0
2.0
4.0
0.0
–
–
0.0
0.0
0.0
0.0
–
0.0
0.0
–
–
–
0.1
2.0
4.3
0.7
2.3
Union .......................................................................
Nonunion .................................................................
6.0
2.1
6.0
2.0
–
0.0
0.7
–
0.0
0.0
1.3
0.0
0.0
0.2
–
–
–
–
5.3
2.1
4.8
0.7
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.0
–
3.4
2.6
3.2
4.2
2.9
–
3.1
2.5
3.2
4.2
0.0
–
0.0
0.0
0.0
0.0
0.5
–
0.3
0.0
–
–
0.0
–
0.0
0.0
0.0
0.0
0.3
–
1.2
0.0
0.3
0.8
0.0
–
–
0.0
0.4
0.6
–
–
–
–
–
–
0.2
–
–
–
–
–
3.4
5.7
3.4
2.6
3.2
4.2
1.5
–
1.3
1.3
1.2
1.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.2
3.0
3.6
3.4
–
4.0
0.0
–
0.0
0.4
–
–
0.4
–
0.4
1.3
–
1.1
0.0
–
0.0
–
–
–
–
0.8
–
3.1
5.4
3.3
1.1
4.2
1.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.4
3.0
4.0
3.2
8.8
8.9
6.7
3.0
3.3
5.3
5.5
6.3
7.6
6.7
–
6.9
7.9
2.2
2.9
4.1
2.7
8.8
8.9
5.8
3.2
3.6
5.3
6.0
6.1
7.7
5.2
–
6.9
6.1
0.0
0.4
0.0
0.0
–
0.0
–
0.4
0.2
0.5
0.0
0.0
0.0
0.0
–
–
0.0
–
0.0
0.9
0.3
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
0.0
0.0
0.0
0.0
0.3
0.0
–
0.0
0.0
0.0
–
0.3
–
0.0
–
0.8
0.0
–
0.8
–
0.8
0.6
0.0
0.0
1.4
1.4
–
0.3
–
–
0.3
–
–
0.3
–
–
1.3
0.0
1.2
–
0.0
0.0
0.0
0.0
0.0
–
0.0
0.8
–
0.9
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.0
0.7
1.8
1.3
–
–
3.8
1.0
1.1
0.4
3.0
3.3
4.8
3.4
–
–
3.9
2.3
3.2
4.0
3.6
8.8
7.9
7.5
3.0
3.1
5.3
5.5
5.7
6.1
6.8
7.4
6.9
7.8
1.0
0.8
1.4
1.7
0.8
2.9
2.3
0.8
1.0
1.6
1.2
2.6
4.2
2.2
–
–
2.4
Establishment characteristics
See footnotes at end of table.
Table 46. Standard errors for savings and thrift plans: Automatic enrollment,1 private industry workers, National Compensation Survey,
2014—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
enrollment
available
Default contribution as percent of earnings
No automatic
Default
Default
Other
enrollment
contribution
contribution
50th
default
available
as percent
10th
25th
75th
90th
not
2
percentile
contribution
of earnings percentile percentile
percentile percentile
determinable
(median)
Not
determinable
2.9
3.4
5.0
2.7
3.9
3.4
2.3
2.8
5.3
2.7
3.9
3.5
0.0
0.2
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.0
0.0
0.0
–
–
–
0.6
0.0
0.0
–
0.0
–
–
–
–
–
–
–
–
–
–
–
0.6
2.7
3.4
5.2
2.5
3.8
3.5
1.2
1.2
3.0
1.1
1.5
1.6
3.6
6.5
4.3
3.6
3.8
9.2
7.9
2.8
3.4
4.2
5.1
11.8
5.0
3.8
5.6
4.8
3.5
3.9
9.2
7.3
3.0
3.9
4.2
4.1
8.4
4.6
–
–
–
0.0
0.0
0.0
0.0
0.0
0.5
–
0.0
0.0
0.0
0.5
0.3
–
–
0.4
–
0.3
0.0
0.0
0.0
–
–
–
0.0
–
0.0
0.0
0.0
0.0
0.0
–
0.4
–
0.0
0.0
0.0
–
1.2
–
0.0
0.0
–
0.5
0.7
–
0.8
–
–
0.6
0.0
0.0
0.0
–
1.2
–
0.5
0.0
0.0
1.0
–
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
–
2.1
2.8
2.7
–
0.4
–
–
1.1
1.5
1.4
–
7.3
–
4.6
7.6
5.7
3.7
3.9
10.7
7.9
2.2
2.3
4.4
4.2
9.5
4.2
2.1
4.0
2.8
0.5
0.5
2.4
0.4
1.7
2.0
3.0
2.3
4.5
2.6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan.
Other default contributions are based on maximum dollar amounts specified by the employer, amounts based on employee length of service, or other methods.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 47. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount
matched by employer, private industry workers, National Compensation Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
enrollment
not available
Not
determinable
Worker characteristics
All workers ...............................................................
41
38
50
60
100
100
52
7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
47
46
48
20
37
29
41
32
33
43
40
47
50
33
50
–
40
44
40
44
44
33
–
33
50
50
50
50
50
–
50
50
50
50
50
–
50
60
–
50
67
67
60
50
50
–
–
–
100
100
100
100
100
100
100
–
60
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
47
49
46
68
56
67
50
55
57
51
51
51
5
5
6
12
7
4
9
13
10
6
9
2
Full time ...................................................................
Part time ..................................................................
42
28
38
50
50
50
60
60
100
67
100
100
51
64
7
8
Union .......................................................................
Nonunion .................................................................
34
41
38
38
50
50
–
60
100
100
100
100
51
53
15
6
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
20
–
38
42
46
50
33
–
33
40
–
–
50
–
50
50
50
50
67
–
60
50
–
–
100
–
100
100
100
100
100
–
100
100
100
100
76
78
55
49
48
45
4
–
7
9
6
5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
45
11
50
–
–
–
50
–
50
–
–
–
100
–
100
100
–
100
44
73
39
11
16
11
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
39
35
35
23
53
57
40
40
42
36
57
56
65
33
–
30
37
38
38
33
40
50
–
–
33
33
–
33
–
–
50
–
20
50
50
50
38
50
50
50
–
50
50
50
50
50
50
50
–
–
50
50
60
50
67
–
50
–
–
–
60
100
75
–
50
–
50
50
100
–
–
67
100
50
–
100
100
100
100
100
100
100
–
–
100
100
100
100
100
100
–
–
100
100
100
100
100
100
–
–
100
–
55
61
63
71
46
35
55
57
55
59
42
38
25
59
75
70
56
6
4
2
6
1
8
6
3
3
4
1
6
10
8
–
–
7
Establishment characteristics
See footnotes at end of table.
Table 47. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount
matched by employer, private industry workers, National Compensation Survey, 2014—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 ............................................
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
enrollment
not available
Not
determinable
36
34
41
43
38
50
33
33
33
44
38
50
50
50
–
50
50
50
60
–
50
50
60
50
100
100
60
100
100
100
100
–
–
100
100
100
57
59
52
50
55
43
7
7
7
7
6
8
29
26
30
46
44
36
51
42
46
33
43
41
43
–
50
–
44
–
44
50
50
50
50
33
33
33
50
–
50
50
50
50
50
50
50
50
44
50
38
–
100
–
50
50
–
50
100
100
67
–
–
50
100
100
75
100
100
100
–
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
–
–
–
59
62
59
52
54
58
46
49
45
56
50
50
51
11
12
11
3
2
6
2
10
9
12
7
9
6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
The percentage is determined by the ratio of the default enrollment amount to the maximum employee contribution matched by the employer, for those plans that specify both values.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2014."
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/glossary20142015.htm.
Table 47. 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, 2014
Characteristics
Automatic
enrollment
available
Default enrollment amount as a percent of the employee
maximum amount matched by employer1
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Automatic
enrollment
not available
Not
determinable
Worker characteristics
All workers ...............................................................
2.0
5.5
0.0
10.8
0.0
0.0
1.9
0.8
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.5
4.0
3.9
3.8
2.9
2.9
3.5
3.9
4.1
4.0
4.5
6.8
6.2
4.4
0.0
–
4.2
12.4
5.6
1.4
0.0
0.0
–
1.5
0.0
0.0
0.0
0.0
0.0
–
0.0
1.0
6.6
0.0
0.0
–
14.4
16.9
–
5.3
8.7
6.5
5.1
0.0
0.0
–
–
–
0.0
0.0
0.0
23.6
0.0
0.0
0.0
–
4.5
0.0
0.0
20.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
23.3
0.0
0.0
0.0
3.6
4.1
4.0
4.5
2.7
3.5
3.3
3.3
3.8
3.8
3.9
6.7
1.0
0.7
1.5
3.6
1.3
1.4
1.9
2.3
2.3
1.0
1.8
0.8
Full time ...................................................................
Part time ..................................................................
2.1
4.0
5.5
0.0
0.0
0.0
11.7
8.1
0.0
15.5
0.0
0.0
2.0
4.3
0.7
2.3
Union .......................................................................
Nonunion .................................................................
6.0
2.1
8.5
7.0
0.0
0.0
–
10.8
18.8
0.0
0.0
0.0
5.3
2.1
4.8
0.7
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.0
–
3.4
2.6
3.2
4.2
6.0
–
6.3
6.3
–
–
4.5
–
0.0
0.0
0.0
0.0
7.7
–
16.3
5.2
–
–
18.0
–
4.6
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
3.4
5.7
3.4
2.6
3.2
4.2
1.5
–
1.3
1.3
1.2
1.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.2
3.0
3.6
–
–
–
0.0
–
0.0
–
–
–
0.0
–
0.0
0.0
–
0.0
3.1
5.4
3.3
1.1
4.2
1.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.4
3.0
4.0
3.2
8.8
8.9
6.7
3.0
3.3
5.3
5.5
6.3
7.6
6.7
–
6.9
7.9
5.0
3.7
0.0
8.2
0.0
–
–
3.4
3.4
–
0.0
–
–
0.0
–
0.0
0.0
0.0
0.0
6.3
2.6
12.6
7.2
–
0.0
0.0
0.0
10.0
5.3
13.9
0.0
–
–
0.0
13.9
10.0
11.7
12.6
–
0.0
–
–
–
12.9
27.4
20.9
–
0.0
–
0.0
0.0
0.0
–
–
4.6
0.0
6.3
–
0.0
0.0
29.8
0.0
23.7
0.0
10.3
–
–
10.3
0.0
0.0
0.0
11.2
0.0
–
–
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
–
2.3
3.2
4.0
3.6
8.8
7.9
7.5
3.0
3.1
5.3
5.5
5.7
6.1
6.8
7.4
6.9
7.8
1.0
0.8
1.4
1.7
0.8
2.9
2.3
0.8
1.0
1.6
1.2
2.6
4.2
2.2
–
–
2.4
Establishment characteristics
See footnotes at end of table.
