For release 10:00 a.m. (EDT) Friday, July 24, 2015
Technical information:
Media contact:
USDL-15-1432
(202) 691-6199 • [email protected] • www.bls.gov/ebs
(202) 691-5902 • [email protected]
EMPLOYEE BENEFITS IN THE UNITED STATES – MARCH 2015
Retirement benefits were available to 66 percent of private industry workers in the United States in
March 2015, the U.S. Bureau of Labor Statistics reported today. Employer-provided retirement
benefits were available to 31 percent of private industry workers in the lowest wage category (the 10th
percentile). By contrast 88 percent of workers in the highest wage category (the 90th percentile) had
access to retirement benefits. In state and local government, 61 percent of workers in the lowest wage
category had access to retirement benefits, compared with 98 percent of workers in the highest wage
category. (See chart 1 and table 1.)
The share of premiums workers were required to pay for their medical coverage varied by bargaining
status. Private industry nonunion workers were responsible for 23 percent of the total single coverage
medical premium, whereas the share of premiums for union workers was 13 percent. The share of
premiums for family coverage was 35 percent for nonunion workers and 16 percent for union workers.
(See chart 2 and tables 3 and 4.)
Chart 1. Access to retirement benefits by lowest and
highest wage categories, March 2015
Percent
Chart 2. Share of medical premiums paid by private
industry workers, March 2015
Percent
40
100
35
80
30
25
60
20
40
15
10
20
5
0
0
Private industry
State and local government
Lowest 10% of wages
Highest 10% of wages
Union
Single coverage
Nonunion
Family coverage
These data are from the National Compensation Survey (NCS), which provides comprehensive
measures of compensation cost levels and trends as well as incidence and provisions of employee
benefit plans.
Additional findings include:

Full-time workers in state and local government had high rates of access to major benefits: 99
percent had access to retirement and medical care benefits, and 98 percent to paid sick leave. For
part-time workers, 39 percent had access to retirement benefits, 24 percent to medical care
benefits, and 42 percent to paid sick leave. (See tables 1, 2, and 6.)

Paid holidays were provided to 90 percent of full-time and 37 percent of part-time workers in
private industry. In state and local government, 74 percent of full-time workers and 30
percent of part-time workers had access. (See table 6 and Technical Note.)

Access to benefits differed among some occupational groups. For private industry, 87 percent
of workers in management, professional, and related occupations had access to medical care,
compared with 41 percent in service occupations. In state and local government, the
corresponding figures were 89 percent and 82 percent, respectively. (See table 2.)

For civilian workers, access rates to medical care ranged from 53 percent for the smallest
establishments (those with fewer than 50 workers) to 90 percent for the largest establishments
(those employing 500 workers or more). Access to retirement benefits ranged by establishment
size from 46 percent to 91 percent. (See tables 1 and 2.)

Access to medical care benefits for private industry workers was 86 percent in goodsproducing industries, compared with 66 percent for workers in service-providing industries. The
employee share of family medical premiums was 27 percent for workers in goods-producing
industries and 33 percent for workers in service-providing industries. (See tables 2 and 4.)
More information can be obtained by calling (202) 691-6199, sending e-mail to [email protected], or
by visiting www.bls.gov/ebs.
NOTE
More information will be published in September 2015 on the incidence and provisions of health care
benefits, retirement benefits, life insurance, short-term and long-term disability benefits, paid holidays
and vacations, and other selected benefits. For the latest benefit publications see www.bls.gov/ebs.
-2-
TECHNICAL NOTE
Data in this release are from the National Compensation Survey (NCS), conducted by the U.S.
Department of Labor, Bureau of Labor Statistics (BLS). This release contains March 2015 data on
civilian, private industry, and state and local government workers in the United States. Excluded are
federal government workers, the military, agricultural workers, private household workers, and the
self-employed. This news release provides data on the incidence of (access to and participation in)
selected benefits and the share of premiums paid by employers and employees for medical care.
Calculation details
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 unpublished March 2015 wages and salaries from the Employer Costs for
Employee Compensation.
