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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 2015

(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

66

49

74

18

15

84

61

43

71

Worker characteristics

                 

Management, professional, and related

80

67

84

25

21

84

77

62

80

    Management, business, and financial

84

74

88

30

25

83

82

70

85

    Professional and related

78

63

81

23

20

85

74

57

77

Service

39

22

55

6

6

89

36

18

50

    Protective service

62

31

50

9

7

79

58

27

47

Sales and office

70

49

70

17

13

75

66

45

68

    Sales and related

68

38

57

11

7

63

64

35

55

    Office and administrative support

72

56

78

20

16

79

68

52

76

Natural resources, construction, and maintenance

66

52

80

25

24

97

59

44

74

    Construction, extraction, farming, fishing, and
     forestry

59

47

79

27

26

98

48

35

73

    Installation, maintenance, and repair

71

57

80

23

22

95

68

51

76

Production, transportation, and material moving

71

53

75

23

19

85

63

44

69

    Production

75

59

78

22

19

87

71

52

73

    Transportation and material moving

67

48

71

24

20

84

56

36

65

Full time

76

59

78

22

19

86

72

53

74

Part time

37

19

51

9

6

70

33

15

46

Union

92

82

90

72

67

93

56

45

80

Nonunion

63

46

72

13

10

79

62

43

70

Average wage within the following categories:3

                 

    Lowest 25 percent

40

19

48

6

4

63

37

17

45

        Lowest 10 percent

31

12

39

4

2

53

28

10

37

    Second 25 percent

67

47

70

13

10

82

63

42

67

    Third 25 percent

78

63

81

23

20

86

72

55

76

    Highest 25 percent

86

75

88

36

32

87

81

68

84

        Highest 10 percent

88

78

89

36

30

83

85

72

85

Establishment characteristics

                 

Goods-producing industries

75

61

81

25

22

89

70

54

77

    Construction

57

44

79

20

20

98

48

35

74

    Manufacturing

83

68

82

27

23

85

79

61

77

Service-providing industries

64

46

72

17

14

82

60

41

69

    Trade, transportation, and utilities

75

48

65

19

14

75

66

40

61

        Wholesale trade

80

64

79

12

11

92

77

60

77

        Retail trade

70

37

53

14

9

61

61

31

50

        Transportation and warehousing

81

62

77

34

28

83

65

45

70

        Utilities

97

92

95

78

74

95

91

76

83

    Information

88

81

92

47

43

93

87

75

86

    Financial activities

83

75

90

42

34

81

82

71

86

        Finance and insurance

92

85

93

51

40

79

91

81

89

            Credit intermediation and related activities

95

87

92

51

38

76

95

83

88

            Insurance carriers and related activities

88

82

93

48

43

89

87

77

88

        Real estate and rental and leasing

54

41

76

52

37

72

    Professional and business services

62

48

78

14

12

82

61

46

76

        Professional and technical services

73

60

83

14

12

88

72

58

81

        Administrative and waste services

44

30

68

6

5

94

43

28

66

    Education and health services

69

53

77

16

14

87

64

46

72

        Educational services

69

59

86

16

14

87

61

50

82

            Junior colleges, colleges, and universities

87

76

88

16

12

74

83

72

87

        Health care and social assistance

69

52

75

16

14

87

65

46

71

    Leisure and hospitality

30

13

42

3

3

98

28

11

37

        Accommodation and food services

29

11

37

2

2

100

28

9

33

    Other services

47

35

75

9

8

88

43

31

72

1 to 99 workers

51

35

69

8

7

85

48

32

67

    1 to 49 workers

46

32

70

7

6

88

44

30

68

    50 to 99 workers

66

44

67

13

11

80

60

39

64

100 workers or more

84

65

78

30

25

83

77

56

73

    100 to 499 workers

80

58

72

21

17

81

74

51

69

    500 workers or more

89

76

85

43

37

85

82

65

79

Geographic areas

                 

Northeast

67

53

78

24

21

88

60

45

74

    New England

69

52

76

19

16

86

65

47

73

    Middle Atlantic

67

53

79

25

22

88

59

44

75

South

66

46

71

16

13

82

63

43

68

    South Atlantic

67

48

72

17

14

81

64

44

69

    East South Central

67

45

67

12

10

81

63

41

65

    West South Central

63

44

70

15

13

84

61

41

67

Midwest

70

53

76

19

16

83

66

47

72

    East North Central

69

53

76

20

17

84

64

46

72

    West North Central

73

55

75

18

14

81

70

50

72

West

60

44

74

17

14

83

55

39

70

    Mountain

61

42

68

13

11

80

58

38

66

    Pacific

59

45

76

19

16

84

54

39

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 wage data for March 2015.


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/glossary20142015.htm.