Table 47. 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, 2014—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
enrollment
not available
Not
determinable
2.9
3.4
5.0
2.7
3.9
3.4
0.0
9.8
0.0
8.5
6.4
0.0
0.0
0.0
–
0.0
0.0
0.0
12.0
–
0.0
14.8
17.9
14.4
0.0
0.0
15.6
0.0
0.0
0.0
12.9
–
–
0.0
0.0
0.0
2.7
3.4
5.2
2.5
3.8
3.5
1.2
1.2
3.0
1.1
1.5
1.6
3.6
6.5
4.3
3.6
3.8
9.2
7.9
2.8
3.4
4.2
5.1
11.8
5.0
–
0.0
–
7.7
–
8.7
6.1
3.2
5.1
10.6
0.0
4.1
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.0
10.2
8.7
–
25.8
–
3.2
9.7
–
0.0
16.1
0.0
13.3
–
–
6.6
20.4
0.0
12.1
17.8
20.9
0.0
–
0.0
0.0
0.0
0.0
0.0
9.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24.1
–
–
–
4.6
7.6
5.7
3.7
3.9
10.7
7.9
2.2
2.3
4.4
4.2
9.5
4.2
2.1
4.0
2.8
0.5
0.5
2.4
0.4
1.7
2.0
3.0
2.3
4.5
2.6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
The percentage is determined by the ratio of the default enrollment amount to the maximum employee contribution matched by the employer, for those plans that specify both values.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2014."
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/glossary20142015.htm.
Table 48. Savings and thrift plans: Selected automatic escalation features, private industry workers, National
Compensation Survey, 2014
(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)
Automatic escalation features1
Characteristics
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
number of
years of
escalation
Median
percent of
earnings after
maximum
escalation
Automatic
Not
escalation
determinable
not available
Worker characteristics
All workers ...............................................................
36
17
3
25
7.0
52
13
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance:
Installation, maintenance, and repair ..................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
38
38
39
–
27
23
29
17
15
19
–
13
–
13
6
–
6
–
3
–
3
21
19
22
–
22
21
22
10.0
8.0
10.0
–
6.0
6.0
6.0
48
50
48
74
56
63
54
13
13
14
–
16
14
17
39
45
33
58
35
18
21
15
3
3
–
3
38
43
31
55
6.0
7.0
10.0
6.0
49
51
64
38
13
3
2
4
Full time ...................................................................
Part time ..................................................................
35
53
16
20
–
–
24
48
8.0
6.0
52
40
13
6
Union .......................................................................
Nonunion .................................................................
–
36
13
17
3
3
22
25
7.0
7.0
59
51
–
13
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
32
34
31
39
41
–
16
16
18
17
–
3
3
–
–
26
31
25
22
21
6.0
–
6.0
–
8.0
66
55
56
46
45
1
11
12
15
14
Goods-producing industries .....................................
Manufacturing ......................................................
43
42
27
24
3
4
35
32
8.0
8.0
45
48
11
10
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 .....................
33
43
34
36
41
29
44
13
17
23
24
–
–
–
–
3
–
–
–
–
–
22
42
31
32
35
27
–
6.0
6.0
–
–
–
–
–
54
53
59
57
54
63
39
13
3
7
7
5
8
17
Establishment characteristics
See footnotes at end of table.
Table 48. Savings and thrift plans: Selected automatic escalation features, private industry workers, National
Compensation Survey, 2014—continued
(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)
Automatic escalation features1
Characteristics
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
number of
years of
escalation
Median
percent of
earnings after
maximum
escalation
Automatic
Not
escalation
determinable
not available
18
42
44
41
–
19
18
21
–
3
–
–
18
27
24
30
6.0
7.0
7.0
6.0
72
50
47
52
10
8
8
7
–
–
39
39
–
41
32
34
–
–
–
19
13
–
28
17
22
–
–
–
3
3
–
3
–
–
–
–
–
26
20
–
35
28
33
–
–
–
6.0
6.0
–
7.0
10.0
10.0
–
56
48
55
56
63
49
55
53
62
–
–
6
4
–
10
13
14
–
44
–
–
27
6.0
37
19
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West:
Pacific ................................................................
1 The sum of the individual components may exceed the total because some workers may be in plans in which employee contribution is escalated based on both years of service and
as a specified percent of earnings.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2014."
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/glossary20142015.htm.
Table 48. Standard errors for savings and thrift plans: Selected automatic escalation features, private industry
workers, National Compensation Survey, 2014
Automatic escalation features
Characteristics
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
number of
years of
escalation
Median
percent of
earnings after
maximum
escalation
Automatic
Not
escalation
determinable
not available
Worker characteristics
All workers ...............................................................
3.3
2.1
0.5
2.5
1.1
2.9
2.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance:
Installation, maintenance, and repair ..................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
5.2
5.8
5.7
–
3.8
6.3
4.9
3.5
3.1
4.6
–
2.0
–
2.6
1.8
–
1.4
–
0.0
–
0.0
3.9
3.9
4.6
–
3.3
6.2
4.1
2.6
0.7
1.5
–
0.0
0.0
0.0
4.6
4.7
5.6
6.2
4.9
7.0
6.0
2.9
5.2
3.1
–
5.2
5.6
6.7
6.8
7.2
5.7
10.9
7.4
3.2
4.6
3.5
0.0
0.8
–
0.0
6.8
7.0
5.4
10.6
1.0
1.6
2.8
0.0
8.0
7.2
5.5
10.6
5.3
1.4
0.8
2.7
Full time ...................................................................
Part time ..................................................................
3.4
8.3
2.1
4.9
–
–
2.3
8.8
1.5
0.0
2.9
8.0
2.1
3.9
Union .......................................................................
Nonunion .................................................................
–
3.3
3.9
2.1
0.8
0.5
6.0
2.6
1.5
1.2
10.1
2.9
–
2.1
Average wage within the following categories1:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8.1
6.9
4.1
5.3
6.9
–
3.1
2.6
3.4
4.0
–
0.0
0.5
–
–
7.8
6.8
3.1
3.8
4.4
0.0
–
0.0
–
2.4
8.2
6.8
4.4
4.3
5.7
1.0
4.9
2.8
2.9
4.2
Goods-producing industries .....................................
Manufacturing ......................................................
5.7
5.5
5.4
4.6
0.4
1.2
5.5
5.0
1.2
0.3
6.4
6.5
2.8
3.2
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 .....................
3.9
5.7
3.8
4.2
8.7
5.4
9.7
1.9
3.1
3.8
4.2
–
–
–
–
0.0
–
–
–
–
–
2.7
5.6
4.1
4.5
8.6
4.8
–
0.3
0.0
–
–
–
–
–
3.2
5.6
3.8
4.1
9.1
6.6
7.6
2.5
1.9
2.6
2.7
2.7
4.8
5.9
Establishment characteristics
See footnotes at end of table.
Table 48. Standard errors for savings and thrift plans: Selected automatic escalation features, private industry
workers, National Compensation Survey, 2014—continued
Automatic escalation features
Characteristics
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Automatic
escalation
available
Employee
contribution
escalates for
predetermined
number of
years
Employee
contribution
escalates to
specified
percent of
earnings
Median
number of
years of
escalation
Median
percent of
earnings after
maximum
escalation
Automatic
Not
escalation
determinable
not available
4.5
3.9
6.5
5.6
–
2.9
5.1
4.1
–
0.7
–
–
4.5
3.4
5.4
4.4
0.7
1.1
1.0
1.6
6.1
3.7
5.7
5.5
6.3
1.8
3.2
1.8
–
–
5.2
6.6
–
9.5
4.6
5.2
–
–
–
3.7
3.1
–
7.6
3.4
4.4
–
–
–
0.0
0.0
–
0.0
–
–
–
–
–
4.1
3.5
–
7.5
3.9
5.0
–
–
–
0.5
0.0
–
1.3
0.4
0.0
–
6.5
7.7
5.3
6.9
15.4
8.8
4.5
5.6
8.0
–
–
2.2
1.0
–
5.2
2.5
3.0
–
8.5
–
–
7.5
1.5
6.8
4.2
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West:
Pacific ................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation
- March 2014."
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/glossary20142015.htm.
Table 49. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,
2014
(All workers participating in savings and thrift plans = 100 percent)
Percent of earnings, up to Internal Revenue Code limit
Characteristics
Percent of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
Worker characteristics
All workers ...............................................................
56
25
50
50
75
80
43
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
52
54
50
47
60
66
57
69
25
25
25
25
25
25
25
–
–
45
–
50
50
50
50
25
50
50
50
50
50
50
50
50
75
75
75
75
75
75
75
75
80
75
80
80
80
80
80
80
48
45
50
53
40
34
43
31
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
60
72
62
59
66
–
–
25
25
–
50
25
–
–
50
60
50
50
50
50
75
–
60
60
75
75
80
80
75
80
40
28
38
41
34
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
56
59
25
50
40
50
50
50
75
75
80
80
44
41
–
–
–
–
Union .......................................................................
Nonunion .................................................................
73
55
–
25
30
50
50
50
75
75
75
80
27
45
–
–
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
57
51
52
56
59
60
25
–
25
25
25
25
50
50
50
50
30
–
50
–
50
50
50
50
75
75
70
75
75
75
80
80
80
80
75
75
43
49
48
43
41
39
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
61
39
62
25
–
25
25
25
25
50
–
50
60
50
60
75
50
75
39
61
38
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
55
64
52
63
77
87
84
67
70
69
66
55
40
29
–
–
30
25
25
25
25
40
–
–
–
–
50
–
25
25
–
–
–
–
50
50
–
50
50
50
25
50
50
50
50
–
–
50
–
–
50
50
50
50
50
50
50
–
50
50
50
50
–
–
70
–
–
70
75
60
60
–
60
75
50
75
75
–
75
75
75
75
–
–
75
80
80
75
80
80
85
80
75
75
75
75
80
–
90
–
–
80
45
36
48
37
–
–
–
31
28
31
28
45
60
71
76
85
70
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 49. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,
2014—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 ............................................
