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Employee Benefits Survey
EBS EBS Program Links

Financial benefits: Access Standard Errors

Table 36. Standard errors for financial benefits: Access, private industry workers,  National Compensation Survey, March
2009

Characteristics

Health
savings
account

Section 125 cafeteria benefits

Pre-tax
savings with
no employer
contributions

Financial
planning

Stock options

Flexible
benefits

Dependent
care
reimburse-
ment
account

Health care
reimburse-
ment
account

Total1

Performance

Signing

Other

All workers

0.4

0.5

0.7

0.5

0.9

0.4

0.5

0.2

0.1

0.5

Worker characteristics

                    

Management, professional, and related

0.8

1.2

1.4

1.2

1.2

1.0

0.7

0.4

0.5

0.6

    Management, business, and financial

1.2

1.3

1.6

1.4

1.7

1.3

1.0

0.6

0.7

0.8

    Professional and related

0.9

1.5

1.8

1.5

1.3

1.0

0.8

0.5

0.5

0.6

Service

1.3

1.1

1.1

1.2

3.0

0.7

1.6

0.2

[2]

–

    Protective service

–

2.2

2.5

2.7

5.4

1.1

1.0

–

–

1.0

Sales and office

0.6

0.7

0.7

0.8

0.8

0.6

0.5

0.2

0.2

0.5

    Sales and related

0.9

0.6

1.0

1.1

1.1

0.8

0.8

0.2

0.2

0.7

    Office and administrative support

0.8

1.0

1.0

1.1

0.9

0.8

0.6

0.3

0.2

0.5

Natural resources, construction, and maintenance

0.8

0.8

1.1

1.0

1.1

0.7

0.8

0.4

0.2

0.7

    Construction, extraction, farming, fishing, and
     forestry

0.6

1.1

1.1

1.2

1.1

0.7

0.6

–

0.3

0.5

    Installation, maintenance, and repair

1.5

1.1

1.7

1.6

1.8

1.3

1.5

0.8

0.2

1.3

Production, transportation, and material moving

0.6

0.9

1.0

0.9

1.1

0.6

0.6

0.2

0.3

0.5

    Production

0.9

1.2

1.4

1.5

1.2

1.0

0.9

0.4

0.5

0.6

    Transportation and material moving

0.7

1.1

1.3

1.0

1.5

0.8

0.7

0.2

0.2

0.7

Full time

0.5

0.6

0.9

0.7

1.1

0.5

0.5

0.2

0.2

0.5

Part time

0.4

0.6

0.8

0.8

0.8

0.4

0.4

0.2

[2]

0.4

Union

0.9

1.7

1.6

1.5

1.3

1.4

1.1

0.5

0.3

1.0

Nonunion

0.4

0.5

0.7

0.6

1.0

0.4

0.4

0.2

0.1

0.4

Wage percentiles:3

                    

    Lowest 10 percent

2.0

1.3

1.2

1.8

–

1.0

2.2

0.3

[2]

2.2

    Lowest 25 percent

0.9

0.9

1.0

1.1

1.9

0.5

1.0

0.2

[2]

1.0

    Second 25 percent

0.7

0.6

1.0

0.9

1.2

0.6

0.6

0.2

0.1

0.5

    Third 25 percent

0.7

0.9

0.8

0.8

0.9

0.6

0.4

0.2

0.2

0.4

    Highest 25 percent

0.8

1.1

1.1

1.1

0.9

0.8

0.8

0.5

0.5

0.6

    Highest 10 percent

1.2

1.3

1.4

1.4

1.1

1.3

1.1

0.7

0.8

1.0

Establishment characteristics

                    

