Retirement benefits: Access, participation, and take-up rates

Table 2. Retirement benefits: Access, participation, and take-up rates,1 State and local government workers, March 2016
(All workers = 100 percent)
Characteristics All retirement benefits2 Defined benefit Defined contribution
Access Participation3 Take-up
rate3
Access Participation3 Take-up
rate3
Access Participation Take-up
rate
All workers
90
81
90
85
75
88
33
15
46
Worker characteristics
                 
Management, professional, and related
92
81
89
87
75
87
34
15
45
    Professional and related
92
81
89
87
76
87
33
14
43
        Teachers
91
80
88
88
76
86
32
12
38
            Primary, secondary, and special education
             school teachers
99
88
89
99
87
88
28
8
29
Service
86
78
90
79
71
90
30
13
44
    Protective service
92
85
92
86
79
92
33
14
43
Sales and office
91
82
90
85
76
89
36
17
48
    Office and administrative support
92
83
90
86
77
89
36
17
47
Natural resources, construction, and maintenance
97
91
94
90
83
92
35
20
57
Production, transportation, and material moving
85
78
91
78
72
91
26
11
42
Full time
99
89
90
93
82
88
37
17
46
Part time
40
34
85
37
32
87
10
4
36
Union
97
87
89
95
84
88
33
12
35
Nonunion
84
76
90
76
67
89
33
18
55
Average wage within the following categories:4
                 
    Lowest 25 percent
76
68
89
70
62
89
27
13
46
        Lowest 10 percent
63
55
87
57
49
87
20
9
47
    Second 25 percent
93
84
90
87
77
89
33
16
47
    Third 25 percent
95
86
91
89
79
89
36
17
48
    Highest 25 percent
98
87
89
94
82
87
36
15
42
        Highest 10 percent
97
84
86
91
76
83
42
17
39
Establishment characteristics
                 
Service-providing industries
90
81
90
85
75
88
33
15
46
    Education and health services
92
81
88
86
74
86
33
14
42
        Educational services
92
81
88
89
77
86
29
11
38
            Elementary and secondary schools
92
82
89
92
81
88
23
7
28
            Junior colleges, colleges, and universities
89
77
86
78
62
79
49
26
53
        Health care and social assistance
91
79
87
69
59
86
55
33
60
            Hospitals
94
79
84
69
58
83
57
35
61
    Public administration
91
83
92
87
79
91
34
16
46
1 to 99 workers
80
72
91
70
62
88
28
17
60
    1 to 49 workers
73
66
91
62
55
88
24
14
58
    50 to 99 workers
90
81
90
82
72
89
34
21
61
100 workers or more
92
82
90
87
77
88
34
15
44
    100 to 499 workers
88
81
92
81
74
91
31
15
50
    500 workers or more
93
83
89
89
78
87
35
15
42
State government
94
84
90
87
75
86
44
21
49
Local government
89
80
90
84
75
89
29
13
44
Geographic areas
                 
Northeast
91
82
90
87
77
89
30
8
25
    New England
85
81
95
82
77
95
9
    Middle Atlantic
93
82
88
88
77
87
36
7
19
South
92
82
89
86
76
88
37
16
44
    South Atlantic
90
81
89
88
76
87
50
18
37
    East South Central
95
83
87
87
76
87
27
    West South Central
92
83
91
83
75
91
20
14
69
Midwest
87
77
89
79
68
86
40
16
41
    East North Central
85
78
91
79
71
90
44
14
32
    West North Central
91
77
85
79
62
78
33
20
59
West
91
83
91
86
78
91
22
18
82
    Mountain
88
77
88
83
71
86
24
16
65
    Pacific
92
86
93
88
81
92
22
19
90
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.
3The 2014 estimates are not strictly comparable to corresponding estimates in previous years. See technical note for more information.
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: 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.