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
50
51
49
60
55
67
25
25
20
25
25
25
35
50
30
50
50
–
50
50
50
50
50
50
70
75
60
75
75
75
80
80
75
80
80
75
50
49
51
40
45
32
–
–
–
–
–
–
–
–
–
–
–
–
50
40
53
61
58
57
69
55
55
54
56
60
54
25
–
25
25
20
25
25
25
25
25
25
30
25
–
–
–
–
35
50
–
50
50
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
60
50
75
60
75
70
–
–
70
75
75
60
75
75
75
80
75
80
80
80
75
75
80
80
80
80
80
80
50
60
47
39
42
43
31
44
45
44
43
39
45
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were
formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 49. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National
Compensation Survey, 2014
Percent of earnings, up to Internal Revenue Code limit
Characteristics
Percent of
earnings
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Any amount
up to Internal
Revenue
Code limit
Not
determinable
Other
Worker characteristics
All workers ...............................................................
2.2
0.0
13.7
0.0
0.9
0.0
2.2
–
–
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 ....................
3.2
4.6
3.6
5.2
2.2
3.8
2.7
5.5
0.0
0.0
0.0
0.0
0.9
1.8
3.5
–
–
10.3
–
14.2
0.0
0.0
0.0
6.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.2
0.0
2.7
5.1
19.1
6.2
4.6
5.8
0.0
1.6
0.0
1.3
5.2
7.8
5.8
3.2
4.6
3.6
5.2
2.2
3.8
2.7
5.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10.5
5.8
4.6
7.3
4.5
–
–
0.0
1.3
–
14.1
2.2
–
–
0.0
14.6
0.0
0.0
0.0
0.0
0.0
–
0.0
1.8
19.7
0.0
5.0
1.6
7.5
12.1
10.5
5.8
4.6
7.3
4.5
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.2
4.9
0.0
10.6
7.6
0.0
0.0
0.0
0.9
0.0
1.6
0.0
2.2
4.9
–
–
–
–
Union .......................................................................
Nonunion .................................................................
4.5
2.2
–
0.0
6.9
9.5
0.0
0.0
13.7
0.9
13.1
0.0
4.5
2.2
–
–
–
–
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.6
10.9
3.1
2.7
3.3
3.9
0.0
–
2.6
0.0
0.0
0.0
0.0
0.0
0.0
10.9
3.4
–
0.0
–
0.0
0.0
0.0
0.0
1.3
4.1
6.6
7.5
2.7
0.9
6.6
0.0
1.3
0.9
3.5
7.7
4.6
10.9
3.1
2.7
3.3
3.9
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.6
8.9
5.4
0.0
–
0.0
2.2
2.6
0.0
0.0
–
0.0
7.5
0.0
6.1
0.0
0.0
0.0
4.6
8.9
5.4
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.5
3.6
4.5
4.0
8.0
5.6
5.6
2.9
3.4
5.1
5.5
6.3
7.5
5.0
–
–
5.6
0.0
0.0
0.0
0.0
7.6
–
–
–
–
2.6
–
0.0
0.5
–
–
–
–
0.0
0.0
–
0.0
0.0
5.8
0.0
0.0
0.0
0.0
0.0
–
–
0.0
–
–
0.0
0.0
0.0
0.0
0.0
2.6
2.9
–
0.0
0.0
0.0
0.0
–
–
5.1
–
–
12.8
0.0
7.2
8.0
–
16.5
13.2
0.0
11.6
15.9
–
3.9
3.9
0.0
4.0
–
–
0.0
0.0
5.0
21.2
6.9
13.3
5.2
9.0
0.0
0.0
0.0
3.8
12.6
–
10.8
–
–
4.0
2.5
3.6
4.5
4.0
–
–
–
2.7
3.3
5.1
4.8
6.3
7.5
5.0
7.3
4.7
5.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 49. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National
Compensation Survey, 2014—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
2.9
3.4
5.6
2.6
3.8
2.7
0.9
0.0
3.5
0.0
2.0
0.0
8.7
10.5
6.5
7.5
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
6.4
3.4
11.8
0.9
0.0
8.2
5.2
8.5
0.0
0.9
0.0
5.5
2.9
3.4
5.6
2.6
3.8
2.7
–
–
–
–
–
–
–
–
–
–
–
–
6.2
11.7
7.4
3.0
3.7
12.4
3.3
3.8
4.8
5.8
4.9
7.2
6.4
0.0
–
0.0
1.6
2.2
0.0
0.0
0.0
5.2
0.0
0.4
8.7
0.0
–
–
–
–
7.6
0.0
–
13.8
1.8
–
2.6
0.0
10.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
12.0
0.0
0.9
12.0
0.0
12.3
–
–
10.0
0.0
0.0
17.1
0.0
0.0
0.0
11.1
7.5
14.6
6.7
10.9
0.0
7.1
0.0
6.1
12.9
3.6
6.4
1.6
6.2
11.7
7.4
3.0
3.7
12.4
3.3
3.8
4.8
5.9
4.9
7.1
6.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were
formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 50. Savings and thrift plans: Method of employer matching contributions, private industry workers, National
Compensation Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
Specified matching percent
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
Worker characteristics
All workers ...............................................................
63
30
50
50
100
100
37
–
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 ....................
57
55
59
65
65
69
63
58
50
–
50
25
25
25
25
30
50
50
50
–
50
50
50
50
100
100
–
50
–
100
50
80
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
43
45
41
35
35
31
37
42
–
–
–
–
–
–
–
–
50
62
72
81
61
–
30
30
30
30
50
50
50
50
50
50
–
50
50
50
–
100
100
100
100
100
100
100
–
100
50
38
28
19
39
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
62
66
30
25
50
50
50
–
100
100
100
100
38
34
–
–
Union .......................................................................
Nonunion .................................................................
67
62
–
25
50
50
50
–
80
100
100
100
33
38
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
69
62
64
64
59
57
25
25
25
30
50
50
50
–
50
50
50
50
50
50
50
50
–
100
100
100
100
100
100
100
100
100
100
100
100
100
31
38
36
36
41
43
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
65
39
72
30
–
30
50
50
50
50
50
50
100
100
100
100
100
100
35
61
28
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
62
69
75
68
64
65
69
74
76
85
72
49
50
56
71
69
54
25
25
25
25
30
–
50
–
–
50
–
50
50
25
25
50
–
50
50
–
50
–
50
–
50
50
–
50
50
50
50
–
–
50
67
50
50
100
50
–
–
100
100
100
–
50
–
50
100
100
50
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
–
100
100
100
100
100
100
100
100
100
–
100
38
31
25
32
36
35
31
26
24
15
28
51
50
44
–
31
46
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 50. Savings and thrift plans: Method of employer matching contributions, private industry workers, National
Compensation Survey, 2014—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 ............................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
67
68
65
60
61
59
25
25
30
30
30
30
50
50
50
50
50
50
–
–
–
50
50
60
100
100
100
100
100
100
100
100
100
100
100
100
33
32
35
40
39
41
–
–
–
–
–
–
66
69
65
58
54
67
61
67
67
68
61
55
64
30
–
25
25
25
25
50
25
30
25
–
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
–
100
–
–
–
50
–
50
50
67
50
50
–
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
34
31
35
42
46
33
39
33
33
32
39
45
36
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other
matching methods.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 50. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2014
Specified matching percent
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
Worker characteristics
All workers ...............................................................
2.0
5.5
0.0
6.9
0.0
0.0
2.0
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.0
3.5
3.9
4.2
3.0
3.5
3.8
3.7
0.0
–
0.0
0.0
0.0
0.0
3.3
5.8
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
23.8
27.3
–
0.0
–
0.0
0.0
18.9
0.0
0.0
0.0
12.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.0
3.5
3.9
4.2
3.0
3.5
3.8
3.7
–
–
–
–
–
–
–
–
6.4
4.1
3.3
3.6
5.4
–
6.9
0.0
2.7
0.0
0.0
4.5
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
–
0.0
19.9
26.8
19.1
0.0
0.0
10.9
–
0.0
6.4
4.1
3.3
3.6
5.4
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.2
4.2
3.6
4.4
0.0
0.0
5.9
–
0.0
0.0
0.0
0.0
2.2
4.2
–
–
Union .......................................................................
Nonunion .................................................................
5.2
2.1
–
5.8
0.0
0.0
0.0
–
13.5
0.0
8.7
0.0
5.2
2.1
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.9
6.7
3.6
2.8
2.7
3.6
0.0
0.0
0.9
5.6
9.0
0.0
8.8
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
20.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.9
6.7
3.6
2.8
2.7
3.6
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.1
7.4
3.0
5.2
–
6.3
0.0
0.0
0.0
0.0
3.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.1
7.4
3.0
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.4
3.4
4.7
3.8
10.6
7.4
6.7
2.9
2.6
2.9
3.4
6.1
8.5
6.6
10.4
6.8
7.1
2.2
0.0
0.0
3.9
0.0
–
0.0
–
–
7.2
–
0.0
0.0
2.2
2.2
0.0
–
0.0
0.0
–
0.0
–
0.0
–
0.0
4.7
–
0.0
0.0
0.0
0.0
–
–
0.0
18.9
8.4
0.0
0.0
4.4
–
–
0.0
0.0
0.0
–
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
17.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.5
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
2.4
3.4
4.7
3.8
10.6
7.4
6.7
2.9
2.6
2.9
3.4
6.1
8.5
6.6
–
6.8
7.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 50. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry
workers, National Compensation Survey, 2014—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
Not
determinable
Other1
2.9
3.0
5.8
2.5
3.6
3.7
3.0
3.4
5.8
0.9
7.1
3.8
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
1.8
0.0
16.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.9
3.0
5.8
2.5
3.6
3.7
–
–
–
–
–
–
5.2
8.0
6.1
3.9
6.5
4.1
4.7
2.7
2.6
6.3
4.0
8.7
4.2
5.6
–
4.4
6.9
0.0
0.0
0.0
4.6
6.8
0.0
–
–
0.0
0.0
0.0
0.0
0.0
0.0
8.9
0.0
0.0
0.0
0.0
0.0
2.7
0.0
–
28.5
–
–
–
0.0
–
0.0
0.0
18.7
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.2
8.0
6.1
3.9
6.5
4.1
4.7
2.7
2.6
6.3
4.0
8.7
4.2
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other
matching methods.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 51. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers,
National Compensation Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
Worker characteristics
All workers ...............................................................
