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Employee Benefits Survey
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Retirement benefits: Access, participation, and take-up rates Data Table

Table 2. Retirement benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2008

(All workers = 100 percent)

Characteristics

All retirement benefits3

Defined benefit

Defined contribution

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

All workers

66

56

86

31

29

96

52

39

76

Worker characteristics

                 

Management, professional, and related

81

74

92

46

44

96

59

47

80

    Management, business, and financial

83

79

94

43

41

96

72

61

86

    Professional and related

80

73

91

47

46

96

54

42

77

        Teachers

82

79

96

71

68

96

29

20

68

            Primary, secondary, and special education
             school teachers

90

88

98

84

82

98

20

11

57

        Registered nurses

80

68

85

38

36

97

64

45

70

Service

44

34

76

19

18

96

32

20

62

Sales and office

67

57

85

25

23

94

59

46

77

    Sales and related

60

46

77

15

14

90

57

41

73

    Office and administrative support

71

64

90

31

29

96

60

48

80

Natural resources, construction, and maintenance

65

56

86

31

30

98

51

39

77

    Construction, extraction, farming, fishing, and
     forestry

61

51

84

30

30

99

44

33

75

    Installation, maintenance, and repair

69

61

88

32

31

96

59

46

78

Production, transportation, and material moving

66

55

83

29

27

96

55

41

74

    Production

68

57

84

28

28

98

60

45

74

    Transportation and material moving

64

53

82

29

27

94

50

36

73

Full time

75

66

87

36

34

96

60

46

77

Part time

33

25

76

13

12

92

26

17

65

Union

90

86

96

80

77

97

40

30

76

Nonunion

61

51

83

21

20

95

54

41

76

Average wage within the following percentiles:4

                 

    Less than 10

26

15

59

5

5

88

24

13

54

    10 to under 25

45

32

72

12

11

91

39

25

65

    25 to under 50

66

55

83

25

24

96

54

40

73

    50 to under 75

76

68

90

36

35

96

59

46

79

    75 to under 90

84

78

93

53

52

97

61

49

81

    90 or greater

88

82

94

53

51

96

67

56

84

Establishment characteristics

                 

Goods-producing industries

72

62

87

30

29

98

63

50

79

Service-providing industries

64

55

86

31

29

95

50

37

75

    Education and health services

75

67

90

46

44

96

45

32

72

        Educational services

85

82

96

73

71

96

30

20

69

            Elementary and secondary schools

89

87

98

85

83

98

18

10

57

            Junior colleges, colleges, and universities

85

79

93

54

49

90

59

45

76

        Health care and social assistance

67

56

84

26

25

96

56

41

73

            Hospitals

88

78

88

51

49

96

69

49

70

    Public administration

89

86

96

83

79

96

32

21

64

1 to 99 workers

47

39

82

12

11

96

41

32

78

    1 to 49 workers

42

35

83

9

9

96

38

30

80

    50 to 99 workers

59

48

81

18

17

96

51

38

74

100 workers or more

82

72

88

47

45

96

61

45

74

    100 to 499 workers

75

63

85

32

30

96

61

46

75

    500 workers or more

89

80

90

61

59

96

61

45

73

Geographic areas

                 

New England

60

53

89

29

27

96

46

38

82

Middle Atlantic

66

60

91

35

34

96

48

40

82

East North Central

67

59

89

33

32

96

54

41

76

West North Central

68

60

89

30

28

94

54

44

81

South Atlantic

68

56

83

29

28

94

58

41

70

East South Central

70

53

76

26

25

96

55

35

64

West South Central

61

52

84

27

26

97

49

36

73

Mountain

67

56

83

27

26

96

54

41

76

Pacific

64

55

86

33

32

96

47

37

78

Footnotes:

1The 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.

2Includes 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.

3Includes defined benefit pension plans and defined contribution retirement plans.

4The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2007." See Technical Note for more details.