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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 civilian workers,2 March 2016
(All workers = 100 percent)
Characteristics All retirement benefits3 Defined benefit Defined contribution
Access Participation Take-up
rate
Access Participation Take-up
rate
Access Participation Take-up
rate
All workers
69
54
78
27
23
85
58
40
69
Worker characteristics
                 
Management, professional, and related
84
72
86
41
35
85
66
51
77
    Management, business, and financial
86
76
88
35
30
84
77
65
84
    Professional and related
83
70
85
43
37
85
62
45
74
        Teachers
84
73
87
70
60
86
36
19
52
            Primary, secondary, and special education
             school teachers
94
83
88
87
77
88
31
12
39
        Registered nurses
88
72
81
37
31
84
78
57
73
Service
47
31
65
17
15
89
37
18
50
    Protective service
78
62
79
54
50
91
43
20
46
Sales and office
71
52
74
21
17
79
63
44
69
    Sales and related
66
41
61
11
8
66
62
37
59
    Office and administrative support
74
59
80
27
22
82
64
48
74
Natural resources, construction, and maintenance
65
53
81
28
27
95
54
39
72
    Construction, extraction, farming, fishing, and
     forestry
62
50
82
31
30
97
45
32
71
    Installation, maintenance, and repair
69
55
80
26
24
94
62
45
72
Production, transportation, and material moving
71
54
76
25
21
85
62
43
69
    Production
74
56
76
22
18
84
71
49
70
    Transportation and material moving
68
52
76
27
23
86
54
37
68
Full time
80
65
81
33
29
87
67
48
72
Part time
37
22
59
10
8
73
31
16
53
Union
94
84
90
81
74
91
45
29
65
Nonunion
65
49
75
18
15
81
60
42
70
Average wage within the following categories:4
                 
    Lowest 25 percent
44
24
56
9
6
72
38
20
51
        Lowest 10 percent
33
15
45
5
3
59
30
12
42
    Second 25 percent
71
52
74
22
19
86
60
39
66
    Third 25 percent
81
68
84
35
31
87
66
50
76
    Highest 25 percent
89
79
89
48
41
87
71
57
80
        Highest 10 percent
90
80
89
47
39
84
75
61
81
Establishment characteristics
                 
Goods-producing industries
75
60
81
26
22
87
70
53
76
Service-providing industries
69
53
77
28
23
85
56
38
68
    Education and health services
79
65
83
42
36
86
54
37
68
        Educational services
87
77
88
72
62
86
37
21
56
            Elementary and secondary schools
89
80
89
84
75
89
26
10
38
            Junior colleges, colleges, and universities
88
77
87
54
42
77
62
44
70
        Health care and social assistance
73
57
78
21
18
85
66
48
72
            Hospitals
91
78
85
45
37
84
79
60
76
    Public administration
91
83
92
87
79
91
34
16
46
1 to 99 workers
53
38
71
11
9
85
48
33
68
    1 to 49 workers
48
34
71
8
7
85
45
31
68
    50 to 99 workers
67
48
72
18
15
84
58
39
67
100 workers or more
86
70
82
43
37
85
66
47
70
    100 to 499 workers
81
62
77
27
23
85
69
48
70
    500 workers or more
91
78
86
61
52
86
64
45
71
Geographic areas
                 
Northeast
71
58
82
31
27
86
57
42
73
    New England
72
59
81
28
25
91
57
43
76
    Middle Atlantic
71
58
82
32
27
85
57
42
73
South
70
52
74
27
23
85
59
38
65
    South Atlantic
70
54
76
29
25
84
61
40
65
    East South Central
73
51
70
27
23
84
58
36
61
    West South Central
68
50
74
24
21
86
56
37
67
Midwest
73
57
78
27
23
84
63
43
69
    East North Central
72
56
78
27
23
87
63
43
69
    West North Central
75
58
77
27
22
79
63
44
70
West
63
50
80
25
21
86
50
37
74
    Mountain
66
50
76
20
16
82
55
39
72
    Pacific
62
51
81
27
24
87
48
36
75
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 workers in the private nonfarm economy except those in private households, and workers in the public sector, except the federal government. See Technical Note for further
explanation.
3Includes 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.
4Surveyed 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 2016.

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.