63
3.0
4.0
6.0
6.0
6.0
37
–
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 ....................
57
55
59
65
65
69
63
58
3.0
4.0
3.0
4.0
4.0
4.0
3.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
4.0
6.0
6.0
6.0
5.0
6.0
6.0
6.0
5.5
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
–
6.0
6.0
6.0
6.0
43
45
41
35
35
31
37
42
–
–
–
–
–
–
–
–
50
62
72
81
61
–
4.0
4.0
4.0
–
6.0
5.0
5.0
6.0
4.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
–
6.0
7.0
–
6.0
50
38
28
19
39
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
62
66
3.0
3.0
4.0
4.0
6.0
6.0
6.0
6.0
6.0
6.0
38
34
–
–
Union .......................................................................
Nonunion .................................................................
67
62
–
3.0
5.0
4.0
6.0
6.0
6.0
6.0
8.0
6.0
33
38
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
69
62
64
64
59
57
4.0
4.0
3.0
4.0
3.0
3.0
4.0
4.0
4.0
5.0
4.0
4.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
31
38
36
36
41
43
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
65
39
72
–
–
–
5.0
4.0
5.0
6.0
–
6.0
6.0
6.0
6.0
8.0
–
8.0
35
61
28
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
62
69
75
68
64
65
69
74
76
85
72
49
50
56
71
69
54
3.0
4.0
4.0
4.0
–
–
4.0
4.0
4.0
4.0
4.0
–
3.0
–
3.0
4.0
–
4.0
4.0
5.0
4.0
4.0
6.0
–
5.0
5.0
5.0
5.0
–
4.0
3.0
4.0
5.0
3.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
4.0
5.0
5.0
4.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
8.0
6.0
6.0
6.0
6.0
6.0
8.0
–
6.0
6.0
6.0
6.0
38
31
25
32
36
35
31
26
24
15
28
51
50
44
–
31
46
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 51. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers,
National Compensation Survey, 2014—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 ............................................
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
67
68
65
60
61
59
3.0
3.0
3.0
3.5
4.0
3.0
4.0
4.0
4.0
4.0
4.5
4.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
33
32
35
40
39
41
–
–
–
–
–
–
66
69
65
58
54
67
61
67
67
68
61
55
64
3.0
3.0
3.0
3.0
3.0
3.0
4.0
4.0
4.0
4.0
3.0
–
–
4.0
–
4.0
4.0
4.0
4.0
5.0
5.0
4.0
5.0
4.0
4.0
4.0
6.0
6.0
6.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
–
6.0
–
6.0
6.0
6.0
6.0
–
–
6.0
6.0
6.0
6.0
34
31
35
42
46
33
39
33
33
32
39
45
36
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other
matching methods.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 51. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2014
Maximum employee contribution matched by employer
Characteristics
Specified
matching
percent
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Not
determinable
Other1
Worker characteristics
All workers ...............................................................
2.0
0.3
0.0
0.0
0.0
0.0
2.0
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.0
3.5
3.9
4.2
3.0
3.5
3.8
3.7
0.0
0.0
0.0
0.1
0.8
0.0
0.8
0.2
0.0
0.4
0.9
0.0
0.1
0.8
0.1
1.2
0.0
0.0
1.1
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
0.9
0.0
–
0.0
0.0
0.0
0.0
3.0
3.5
3.9
4.2
3.0
3.5
3.8
3.7
–
–
–
–
–
–
–
–
6.4
4.1
3.3
3.6
5.4
–
0.2
0.9
0.9
–
0.3
0.9
0.8
0.9
0.0
0.0
0.0
0.0
0.0
0.7
0.0
0.0
0.0
0.0
0.0
–
0.0
1.9
–
0.0
6.4
4.1
3.3
3.6
5.4
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.2
4.2
0.4
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
2.2
4.2
–
–
Union .......................................................................
Nonunion .................................................................
5.2
2.1
–
0.3
1.3
0.0
0.0
0.0
0.0
0.0
2.3
0.0
5.2
2.1
–
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.9
6.7
3.6
2.8
2.7
3.6
0.4
0.0
0.4
1.0
0.2
0.5
0.0
1.0
0.0
0.8
0.0
0.0
0.3
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
0.3
0.3
0.0
1.6
3.9
6.7
3.6
2.8
2.7
3.6
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.1
7.4
3.0
–
–
–
1.3
0.0
1.3
0.0
–
0.0
0.0
0.0
0.0
0.0
–
0.0
3.1
7.4
3.0
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.4
3.4
4.7
3.8
10.6
7.4
6.7
2.9
2.6
2.9
3.4
6.1
8.5
6.6
10.4
6.8
7.1
0.1
0.1
0.4
0.0
–
–
0.0
0.0
0.0
0.0
0.0
–
0.8
–
0.0
0.0
–
0.0
1.1
1.0
0.8
0.8
0.0
–
0.0
0.0
0.0
1.3
–
0.4
0.0
0.5
0.2
0.0
0.0
0.0
0.0
0.5
1.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.4
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
1.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5
1.7
0.0
0.0
0.0
0.0
1.2
–
0.0
0.3
0.0
0.0
2.4
3.4
4.7
3.8
10.6
7.4
6.7
2.9
2.6
2.9
3.4
6.1
8.5
6.6
–
6.8
7.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 51. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private
industry workers, National Compensation Survey, 2014—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
Not
determinable
Other1
2.9
3.0
5.8
2.5
3.6
3.7
0.0
0.7
0.0
0.9
0.4
0.3
0.0
0.0
0.6
0.6
0.9
0.0
0.0
0.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.0
2.9
3.0
5.8
2.5
3.6
3.7
–
–
–
–
–
–
5.2
8.0
6.1
3.9
6.5
4.1
4.7
2.7
2.6
6.3
4.0
8.7
4.2
0.0
0.0
0.0
0.6
0.1
0.7
0.0
0.0
0.0
0.0
0.8
–
–
0.0
–
0.0
0.0
0.0
0.0
0.6
0.3
0.6
0.0
0.0
0.5
0.2
0.7
0.5
1.2
0.0
0.0
1.4
0.0
0.0
0.0
0.0
0.3
0.7
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
–
1.2
–
0.0
0.0
0.0
0.0
–
–
1.0
0.0
0.3
0.0
5.2
8.0
6.1
3.9
6.5
4.1
4.7
2.7
2.6
6.3
4.0
8.7
4.2
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other
matching methods.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 52. Savings and thrift plans: Maximum potential employer contribution,1 private
industry workers, National Compensation Survey, 2014
(Includes all workers participating in savings and thrift plans that specify matching contributions)
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
1.5
2.5
3.0
5.0
6.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.8
2.0
1.5
–
1.5
1.5
1.3
1.5
3.0
3.0
3.0
1.8
2.0
3.0
2.0
–
3.0
4.0
3.0
3.0
3.4
4.0
3.0
4.0
5.0
5.0
4.5
4.0
5.0
6.0
5.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
1.8
1.5
1.8
1.8
1.5
3.0
–
2.0
–
2.0
3.0
4.5
3.0
3.0
3.0
–
5.0
4.0
4.5
4.0
6.0
6.0
6.0
–
5.0
Full time ...................................................................
Part time ..................................................................
1.5
1.2
2.5
–
3.0
3.0
5.0
5.0
6.0
6.0
Union .......................................................................
Nonunion .................................................................
–
1.5
–
2.5
3.0
3.0
4.0
5.0
4.9
6.0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
1.5
1.5
1.8
2.0
1.8
1.5
2.0
–
3.0
3.0
3.0
3.0
3.0
3.0
4.0
4.0
5.0
4.0
5.0
5.0
5.0
6.0
6.0
5.0
6.0
6.0
6.0
6.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.8
–
1.8
2.0
2.0
2.0
3.0
–
3.0
4.5
5.0
4.5
6.0
6.0
6.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.5
1.5
1.3
1.3
1.8
–
3.0
–
–
3.0
–
–
–
1.0
–
3.0
1.2
2.5
2.0
1.5
2.5
1.8
3.6
4.0
3.0
3.0
3.5
3.0
3.0
3.0
2.0
–
–
2.0
3.0
3.0
3.0
4.0
–
4.5
4.8
5.0
5.0
5.0
4.0
–
3.0
3.0
–
5.0
3.0
5.0
5.0
4.0
6.0
5.0
6.0
6.0
6.0
6.0
6.0
5.0
5.0
–
3.0
5.0
5.0
3.0
6.0
6.0
6.0
6.0
6.0
–
6.0
6.0
6.0
6.0
6.0
6.0
6.0
5.0
5.0
–
4.0
Establishment characteristics
See footnotes at end of table.
Table 52. Savings and thrift plans: Maximum potential employer contribution,1 private
industry workers, National Compensation Survey, 2014—continued
(Includes all workers participating in savings and thrift plans that specify matching contributions)
Maximum potential employer contribution
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
1.5
1.5
1.5
1.5
1.5
1.5
–
–
–
2.4
3.0
2.0
3.0
3.0
3.0
3.0
3.0
–
4.9
5.0
4.0
5.0
5.0
5.0
6.0
6.0
6.0
6.0
6.0
6.0
1.5
2.0
1.5
1.5
1.5
–
2.0
1.5
1.5
1.5
1.5
–
–
2.5
3.0
2.0
2.0
2.0
2.0
3.0
–
2.0
3.0
3.0
2.0
3.0
3.0
–
3.0
3.0
3.0
3.0
4.0
3.0
3.0
4.0
3.0
3.0
3.0
4.9
5.0
4.9
6.0
5.0
4.0
6.0
5.0
5.0
5.0
4.5
4.0
4.8
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The maximum potential employer contribution is determined by multiplying the maximum employee contribution subject to matching by the
employer matching percent, for those plans that specify both values.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 52. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, National Compensation Survey, 2014
Maximum potential employer contribution
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
0.0
0.6
0.0
0.0
0.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.4
0.4
0.4
–
0.1
0.0
0.3
0.4
0.0
0.0
0.0
0.3
0.2
0.6
0.0
–
0.6
0.2
0.0
0.0
0.7
0.0
0.3
0.5
0.1
1.3
0.8
0.1
0.9
0.0
0.0
0.1
0.0
0.0
0.0
0.5
0.0
0.0
0.0
0.0
0.4
0.4
0.3
0.2
0.4
0.5
–
0.0
–
0.1
0.0
0.7
0.0
0.0
0.1
–
0.3
0.5
0.8
0.2
0.3
0.0
0.3
–
1.1
Full time ...................................................................
