Financial benefits: Access

Table 41. Financial benefits: Access, private industry workers,  National Compensation Survey, March 2013

(All workers = 100 percent)

Characteristics

Health
savings
account

Section 125 cafeteria benefits

Pre-tax
savings with
no employer
contributions

Payroll
deduction
IRA1

Financial
planning

Stock options

Flexible
benefits

Dependent
care
reimburse-
ment
account

Healthcare
reimburse-
ment
account

Total2

Performance

Signing

Other

All workers

20

17

35

37

17

5

19

8

2

1

6

Worker characteristics

                      

Management, professional, and related

30

29

58

60

24

8

28

12

5

3

9

    Management, business, and financial

38

32

59

63

23

9

33

16

7

4

11

    Professional and related

26

28

57

59

25

7

25

10

4

2

7

Service

7

9

19

19

12

3

9

3

–

–

2

    Protective service

–

17

27

30

11

3

8

6

–

–

6

Sales and office

25

17

35

37

18

4

23

9

2

1

8

    Sales and related

23

9

29

31

15

3

22

9

1

1

8

    Office and administrative support

26

22

38

41

20

5

23

10

3

2

7

Natural resources, construction, and maintenance

16

13

24

28

15

3

14

6

2

–

3

    Construction, extraction, farming, fishing, and
     forestry

10

9

12

15

11

2

8

2

–

–

2

    Installation, maintenance, and repair

21

17

33

39

19

4

19

9

4

–

5

Production, transportation, and material moving

17

14

29

30

14

3

12

7

1

1

6

    Production

18

18

32

34

16

5

15

6

2

1

5

    Transportation and material moving

15

11

25

27

13

2

10

8

1

1

7

Full time

24

21

41

44

19

5

21

9

3

2

7

Part time

9

6

18

16

12

2

10

5

1

1

4

Union

17

17

41

46

24

7

23

10

5

3

5

Nonunion

21

17

34

36

17

4

18

8

2

1

6

Average wage within the following categories:3

                      

    Lowest 25 percent

8

6

16

16

12

2

10

4

[4]

–

4

        Lowest 10 percent

4

3

10

8

8

2

5

4

–

–

3

    Second 25 percent

21

16

29

33

16

4

17

6

2

1

5

    Third 25 percent

23

22

39

43

18

5

21

9

2

1

7

    Highest 25 percent

32

29

60

63

24

8

30

14

6

3

9

        Highest 10 percent

36

34

68

71

27

10

33

16

6

4

11

Establishment characteristics

                      

Goods-producing industries

19

18

32

36

16

5

17

7

3

1

5

    Construction

10

10

10

15

10

2

8

2

–

–

1

    Manufacturing

24

22

41

44

18

6

21

10

4

2

7

Service-providing industries

20

17

35

37

17

5

19

8

2

1

6

    Trade, transportation, and utilities

24

13

32

33

17

3

20

9

1

1

8

        Wholesale trade

25

23

33

35

14

5

17

6

1

–

6

        Retail trade

24

7

28

29

17

2

22

9

1

[4]

8

        Transportation and warehousing

22

17

38

39

18

2

15

12

2

3

8

        Utilities

47

50

81

79

10

5

49

13

2

–

10

    Information

35

22

73

72

28

6

33

31

18

2

14

    Financial activities

42

38

61

63

21

10

40

19

7

5

16

        Finance and insurance

50

43

73

75

22

12

50

23

9

6

20

            Credit intermediation and related activities

56

48

73

77

25

16

50

24

13

9

21

            Insurance carriers and related activities

45

38

71

71

20

7

49

23

6

2

19

        Real estate and rental and leasing

–

21

21

23

17

5

–

–

–

–

–

    Professional and business services

22

21

38

43

17

4

20

11

4

3

8

        Professional and technical services

34

27

49

53

21

8

26

12

4

3

9

        Administrative and waste services

10

10

20

27

12

2

8

6

2

2

4

    Education and health services

19

22

44

46

24

7

16

2

–

[4]

1

        Educational services

15

23

50

51

33

12

18

1

–

1

[4]

            Junior colleges, colleges, and universities

23

32

72

76

47

16

31

2

–

1

[4]

        Healthcare and social assistance

19

22

43

46

22

6

16

2

–

–

2

    Leisure and hospitality

3

5

12

9

8

2

7

2

–

–

2

        Accommodation and food services

3

4

12

9

7

1

8

3

–

–

2

    Other services

7

5

12

18

12

4

7

–

–

–

–

1 to 99 workers

12

10

19

21

12

3

9

5

1

1

4

    1 to 49 workers

11

8

17

19

11

3

8

4

1

1

3

    50 to 99 workers

17

14

24

27

17

5

13

7

2

1

5

100 workers or more

29

26

54

56

23

6

30

12

4

2

9

    100 to 499 workers

28

20

43

45

19

5

26

9

3

1

7

    500 workers or more

31

35

69

72

28

8

36

15

6

4

11

Geographic areas

                      

New England

16

18

43

44

20

7

17

8

3

1

7

Middle Atlantic

15

15

34

36

20

7

17

8

2

2

7

East North Central

23

19

34

38

20

4

20

8

3

1

6

West North Central

22

23

36

42

11

3

18

9

3

1

7

South Atlantic

21

19

34

35

17

5

19

7

2

1

6

East South Central

22

23

32

30

15

3

20

11

4

2

8

West South Central

20

18

37

39

15

2

22

7

2

1

5

Mountain

20

16

39

42

16

3

17

5

2

1

5

Pacific

21

11

32

34

17

5

16

8

3

2

5

1An individual retirement plan that can be sponsored by the employer, but with no employer
contributions.  The employee establishes either a traditional (with tax-deductible contributions) or Roth
(contributions are made post-tax but accumulate tax-free until retirement) IRA plan with a financial
institution, and authorizes the payroll deduction by the employer.

4Less than 0.5.

2The 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.


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/glossary20122013.htm.

3Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold.  The
categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2013."