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 2017
(All workers = 100 percent)
Characteristics All retirement benefits2 Defined benefit Defined contribution
Access Participation Take-up
rate
Access Participation Take-up
rate
Access Participation Take-up
rate
All workers
91
80
88
86
74
86
37
16
44
Worker characteristics
                 
Management, professional, and related
94
81
86
89
75
85
39
16
40
    Professional and related
93
80
86
88
75
85
39
15
39
        Teachers
94
81
86
91
77
85
37
13
34
            Primary, secondary, and special education
             school teachers
99
86
87
99
85
87
32
8
26
Service
84
76
90
78
69
89
31
16
50
    Protective service
92
86
94
89
81
91
33
18
52
Sales and office
91
80
88
85
73
86
37
18
49
    Office and administrative support
92
81
88
86
74
86
37
18
49
Natural resources, construction, and maintenance
97
89
91
90
81
90
39
21
53
Production, transportation, and material moving
90
80
89
87
77
89
27
12
46
Full time
99
87
88
94
81
86
40
18
44
Part time
46
39
84
40
35
87
16
7
42
Union
97
83
86
94
80
85
34
12
36
Nonunion
86
77
89
79
69
88
39
19
50
Average wage within the following categories:3
                 
    Lowest 25 percent
78
68
87
71
62
88
30
13
44
        Lowest 10 percent
67
58
87
58
51
88
25
12
47
    Second 25 percent
94
83
88
88
77
87
39
18
48
    Third 25 percent
98
86
88
93
81
86
38
18
46
    Highest 25 percent
97
84
87
92
78
85
41
16
39
        Highest 10 percent
96
82
85
91
75
83
45
17
38
Establishment characteristics
                 
Service-providing industries
91
80
88
86
74
86
37
16
44
    Education and health services
93
79
85
88
74
84
38
14
38
        Educational services
93
79
86
90
76
85
35
12
33
            Elementary and secondary schools
93
80
86
92
79
86
27
7
26
            Junior colleges, colleges, and universities
92
76
83
83
66
79
59
25
43
        Health care and social assistance
93
78
83
73
60
82
55
31
56
            Hospitals
93
77
83
69
56
81
59
36
61
    Public administration
91
84
92
87
78
90
36
19
52
1 to 99 workers
87
79
90
83
75
90
28
12
43
    1 to 49 workers
85
78
91
81
73
91
25
11
46
    50 to 99 workers
90
80
89
85
76
89
30
12
40
100 workers or more
93
80
87
87
74
85
40
18
44
    100 to 499 workers
91
81
90
87
77
89
30
13
43
    500 workers or more
93
80
86
87
72
84
44
20
45
State government
96
83
87
91
76
84
49
21
43
Local government
90
79
88
84
74
87
33
15
44
Geographic areas
                 
Northeast
91
80
88
87
76
88
31
9
28
    New England
86
68
80
78
64
83
15
    Middle Atlantic
93
84
90
90
80
89
36
8
23
South
94
83
89
89
78
88
42
17
41
    South Atlantic
92
79
87
88
74
85
57
21
38
    East South Central
94
85
91
89
81
91
39
19
48
    West South Central
97
87
90
90
81
90
21
10
47
Midwest
90
76
85
83
69
84
41
17
42
    East North Central
88
74
84
82
68
83
47
17
36
    West North Central
92
80
87
84
72
86
30
17
57
West
89
78
88
84
71
85
29
20
68
    Mountain
86
78
91
77
67
87
34
25
74
    Pacific
90
79
87
86
73
84
28
18
64
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 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.
3Surveyed 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.