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Employee Benefits Survey
EBS EBS Program Links

Financial benefits: Access

Table 41. Financial benefits: Access, private industry workers, March 2016
(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
Healthcare
flexible
spending
account2
Total5 Performance Signing Other
All workers
25
16
37
40
17
6
20
8
2
1
6
Worker characteristics
                     
Management, professional, and related
40
26
58
62
23
9
28
10
5
2
6
    Management, business, and financial
49
28
62
65
21
9
30
15
7
3
10
    Professional and related
35
25
56
60
24
10
28
8
4
1
4
Service
8
7
19
19
10
4
10
2
[6]
[6]
2
    Protective service
12
25
29
8
5
12
1
1
Sales and office
29
15
36
39
15
5
23
9
3
1
8
    Sales and related
25
10
30
31
10
3
21
9
2
1
8
    Office and administrative support
32
19
40
44
18
7
24
10
3
2
8
Natural resources, construction, and maintenance
17
11
25
28
15
6
15
5
3
1
3
    Construction, extraction, farming, fishing, and
     forestry
11
6
13
16
14
7
9
3
2
    Installation, maintenance, and repair
23
15
37
39
17
4
20
8
4
4
Production, transportation, and material moving
21
17
37
39
18
5
15
9
1
1
8
    Production
25
19
38
39
17
6
17
6
1
1
4
    Transportation and material moving
18
15
36
38
18
5
13
12
[6]
1
11
Full time
31
20
45
48
19
7
23
9
3
1
6
Part time
9
5
17
17
10
3
10
5
1
[6]
4
Union
25
14
51
52
28
8
22
12
4
1
7
Nonunion
25
16
36
38
15
6
19
7
2
1
6
Average wage within the following categories:7
                     
    Lowest 25 percent
9
6
16
16
9
3
10
4
[6]
[6]
3
        Lowest 10 percent
3
4
10
10
8
1
5
2
[6]
2
    Second 25 percent
23
15
34
36
15
6
17
7
1
1
6
    Third 25 percent
32
21
46
49
20
8
23
8
3
1
6
    Highest 25 percent
42
27
61
65
24
9
31
13
6
2
8
        Highest 10 percent
46
29
68
70
24
10
33
16
9
3
9
Establishment characteristics
                     
Goods-producing industries
26
17
39
40
16
6
20
8
3
1
5
    Construction
13
7
12
16
12
5
8
4
2
    Manufacturing
33
22
51
51
17
6
25
11
5
2
6
Service-providing industries
25
16
37
40
17
6
19
8
2
1
6
    Trade, transportation, and utilities
25
13
36
38
14
3
20
11
2
1
10
        Wholesale trade
23
19
40
44
13
5
15
6
1
1
5
        Retail trade
25
7
28
29
10
1
22
9
2
1
8
        Transportation and warehousing
26
25
54
55
26
7
19
21
20
        Utilities
45
34
70
73
13
5
43
10
10
    Information
50
26
80
80
26
4
51
32
20
13
    Financial activities
50
31
65
65
20
11
37
19
8
7
17
        Finance and insurance
61
37
77
78
21
12
47
23
11
9
21
            Credit intermediation and related activities
60
37
79
79
21
13
42
27
13
11
25
            Insurance carriers and related activities
61
36
73
75
18
7
52
17
6
2
13
        Real estate and rental and leasing
19
10
27
26
14
7
6
6
6
    Professional and business services
28
15
35
37
20
8
15
8
3
1
5
        Professional and technical services
39
19
44
48
22
13
25
8
4
5
        Administrative and waste services
12
8
16
17
16
6
5
5
4
    Education and health services
26
24
47
52
23
9
22
2
[6]
[6]
        Educational services
29
25
57
59
34
16
26
            Junior colleges, colleges, and universities
43
35
79
82
46
20
40
        Health care and social assistance
26
23
45
50
21
8
21
2
[6]
    Leisure and hospitality
4
3
13
14
7
3
9
        Accommodation and food services
3
3
12
12
7
3
9
    Other services
14
9
14
16
5
6
2
1 to 99 workers
16
9
21
23
13
5
10
5
2
1
4
    1 to 49 workers
15
7
18
19
11
4
9
4
1
1
3
    50 to 99 workers
20
14
30
33
17
6
13
6
2
1
5
100 workers or more
36
25
58
60
21
8
31
11
4
2
9
    100 to 499 workers
35
20
48
50
18
8
27
10
3
1
7
    500 workers or more
38
34
73
76
25
8
38
14
4
2
11
Geographic areas
                     
Northeast
24
15
39
42
20
8
20
8
2
2
6
    New England
24
15
41
47
19
9
19
6
1
1
5
    Middle Atlantic
24
15
38
40
20
8
20
8
2
2
6
South
23
19
37
39
16
6
21
7
2
1
5
    South Atlantic
24
17
36
38
16
7
22
7
2
1
6
    East South Central
24
19
31
34
14
6
19
9
1
1
7
    West South Central
21
22
41
42
15
3
20
6
2
1
4
Midwest
29
19
41
43
18
5
18
7
2
1
6
    East North Central
28
17
41
42
19
5
19
7
2
1
6
    West North Central
32
24
41
45
15
5
18
8
2
[6]
6
West
25
10
34
36
14
6
18
9
4
1
6
    Mountain
26
10
32
34
11
2
20
8
2
1
6
    Pacific
25
10
35
37
16
8
17
9
5
2
5
1Formerly referred to as Dependent care reimbursement account.
2Formerly referred to as Healthcare 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 employer to fund the esta blished 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 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.