The percentiles were computed using earnings and scheduled hours of work reported for individual
workers in sampled establishment jobs. Establishments in the survey are asked to report only
individual worker earnings for each sampled job. For the calculation of the hourly percentile values,
the individual worker hourly earnings are weighted and arrayed from lowest to highest. The values
corresponding to the percentiles are:
Hourly wage percentiles
Characteristics
Civilian workers
Private industry workers
State and local government workers
10
25
$9.09
9.00
12.40
$12.02
11.64
16.35
50
(median)
$18.18
17.40
23.76
75
90
$29.10
27.89
35.56
$44.36
43.27
49.40
The lowest 10-percent and 25-percent wage categories include those occupations with an average
hourly wage less than the 10th percentile value and 25th percentile value, respectively. The second 25percent 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 10percent 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.)
The tables on employer and employee medical premiums (tables 3 and 4) include participants in all
medical plans, with calculations for both single and family coverage. The calculations are not based on
actual decisions regarding medical coverage made by employees within the occupations. Rather, the
premium calculations are based on the assumption that all employees in the occupation can opt for
either single or family coverage.
-3-
Medical care
Medical care plans provide services or payments for services rendered in the hospital or by a qualified
medical care provider.
Retirement plans
Differences in retirement plan participation are influenced by type of plan offered. In defined benefit
plans participation is often mandatory, after meeting eligibility requirements, while participation in
defined contribution plans is often voluntary.
Take-up rates
Take-up rates are the percentage of workers with access to a plan who participate in the plan. They are
computed by using the number of workers participating in a plan divided by the number of workers
with access to the plan, multiplied by 100, and rounded to the nearest one percent. Since the
computation of take-up rates is based on the number of workers collected rather than rounded
percentage estimates, the take-up rates in the tables may not equal the ratio of participation to access
estimates.
Comparing private and public sector data
Incidence of employee benefits in state and local government should not be directly compared to
private industry. Differences between these sectors stem from factors such as variation in work
activities and occupational structures. Manufacturing and sales, for example, make up a large part of
private industry work activities but are rare in state and local government. Professional and
administrative support occupations (including teachers) account for two-thirds of the state and local
government workforce, compared with one-half of private industry.
Leave benefits for teachers
Primary, secondary, and special education teachers typically have a work schedule of 37 or 38 weeks
per year. Because of this work schedule, they are generally not offered vacation or holidays. In many
cases, the time off during winter and spring breaks during the school year are not considered vacation
days for the purposes of this survey.
Sample size
Data for the March 2015 reference period were collected from a probability sample of about 8,600
establishments in private industry and approximately 1,500 establishments in state and local
government.
Survey scope
The March 2015 NCS benefits survey represented approximately 131 million civilian workers; of this
number, about 112 million were private industry workers and nearly 19 million were state and local
government workers.
Obtaining information
For research articles on employee benefits, see the Monthly Labor Review at
www.bls.gov/opub/mlr/home.htm and Beyond the Numbers: Pay and Benefits at
www.bls.gov/opub/btn. For further technical information, see Chapter 8, "National Compensation
Measures," of the BLS Handbook of Methods at www.bls.gov/opub/hom/pdf/homch8.pdf.
-4-
Table 1. Retirement benefits:1 Access, participation, and take-up rates,2 National Compensation Survey, March
2015
(All workers = 100 percent)
Civilian3
Characteristics
Private industry
Participation
Take-up
rate
69
53
77
83
85
82
84
71
75
69
74
95
83
46
79
72
68
74
69
State and local government
Participation
Take-up
rate
66
49
74
85
88
84
87
80
84
78
–
67
74
63
–
84
68
30
62
52
39
60
56
88
82
64
79
72
57
80
81
–
–
39
62
70
68
72
66
64
73
72
75
68
52
59
54
59
50
82
81
76
79
73
Full time .................................................................
Part time ................................................................
80
38
64
20
Union .....................................................................
Nonunion ...............................................................
94
65
Average wage within the following categories:4
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 perecent ..........................................
Highest 10 percent ........................................
