Table 22. Savings and thrift plans: Summary of provisions, private industry workers, National Compensation Survey, 2009 (All workers participating in savings and thrift plans = 100 percent) Roth Automatic Pre-tax 401(k) enrollme- Automatic Characteristics contribu- contribu- nt escalati- tion tion provisio- on (post-ta- n(2) feature x)(1) Worker characteristic All workers.............. 100 30 19 8 Management, professional, and related.............. 100 32 19 9 Management, business, and financial.......... 100 33 18 8 Professional and related................ 100 32 20 10 Service.................. 100 31 13 – Protective service..... 100 – – – Sales and office......... 100 32 20 7 Sales and related...... 100 29 26 – Office and administrative support 100 33 18 7 Natural resources, construction, and maintenance.............. 100 23 10 – Construction, extraction, farming, fishing, and forestry.. 100 – – – Installation, maintenance, and repair 100 29 13 – Production, transportation, and material moving.......... 100 22 24 10 Production............. 100 27 24 15 Transportation and material moving........ 100 – 25 – Full time................ 100 30 19 8 Part time................ 100 22 20 – Union.................... 100 35 17 7 Nonunion................. 100 29 19 8 Average wage within the following categories:(3) Lowest 25 percent...... 100 30 11 – Lowest 10 percent.... 100 – – – Second 25 percent...... 100 20 21 7 Third 25 percent....... 100 27 18 8 Highest 25 percent..... 100 37 21 10 Highest 10 percent... 100 44 22 10 Establishment characteristic Goods-producing industries............... 100 21 20 14 Construction........... 100 – – – Manufacturing.......... 100 25 23 16 Service-providing industries............... 100 32 19 6 Trade, transportation, and utilities.......... 100 26 23 4 Wholesale trade...... 100 26 – – Retail trade......... 100 22 23 – Transportation and warehousing.......... 100 – – – Information............ 100 44 – – Financial activities... 100 36 26 12 Finance and insurance 100 38 28 13 Credit intermediation and related activities 100 25 13 – Insurance carriers and related activities......... 100 51 46 – Professional and business services...... 100 46 – – Professional and technical services... 100 49 – – Education and health services............... 100 14 15 9 Educational services 100 19 – – Junior colleges, colleges, and universities....... 100 20 – – Health care and social assistance.... 100 13 17 11 1 to 99 workers.......... 100 22 9 – 1 to 49 workers........ 100 24 10 – 50 to 99 workers....... 100 17 8 – 100 workers or more...... 100 34 25 10 100 to 499 workers..... 100 36 22 6 500 workers or more.... 100 32 28 15 Geographic area New England.............. 100 42 – – Middle Atlantic.......... 100 – 17 – East North Central....... 100 33 18 – West North Central....... 100 22 23 – South Atlantic........... 100 29 16 – East South Central....... 100 19 30 – West South Central....... 100 28 18 8 Mountain................. 100 30 22 11 Pacific.................. 100 25 19 – 1 Plans that combine features of traditional Roth IRA plans and 401(k) plans. Under these plans employees are allowed to have part or all of their retirement plan contributions be subject to all the same post-tax treatment as under a Roth IRA plan. 2 The employer that sponsors the plan 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. 3 The categories are based on the average wage for each occupation surveyed, which may include workers 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, 2008." See Technical Note for more details. NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20092010.htm.