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Employee Benefits Survey
EBS EBS Program Links

Financial benefits: Access

Table 41. Financial benefits: Access, civilian workers,1 March 2016
(All workers = 100 percent)
Characteristics Health
savings
account
Section 125 cafeteria benefits Savings
plans with
no employer
contribution4
Financial
planning
Stock options
Flexible
benefits
Dependent
care flexible
spending
account2
Healthcare
flexible
spending
account3
Total5 Performance Signing Other
All workers
25
19
40
43
23
20
7
2
1
5
Worker characteristics
                   
Management, professional, and related
36
28
58
62
33
27
8
4
2
5
    Management, business, and financial
46
29
62
65
27
30
13
6
3
9
    Professional and related
32
28
56
61
36
27
6
3
1
3
        Teachers
23
32
50
58
53
21
            Primary, secondary, and special education
             school teachers
20
34
50
59
55
20
        Registered nurses
32
35
70
73
31
32
1
[6]
Service
10
10
23
24
17
12
2
[6]
[6]
2
    Protective service
19
22
44
47
38
21
[6]
[6]
Sales and office
29
17
38
41
19
23
9
2
1
7
    Sales and related
25
10
30
31
10
21
9
2
1
8
    Office and administrative support
31
21
43
46
24
25
8
3
2
7
Natural resources, construction, and maintenance
18
13
28
31
20
16
5
3
1
3
    Construction, extraction, farming, fishing, and
     forestry
13
9
17
21
19
10
2
2
    Installation, maintenance, and repair
23
17
38
41
21
21
7
4
4
Production, transportation, and material moving
21
18
38
39
19
15
9
1
1
8
    Production
25
19
39
40
18
17
5
1
1
4
    Transportation and material moving
18
16
37
38
21
13
11
[6]
1
11
Full time
31
23
47
51
26
23
7
3
1
5
Part time
9
6
18
18
13
11
4
1
[6]
4
Union
23
22
54
58
45
25
6
2
[6]
4
Nonunion
25
18
38
40
19
19
7
2
1
5
Average wage within the following categories:7
                   
    Lowest 25 percent
10
7
18
18
12
11
4
1
[6]
3
        Lowest 10 percent
4
4
11
11
8
6
2
[6]
2
    Second 25 percent
25
19
38
41
22
19
6
1
1
6
    Third 25 percent
31
24
49
52
28
25
7
2
1
5
    Highest 25 percent
38
29
61
65
33
29
10
5
2
6
        Highest 10 percent
42
29
65
69
33
31
13
7
3
7
Establishment characteristics
                   
Goods-producing industries
26
17
39
40
16
20
8
3
1
5
Service-providing industries
25
19
40
43
24
20
6
2
1
5
    Education and health services
26
28
50
56
37
22
1
[6]
[6]
        Educational services
28
33
55
62
55
23
            Elementary and secondary schools
22
34
50
57
55
19
            Junior colleges, colleges, and universities
46
35
71
78
63
34
        Health care and social assistance
25
24
46
51
24
22
2
[6]
            Hospitals
35
45
77
83
37
41
    Public administration
25
32
58
60
63
30
1 to 99 workers
16
9
21
23
14
10
4
2
1
3
    1 to 49 workers
15
7
19
20
12
9
4
1
1
3
    50 to 99 workers
20
15
30
33
19
14
6
2
1
5
100 workers or more
34
28
58
61
32
30
9
3
1
6
    100 to 499 workers
33
21
48
50
23
26
9
3
1
6
    500 workers or more
35
35
69
74
41
33
9
3
1
7
Geographic areas
                   
Northeast
21
14
38
42
26
21
7
2
1
5
    New England
22
13
42
47
24
20
5
1
1
5
    Middle Atlantic
21
14
37
41
27
21
7
2
1
5
South
24
23
41
43
23
21
6
2
1
5
    South Atlantic
25
21
40
43
23
22
6
2
1
5
    East South Central
29
25
33
36
24
18
7
1
1
6
    West South Central
22
24
45
46
23
20
5
2
1
4
Midwest
28
20
42
44
23
20
6
2
1
6
    East North Central
27
17
41
42
24
19
6
2
1
6
    West North Central
31
26
45
49
21
21
6
2
[6]
5
West
26
15
38
41
20
20
8
4
1
5
    Mountain
26
13
36
38
17
21
7
2
1
5
    Pacific
26
16
39
42
22
19
8
4
1
5
1Includes 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.
2Formerly referred to as Dependent care reimbursement account.
3Formerly referred to as Healthcare reimbursement account.
4Savings 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 employer to fund the esta blished plan.
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 2016.

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.