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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 private industry workers,  National Compensation
Survey, March 2014

(All workers = 100 percent)

Characteristics

All retirement benefits2

Defined benefit

Defined contribution

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

All workers

65

48

75

19

16

86

60

42

70

Worker characteristics

                 

Management, professional, and related

80

67

84

26

23

86

77

61

80

    Management, business, and financial

84

74

87

31

27

86

82

68

83

    Professional and related

77

63

82

24

20

87

74

57

77

Service

38

21

56

7

6

91

34

17

50

    Protective service

62

28

45

6

5

76

60

26

43

Sales and office

69

49

71

17

13

79

65

45

69

    Sales and related

67

39

59

11

7

65

64

36

57

    Office and administrative support

70

56

79

21

17

84

66

50

76

Natural resources, construction, and maintenance

67

53

79

24

23

95

60

44

74

    Construction, extraction, farming, fishing, and
     forestry

60

47

78

25

24

97

50

36

72

    Installation, maintenance, and repair

73

58

80

23

21

92

68

51

75

Production, transportation, and material moving

70

53

75

23

20

88

61

42

68

    Production

75

59

78

22

20

92

70

50

72

    Transportation and material moving

65

47

72

24

21

85

53

34

64

Full time

74

58

79

22

19

88

70

52

74

Part time

37

19

52

8

6

73

32

15

47

Union

92

83

91

71

66

93

56

45

80

Nonunion

62

45

72

13

11

83

61

42

69

Average wage within the following categories3:

                 

    Lowest 25 percent

38

18

48

5

3

70

36

16

45

        Lowest 10 percent

27

11

39

4

2

56

25

9

36

    Second 25 percent

67

47

71

14

11

85

62

41

67

    Third 25 percent

76

62

81

24

21

88

70

53

75

    Highest 25 percent

85

75

88

36

32

88

80

66

83

        Highest 10 percent

88

79

89

37

32

86

85

72

85

Establishment characteristics

                 

Goods-producing industries

76

62

82

26

23

91

71

54

76

    Construction

57

44

77

18

18

97

49

36

73

    Manufacturing

83

69

83

28

25

89

78

61

77

Service-providing industries

63

46

73

17

15

85

58

40

69

    Trade, transportation, and utilities

72

48

66

19

15

78

63

39

62

        Wholesale trade

76

60

80

13

12

94

72

55

76

        Retail trade

68

38

56

13

9

65

60

32

53

        Transportation and warehousing

79

59

76

35

29

82

59

39

66

        Utilities

99

94

96

79

75

95

92

79

86

    Information

88

79

91

44

38

87

86

72

84

    Financial activities

84

75

90

41

35

84

83

70

85

        Finance and insurance

92

85

92

51

43

84

91

79

87

            Credit intermediation and related activities

94

86

91

50

42

83

94

81

86

            Insurance carriers and related activities

89

82

92

48

44

91

88

76

87

        Real estate and rental and leasing

56

44

78

54

41

75

    Professional and business services

60

47

78

14

12

86

59

44

75

        Professional and technical services

71

59

83

14

12

85

71

57

80

        Administrative and waste services

41

27

65

6

6

98

40

25

63

    Education and health services

69

53

77

17

16

90

64

45

71

        Educational services

72

61

85

15

13

87

64

52

81

            Junior colleges, colleges, and universities

89

78

88

15

11

77

85

74

87

        Health care and social assistance

69

52

76

18

16

90

64

44

70

    Leisure and hospitality

28

12

42

3

3

98

26

10

37

        Accommodation and food services

26

10

39

2

2

100

24

8

34

    Other services

47

33

70

8

7

92

43

29

67

1 to 99 workers

50

35

70

8

7

86

47

32

68

    1 to 49 workers

45

32

71

7

6

87

44

30

69

    50 to 99 workers

63

43

68

12

11

85

58

38

65

100 workers or more

82

64

78

31

27

86

75

54

72

    100 to 499 workers

78

55

71

20

17

83

72

48

67

    500 workers or more

89

77

86

46

41

88

80

63

78

Geographic areas

                 

Northeast

64

51

80

23

21

90

57

42

74

    New England

63

49

77

19

17

87

60

43

73

    Middle Atlantic

64

52

81

25

23

91

56

42

75

South

65

46

71

15

13

84

62

42

67

    South Atlantic

65

47

72

16

13

83

62

43

69

    East South Central

64

45

70

14

12

81

61

40

66

    West South Central

64

44

69

15

12

85

62

41

65

Midwest

70

53

76

21

18

87

65

46

71

    East North Central

69

52

75

23

20

88

63

44

70

    West North Central

71

54

76

17

14

85

68

49

72

West

60

45

75

17

14

84

55

39

71

    Mountain

59

42

71

13

10

80

56

39

69

    Pacific

60

46

77

19

16

85

54

40

73

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.

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: 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.