Defined benefit retirement plans: Employee contribution requirement and method of contribution

Table 3. Defined benefit retirement plans: Employee contribution requirement and method
of contribution, State and local government workers, National Compensation Survey,
March 2012

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Employee
contribution
required

Fixed percent of annual earnings1

Employee
contribution
not required

Total

Mean fixed
percent of
annual
earnings

Median fixed
percent of
annual
earnings

All workers

83

78

6.6

6.4

17

Worker characteristics

         

Management, professional, and related

84

78

6.6

6.4

16

    Professional and related

85

15

        Teachers

85

80

6.8

6.5

15

            Primary, secondary, and special education
             school teachers

85

80

6.9

6.5

15

Service

84

79

6.8

6.5

16

    Protective service

83

79

7.1

7.0

17

Sales and office

83

79

6.8

6.3

17

    Office and administrative support

83

79

6.9

6.4

17

Natural resources, construction, and maintenance

80

76

5.8

6.0

20

Production, transportation, and material moving

83

76

6.3

6.4

17

Full time

83

78

6.5

6.4

17

Part time

86

78

7.6

7.0

14

Union

84

16

Nonunion

83

81

6.7

6.4

17

Average wage within the following categories:2

         

    Lowest 25 percent

83

80

6.7

6.4

17

        Lowest 10 percent

84

82

6.7

6.5

16

    Second 25 percent

84

79

6.7

6.4

16

    Highest 25 percent

85

79

6.7

6.5

15

        Highest 10 percent

87

78

6.9

7.3

13

Establishment characteristics

         

Service-providing industries

83

78

6.6

6.4

17

    Education and health services

85

79

6.8

6.5

15

        Educational services

86

80

6.9

6.5

14

            Junior colleges, colleges, and universities

85

82

6.6

6.5

15

        Healthcare and social assistance

75

69

5.7

5.0

25

            Hospitals

72

70

5.8

5.9

28

    Public administration

81

76

6.3

6.0

19

1 to 99 workers

80

76

7.6

6.0

20

    1 to 49 workers

86

83

5.7

6.0

14

    50 to 99 workers

72

67

6.3

28

100 workers or more

84

79

6.5

6.4

16

    100 to 499 workers

81

75

6.7

6.5

19

    500 workers or more

85

79

6.4

6.4

15

State government

84

78

6.0

6.0

16

Geographic areas

         

New England

98

70

6.2

5.5

2

Middle Atlantic

94

93

5.5

6.3

6

East North Central

68

60

7.9

9.4

32

West North Central

95

95

5.9

5.0

5

Pacific

81

66

7.9

7.0

19

1The employee contributes a fixed percentage of his or her
earnings to the retirement plan.


NOTE: Because of rounding, sums of individual items may not
equal totals. 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/glossary20112012.htm.

2The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2010." See
Technical Note for more details.