Standard Errors
Financial benefits: Access

Table 41. Standard errors for financial benefits: Access, State and local government workers,
National Compensation Survey, March 2012

Characteristics

Health
savings
account

Section 125 cafeteria benefits

Pre-tax
savings with
no employer
contributions

Financial
planning

Flexible
benefits

Dependent
care
reimburse-
ment
account

Healthcare
reimburse-
ment
account

All workers

1.5

1.6

1.6

1.8

1.5

1.3

Worker characteristics

            

Management, professional, and related

1.7

1.7

1.9

1.9

1.5

1.5

    Professional and related

1.8

1.8

1.9

2.0

1.5

1.5

        Teachers

1.8

2.2

2.2

2.3

1.9

1.4

            Primary, secondary, and special education
             school teachers

1.8

2.5

2.5

2.5

2.3

1.7

Service

1.4

1.8

2.0

2.1

2.0

1.4

    Protective service

2.4

2.6

2.9

2.9

2.8

2.7

Sales and office

2.1

2.4

2.3

2.5

2.5

2.4

    Office and administrative support

2.2

2.5

2.3

2.6

2.5

2.5

Natural resources, construction, and maintenance

3.3

3.0

3.2

3.4

3.4

2.9

Production, transportation, and material moving

3.5

3.5

3.8

3.7

4.7

2.2

Full time

1.7

1.8

1.8

1.9

1.5

1.5

Part time

2.0

2.0

1.9

2.5

2.5

1.4

Union

1.4

1.7

1.9

1.6

1.6

1.5

Nonunion

2.4

2.3

2.1

2.6

2.2

1.7

Average wage within the following categories:1

            

    Lowest 25 percent

2.1

2.6

2.3

3.0

2.6

1.4

        Lowest 10 percent

2.2

2.5

2.5

3.4

3.4

1.6

    Second 25 percent

1.9

1.9

2.1

2.1

2.2

2.2

    Third 25 percent

2.0

2.1

2.4

2.5

2.1

2.3

    Highest 25 percent

1.5

1.7

1.6

1.5

1.5

1.2

        Highest 10 percent

1.7

1.8

2.2

2.2

2.4

1.7

Establishment characteristics

            

Service-providing industries

1.5

1.6

1.6

1.8

1.5

1.3

    Education and health services

2.1

2.0

2.0

2.2

1.7

1.6

        Educational services

2.1

2.0

2.1

2.3

1.8

1.5

            Elementary and secondary schools

1.7

2.3

2.6

2.6

1.9

1.4

            Junior colleges, colleges, and universities

6.2

3.3

6.0

5.4

3.8

4.3

        Healthcare and social assistance

3.4

3.5

3.9

3.5

4.6

4.1

            Hospitals

4.1

5.0

4.6

3.7

5.8

5.1

    Public administration

1.8

2.1

2.3

2.2

2.2

2.4

1 to 99 workers

2.8

3.0

3.2

3.4

4.7

2.4

    1 to 49 workers

3.2

3.0

3.8

3.6

5.3

2.4

    50 to 99 workers

4.5

5.2

5.7

7.0

6.1

4.9

100 workers or more

1.6

1.6

1.6

1.6

1.3

1.4

    100 to 499 workers

1.9

2.6

2.6

2.7

2.7

2.3

    500 workers or more

1.8

1.8

1.7

1.7

1.6

1.6

State government

4.0

2.9

3.3

3.3

2.9

3.6

Local government

1.2

1.7

1.8

1.9

1.6

1.0

Geographic areas

            

New England

4.4

3.0

6.8

6.2

4.3

–

Middle Atlantic

1.0

3.5

2.7

2.8

4.1

1.2

East North Central

3.3

2.3

2.7

1.9

4.3

2.7

West North Central

5.6

6.3

5.7

3.6

4.5

7.4

South Atlantic

3.2

4.3

2.7

2.4

4.0

3.2

East South Central

–

8.5

7.1

11.8

7.7

–

West South Central

2.5

5.2

3.7

4.1

2.6

3.7

Mountain

5.6

–

13.9

14.4

4.8

2.2

Pacific

3.3

2.2

3.5

3.6

2.9

3.4

1The 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: 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/glossary20112012.htm.