Part time ..................................................................
0.0
0.3
0.6
–
0.0
0.0
0.0
0.0
0.0
0.0
Union .......................................................................
Nonunion .................................................................
–
0.0
–
0.5
0.0
0.0
0.9
0.0
(2)
0.0
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.3
0.1
0.2
0.4
0.3
0.2
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
1.1
0.0
0.7
0.1
0.0
(2)
(2)
0.7
0.0
1.1
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.1
–
0.1
0.2
0.0
0.4
0.0
–
0.0
0.6
1.3
0.6
0.0
0.0
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.0
0.3
0.2
0.4
0.4
–
0.4
–
–
0.4
–
–
–
0.3
–
0.0
0.3
0.6
0.1
0.4
0.4
0.2
0.8
0.1
0.0
0.3
0.9
0.0
0.0
0.0
0.2
–
–
0.3
0.1
0.3
0.0
0.0
–
1.3
0.2
1.1
0.6
0.0
0.4
–
0.6
0.0
–
0.0
0.2
0.0
0.9
0.0
0.0
0.8
0.0
1.5
0.2
0.0
0.0
0.4
1.4
–
0.0
0.0
0.9
0.0
0.0
0.0
0.2
0.0
0.4
–
0.0
0.0
0.0
0.0
0.0
0.0
0.5
0.2
0.8
–
0.5
Establishment characteristics
See footnotes at end of table.
Table 52. Standard errors for savings and thrift plans: Maximum potential employer
contribution,1 private industry workers, National Compensation Survey, 2014—continued
Maximum potential employer contribution
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
0.0
(2)
0.4
0.0
0.1
0.3
–
–
–
0.6
0.7
0.1
0.0
0.1
0.0
0.3
0.2
–
0.5
0.2
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.4
0.3
0.0
0.0
–
0.2
0.0
0.3
0.2
0.4
–
–
0.6
0.0
0.3
0.5
0.0
0.5
0.0
–
0.2
0.0
0.3
0.4
0.0
0.1
–
0.3
0.7
0.1
0.0
0.8
0.0
0.0
1.0
0.0
0.2
0.6
0.2
0.3
0.8
1.3
0.4
0.8
0.3
0.2
0.8
0.0
0.7
0.5
0.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.2
0.0
0.9
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The maximum potential employer contribution is determined by multiplying the maximum employee contribution subject to matching by the
employer matching percent, for those plans that specify both values.
2 Less than 0.05.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 53. Savings and thrift plans: Eligibility requirements, private industry workers,
National Compensation Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
With
minimum age
or service
requirement
Median age
requirement
(in years)
Median
service
requirement
(in months)
No minimum
Not
age or
determinable
service
requirement
Worker characteristics
All workers ...............................................................
63
21
6
30
7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
53
56
51
75
69
76
65
58
21
21
21
21
21
21
21
18
–
–
–
6
6
12
6
3
38
36
41
20
25
21
26
29
8
8
8
4
6
3
8
13
74
53
75
76
73
18
18
21
21
21
3
–
3
3
3
–
34
20
22
18
–
13
5
1
9
Full time ...................................................................
Part time ..................................................................
61
84
21
21
6
–
31
13
8
3
Union .......................................................................
Nonunion .................................................................
56
64
21
21
12
6
35
29
9
7
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
85
82
72
68
50
46
21
21
21
21
21
21
–
12
6
6
–
3
12
–
21
26
40
47
3
–
7
6
9
7
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
56
57
59
18
18
18
3
–
3
39
–
39
4
–
2
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 ...................
65
77
69
90
72
52
53
51
63
45
61
57
59
52
60
60
21
21
21
21
21
21
21
21
21
21
21
18
21
21
21
21
6
–
–
12
–
3
–
3
–
–
–
–
–
12
–
–
27
17
22
–
–
40
42
46
36
50
27
29
31
34
40
31
8
5
9
–
–
7
5
3
1
5
13
14
10
14
–
9
Establishment characteristics
See footnotes at end of table.
Table 53. Savings and thrift plans: Eligibility requirements, private industry workers,
National Compensation Survey, 2014—continued
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
With
minimum age
or service
requirement
Median age
requirement
(in years)
Median
service
requirement
(in months)
No minimum
Not
age or
determinable
service
requirement
68
69
65
61
73
44
21
21
21
21
21
21
6
6
–
6
–
–
24
22
28
33
21
48
8
8
7
7
6
8
67
57
70
59
53
75
60
64
60
70
68
73
65
21
21
21
21
21
21
21
21
21
21
21
21
18
–
–
–
6
6
6
–
–
–
–
–
–
–
25
34
22
35
39
20
36
27
31
21
26
17
31
8
9
8
6
8
5
4
9
9
9
6
9
4
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 53. Standard errors for savings and thrift plans: Eligibility requirements, private
industry workers, National Compensation Survey, 2014
Characteristics
With
minimum age
or service
requirement
Median age
requirement
(in years)
Median
service
requirement
(in months)
No minimum
age or
Not
determinable
service
requirement
Worker characteristics
All workers ...............................................................
1.8
0.0
0.0
1.5
0.8
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 ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.0
3.8
3.6
5.0
2.5
3.3
3.0
3.9
0.0
1.4
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
0.0
0.0
1.9
0.0
0.8
2.9
3.5
3.5
4.8
2.1
3.0
2.6
3.9
1.3
1.6
1.7
1.4
1.5
0.9
2.1
2.7
7.0
4.4
2.8
3.6
4.7
0.0
1.8
0.4
1.5
0.0
0.0
–
0.0
0.5
0.0
–
5.2
2.6
3.8
4.4
–
3.3
1.4
0.6
2.8
Full time ...................................................................
Part time ..................................................................
2.0
2.1
0.0
0.0
1.4
–
1.7
1.6
0.9
1.4
Union .......................................................................
Nonunion .................................................................
5.4
1.9
0.5
0.0
2.2
0.0
5.2
1.6
3.4
0.9
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.4
8.0
2.9
2.3
2.7
3.5
0.0
0.0
0.0
0.0
0.5
2.8
–
2.9
0.0
1.2
–
0.8
3.2
–
2.4
2.1
2.6
3.6
0.9
–
1.6
1.0
1.4
1.6
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.1
8.5
4.5
0.0
0.0
0.0
0.0
–
0.0
4.2
–
4.7
1.2
–
0.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.9
2.5
3.8
4.1
8.6
6.4
3.5
3.8
4.5
5.5
4.6
6.8
5.3
7.7
5.7
6.1
0.0
0.0
0.0
0.0
0.9
3.4
0.0
0.0
0.0
0.0
3.4
2.7
0.0
0.0
0.0
0.0
0.0
–
–
0.0
–
0.0
–
0.5
–
–
–
–
–
0.0
–
–
1.5
2.0
4.0
–
–
6.6
3.3
3.6
4.2
5.2
4.2
5.6
4.5
4.7
5.7
5.1
1.0
1.0
3.2
–
–
5.4
1.3
1.0
0.7
2.1
3.5
4.5
2.1
6.6
–
2.5
Establishment characteristics
See footnotes at end of table.
Table 53. Standard errors for savings and thrift plans: Eligibility requirements, private
industry workers, National Compensation Survey, 2014—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 ............................................
With
minimum age
or service
requirement
Median age
requirement
(in years)
Median
service
requirement
(in months)
No minimum
age or
Not
determinable
service
requirement
3.0
4.2
4.5
2.6
3.7
3.2
0.0
0.0
2.5
0.0
0.0
0.0
1.4
1.1
–
0.0
–
–
2.5
3.6
3.6
2.3
2.8
3.3
1.3
1.7
3.0
1.0
1.6
1.4
2.9
7.1
3.0
3.5
4.3
4.9
7.5
3.2
4.0
4.8
4.4
8.2
5.0
0.0
0.0
0.0
0.0
3.5
0.0
0.0
0.2
0.9
0.0
3.0
1.2
4.1
–
–
–
0.0
0.0
0.0
–
–
–
–
–
–
–
2.9
5.2
3.2
2.7
3.0
4.2
6.3
2.5
3.0
4.2
3.8
5.1
4.8
1.8
4.0
2.0
1.6
2.3
3.6
2.3
1.7
2.3
2.1
1.7
4.5
1.3
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with
earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 54. Savings and thrift plans: Vesting requirements, private industry
workers, National Compensation Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
Characteristics
Immediate
full vesting
Cliff vesting
Graded
vesting
Not
determinable
Worker characteristics
All workers ...............................................................
27
28
36
9
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry ...............................................................
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
26
27
26
19
31
34
29
28
31
28
34
29
22
23
22
31
33
39
29
40
38
34
40
31
9
6
11
12
9
8
9
10
–
34
26
28
23
–
37
26
25
27
60
21
40
41
40
15
7
8
6
10
Full time ...................................................................
Part time ..................................................................
27
28
27
30
37
31
9
12
Union .......................................................................
Nonunion .................................................................
28
27
30
27
30
36
11
9
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
29
14
27
25
28
31
24
–
26
28
29
30
40
55
39
36
34
32
7
–
9
10
9
8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
29
31
27
30
–
32
33
40
34
8
–
7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
27
30
–
38
24
56
29
35
38
42
26
23
–
22
62
56
15
27
25
24
24
29
–
–
23
25
26
21
28
34
29
–
–
32
37
39
50
31
44
–
32
34
31
24
49
37
33
36
–
–
40
10
6
–
7
3
10
–
8
5
8
4
12
–
13
18
18
13
Establishment characteristics
See footnotes at end of table.
Table 54. Savings and thrift plans: Vesting requirements, private industry
workers, National Compensation Survey, 2014—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 ............................................
