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Employee Benefits Survey
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Defined benefit retirement plans: Employee contribution requirement and method of contribution

Table 4. Defined benefit retirement plans:1 Employee contribution requirement and
method of contribution, State and local government workers, National Compensation
Survey, March 2014

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Employee
contribution
required

Fixed percent of annual earnings2

Employee
contribution
not required

Total

Mean fixed
percent of
annual
earnings

Median fixed
percent of
annual
earnings

All workers

88

78

6.8

6.6

12

Worker characteristics

         

Management, professional, and related

89

80

6.8

6.8

11

    Professional and related

90

82

6.9

6.8

10

        Teachers

92

85

7.2

7.0

8

            Primary, secondary, and special education
             school teachers

92

86

7.2

7.0

8

Service

88

76

7.0

6.9

12

    Protective service

87

74

7.4

7.2

13

Sales and office

86

76

6.4

6.4

14

    Office and administrative support

86

76

6.4

6.4

14

Natural resources, construction, and maintenance

87

74

6.1

6.0

13

Production, transportation, and material moving

84

71

6.6

6.8

16

Full time

88

78

6.7

6.6

12

Part time

88

75

7.0

7.0

12

Union

88

71

6.8

7.0

12

Nonunion

88

86

6.7

6.4

12

Average wage within the following categories3:

         

    Lowest 25 percent

87

82

6.6

6.4

13

        Lowest 10 percent

90

86

7.0

6.4

10

    Second 25 percent

86

76

6.6

6.6

14

    Third 25 percent

89

79

6.6

6.4

11

    Highest 25 percent

89

76

7.2

7.0

11

        Highest 10 percent

92

74

7.4

7.3

8

Establishment characteristics

         

Service-providing industries

88

78

6.8

6.6

12

    Education and health services

91

83

6.9

6.8

9

        Educational services

92

85

7.0

6.8

8

            Elementary and secondary schools

92

85

7.0

6.9

8

            Junior colleges, colleges, and universities

93

83

6.9

6.5

7

        Health care and social assistance

78

67

6.1

6.4

22

            Hospitals

75

64

6.3

6.4

25

    Public administration

84

69

6.6

6.6

16

1 to 99 workers

84

78

6.9

6.4

16

    1 to 49 workers

93

85

6.3

6.0

7

    50 to 99 workers

76

71

7.5

7.0

24

100 workers or more

89

78

6.7

6.6

11

    100 to 499 workers

86

78

7.0

6.8

14

    500 workers or more

89

78

6.7

6.5

11

State government

89

74

6.4

6.4

11

Local government

88

79

6.9

6.8

12

Geographic areas

         

Northeast

96

64

6.4

6.8

4

    New England

98

59

7.2

7.0

2

    Middle Atlantic

95

65

6.1

6.8

5

South

91

91

6.0

6.4

9

    South Atlantic

93

93

5.1

6.0

7

Midwest

85

78

7.5

7.0

15

    East North Central

80

68

8.2

9.0

20

    West North Central

95

95

6.7

6.0

5

West

79

69

7.9

8.0

21

    Pacific

78

64

7.0

7.0

22

1The 2014 estimates are not strictly comparable to corresponding estimates in previous years. See technical note for more
information.

2The employee contributes a fixed percentage of his or her earnings to the retirement plan.

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
ECEC data for March 2014.


Note: 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.