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Employee Benefits Survey
EBS EBS Program Links

Financial benefits: Access

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

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/glossary20162017.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.