42
31
71
81
89
90
Access
All workers .............................................................
Participation
Take-up
rate
90
81
90
84
88
81
–
92
–
92
91
82
–
81
81
89
–
89
89
–
–
22
31
49
38
56
52
–
–
55
50
70
57
78
80
99
–
85
92
89
–
90
96
89
–
77
84
81
–
82
88
90
–
91
92
91
–
91
92
59
71
71
75
67
47
57
53
59
48
79
80
75
78
71
–
–
85
–
–
–
–
78
–
–
–
–
91
–
–
81
54
76
37
59
19
78
51
99
39
89
33
90
85
85
48
90
74
92
63
82
46
90
72
97
84
88
75
90
90
22
12
53
68
79
80
52
40
75
83
88
90
40
31
67
78
86
88
19
12
47
63
75
78
48
39
70
81
88
89
75
61
93
94
98
98
67
54
83
84
89
89
90
89
89
89
91
91
Access
Access
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
See footnotes at end of table.
5
Table 1. Retirement benefits:1 Access, participation, and take-up rates,2 National Compensation Survey, March
2015—continued
(All workers = 100 percent)
Civilian3
Characteristics
Access
Private industry
Participation
Take-up
rate
Access
State and local government
Participation
Take-up
rate
Access
Participation
Take-up
rate
Establishment characteristics
Goods-producing industries ...................................
75
61
82
75
61
81
–
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
68
77
86
89
87
71
91
91
52
63
76
80
76
54
78
84
76
82
88
89
87
76
85
92
64
69
69
–
87
69
–
–
46
53
59
–
76
52
–
–
72
77
86
–
88
75
–
–
90
91
91
92
87
89
95
91
81
80
81
82
76
77
81
84
90
88
89
89
87
87
85
92
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
52
46
67
86
81
91
36
33
46
69
61
79
70
71
69
81
75
87
51
46
66
84
80
89
35
32
44
65
58
76
69
70
67
78
72
85
78
70
91
91
88
93
70
63
80
82
80
83
89
90
89
90
91
89
70
71
70
69
70
72
67
73
71
75
64
65
64
57
56
57
52
53
52
50
57
56
58
50
46
51
80
79
81
75
75
72
75
78
78
78
77
71
80
67
69
67
66
67
67
63
70
69
73
60
61
59
53
52
53
46
48
45
44
53
53
55
44
42
45
78
76
79
71
72
67
70
76
76
75
74
68
76
91
86
93
91
91
93
90
87
85
91
90
88
91
81
78
82
81
80
81
83
78
78
79
82
76
85
89
91
89
89
88
87
92
90
92
87
91
86
93
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 Includes defined benefit pension plans and defined contribution retirement plans. Workers are considered as having access or as participating if they have access to or are
participating in at least one of these plan types.
2 The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation. See Technical Note for more
details.
3 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See Technical Note
for further explanation.
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 ECEC data for March 2015.
Note: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
6
Table 2. Medical care benefits: Access, participation, and take-up rates,1 National Compensation Survey, March
2015
(All workers = 100 percent)
Civilian2
Characteristics
Private industry
Participation
Take-up
rate
72
53
74
87
94
85
83
68
72
66
67
97
85
46
70
71
59
78
78
State and local government
Participation
Take-up
rate
69
50
72
78
76
78
80
87
95
83
–
66
71
63
–
77
61
31
58
51
40
58
62
80
72
66
83
73
69
74
80
–
–
41
42
69
59
77
76
73
81
76
83
70
61
63
56
62
51
83
78
74
74
72
Full time .................................................................
Part time ................................................................
88
22
67
13
Union .....................................................................
Nonunion ...............................................................
95
68
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 perecent ..........................................
Highest 10 percent ........................................
37
23
77
88
94
94
Access
All workers .............................................................
