Retirement benefits: Access, participation, and take-up rate of defined benefit and defined contribution plans for civilian workers by wage category
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Retirement benefits: Access, participation, and take-up rates of defined benefit and defined contribution plans for civilian workers by wage category
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Retirement benefits: Access, participation, and take-up rates of defined benefit and defined contribution plans for civilian workers by wage category, March 2023
Wage category
Defined benefit access
Defined benefit participation
Defined benefit take-up rate
Defined contribution access
Defined contribution participation
Defined contribution take-up rate
Lowest 10 percent
5% 4% 89% 35% 16% 46%
Lowest 25 percent
8% 6% 76% 45% 23% 51%
Second 25 percent
18% 15% 80% 65% 44% 67%
Third 25 percent
30% 25% 82% 72% 55% 77%
Highest 25 percent
43% 34% 79% 77% 63% 83%
Highest 10 percent
40% 29% 73% 83% 71% 85%
United States Department of Labor