Immediate
full vesting
Cliff vesting
Graded
vesting
Not
determinable
25
26
22
28
26
31
27
23
36
28
28
29
39
44
30
34
39
27
9
8
12
9
7
12
26
30
27
25
24
33
25
23
28
30
25
33
18
19
36
41
24
34
25
24
28
25
–
27
43
42
31
30
45
26
41
42
38
33
41
29
13
9
6
5
7
7
9
11
6
12
–
11
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 54. Standard errors for savings and thrift plans: Vesting requirements,
private industry workers, National Compensation Survey, 2014
Characteristics
Immediate
full vesting
Cliff vesting
Graded
vesting
Not
determinable
Worker characteristics
All workers ...............................................................
1.9
1.8
2.1
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
3.4
2.9
4.3
2.0
3.7
2.3
4.4
3.3
4.8
3.6
4.9
2.0
2.7
2.4
5.6
3.3
4.8
3.5
4.3
2.5
4.0
3.2
4.4
1.5
1.2
2.1
3.1
1.3
2.3
1.4
2.1
–
5.6
4.4
4.7
5.0
–
7.2
3.3
4.1
5.0
9.7
3.3
4.5
4.4
6.8
4.5
2.2
1.5
1.6
2.8
Full time ...................................................................
Part time ..................................................................
1.9
4.1
2.0
2.9
2.0
4.6
1.0
1.9
Union .......................................................................
Nonunion .................................................................
4.2
1.9
6.6
1.8
5.9
2.1
3.4
1.0
Average wage within the following categories1:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.4
4.1
2.9
2.4
3.0
4.1
3.9
–
2.6
2.4
3.2
4.5
4.2
8.9
3.8
2.9
2.9
4.1
1.8
–
1.2
1.3
1.5
1.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.5
8.9
3.7
3.8
–
4.5
3.1
6.9
3.6
1.7
–
1.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.1
3.8
–
4.0
6.7
10.9
4.9
3.4
3.5
4.4
5.0
4.5
–
3.3
7.7
8.4
2.4
2.0
2.6
4.0
2.7
7.3
–
–
3.3
3.5
4.3
4.7
6.6
8.4
4.4
–
–
5.2
2.5
4.2
5.3
3.7
9.3
–
5.5
4.1
3.8
5.5
5.8
6.4
6.9
7.2
–
–
7.7
1.1
0.9
–
2.0
2.1
3.7
–
1.7
1.4
2.2
1.9
3.5
–
2.9
6.8
8.2
3.2
Establishment characteristics
See footnotes at end of table.
Table 54. Standard errors for savings and thrift plans: Vesting requirements,
private industry workers, National Compensation Survey, 2014—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 ............................................
Immediate
full vesting
Cliff vesting
Graded
vesting
Not
determinable
2.2
2.7
3.4
2.3
2.8
3.2
2.4
2.9
5.3
2.4
3.5
3.6
2.6
3.6
4.8
2.4
3.6
3.0
1.7
1.6
3.9
1.2
1.3
2.1
4.9
6.4
2.8
2.0
3.1
7.4
4.8
6.2
7.7
2.4
4.7
2.5
3.6
4.2
2.7
3.3
4.4
5.7
3.1
4.2
3.8
5.2
–
6.9
6.8
8.2
2.1
1.9
9.8
3.1
4.2
4.1
9.3
3.4
7.9
2.8
2.2
2.7
1.0
1.0
3.6
2.1
2.3
3.2
2.8
2.8
–
3.6
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 55. Savings and thrift plans: Investment choices for employee funds, private industry workers, National Compensation
Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
Available investments
Characteristics
Investment
choice
available
Company
stock
Common Diversified
stock
investments
Lifecycle
funds
Other1
Investment
choice exists
but not
determinable
No
investment
choice
available
Not
determinable
Worker characteristics
All workers ...............................................................
88
28
66
79
63
21
9
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
88
86
90
82
88
90
87
83
85
93
92
93
31
35
28
–
28
31
26
30
38
31
29
33
68
69
67
60
65
62
66
60
68
70
65
76
79
80
79
77
80
83
78
72
76
82
79
85
66
66
66
49
66
72
63
56
59
58
52
66
19
21
17
12
24
24
24
24
27
21
17
27
9
6
11
4
7
6
8
10
9
11
13
8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
18
–
10
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
88
89
29
23
67
57
79
79
63
64
21
13
9
9
–
–
–
11
Union .......................................................................
Nonunion .................................................................
90
88
34
28
68
66
82
79
62
63
29
20
8
9
–
–
10
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
89
81
85
89
89
91
23
20
22
24
37
39
66
64
58
69
69
73
83
73
75
80
80
82
66
52
57
63
66
70
15
–
23
19
22
21
7
8
9
9
9
9
–
–
–
–
–
–
–
19
–
–
–
9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
89
87
89
36
–
39
67
66
68
77
71
78
59
57
57
24
–
22
11
15
11
–
–
–
–
13
–
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 ...
88
92
91
90
100
89
–
96
94
99
93
91
27
29
14
33
40
48
40
44
46
31
39
39
66
67
67
59
85
75
80
82
84
79
71
71
80
85
82
84
92
82
87
88
87
90
85
85
64
70
61
75
72
65
75
77
72
79
70
70
20
22
15
19
39
29
27
30
29
35
16
–
8
6
9
4
7
7
9
7
6
9
8
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(3)
11
–
4
6
1
7
9
85
98
–
–
72
86
75
90
60
59
32
34
9
7
–
–
15
2
Establishment characteristics
See footnotes at end of table.
Table 55. Savings and thrift plans: Investment choices for employee funds, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in savings and thrift plans = 100 percent)
Available investments
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Investment
choice
available
Company
stock
Common Diversified
stock
investments
Lifecycle
funds
Other1
Investment
choice exists
but not
determinable
No
investment
choice
available
Not
determinable
87
86
89
89
89
89
20
18
23
34
31
36
64
62
70
67
63
72
74
72
78
82
81
84
58
55
67
66
63
69
20
23
14
21
22
19
12
13
11
6
8
4
–
–
–
–
–
–
–
–
–
–
–
–
83
88
81
91
93
91
90
86
89
80
90
87
91
19
–
22
31
35
20
29
32
32
33
30
19
35
57
57
57
71
76
78
61
60
61
60
74
68
77
71
69
72
83
84
81
82
77
78
76
84
78
86
55
59
54
72
73
71
71
49
43
61
71
65
74
21
31
18
21
20
25
20
19
22
13
21
31
17
12
19
9
8
8
8
8
9
11
4
6
9
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
9
10
–
–
–
–
–
9
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Includes investment vehicles not separately estimated (e.g., U.S. government securities, guaranteed investment contracts, money market funds, and certificates of deposit).
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
3 Less than 0.5.
Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 55. Standard errors for savings and thrift plans: Investment choices for employee funds, private industry workers, National
Compensation Survey, 2014
Available investments
Characteristics
Investment
choice
available
Company
stock
Common Diversified
stock
investments
Lifecycle
funds
Other1
Investment
choice exists
but not
determinable
No
investment
choice
available
Not
determinable
Worker characteristics
All workers ...............................................................
1.5
2.2
2.3
1.9
1.8
1.6
1.2
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
4.3
2.0
5.1
2.0
2.7
2.6
3.3
3.3
1.3
1.7
1.7
3.6
4.5
3.8
–
1.9
2.8
2.2
4.1
4.5
4.2
3.9
5.8
3.2
4.7
3.8
5.4
2.9
3.7
3.4
3.8
3.7
4.2
5.2
4.6
3.0
4.4
3.2
5.1
2.6
3.2
3.0
3.6
3.6
2.9
4.1
3.3
3.0
4.4
3.4
4.9
2.9
3.7
3.2
3.4
3.5
3.1
5.2
4.2
2.2
3.0
2.5
3.3
2.6
2.6
3.3
4.4
5.3
3.6
2.9
6.1
2.1
1.3
3.3
1.7
1.4
1.5
1.9
2.1
2.6
2.5
3.5
2.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.0
5.1
–
2.7
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.6
2.2
2.3
3.0
2.3
4.2
2.0
3.0
1.8
4.0
1.7
2.2
1.2
2.9
–
–
–
2.2
Union .......................................................................
Nonunion .................................................................
2.6
1.6
4.6
2.3
4.9
2.4
3.3
2.0
6.2
1.9
4.5
1.6
2.9
1.3
–
–
2.6
–
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.5
11.5
2.5
1.9
1.6
1.9
2.9
4.9
3.2
2.5
3.5
4.8
4.2
9.1
3.7
2.6
2.9
3.5
3.8
11.1
3.2
2.1
2.5
2.4
4.8
11.8
2.7
2.2
2.7
2.7
2.4
–
3.2
2.0
2.5
3.6
1.7
3.8
2.3
1.3
2.1
2.3
–
–
–
–
–
–
–
11.5
–
–
–
1.9
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
4.5
2.2
3.9
–
3.6
3.5
8.0
3.7
2.6
7.6
2.6
4.0
7.5
5.1
3.7
–
3.5
2.2
4.4
2.4
–
–
–
–
4.5
–
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 ...
1.8
1.2
2.4
2.2
0.3
4.3
–
1.0
1.4
0.5
2.8
4.0
2.5
3.2
3.3
5.1
8.8
7.9
3.3
3.2
4.8
5.0
7.9
8.6
2.6
3.2
5.8
4.4
6.6
8.2
2.4
2.4
3.3
4.5
6.7
7.8
2.3
2.2
4.5
3.0
4.6
6.2
2.5
2.4
2.6
4.3
4.1
4.6
2.1
3.1
5.1
4.0
7.2
6.6
4.0
3.4
5.4
5.5
5.7
7.7
1.8
3.6
2.7
3.3
11.2
5.0
3.2
3.3
5.2
4.9
4.4
–
1.4
1.4
3.4
1.6
4.5
3.7
2.3
2.1
1.6
4.3
4.0
4.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
4.3
–
1.0
1.4
0.5
2.8
4.0
6.7
2.0
–
–
7.7
5.8
7.9
4.7
9.6
8.3
5.0
5.1
5.9
5.5
–
–
6.7
2.0
Establishment characteristics
See footnotes at end of table.
