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Employee Benefits Survey
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Retirement benefits: Access, participation, and take-up rates

Table 2. Retirement benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2014

(All workers = 100 percent)

Characteristics

All retirement benefits2

Defined benefit

Defined contribution

Access

Participation3

Take-up
rate3

Access

Participation3

Take-up
rate3

Access

Participation

Take-up
rate

All workers

89

81

91

83

75

89

33

16

48

Worker characteristics

                 

Management, professional, and related

92

83

90

87

77

88

34

16

47

    Professional and related

92

83

90

87

77

88

33

15

45

        Teachers

91

82

90

88

77

88

31

13

41

            Primary, secondary, and special education
             school teachers

99

90

91

98

89

90

27

9

34

Service

84

76

91

77

70

91

29

13

45

    Protective service

91

85

93

84

78

93

35

16

46

Sales and office

89

82

92

81

74

91

36

19

53

    Office and administrative support

90

83

92

82

75

91

36

19

52

Natural resources, construction, and maintenance

95

86

90

89

78

88

36

20

54

Production, transportation, and material moving

85

74

87

78

68

88

26

12

47

Full time

99

90

91

92

83

89

37

18

48

Part time

38

33

86

35

31

88

10

4

44

Union

97

89

92

95

86

91

33

13

38

Nonunion

83

74

89

74

65

88

33

19

57

Average wage within the following categories4:

                 

    Lowest 25 percent

73

66

90

65

58

89

26

13

50

        Lowest 10 percent

59

52

89

51

45

89

19

10

53

    Second 25 percent

93

84

91

86

77

90

35

18

50

    Third 25 percent

95

86

91

89

80

89

35

17

49

    Highest 25 percent

98

89

91

94

84

89

37

16

44

        Highest 10 percent

98

90

92

91

82

90

44

18

40

Establishment characteristics

                 

Service-providing industries

89

81

91

83

74

89

33

16

48

    Education and health services

90

81

90

85

75

88

32

14

45

        Educational services

91

81

90

88

77

88

28

11

40

            Elementary and secondary schools

92

83

90

91

82

89

23

7

32

            Junior colleges, colleges, and universities

86

76

88

76

62

82

47

25

52

        Health care and social assistance

89

79

89

68

60

87

52

32

61

            Hospitals

95

83

87

72

62

86

57

34

60

    Public administration

91

84

92

85

78

91

37

18

49

1 to 99 workers

77

69

89

67

57

86

28

20

71

    1 to 49 workers

68

60

87

57

47

82

26

17

67

    50 to 99 workers

90

81

90

81

73

90

32

24

76

100 workers or more

91

83

91

86

77

90

34

15

45

    100 to 499 workers

88

80

92

81

73

91

31

15

49

    500 workers or more

92

84

91

88

78

89

35

15

44

State government

93

84

90

86

76

87

43

21

49

Local government

88

80

91

82

74

90

30

14

47

Geographic areas

                 

Northeast

90

81

91

86

77

90

29

8

27

    New England

86

80

93

82

76

93

9

    Middle Atlantic

91

82

90

87

77

88

36

7

21

South

91

80

89

84

73

87

38

17

46

    South Atlantic

91

80

88

88

76

86

51

18

35

    East South Central

92

80

87

85

73

86

23

15

64

    West South Central

89

81

91

77

70

90

24

17

71

Midwest

87

80

92

79

71

90

40

19

48

    East North Central

84

78

92

79

71

90

44

18

41

    West North Central

91

83

91

79

70

89

32

21

63

West

90

83

93

85

79

92

21

17

81

    Mountain

88

76

86

83

71

85

22

13

60

    Pacific

91

86

95

86

82

95

21

19

88

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. 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.

3The 2014 estimates are not strictly comparable to corresponding estimates in previous years. See technical note for more information.

4Surveyed 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 ECEC data for March 2014.


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/glossary20132014.htm.