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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 private industry workers, National Compensation
Survey, March 2008

(All workers = 100 percent)

Characteristics

All retirement benefits2

Defined benefit

Defined contribution

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

All workers

61

51

83

21

20

96

56

43

77

Worker characteristics

                 

Management, professional, and related

76

68

90

29

28

97

72

60

84

    Management, business, and financial

82

77

94

35

34

97

79

69

88

    Professional and related

73

64

88

26

26

96

69

56

81

Service

37

25

68

9

8

95

33

20

62

Sales and office

65

55

84

20

19

94

61

48

78

    Sales and related

60

46

77

15

13

89

57

41

73

    Office and administrative support

68

60

88

23

22

96

64

52

82

Natural resources, construction, and maintenance

62

52

84

26

25

98

53

41

77

    Construction, extraction, farming, fishing, and
     forestry

58

47

82

24

24

100

46

35

75

    Installation, maintenance, and repair

67

58

86

28

26

95

61

48

79

Production, transportation, and material moving

65

54

82

26

25

96

57

42

73

    Production

68

57

84

27

27

98

61

45

74

    Transportation and material moving

63

51

81

25

24

94

52

38

73

Full time

71

60

85

25

24

96

65

51

78

Part time

32

23

73

11

10

90

27

18

65

Union

85

80

95

69

67

97

50

42

83

Nonunion

59

48

81

16

15

95

57

43

76

Average wage within the following percentiles:3

                 

    Less than 10

25

14

57

4

4

87

24

13

54

    10 to under 25

41

28

68

9

8

89

38

24

63

    25 to under 50

63

50

80

16

15

95

58

43

74

    50 to under 75

70

61

87

25

24

97

63

51

80

    75 to under 90

79

73

91

40

38

97

70

59

83

    90 or greater

84

78

92

39

38

96

80

69

87

Establishment characteristics

                 

Goods-producing industries

71

62

86

30

29

98

64

50

79

    Construction

55

45

83

18

18

100

44

35

78

    Manufacturing

78

69

87

34

33

98

72

57

79

Service-providing industries

59

49

82

19

18

95

54

41

76

    Trade, transportation, and utilities

67

54

81

22

20

91

61

46

75

        Wholesale trade

76

66

87

16

16

98

72

60

83

        Retail trade

61

46

75

17

15

88

56

39

70

        Transportation and warehousing

73

63

86

41

36

88

59

46

78

        Utilities

94

93

99

85

84

98

85

72

85

    Information

78

73

94

49

48

98

77

62

80

    Financial activities

79

73

92

42

40

97

75

62

83

        Finance and insurance

88

82

94

50

48

97

84

70

83

            Credit intermediation and related activities

92

87

94

56

55

98

88

71

81

            Insurance carriers and related activities

83

77

93

45

44

96

79

67

86

        Real estate and rental and leasing

47

39

84

11

11

98

42

34

81

    Professional and business services

54

46

85

13

13

98

53

43

81

        Professional and technical services

71

63

89

9

9

100

70

61

87

        Administrative and waste services

33

24

74

10

10

99

31

21

69

    Education and health services

64

54

84

21

20

96

57

43

76

        Educational services

64

58

91

16

14

92

59

52

89

            Junior colleges, colleges, and universities

85

77

91

18

16

89

83

75

90

        Health care and social assistance

64

53

83

22

21

97

56

42

74

    Leisure and hospitality

30

18

59

3

2

96

29

16

56

        Accommodation and food services

29

17

57

3

3

96

28

15

54

    Other services

40

31

79

8

8

93

34

26

77

1 to 99 workers

45

37

81

9

9

96

42

33

78

    1 to 49 workers

41

34

82

8

7

96

39

31

80

    50 to 99 workers

58

45

79

14

13

95

52

39

74

100 workers or more

79

67

85

35

33

96

71

55

76

    100 to 499 workers

73

60

83

24

23

95

66

51

76

    500 workers or more

87

76

87

47

45

96

78

59

76

Geographic areas

                 

Metropolitan areas

62

53

84

23

22

96

57

44

78

Nonmetropolitan areas

57

44

77

14

14

96

54

38

71

New England

56

49

87

20

19

95

52

43

82

Middle Atlantic

62

55

90

27

26

97

53

44

82

East North Central

64

56

87

26

25

96

57

45

80

West North Central

64

56

87

23

22

95

58

48

82

South Atlantic

63

50

79

18

17

95

61

45

74

East South Central

65

45

69

63

40

64

West South Central

56

45

80

17

17

96

53

39

73

Mountain

63

51

80

18

17

94

60

45

75

Pacific

58

49

83

22

21

96

51

39

77

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 defined benefit pension plans and defined contribution retirement plans. The total is less than the sum of the individual items because many employees participated in both types of plans.

3The 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.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.