Participation
Take-up
rate
87
73
83
76
75
76
–
89
–
89
88
74
–
73
72
82
–
82
82
–
–
24
28
49
40
56
60
–
–
60
68
71
69
73
79
98
–
82
89
88
–
88
94
79
–
69
78
74
–
74
81
81
–
85
88
84
–
84
85
71
80
76
83
69
58
62
56
62
50
82
77
73
74
71
–
–
82
–
–
–
–
70
–
–
–
–
85
–
–
76
59
86
21
64
12
74
57
99
24
83
18
84
73
79
49
84
72
95
67
79
47
83
71
95
81
80
67
84
83
22
12
56
69
74
75
60
51
73
78
79
80
34
23
75
86
93
94
20
11
52
65
72
74
57
50
70
76
78
79
70
54
91
93
97
97
56
43
78
78
81
82
80
80
85
84
84
85
Access
Access
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
See footnotes at end of table.
7
Table 2. Medical care benefits: Access, participation, and take-up rates,1 National Compensation Survey, March
2015—continued
(All workers = 100 percent)
Civilian2
Characteristics
Access
Private industry
Participation
Take-up
rate
Access
State and local government
Participation
Take-up
rate
Access
Participation
Take-up
rate
Establishment characteristics
Goods-producing industries ...................................
86
67
78
86
67
78
–
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
70
80
85
87
87
76
91
88
51
59
68
69
72
54
68
77
74
75
80
79
83
70
75
87
66
75
75
–
89
75
–
–
47
52
56
–
67
52
–
–
71
70
75
–
76
69
–
–
87
88
88
88
86
88
94
88
73
72
72
70
75
72
78
77
83
81
81
80
87
81
83
87
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
53
71
85
81
90
41
38
50
65
60
71
71
72
71
76
73
79
57
53
70
84
81
89
40
38
49
62
58
68
71
71
70
74
72
76
75
66
89
89
85
91
63
56
73
74
72
75
83
84
82
83
84
83
72
71
73
73
73
75
72
72
73
72
70
68
71
54
50
55
53
52
56
53
53
53
53
54
52
55
75
70
76
73
72
75
73
73
73
73
78
77
78
70
69
70
70
70
70
69
71
72
69
67
66
67
50
46
52
49
49
49
49
51
52
49
51
49
52
72
68
74
71
71
70
71
72
72
71
76
75
76
87
86
88
90
89
93
91
82
80
86
88
87
88
76
72
78
74
70
83
75
66
64
70
75
73
75
87
84
88
82
78
90
83
80
80
81
85
84
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 take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation. See Technical Note for more
details.
2 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See Technical Note
for further explanation.
3 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 ECEC data for March 2015.
Note: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
8
Table 3. Medical plans: Share of premiums paid by employer and employee for single
coverage, National Compensation Survey, March 2015
(In percent)
Civilian1
Characteristics
All workers participating in single coverage
medical plans .......................................................
Employer
share of
premium
State and local
government
Private industry
Employee
share of
premium
Employer
share of
premium
Employee
share of
premium
Employer
share of
premium
Employee
share of
premium
80
20
78
22
87
13
82
80
83
87
18
20
17
13
80
79
81
–
20
21
19
–
87
–
87
88
13
–
13
12
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
87
80
79
85
78
74
80
80
13
20
21
15
22
26
20
20
–
–
75
76
77
73
79
79
–
–
25
24
23
27
21
21
87
–
87
87
88
–
88
87
13
–
13
13
12
–
12
13
83
78
80
79
80
17
22
20
21
20
82
77
79
79
80
18
23
21
21
20
–
–
87
–
–
–
–
13
–
–
Full time .................................................................
Part time ................................................................
81
74
19
26
79
73
21
27
88
82
12
18
Union .....................................................................
Nonunion ...............................................................
87
78
13
22
87
77
13
23
87
88
13
12
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 perecent ..........................................
Highest 10 percent ........................................
75
71
79
81
82
82
25
29
21
19
18
18
73
70
77
79
81
80
27
30
23
21
19
20
87
88
88
88
86
88
13
12
12
12
14
12
See footnotes at end of table.
9
Table 3. Medical plans: Share of premiums paid by employer and employee for single
coverage, National Compensation Survey, March 2015—continued
(In percent)
Civilian1
Characteristics
Employer
share of
premium
State and local
government
Private industry
Employee
share of
premium
Employer
share of
premium
Employee
share of
premium
Employer
share of
premium
Employee
share of
premium
Establishment characteristics
Goods-producing industries ...................................
