Table 31. Savings and thrift plans: Method of distribution of retirement
benefits, private industry workers, National Compensation Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)
                                                                           
                                                                           
                                      Method of distribution(1)            
                                                                           
     Characteristics                                                       
                                              Installm-              Not   
                           Lump sum  Annuity     ents    Other(2) determin-
                                                                     able  
                                                                           
                                                                           
                                                                           
  Worker characteristic                                                    
                                                                           
All workers..............        90        15        27        12        10
                                                                           
Management, professional,                                                  
and related..............        88        18        27         9        11
  Management, business,                                                    
  and financial..........        87        16        26        11        13
  Professional and                                                         
  related................        89        19        27         7        10
Service..................        93        18        29         –         6
Sales and office.........        93        16        32        13         7
  Sales and related......        95         9        29        19         5
  Office and                                                               
  administrative support         92        18        33        10         7
Natural resources,                                                         
construction, and                                                          
maintenance..............        85        18        27        13        14
  Construction,                                                            
  extraction, farming,                                                     
  fishing, and forestry..        82         –        25         –        18
  Installation,                                                            
  maintenance, and repair        88        20        28         9        12
Production,                                                                
transportation, and                                                        
material moving..........        88         –        21        16        12
  Production.............        90         –        27        18        10
  Transportation and                                                       
  material moving........        86         –         –         –        14
                                                                           
Full time................        89        15        27        12        10
Part time................        94        19        28        12         4
                                                                           
Union....................        92        23        41         –         7
Nonunion.................        89        14        26        12        10
                                                                           
Average wage within the                                                    
following categories:(3)                                                   
  Lowest 25 percent......        91        14        23        11         8
    Lowest 10 percent....        96         –        20         –         3
  Second 25 percent......        91        13        27        13         8
  Third 25 percent.......        91        13        28        12         9
  Highest 25 percent.....        88        18        29        11        11
    Highest 10 percent...        90        16        27        10         9
                                                                           
      Establishment                                                        
     characteristic                                                        
                                                                           
Goods-producing                                                            
industries...............        90         6        24        20        10
  Construction...........        90         –        26         –        10
  Manufacturing..........        89         –        25        22        11
                                                                           
Service-providing                                                          
industries...............        90        18        28         9        10
  Trade, transportation,                                                   
  and utilities..........        92        10        23        13         8
    Wholesale trade......        93         –        12         –         7
    Retail trade.........        93        11        22        17         7
    Transportation and                                                     
    warehousing..........        85         –         –         –        15
  Information............        93        33        47         –         7
  Financial activities...        89        19        28        13        11
    Finance and insurance        93        20        30        15         7
      Credit                                                               
      intermediation and                                                   
      related activities         91        13        36        19         9
      Insurance carriers                                                   
      and related                                                          
      activities.........        93        32        23        11         6
  Professional and                                                         
  business services......        88        22        29         –        12
    Professional and                                                       
    technical services...        89        30         –         –        11
  Education and health                                                     
  services...............        86        23        31         –        11
    Educational services         80        33        17         –         9
      Junior colleges,                                                     
      colleges, and                                                        
      universities.......        84        40        23         –        13
    Health care and                                                        
    social assistance....        87        21        33         –        11
                                                                           
1 to 99 workers..........        90        12        33        11        10
  1 to 49 workers........        89        14        32        12        11
  50 to 99 workers.......        90         8        34         –        10
100 workers or more......        90        17        24        12         9
  100 to 499 workers.....        91        17        22        11         8
  500 workers or more....        88        17        27        14        10
                                                                           
     Geographic area                                                       
                                                                           
New England..............        84         –        19         8        16
Middle Atlantic..........        84        14        26         –        15
East North Central.......        91        12        27        11         8
West North Central.......        89         –        27         –        10
South Atlantic...........        86        19        36        12        13
East South Central.......        95         –        25         –         4
West South Central.......        92        15        26        17         7
Mountain.................        96         –        26        20         4
Pacific..................        95        16        24         –         5

  1 Sum of individual items may be greater than total because multiple
methods of distribution are available to some employees
  2 Includes methods of distribution not calulated separately (e.g.,
employer stock).
  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.