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Employee Benefits Survey
EBS EBS Program Links

Retirement benefits: Access, participation, and take-up rates

Table 2. Retirement benefits: Access, participation, and take-up rates,1 civilian workers,2 National Compensation Survey,
March 2011

(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

68

55

80

30

28

92

54

37

69

Worker characteristics

                 

Management, professional, and related

83

74

88

45

42

93

62

47

75

    Management, business, and financial

86

78

91

41

38

93

73

60

81

    Professional and related

82

72

88

47

43

93

58

42

73

        Teachers

86

81

94

74

69

93

33

20

61

            Primary, secondary, and special education
             school teachers

95

90

96

89

85

96

25

12

51

        Registered nurses

83

69

83

39

36

93

69

49

71

Service

47

31

66

18

17

94

35

17

50

    Protective service

74

62

84

53

51

95

37

20

54

Sales and office

71

55

78

24

21

88

61

43

71

    Sales and related

66

44

67

13

10

77

61

39

64

    Office and administrative support

73

61

84

30

27

91

62

46

74

Natural resources, construction, and maintenance

65

53

81

31

30

97

52

37

71

    Construction, extraction, farming, fishing, and
     forestry

63

50

80

30

30

98

47

33

69

    Installation, maintenance, and repair

68

57

83

31

30

96

56

41

73

Production, transportation, and material moving

67

52

78

27

25

94

54

37

68

    Production

67

53

79

24

23

95

61

43

71

    Transportation and material moving

66

51

77

30

27

92

47

31

65

Full time

78

65

84

35

33

94

62

45

72

Part time

38

22

58

13

10

82

29

13

46

Union

93

88

94

82

78

95

41

29

69

Nonunion

64

49

77

21

19

91

56

39

69

Average wage within the following categories:4

                 

    Lowest 25 percent

41

23

56

9

7

80

36

17

49

        Lowest 10 percent

29

12

40

5

4

67

25

9

34

    Second 25 percent

70

54

78

25

23

92

58

38

67

    Third 25 percent

78

67

86

36

34

94

61

45

75

    Highest 25 percent

88

80

91

53

50

94

65

51

79

        Highest 10 percent

90

83

92

52

49

93

69

55

80

Establishment characteristics

                 

Goods-producing industries

73

61

83

29

27

96

66

49

75

Service-providing industries

67

54

80

30

28

92

52

35

68

    Education and health services

79

67

85

45

42

92

51

34

66

        Educational services

87

82

93

73

68

93

34

22

63

            Elementary and secondary schools

91

86

95

86

82

95

22

10

46

            Junior colleges, colleges, and universities

88

80

91

55

46

84

63

48

75

        Health care and social assistance

73

56

77

25

23

91

63

43

68

            Hospitals

90

78

87

51

46

92

74

53

71

    Public administration

90

86

95

84

80

95

32

18

58

1 to 99 workers

51

36

71

12

10

90

45

29

65

    1 to 49 workers

46

33

72

9

9

92

42

28

66

    50 to 99 workers

64

44

69

18

16

87

55

34

63

100 workers or more

84

72

85

46

43

93

62

44

71

    100 to 499 workers

79

62

79

30

27

92

64

45

70

    500 workers or more

89

81

91

62

58

93

60

43

72

Geographic areas

                 

New England

63

53

83

29

27

94

49

36

74

Middle Atlantic

70

58

83

34

31

92

52

38

72

East North Central

70

57

82

34

31

91

57

39

67

West North Central

70

58

83

29

26

88

55

41

75

South Atlantic

69

52

76

27

25

91

58

37

63

East South Central

71

56

80

32

30

94

51

34

67

West South Central

67

52

78

25

24

95

54

36

67

Mountain

68

53

78

25

23

93

55

38

69

Pacific

65

53

82

31

29

95

49

35

72

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. Workers are considered as having access or as participating if they have access to or are participating
in at least one of these plan types.

4The categories are based on the average wage for each occupation surveyed, which may include workers with earnings 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, 2010." See Technical Note for more details.


NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.