80
20
80
20
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
80
83
86
86
86
81
82
88
20
17
14
14
14
19
18
12
78
80
81
–
80
80
–
–
22
20
19
–
20
20
–
–
87
87
87
87
89
87
88
88
13
13
13
13
11
13
12
12
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
79
79
78
81
79
83
21
21
22
19
21
17
78
78
77
79
78
80
22
22
23
21
22
20
91
91
91
87
87
87
9
9
9
13
13
13
82
78
83
79
79
80
80
79
79
79
82
81
82
18
22
17
21
21
20
20
21
21
21
18
19
18
80
77
82
77
77
76
78
77
78
75
81
80
81
20
23
18
23
23
24
22
23
22
25
19
20
19
87
84
89
88
88
88
87
88
86
91
86
89
85
13
16
11
12
12
12
13
12
14
9
14
11
15
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal
government. See Technical Note for further explanation.
2 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 ECEC data for March
2015.
Note: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
10
Table 4. Medical plans: Share of premiums paid by employer and employee for family
coverage, National Compensation Survey, March 2015
(In percent)
Civilian1
Characteristics
All workers participating in family coverage
medical plans .......................................................
Employer
share of
premium
State and local
government
Private industry
Employee
share of
premium
Employer
share of
premium
Employee
share of
premium
Employer
share of
premium
Employee
share of
premium
69
31
68
32
71
29
70
70
70
68
30
30
30
32
70
69
70
–
30
31
30
–
70
–
69
68
30
–
31
32
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
67
72
65
75
66
62
68
68
33
28
35
25
34
38
32
32
–
–
62
64
65
62
67
68
–
–
38
36
35
38
33
32
66
–
73
78
73
–
73
74
34
–
27
22
27
–
27
26
71
66
72
73
72
29
34
28
27
28
71
65
72
73
72
29
35
28
27
28
–
–
72
–
–
–
–
28
–
–
Full time .................................................................
Part time ................................................................
69
63
31
37
68
63
32
37
71
69
29
31
Union .....................................................................
Nonunion ...............................................................
81
65
19
35
84
65
16
35
78
64
22
36
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 perecent ..........................................
Highest 10 percent ........................................
59
57
66
70
73
74
41
43
34
30
27
26
59
57
65
69
72
72
41
43
35
31
28
28
64
56
73
71
74
78
36
44
27
29
26
22
See footnotes at end of table.
11
Table 4. Medical plans: Share of premiums paid by employer and employee for family
coverage, National Compensation Survey, March 2015—continued
(In percent)
Civilian1
Characteristics
Employer
share of
premium
State and local
government
Private industry
Employee
share of
premium
Employer
share of
premium
Employee
share of
premium
Employer
share of
premium
Employee
share of
premium
Establishment characteristics
Goods-producing industries ...................................
73
27
73
27
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
68
67
66
64
72
68
73
77
32
33
34
36
28
32
27
23
67
67
66
–
69
67
–
–
33
33
34
–
31
33
–
–
71
67
66
64
73
71
71
77
29
33
34
36
27
29
29
23
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
63
63
63
72
69
74
37
37
37
28
31
26
62
62
62
72
69
76
38
38
38
28
31
24
72
75
69
71
69
72
28
25
31
29
31
28
76
74
77
63
64
62
61
70
72
67
69
67
70
24
26
23
37
36
38
39
30
28
33
31
33
30
74
72
75
63
64
65
62
69
71
66
69
68
69
26
28
25
37
36
35
38
31
29
34
31
32
31
85
79
86
60
68
54
54
77
81
71
72
65
75
15
21
14
40
32
46
46
23
19
29
28
35
25
Geographic areas
Northeast ...............................................................
New England .....................................................
Middle Atlantic ...................................................
South .....................................................................
South Atlantic ....................................................
East South Central ............................................
West South Central ...........................................
Midwest .................................................................
