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Employee Benefits Survey
EBS EBS Program Links

Financial benefits: Access

Table 41. Financial benefits: Access, private industry workers,  National Compensation Survey, March 2014

(All workers = 100 percent)

Characteristics

Health
savings
account

Section 125 cafeteria benefits

Savings
plans with
no employer
contribution1

Payroll
deduction
IRA2

Financial
planning

Stock options

Flexible
benefits

Dependent
care
reimburse-
ment
account

Health care
reimburse-
ment
account

Total3

Performance

Signing

Other

All workers

22

17

36

38

17

5

19

8

3

1

6

Worker characteristics

                     

Management, professional, and related

33

29

58

61

23

8

28

12

5

3

8

    Management, business, and financial

41

32

62

66

22

9

34

17

7

5

11

    Professional and related

29

27

55

59

24

8

25

10

4

2

6

Service

8

9

18

20

11

2

9

2

1

2

    Protective service

14

26

29

10

2

10

1

Sales and office

27

17

35

38

16

4

22

10

3

1

8

    Sales and related

24

8

30

32

12

2

22

9

2

1

8

    Office and administrative support

28

22

39

42

19

5

23

11

3

2

8

Natural resources, construction, and maintenance

16

12

24

28

15

4

14

6

2

4

    Construction, extraction, farming, fishing, and
     forestry

10

7

12

14

11

3

7

2

2

    Installation, maintenance, and repair

22

16

34

40

20

5

19

9

4

5

Production, transportation, and material moving

17

15

32

34

15

4

14

7

1

1

6

    Production

20

18

35

37

16

6

17

6

2

1

5

    Transportation and material moving

14

13

29

31

14

3

11

8

1

1

7

Full time

26

21

42

46

18

6

22

9

3

2

7

Part time

9

6

18

17

11

2

10

5

1

[4]

4

Union

18

16

44

47

25

7

24

11

6

3

5

Nonunion

22

17

35

38

16

5

18

8

2

1

6

Average wage within the following categories5:

                     

    Lowest 25 percent

8

6

16

16

10

2

10

4

[4]

3

        Lowest 10 percent

4

3

10

9

8

1

4

3

3

    Second 25 percent

22

16

32

35

15

4

17

7

2

1

6

    Third 25 percent

26

22

41

43

19

6

20

9

2

1

7

    Highest 25 percent

34

29

61

64

24

9

30

14

7

3

9

        Highest 10 percent

39

32

68

71

26

10

34

17

8

4

11

Establishment characteristics

                     

Goods-producing industries

21

18

34

36

16

5

17

8

4

1

5

    Construction

11

9

10

14

11

3

7

3

2

    Manufacturing

26

22

44

45

18

7

22

10

5

2

7

Service-providing industries

22

17

36

39

17

5

19

8

2

1

6

    Trade, transportation, and utilities

24

13

33

35

14

3

21

9

2

1

8

        Wholesale trade

26

20

34

38

14

6

17

6

2

1

6

        Retail trade

24

7

28

29

13

2

22

10

2

[4]

8

        Transportation and warehousing

21

20

42

44

22

4

15

13

2

4

9

        Utilities

49

49

80

80

8

5

50

12

2

9

    Information

38

23

77

77

27

5

39

31

19

1

14

    Financial activities

46

34

63

64

22

10

38

22

7

6

20

        Finance and insurance

56

38

74

75

23

12

46

26

9

6

23

            Credit intermediation and related activities

63

39

75

77

24

13

41

29

12

10

27

            Insurance carriers and related activities

48

40

70

71

21

9

51

21

6

2

17

        Real estate and rental and leasing

21

27

28

18

4

    Professional and business services

25

20

37

42

17

5

19

11

4

3

8

        Professional and technical services

37

26

49

53

20

9

28

12

4

3

8

        Administrative and waste services

12

10

18

25

12

2

5

7

5

    Education and health services

21

24

46

51

23

7

18

2

[4]

1

        Educational services

17

25

55

55

34

15

20

1

1

            Junior colleges, colleges, and universities

25

34

78

80

47

18

35

2

        Health care and social assistance

21

24

45

50

21

5

18

2

1

    Leisure and hospitality

4

4

11

10

8

1

7

        Accommodation and food services

3

3

11

9

7

1

7

    Other services

8

6

13

16

11

4

7

2

1 to 99 workers

14

10

19

22

12

4

9

5

1

1

3

    1 to 49 workers

12

8

17

19

11

3

7

4

1

1

3

    50 to 99 workers

20

15

26

29

16

6

13

7

2

1

5

100 workers or more

31

26

55

58

22

6

30

12

4

2

9

    100 to 499 workers

29

19

44

47

17

5

26

9

3

1

7

    500 workers or more

33

36

70

73

28

8

36

16

6

3

12

Geographic areas

                     

Northeast

17

15

37

39

21

7

18

9

2

2

6

    New England

17

16

42

46

22

7

18

7

2

1

5

    Middle Atlantic

17

15

35

37

20

7

19

9

2

2

7

South

22

20

35

37

16

5

20

8

2

1

6

    South Atlantic

22

19

36

37

17

6

20

8

2

1

7

    East South Central

22

22

29

29

14

4

17

9

3

2

6

    West South Central

21

20

38

40

15

2

20

7

2

1

5

Midwest

25

21

37

41

16

4

19

8

3

1

6

    East North Central

26

19

37

40

18

4

20

7

3

1

5

    West North Central

24

23

37

42

11

3

18

9

3

[4]

6

West

22

12

35

37

15

4

17

8

4

2

5

    Mountain

23

14

37

39

13

3

17

6

2

1

5

    Pacific

21

11

34

36

15

5

17

9

4

2

6

1Savings plans established by the employer on behalf of the employee, but with no employer contribution.  These are cash or deferred arrangement plans or individual retirement accounts used to fund
savings and retirement plans authorized by section 401(k), 403(b), or 457 of the Internal Revenue Code. The employees’ contributions can be pre- and post-tax. Employees may authorize a payroll deduction by
the em ployer to fund the established plan.

2An 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.

3The 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.

4Less than 0.5.

5Surveyed 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.