Table 55. Standard errors for savings and thrift plans: Investment choices for employee funds, private industry workers, National
Compensation Survey, 2014—continued
Available investments
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Investment
choice
available
Company
stock
Common Diversified
stock
investments
Lifecycle
funds
Other1
Investment
choice exists
but not
determinable
No
investment
choice
available
Not
determinable
1.7
2.2
3.2
2.2
3.4
2.0
2.1
2.7
4.2
2.8
3.7
3.4
3.0
3.9
4.6
2.8
3.7
3.2
2.8
3.6
3.4
2.3
3.6
2.4
2.7
3.3
5.0
2.3
3.6
2.4
2.5
3.6
2.8
2.0
2.4
2.8
2.4
3.2
2.8
1.1
1.8
1.4
–
–
–
–
–
–
–
–
–
–
–
–
5.0
4.2
6.3
1.8
2.1
5.2
3.5
2.8
2.8
5.7
2.3
5.5
2.3
3.2
–
4.2
4.0
6.3
4.6
7.1
4.9
5.9
9.0
4.9
3.3
6.9
6.1
9.8
7.4
2.8
4.5
5.5
4.3
5.5
7.9
5.3
3.4
5.9
4.2
6.0
10.2
7.3
2.8
4.9
5.1
3.5
3.0
3.9
4.8
3.1
7.9
2.9
5.4
8.2
6.5
1.9
2.4
5.3
3.6
3.9
4.6
6.2
3.1
5.8
3.7
2.9
7.1
2.9
3.1
4.7
2.8
5.6
3.1
4.4
3.2
3.5
6.9
3.7
3.8
11.4
3.1
1.9
3.3
4.3
2.2
2.0
2.7
1.9
1.3
3.9
0.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5.2
3.5
–
–
–
–
–
2.3
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Includes investment vehicles not separately estimated (e.g., U.S. government securities, guaranteed investment contracts, money market funds, and certificates of deposit).
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 56. Savings and thrift plans: Investment choices for employer funds, private industry workers, National Compensation
Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
Available investments
Characteristics
Investment
choice
available
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other1
Investment
choice exists
but not
determinable
No
investment
choice
available
Not
determinable
Worker characteristics
All workers ...............................................................
83
28
64
76
60
20
7
2
15
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:
Installation, maintenance, and repair ..................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
81
82
81
84
87
83
30
34
27
28
34
26
66
67
65
63
62
64
76
77
75
77
81
75
63
62
63
64
70
61
19
21
17
23
23
23
5
4
6
7
6
7
1
–
–
2
–
2
17
–
–
14
–
15
84
89
91
88
38
29
29
29
66
68
64
72
75
79
79
79
58
57
52
62
27
21
17
26
9
10
12
8
–
–
–
–
–
–
–
–
Full time ...................................................................
84
28
65
76
60
21
7
1
15
Union .......................................................................
Nonunion .................................................................
86
83
35
28
65
64
78
76
58
60
27
20
8
6
–
2
–
15
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
85
82
84
82
86
25
21
23
36
38
65
56
67
67
71
78
73
77
77
79
64
54
60
63
68
14
22
19
22
21
6
9
7
5
6
–
–
2
–
–
–
–
14
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
85
87
35
39
66
67
77
78
57
57
24
22
9
9
–
–
–
–
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 ...
82
88
87
87
94
87
89
89
89
86
90
91
26
29
14
35
35
48
39
42
45
28
37
37
64
66
67
59
81
73
75
78
82
70
69
69
76
82
81
81
87
80
80
83
84
79
82
83
61
68
59
74
68
62
70
73
71
69
68
70
19
22
17
18
38
29
27
29
29
34
16
–
6
5
6
4
7
7
8
5
5
7
8
6
2
–
–
–
–
–
–
–
–
–
–
–
16
–
–
–
6
13
–
–
–
–
10
9
84
98
–
–
72
86
75
88
60
59
32
34
8
7
–
–
–
2
Establishment characteristics
See footnotes at end of table.
Table 56. Savings and thrift plans: Investment choices for employer funds, private industry workers, National Compensation
Survey, 2014—continued
(All workers participating in savings and thrift plans = 100 percent)
Available investments
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Investment
choice
available
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other1
Investment
choice exists
but not
determinable
No
investment
choice
available
Not
determinable
80
79
82
85
84
86
19
18
23
33
30
36
63
60
68
65
61
71
72
71
74
79
76
82
56
52
65
63
60
67
20
23
14
20
21
18
8
8
8
6
7
4
2
2
–
1
–
–
18
19
–
14
–
–
89
92
88
84
80
85
86
85
86
31
35
21
29
31
31
29
18
34
70
76
75
60
56
58
72
66
74
81
85
80
77
72
74
80
76
82
70
72
69
67
45
42
68
63
70
20
20
25
19
19
23
21
31
17
7
7
7
7
8
10
5
8
3
–
–
–
–
3
–
–
–
–
–
–
–
–
17
–
–
–
–
Geographic areas
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Includes investment vehicles not separately estimated (e.g., U.S. government securities, guaranteed investment contracts, money market funds, and certificates of deposit).
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
Table 56. Standard errors for savings and thrift plans: Investment choices for employer funds, private industry workers,
National Compensation Survey, 2014
Available investments
Characteristics
Investment
choice
available
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other1
Investment
choice exists
but not
determinable
No
investment
choice
available
Not
determinable
Worker characteristics
All workers ...............................................................
1.9
2.3
2.3
2.0
1.9
1.6
0.9
0.3
1.9
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance:
Installation, maintenance, and repair ..................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.1
4.3
3.7
2.0
2.8
2.8
3.6
4.5
3.9
2.0
3.0
2.2
3.3
4.7
3.9
3.0
3.7
3.5
3.1
4.4
3.5
2.6
3.3
3.1
3.0
4.3
3.6
3.0
3.7
3.3
2.2
3.0
2.5
2.5
2.6
3.2
1.4
1.2
2.0
1.4
1.5
1.9
0.4
–
–
0.4
–
0.6
3.1
–
–
2.0
–
2.8
3.4
1.9
1.9
3.4
4.5
4.3
3.8
6.3
3.8
3.7
4.9
4.3
3.7
2.8
4.1
3.6
3.6
3.3
5.2
5.7
5.3
3.0
2.9
4.6
2.6
2.4
3.3
2.8
–
–
–
–
–
–
–
–
Full time ...................................................................
1.9
2.4
2.4
2.0
1.9
1.7
1.0
0.3
1.9
Union .......................................................................
Nonunion .................................................................
3.4
2.0
4.6
2.4
5.1
2.5
4.1
2.1
6.2
2.1
4.2
1.5
2.9
1.0
–
0.3
–
2.0
Average wage within the following categories2:
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.4
2.7
2.2
2.5
2.4
3.0
3.1
2.5
3.6
4.8
4.1
3.5
2.7
3.1
3.6
4.7
3.2
2.3
2.6
2.5
5.1
2.8
2.3
2.7
2.8
2.3
2.9
2.1
2.5
3.6
1.7
2.2
1.2
1.3
1.9
–
–
0.5
–
–
–
–
2.3
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
2.1
2.2
3.8
3.5
3.3
3.5
2.6
2.5
4.0
5.1
3.7
3.5
1.9
2.0
–
–
–
–
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 ...
2.4
1.6
3.5
2.8
3.5
4.4
2.0
2.0
2.3
4.1
3.6
4.0
2.6
3.3
3.3
5.3
8.8
7.9
3.3
3.3
4.9
4.9
8.3
9.0
2.7
3.0
5.8
4.3
7.2
8.2
2.3
2.4
3.5
4.0
7.3
8.9
2.4
2.3
4.7
3.4
5.8
6.3
2.2
2.3
3.0
4.0
5.2
5.6
2.2
3.3
4.9
4.3
7.6
6.5
3.8
3.3
5.5
5.2
6.2
7.7
1.7
3.4
2.9
3.2
11.2
5.0
3.3
3.4
5.1
5.0
4.4
–
1.1
1.3
2.5
1.6
4.5
3.7
2.4
2.1
1.4
4.4
4.0
4.2
0.3
–
–
–
–
–
–
–
–
–
–
–
2.4
–
–
–
3.5
4.4
–
–
–
–
3.6
4.0
6.7
2.0
–
–
7.7
5.8
7.9
4.7
9.6
8.3
5.0
5.1
5.6
5.5
–
–
–
2.0
Establishment characteristics
See footnotes at end of table.
Table 56. Standard errors for savings and thrift plans: Investment choices for employer funds, private industry workers,
National Compensation Survey, 2014—continued
Available investments
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Investment
choice
available
Company Common
stock
stock
Diversified
investments
Lifecycle
funds
Other1
Investment
choice exists
but not
determinable
No
investment
choice
available
Not
determinable
2.5
3.2
4.1
2.4
3.7
2.1
2.2
2.8
4.3
2.8
3.7
3.4
2.9
3.7
5.1
2.9
4.0
3.1
2.8
3.6
4.1
2.5
3.8
2.3
2.8
3.4
5.4
2.4
3.8
2.4
2.3
3.2
2.7
1.9
2.4
2.9
1.6
2.1
2.2
1.0
1.6
1.3
0.4
0.6
–
0.4
–
–
2.5
3.2
–
2.4
–
–
2.3
2.1
5.8
5.5
3.5
3.0
3.3
6.4
3.8
4.0
6.4
5.1
7.2
5.6
6.7
4.9
3.2
6.9
2.7
4.3
5.2
4.3
5.9
8.1
3.6
6.0
4.5
2.8
4.2
5.3
5.3
3.5
3.8
3.6
8.1
3.8
2.2
2.4
5.3
5.1
4.4
4.7
3.5
5.8
4.3
3.0
4.6
3.1
5.5
2.6
3.8
3.5
6.9
3.7
1.7
2.9
3.7
2.0
1.9
2.6
1.3
3.8
0.8
–
–
–
–
0.8
–
–
–
–
–
–
–
–
3.4
–
–
–
–
Geographic areas
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Includes investment vehicles not separately estimated (e.g., U.S. government securities, guaranteed investment contracts, money market funds, and certificates of deposit).
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 57. Savings and thrift plans: Method of distribution of retirement benefits,
private industry workers, National Compensation Survey, 2014
(All workers participating in savings and thrift plans = 100 percent)
Method of distribution1
Characteristics
Lump sum
Installments
Not
determinable
Other2
Worker characteristics
All workers ...............................................................