East North Central .............................................
West North Central ............................................
West ......................................................................
Mountain ............................................................
Pacific ................................................................
1 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal
government. See Technical Note for further explanation.
2 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 ECEC data for March
2015.
Note: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related
terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
12
Table 5. Life insurance benefits: Access, participation, and take-up rates,1 National Compensation Survey, March
2015
(All workers = 100 percent)
Civilian2
Characteristics
Private industry
Participation
Take-up
rate
60
59
97
78
85
75
72
77
84
74
71
82
77
35
71
58
45
65
60
State and local government
Participation
Take-up
rate
57
56
97
99
99
98
98
77
85
73
–
77
85
72
–
81
76
33
68
56
43
64
58
98
99
95
96
98
96
98
97
–
–
28
50
56
44
63
56
53
66
66
72
60
52
64
63
70
57
98
97
96
97
95
Full time .................................................................
Part time ................................................................
75
14
74
12
Union .....................................................................
Nonunion ...............................................................
86
56
Average wage within the following categories:3
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 perecent ..........................................
Highest 10 percent ........................................
25
13
63
76
85
89
Access
All workers .............................................................
Participation
Take-up
rate
80
78
98
99
99
99
–
80
–
79
78
78
–
77
76
97
–
97
97
–
–
26
45
54
43
62
55
–
–
93
89
98
96
98
97
85
–
77
86
80
–
80
92
84
–
75
84
78
–
79
91
98
–
98
98
98
–
98
99
48
64
65
71
59
47
62
63
69
56
98
97
96
97
95
–
–
77
–
–
–
–
76
–
–
–
–
98
–
–
98
89
72
13
71
11
98
88
90
23
88
21
98
95
84
55
98
97
86
54
83
53
97
98
86
74
85
72
98
97
23
11
62
74
85
88
92
89
98
98
99
99
22
12
59
72
84
89
20
11
57
71
84
88
91
88
97
98
99
99
63
48
84
83
89
89
61
46
82
82
87
86
97
96
98
98
97
96
Access
Access
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
See footnotes at end of table.
13
Table 5. Life insurance benefits: Access, participation, and take-up rates,1 National Compensation Survey, March
2015—continued
(All workers = 100 percent)
Civilian2
Characteristics
Access
Private industry
Participation
Take-up
rate
Access
State and local government
Participation
Take-up
rate
Access
Participation
Take-up
rate
Establishment characteristics
Goods-producing industries ...................................
71
70
98
71
70
98
–
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
58
69
76
76
84
64
88
83
57
67
74
74
81
63
87
81
97
98
98
98
97
98
99
98
54
63
64
–
86
62
–
–
53
62
64
–
85
62
–
–
97
99
100
–
99
99
–
–
80
79
79
78
83
80
89
83
78
77
77
76
79
77
86
81
98
97
97
98
95
96
97
98
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
41
36
56
78
71
85
40
35
53
76
69
84
97
97
95
98
98
98
40
35
55
77
71
86
39
34
53
75
69
85
96
97
95
98
98
99
63
62
64
82
74
85
61
60
62
80
73
83
97
97
97
98
97
98
60
59
60
63
62
64
64
63
63
62
54
57
52
59
57
60
61
60
62
61
61
61
61
52
56
51
99
98
99
97
98
97
96
97
97
98
98
97
98
57
56
57
59
58
59
61
60
61
59
50
54
48
56
56
56
57
57
58
58
59
59
57
49
53
47
99
99
99
97
98
98
95
97
97
97
98
97
98
81
72
85
82
83
85
77
79
79
79
75
80
74
79
66
84
79
81
80
76
77
76
79
74
79
73
98
93
99
97
98
93
98
98
96
100
99
99
99
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 take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation. See Technical Note for more
details.
2 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See Technical Note
for further explanation.
3 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 ECEC data for March 2015.
Note: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
14
Table 6. Selected paid leave benefits: Access, National Compensation Survey, March 2015
(All workers = 100 percent)
Civilian1
Characteristics
All workers .............................................................