Goods-producing industries

0.6

1.2

1.1

1.1

0.8

0.7

0.8

0.4

0.6

0.5

    Construction

0.7

0.8

1.2

1.3

1.0

0.8

0.3

–

0.3

0.2

    Manufacturing

1.0

1.5

1.4

1.4

1.0

1.2

1.1

0.5

0.8

0.7

Service-providing industries

0.5

0.6

0.8

0.6

1.2

0.4

0.6

0.2

0.1

0.6

    Trade, transportation, and utilities

0.6

0.7

0.9

0.9

0.9

0.5

0.6

0.1

0.2

0.6

        Wholesale trade

1.1

1.8

1.7

1.7

1.6

1.2

1.0

0.4

0.3

0.9

        Retail trade

0.9

0.6

1.2

1.2

1.1

0.6

0.9

0.2

0.2

0.9

        Transportation and warehousing

2.0

1.7

3.1

2.0

3.1

1.4

1.3

–

–

1.2

        Utilities

4.9

6.3

5.4

5.1

2.0

4.0

5.4

1.5

1.0

5.4

    Information

2.6

3.1

3.0

3.5

2.5

2.2

3.2

2.3

0.7

2.4

    Financial activities

1.3

1.9

1.7

1.5

1.1

1.3

1.1

0.8

0.6

1.0

        Finance and insurance

1.4

1.8

1.3

1.3

1.2

1.4

1.3

0.9

0.6

1.3

            Credit intermediation and related activities

1.9

2.1

1.7

1.8

1.8

1.9

1.6

1.3

1.0

1.6

            Insurance carriers and related activities

2.2

2.1

2.3

2.2

1.9

2.7

2.8

1.5

0.6

2.8

        Real estate and rental and leasing

2.4

2.8

3.8

3.7

2.6

1.7

2.2

–

–

2.2

    Professional and business services

1.2

1.8

1.8

1.8

1.3

1.4

0.9

0.6

0.5

0.9

        Professional and technical services

2.0

2.5

2.7

2.7

2.3

2.5

1.6

1.1

1.1

1.5

        Administrative and waste services

1.4

2.1

2.1

2.1

2.2

1.2

1.1

–

0.7

0.9

    Education and health services

0.9

1.7

2.1

1.8

1.6

1.1

0.3

[2]

[2]

0.2

        Educational services

1.0

2.6

3.0

2.2

2.6

1.4

0.3

–

0.3

[2]

            Junior colleges, colleges, and universities

1.0

2.1

3.2

3.1

2.8

2.1

0.7

–

0.7

[2]

        Health care and social assistance

1.1

1.8

2.2

2.1

1.7

1.2

0.3

0.2

[2]

0.2

    Leisure and hospitality

–

2.1

1.5

3.0

–

1.8

–

0.4

–

–

        Accommodation and food services

–

–

1.5

3.6

–

2.1

–

0.5

–

–

    Other services

1.4

1.8

3.0

2.9

2.4

1.2

0.7

–

–

–

1 to 99 workers

0.5

0.5

0.6

0.6

0.6

0.4

0.3

0.2

0.1

0.2

    1 to 49 workers

0.5

0.6

0.7

0.7

0.6

0.4

0.3

0.2

0.1

0.2

    50 to 99 workers

1.0

1.2

1.5

1.5

1.3

0.4

0.7

0.3

[2]

0.7

100 workers or more

0.7

0.9

1.4

0.9

1.7

0.7

0.8

0.3

0.3

0.9

    100 to 499 workers

0.7

1.2

1.3

1.2

1.1

1.0

0.6

0.2

0.2

0.6

    500 workers or more

1.3

1.2

3.1

1.6

3.3

1.1

1.8

0.6

0.6

1.8

Geographic areas

                    

New England

0.8

1.5

1.6

1.7

1.8

0.6

1.1

0.3

0.2

0.9

Middle Atlantic

0.7

1.9

1.4

1.3

1.8

0.6

0.9

0.3

0.4

0.6

East North Central

0.8

1.3

1.2

1.1

0.9

0.7

0.8

0.5

0.3

0.9

West North Central

1.2

1.2

1.8

1.9

1.9

0.8

0.8

0.3

0.2

0.7

South Atlantic

0.7

1.0

1.3

1.3

0.9

1.1

0.8

0.3

0.5

0.5

East South Central

4.0

2.4

5.4

3.2

–

2.7

–

1.0

0.6

–

West South Central

1.0

1.4

1.4

1.5

1.4

1.2

0.8

0.5

0.4

0.6

Mountain

1.7

3.3

2.9

3.1

1.5

1.1

1.0

0.3

0.3

1.0

Pacific

1.2

0.7

1.3

1.2

1.1

1.5

0.7

0.5

0.2

0.5

Footnotes:

1The sum of the individual components may be greater than the total because some employees may have access to more than one type of stock option.

2Less than 0.05.

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, 2008." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did 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/glossary20082009.htm.