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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 2015

(All workers = 100 percent)

Characteristics

Health
savings
account

Section 125 cafeteria benefits

Savings
plans with
no employer
contribution3

Payroll
deduction
IRA4

Financial
planning

Stock options

Flexible
benefits

Dependent
care flexible
spending
account1

Health care
flexible
spending
account2

Total5

Performance

Signing

Other

All workers

24

17

38

40

18

6

20

8

3

1

6

Worker characteristics

                     

Management, professional, and related

36

28

59

62

25

10

29

12

5

2

8

    Management, business, and financial

44

29

62

66

24

10

32

17

7

4

12

    Professional and related

32

27

57

61

26

10

27

9

4

1

5

Service

8

8

19

20

11

3

10

3

1

3

    Protective service

15

12

26

29

7

3

12

Sales and office

29

16

37

40

16

5

22

10

3

2

8

    Sales and related

25

10

32

34

11

3

21

9

2

1

7

    Office and administrative support

31

21

40

45

19

6

23

11

3

2

9

Natural resources, construction, and maintenance

16

11

25

29

16

4

15

6

3

4

    Construction, extraction, farming, fishing, and
     forestry

9

6

12

14

12

4

8

3

2

    Installation, maintenance, and repair

22

16

35

41

20

5

21

9

5

5

Production, transportation, and material moving

20

17

36

37

17

5

14

9

1

1

8

    Production

24

20

38

39

17

7

17

7

2

1

6

    Transportation and material moving

16

14

34

35

18

3

12

11

1

1

10

Full time

29

21

45

48

20

7

23

10

3

2

7

Part time

9

6

19

19

11

3

11

5

1

[6]

4

Union

20

14

47

50

29

7

25

13

6

2

7

Nonunion

24

18

37

39

16

6

19

8

2

1

6

Average wage within the following categories:7

                     

    Lowest 25 percent

10

6

17

17

9

2

10

4

[6]

3

        Lowest 10 percent

5

3

11

10

7

2

6

3

[6]

2

    Second 25 percent

23

16

34

38

16

6

17

8

2

1

7

    Third 25 percent

29

22

45

48

21

7

23

9

3

1

7

    Highest 25 percent

37

28

62

66

26

10

32

14

7

3

9

        Highest 10 percent

43

30

70

72

27

11

34

17

8

4

10

Establishment characteristics

                     

Goods-producing industries

24

18

37

39

17

6

19

8

3

1

6

    Construction

12

8

12

16

11

4

8

3

2

    Manufacturing

29

23

47

48

19

7

24

11

5

1

7

Service-providing industries

24

17

38

41

18

6

20

8

3

1

7

    Trade, transportation, and utilities

25

13

36

38

14

3

20

10

1

1

9

        Wholesale trade

27

22

37

41

14

6

17

7

1

1

6

        Retail trade

25

6

30

31

12

2

21

9

2

[6]

8

        Transportation and warehousing

21

22

49

50

25

4

15

19

2

17

        Utilities

49

48

79

78

12

7

53

12

9

    Information

43

24

81

80

30

5

50

34

22

2

14

    Financial activities

50

34

64

65

23

11

38

22

8

7

20

        Finance and insurance

60

38

76

78

24

13

46

25

10

8

23

            Credit intermediation and related activities

68

39

78

80

24

15

40

27

12

10

26

            Insurance carriers and related activities

52

39

72

73

22

8

52

20

6

2

16

        Real estate and rental and leasing

16

17

23

23

18

6

    Professional and business services

28

19

39

45

20

7

18

11

4

3

7

        Professional and technical services

40

23

50

54

23

12

27

11

4

3

7

        Administrative and waste services

13

10

19

27

15

3

6

6

5

    Education and health services

23

24

48

52

25

9

22

2

[6]

2

        Educational services

21

25

56

56

35

17

22

2

1

            Junior colleges, colleges, and universities

33

34

78

81

47

19

37

2

        Health care and social assistance

24

24

47

52

23

8

22

3

2

    Leisure and hospitality

4

4

12

11

7

2

7

        Accommodation and food services

3

3

12

10

6

2

8

    Other services

9

8

14

17

13

5

7

2

1 to 99 workers

15

10

21

23

13

4

9

5

1

1

4

    1 to 49 workers

14

8

18

20

11

3

9

4

1

1

3

    50 to 99 workers

21

16

30

32

17

6

12

8

2

1

6

100 workers or more

34

26

58

61

23

8

32

13

4

2

10

    100 to 499 workers

32

20

49

51

20

8

27

10

3

1

7

    500 workers or more

36

35

72

76

29

9

38

17

6

3

13

Geographic areas

                     

Northeast

20

14

40

43

22

8

19

9

2

2

7

    New England

19

14

44

48

23

8

19

7

2

1

5

    Middle Atlantic

20

15

38

41

22

8

19

9

2

2

7

South

24

19

38

39

16

6

21

8

2

1

6

    South Atlantic

25

18

38

39

17

8

22

8

2

2

7

    East South Central

23

20

32

32

15

6

19

10

3

2

7

    West South Central

22

21

41

43

15

3

21

7

2

1

5

Midwest

27

21

39

42

18

5

19

8

3

1

7

    East North Central

27

20

39

41

20

5

19

8

3

1

7

    West North Central

25

24

39

45

13

4

18

8

3

[6]

6

West

25

12

36

38

15

5

19

9

4

2

6

    Mountain

26

13

35

37

12

3

22

8

2

1

6

    Pacific

24

12

36

38

17

7

17

9

4

2

5

1Formerly referred to as Dependent care reimbursement account.

2Formerly referred to as Health care reimbursement account.

3Savings 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.

4An 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.

5The 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.

6Less than 0.5.

7Surveyed 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.