Paid sick
leave
Paid
vacation
Private industry
Paid
holidays
Paid sick
leave
Paid
vacation
State and local government
Paid
holidays
Paid sick
leave
Paid
vacation
Paid
holidays
65
74
75
61
76
77
90
60
67
84
88
82
83
76
95
68
17
80
95
73
35
81
88
78
–
88
96
83
–
89
97
84
–
91
–
91
89
43
–
36
12
55
–
50
31
95
79
45
71
67
53
75
57
13
85
56
79
79
70
85
80
30
86
54
81
80
70
86
83
–
–
39
43
65
53
73
53
–
–
53
65
79
70
85
78
–
–
50
73
80
69
86
82
96
–
86
90
89
–
90
95
9
–
76
89
84
–
85
96
27
–
79
87
85
–
86
97
43
70
58
58
58
67
91
82
90
74
72
93
84
91
78
36
67
56
57
55
63
91
83
90
75
69
92
85
91
78
–
–
88
–
–
–
–
63
–
–
–
–
73
–
–
Full time .................................................................
Part time ................................................................
78
26
87
33
88
36
74
24
91
34
90
37
98
42
67
21
74
30
Union .....................................................................
Nonunion ...............................................................
85
62
74
74
80
74
73
60
89
75
90
75
97
83
57
61
69
66
Average wage within the following categories:2
Lowest 25 percent .............................................
Lowest 10 percent .........................................
Second 25 percent ............................................
Third 25 percent ................................................
Highest 25 perecent ..........................................
Highest 10 percent ........................................
34
22
69
78
87
89
50
39
83
88
79
79
50
37
84
89
83
83
31
22
66
73
84
86
48
40
84
89
91
92
48
36
84
90
92
93
76
63
93
93
97
98
57
41
84
64
37
37
64
49
87
73
49
47
Worker characteristics
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Teachers ........................................................
Primary, secondary, and special education
school teachers ........................................
Registered nurses .........................................
Service ...................................................................
Protective service ..............................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
See footnotes at end of table.
15
Table 6. Selected paid leave benefits: Access, National Compensation Survey, March 2015—continued
(All workers = 100 percent)
Civilian1
Characteristics
Paid sick
leave
Paid
vacation
Private industry
Paid
holidays
Paid sick
leave
Paid
vacation
State and local government
Paid
holidays
Paid sick
leave
Paid
vacation
Paid
holidays
Establishment characteristics
Goods-producing industries ...................................
59
88
90
58
88
90
–
–
–
Service-providing industries ..................................
Education and health services ...........................
Educational services ......................................
Elementary and secondary schools ...........
Junior colleges, colleges, and universities
Health care and social assistance .................
Hospitals ....................................................
Public administration .........................................
66
79
86
89
86
74
86
89
71
65
39
27
67
83
92
89
73
72
53
42
79
85
93
88
62
72
73
–
80
72
–
–
74
78
53
–
73
83
–
–
74
81
63
–
80
85
–
–
90
90
90
91
89
88
92
89
59
43
36
26
64
88
94
89
67
55
50
41
78
88
94
88
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
53
50
60
77
70
84
68
65
76
79
80
78
68
66
74
82
81
82
52
49
58
72
67
80
68
65
76
86
83
90
68
66
74
86
83
91
80
72
91
91
88
92
66
65
67
59
61
58
69
67
72
67
64
68
69
66
71
66
67
65
64
62
61
65
64
60
66
73
70
75
76
76
76
76
74
74
74
70
70
70
75
73
76
77
78
76
75
75
74
77
73
69
75
66
62
67
61
62
58
60
58
57
61
60
57
61
76
74
77
78
78
79
79
77
77
77
71
72
71
77
76
78
78
78
77
79
76
76
78
73
71
75
90
89
91
91
92
91
88
87
86
90
89
83
92
56
48
60
62
65
64
54
55
53
58
63
53
67
60
54
63
69
77
71
56
67
66
69
69
58
73
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 Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See Technical Note for
further explanation.
2 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 ECEC data for March 2015.
Note: Dash indicates no workers in this category or data did not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20142015.htm.
16