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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 2017
(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
70
54
77
28
23
83
59
40
69
Worker characteristics
                 
Management, professional, and related
85
73
86
42
35
83
68
52
76
    Management, business, and financial
88
77
88
37
31
84
79
65
83
    Professional and related
84
71
85
44
37
83
63
46
73
        Teachers
85
74
87
71
61
85
40
20
50
            Primary, secondary, and special education
             school teachers
94
82
87
87
76
87
35
13
38
        Registered nurses
89
74
84
38
32
82
78
60
77
Service
47
30
62
17
14
87
37
18
49
    Protective service
79
63
80
56
51
91
43
22
50
Sales and office
72
53
74
21
16
75
64
44
69
    Sales and related
67
41
62
11
7
60
63
38
59
    Office and administrative support
75
60
80
27
22
79
65
49
75
Natural resources, construction, and maintenance
66
52
79
27
26
94
56
39
71
    Construction, extraction, farming, fishing, and
     forestry
62
49
80
30
28
96
47
33
71
    Installation, maintenance, and repair
69
54
78
25
23
93
64
45
71
Production, transportation, and material moving
71
54
76
25
21
84
62
43
70
    Production
74
56
76
22
18
83
71
50
71
    Transportation and material moving
69
52
75
28
23
85
54
37
68
Full time
81
65
80
33
28
85
68
48
72
Part time
38
22
59
11
8
72
32
16
52
Union
94
83
88
82
72
88
46
30
65
Nonunion
66
49
75
19
15
80
61
42
70
Average wage within the following categories:4
                 
    Lowest 25 percent
45
25
55
9
6
69
40
20
51
        Lowest 10 percent
34
15
44
5
3
65
31
12
40
    Second 25 percent
70
52
74
22
18
83
60
40
66
    Third 25 percent
82
68
83
36
31
86
68
51
75
    Highest 25 percent
90
80
89
50
42
85
72
57
79
        Highest 10 percent
91
81
89
48
39
82
76
61
81
Establishment characteristics
                 
Goods-producing industries
75
60
80
26
22
85
70
53
76
Service-providing industries
69
53
77
28
23
83
57
38
68
    Education and health services
80
65
81
42
36
84
57
38
66
        Educational services
88
76
86
73
62
85
42
21
51
            Elementary and secondary schools
90
78
87
84
73
87
29
10
35
            Junior colleges, colleges, and universities
91
77
85
59
46
78
68
43
63
        Health care and social assistance
74
57
78
22
18
84
67
48
72
            Hospitals
91
78
86
45
38
83
80
62
77
    Public administration
91
84
92
87
78
90
36
19
52
1 to 99 workers
55
40
73
14
12
84
49
33
68
    1 to 49 workers
50
36
72
10
9
85
46
31
68
    50 to 99 workers
68
50
73
23
19
84
57
38
66
100 workers or more
85
68
80
42
35
83
68
48
70
    100 to 499 workers
80
61
76
29
24
83
67
46
68
    500 workers or more
91
77
85
57
48
83
70
50
72
Geographic areas
                 
Northeast
72
58
82
31
27
85
58
42
73
    New England
73
57
78
27
23
84
59
44
75
    Middle Atlantic
71
59
83
33
28
86
57
42
73
South
71
53
74
28
23
83
60
39
65
    South Atlantic
71
54
76
29
24
81
62
41
66
    East South Central
72
50
70
26
22
85
62
37
60
    West South Central
70
52
74
26
23
87
56
36
65
Midwest
73
56
77
27
22
83
63
44
69
    East North Central
72
55
76
27
23
84
64
43
68
    West North Central
75
58
77
27
22
82
63
44
70
West
64
51
79
25
21
81
52
38
73
    Mountain
66
52
78
21
17
81
56
41
73
    Pacific
63
50
80
28
23
81
50
37
74
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.
2Includes workers in private industry and state and local 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 2017.

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20162017.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.