87
41
11
12
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
86
86
87
83
89
91
88
81
89
90
89
92
45
46
45
38
37
31
40
42
49
35
36
34
9
12
6
4
18
28
13
12
15
5
–
–
13
13
13
16
11
9
11
17
10
9
10
8
Full time ...................................................................
Part time ..................................................................
86
95
41
34
10
20
13
5
Union .......................................................................
Nonunion .................................................................
88
87
54
40
11
11
9
12
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
90
86
89
85
87
87
35
41
33
38
48
47
19
10
13
7
10
12
10
14
11
14
12
13
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
83
73
84
37
20
38
–
–
–
15
17
15
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
88
91
87
94
91
90
87
93
93
91
94
88
87
85
96
89
83
42
35
40
28
40
49
63
56
60
62
53
38
37
41
44
68
41
12
19
–
35
–
–
–
23
25
31
–
–
–
–
–
–
–
11
9
13
6
9
10
13
7
7
9
6
12
13
14
2
4
15
Establishment characteristics
See footnotes at end of table.
Table 57. Savings and thrift plans: Method of distribution of retirement benefits,
private industry workers, National Compensation Survey, 2014—continued
(All workers participating in savings and thrift plans = 100 percent)
Method of distribution1
Characteristics
Lump sum
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Installments
Not
determinable
Other2
84
84
83
89
91
87
37
41
28
42
39
46
8
8
–
12
15
7
15
14
16
10
8
13
86
86
86
87
87
90
86
86
86
87
90
85
92
52
55
51
37
41
34
32
36
36
36
40
37
42
8
–
7
14
15
10
13
7
–
–
13
12
13
13
14
13
12
12
9
14
14
14
12
9
11
7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Sum of individual items may be greater than total because multiple methods of distribution are available to some employees
Includes methods of distribution not calculated separately (e.g., employer stock).
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Table 57. Standard errors for savings and thrift plans: Method of distribution of
retirement benefits, private industry workers, National Compensation Survey,
2014
Method of distribution
Characteristics
Lump sum
Installments
Not
determinable
Other1
Worker characteristics
All workers ...............................................................
1.4
2.1
1.0
1.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.2
3.1
2.1
4.6
1.9
2.5
2.2
3.3
3.1
2.0
3.0
2.9
3.6
4.6
3.9
4.3
2.5
3.4
3.3
4.3
4.8
3.2
3.6
5.3
1.4
2.0
1.3
1.2
1.6
3.3
1.2
2.9
3.8
1.3
–
–
2.1
3.0
2.0
4.5
1.9
2.5
2.2
3.4
3.0
2.0
2.9
2.9
Full time ...................................................................
Part time ..................................................................
1.5
1.6
2.2
4.5
0.9
2.8
1.5
1.6
Union .......................................................................
Nonunion .................................................................
4.9
1.3
5.6
2.1
2.6
1.0
4.6
1.3
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.9
10.2
2.1
1.8
2.3
3.2
3.4
10.3
2.4
2.6
3.2
4.4
2.8
2.1
1.5
1.1
1.5
2.3
2.9
10.2
2.1
1.7
2.2
3.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.1
7.4
2.3
2.9
5.0
2.9
–
–
–
1.9
4.4
2.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.6
1.6
4.3
1.7
5.1
3.1
4.4
1.6
1.9
2.5
2.1
4.7
6.7
3.2
2.4
4.1
4.0
2.5
2.8
4.8
3.5
8.8
9.8
8.3
3.7
3.4
4.1
4.1
6.5
7.0
7.4
5.7
8.6
8.5
1.2
2.6
–
4.4
–
–
–
2.7
2.8
3.4
–
–
–
–
–
–
–
1.6
1.6
4.3
1.7
5.1
3.1
4.4
1.5
1.9
2.4
2.1
4.7
6.7
2.7
1.0
2.0
3.4
Establishment characteristics
See footnotes at end of table.
Table 57. Standard errors for savings and thrift plans: Method of distribution of
retirement benefits, private industry workers, National Compensation Survey,
2014—continued
Method of distribution
Characteristics
Lump sum
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Installments
Not
determinable
Other1
2.1
2.6
3.8
1.5
1.8
1.9
2.9
3.5
4.0
2.5
3.1
3.5
1.3
1.6
–
1.2
1.7
1.6
2.0
2.5
3.7
1.5
1.8
1.9
4.2
4.7
5.2
2.0
2.8
1.0
3.9
2.5
2.9
4.6
2.8
6.9
2.5
6.2
8.7
7.4
2.9
4.6
6.1
3.9
3.6
4.2
6.6
4.5
8.8
5.1
1.9
–
1.5
1.6
2.5
1.4
2.9
1.6
–
–
2.8
3.6
3.7
4.0
4.7
4.9
2.0
2.9
1.3
3.9
2.5
2.9
4.5
2.5
5.8
2.5
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Includes methods of distribution not calculated separately (e.g., employer stock).
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2014."
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/glossary20142015.htm.
Technical Note
Data in this bulletin are from the National Compensation Survey (NCS), conducted by the U.S.
Department of Labor, Bureau of Labor Statistics (BLS). The bulletin contains 2014 data on detailed
provisions of employer-provided health and retirement benefit plans offered to private industry workers in
the United States. Excluded are federal government workers, the military, state and local government
workers, agricultural workers, private household workers, and the self-employed. Previous publications
containing information on employee benefits for private industry and state and local government workers
are available on the BLS website.
For information on the survey scope, sample design, data collection, survey estimation, reliability of
estimates, technical references, and survey definitions are available in Chapter 8 of the BLS Handbook of
Methods. 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. For information on survey
establishment response and on the number of workers represented by the survey, see Appendix tables 1
and 2, respectively.
•
Appendix Table 1 (TXT) (PDF)
•
Appendix Table 2 (TXT) (PDF)
Calculation details
For data presented by wage category, average hourly earnings from sampled occupations within an
establishment were used to produce estimates for worker groups within six earnings categories: the
lowest 10 percent, the lowest 25 percent, the second 25 percent, the third 25 percent, the highest 25
percent, and the highest 10 percent. The categories are based on March 2014 wages and salaries from
the Employer Costs for Employee Compensation.
The percentiles were computed using earnings reported for individual workers in sampled establishment
jobs and their scheduled hours of work. Establishments in the survey are asked to report only individual
worker earnings for each sample job. For the calculation of the hourly percentile values, the individual
worker hourly earnings are weighted and arrayed from lowest to highest. The values corresponding to
the percentiles are as follows:
Hourly wage percentile
Characteristic
Private industry workers
10
25
50 (median)
75
90
$8.65
$11.15
$16.82
$26.67
$41.46
The lowest 10-percent and 25-percent wage categories include those occupations with an average hourly
wage less than the 10th percentile and 25th percentile value, respectively. The second 25-percent
category includes those occupations that earn at or above the 25th percentile value but less than the
50th percentile value. The third 25-percent category includes those occupations that earn at or above the
50th percentile value but less than the 75th percentile value. Finally, the highest 25- and 10-percent
wage categories include those occupations with an average wage value greater than or equal to the 75th
and 90th percentile value, respectively.
(Note: Individual workers can fall into an earnings category different from the average for the occupation
into which they are classified because average hourly earnings for the occupation are used to produce
the benefit estimates.)
Not determinable estimates
Some tables in this bulletin contain columns with estimates classified as "not determinable." Situations
that result in this classification can vary. In detailed provisions of employer-provided health care plans,
the "not determinable" classification is used whenever no information on a particular plan feature is
available from the Summary Plan Description (SPD). The SPD is used as a primary source of information
on the provisions of a health benefit plan. For example, in table 1, workers are classified as participating
in four types of fee-for-service plans. Workers that were known to participate in a fee-for-service plan,
but the plan type was either not specified or was specified but did not fit into any of the four categories
used in the table, were classified into the "not determinable" category.
Another situation in which the "not determinable" classification may be used is when workers participate
in plans in which a provision is known to exist, but no information on the specific details of this provision
is available from the SPD. For example, in one of the tables, all workers participate in fee-for-service
plans. The majority of the workers included in this table participated in plans that specified a deductible,
but a small percentage of workers participated in plans in which the deductible was mentioned but not
described. These workers were classified into the "not determinable" category.
Interpreting the tables
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. For example, the statement may indicate that “All workers
participating in medical care plans = 100 percent,” or “Includes all workers participating in savings and
thrift plans that specify matching contributions.”
Most of the estimates in this bulletin are expressed in terms of the percentage of workers participating in
a particular benefit plan or the percentage covered by a specific provision. Some estimates, however,
provide values other than percentages of workers, such as the median age requirement for eligibility to
participate in a defined benefit retirement plan; dollar averages, medians, and percentiles for various
benefit provisions; and the specified matching percent (by percentile) an employer will contribute to an
employees’ savings and thrift retirement plan. The non-shaded estimates indicate percentages of
workers. Shaded estimates measure values other than the percent of workers.
Appendix table 1. Survey establishment response, private
industry, National Compensation Survey, 2014
Establishments
Number of
establishments
Total in sampling frame1 ........................................................
5,824,944
Total in sample ....................................................................
Responding2 ......................................................................
Refused3 ............................................................................
Out of business or not in survey scope ..............................
3,351
2,424
670
257
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 2012
North American Industry Classification System (NAICS). For private industries, an
establishment is usually a single physical location.
2 Establishments that provided data at the initial interview.
3 Establishments that did not provide data at the initial interview. Data for establishments
not responding at the time of update interviews are imputed. Detailed information on
nonresponse adjustment and imputation can be found in BLS Handbook of Methods,
Chapter 8, “National Compensation Measures,” Bureau of Labor Statistics, on the Internet at
www.bls.gov/opub/hom/pdf/homch8.pdf.
Appendix table 2. Number of workers represented, private
industry, National Compensation Survey, 2014
Occupational group1
Estimated number
of workers2
All workers .............................................................................
108,766,700
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 ..............................
30,282,600
10,772,800
19,509,800
21,920,900
948,400
28,853,200
11,805,600
17,047,600
9,462,800
3,964,800
5,498,000
18,247,200
8,969,100
9,278,100
1 The 2010 Standard Occupational Classification system is used to classify workers.
2 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.