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Employee Benefits Survey
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Financial benefits: Access

Table 41. Financial benefits: Access, private industry workers, March 2017
(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
26
16
38
40
17
6
19
8
2
1
6
Worker characteristics
                     
Management, professional, and related
40
26
58
62
23
9
29
10
5
2
6
    Management, business, and financial
50
28
62
65
22
9
30
15
7
4
10
    Professional and related
35
25
55
60
24
10
28
8
4
1
4
Service
10
7
20
20
11
4
8
3
[6]
[6]
3
    Protective service
26
30
8
5
12
1
1
Sales and office
30
16
36
39
15
5
23
10
3
2
8
    Sales and related
26
10
30
31
10
3
21
9
2
1
8
    Office and administrative support
32
20
40
44
18
7
24
10
3
2
8
Natural resources, construction, and maintenance
17
11
25
28
15
5
14
5
3
[6]
3
    Construction, extraction, farming, fishing, and
     forestry
11
6
13
16
13
6
8
2
1
    Installation, maintenance, and repair
23
15
36
39
18
4
20
8
4
4
Production, transportation, and material moving
21
17
38
39
17
5
15
9
1
1
8
    Production
25
19
39
40
17
6
17
6
1
1
4
    Transportation and material moving
17
15
37
38
18
4
14
12
[6]
1
12
Full time
32
20
45
48
19
7
23
9
3
1
7
Part time
9
5
18
17
10
3
9
5
1
[6]
5
Union
25
14
51
53
29
8
22
12
4
1
7
Nonunion
26
17
36
39
15
6
19
8
2
1
6
Average wage within the following categories:7
                     
    Lowest 25 percent
9
6
16
17
9
3
9
4
1
[6]
4
        Lowest 10 percent
4
5
11
11
8
1
5
2
2
    Second 25 percent
24
15
35
37
16
6
17
7
1
1
7
    Third 25 percent
32
21
46
49
20
8
23
9
3
1
7
    Highest 25 percent
42
27
61
65
24
9
31
13
6
3
8
        Highest 10 percent
48
29
68
70
25
10
34
15
8
3
8
Establishment characteristics
                     
Goods-producing industries
27
18
39
40
16
6
20
8
3
1
5
    Construction
13
8
12
15
12
5
8
3
2
    Manufacturing
34
22
51
51
17
6
26
11
5
2
6
Service-providing industries
25
16
38
40
17
6
19
8
2
1
6
    Trade, transportation, and utilities
25
13
37
38
13
3
20
11
2
1
10
        Wholesale trade
23
18
40
44
14
5
15
6
2
1
5
        Retail trade
25
7
28
29
9
1
22
9
2
1
8
        Transportation and warehousing
25
24
54
55
24
7
19
21
20
        Utilities
45
34
72
74
13
5
43
10
10
    Information
52
26
79
79
24
4
49
35
21
15
    Financial activities
51
31
66
66
20
11
38
19
8
7
17
        Finance and insurance
61
38
78
78
21
12
47
23
11
9
21
            Credit intermediation and related activities
60
37
79
79
21
13
42
27
13
12
25
            Insurance carriers and related activities
61
36
74
75
18
8
52
18
6
3
14
        Real estate and rental and leasing
20
11
28
28
17
9
8
6
6
    Professional and business services
28
15
34
37
20
8
15
7
2
1
5
        Professional and technical services
39
19
44
48
22
12
25
7
4
5
        Administrative and waste services
11
9
15
16
16
6
4
5
4
    Education and health services
27
23
47
51
23
9
22
2
[6]
[6]
        Educational services
29
25
56
58
34
16
26
            Junior colleges, colleges, and universities
43
36
80
83
46
21
40
        Health care and social assistance
26
23
45
50
22
8
21
2
[6]
    Leisure and hospitality
6
4
16
16
7
3
7
4
3
        Accommodation and food services
6
3
15
15
7
3
7
4
4
    Other services
14
9
14
16
5
6
2
1 to 99 workers
17
9
22
23
13
4
10
5
2
1
4
    1 to 49 workers
16
7
19
20
11
4
9
5
2
1
4
    50 to 99 workers
21
15
30
33
18
5
13
6
2
1
5
100 workers or more
36
25
57
60
21
8
31
11
3
2
9
    100 to 499 workers
34
20
47
49
19
8
26
9
3
1
7
    500 workers or more
40
34
73
77
25
9
39
15
5
2
11
Geographic areas
                     
Northeast
24
15
39
42
19
8
20
8
2
2
6
    New England
25
14
42
48
18
8
20
6
2
1
5
    Middle Atlantic
23
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
37
39
17
7
22
8
2
1
6
    East South Central
24
19
31
34
14
5
19
9
1
1
7
    West South Central
22
22
40
41
15
3
20
6
2
1
4
Midwest
30
19
41
43
18
5
18
8
2
1
7
    East North Central
29
17
41
42
19
5
18
8
2
1
7
    West North Central
32
23
40
44
14
5
18
8
2
[6]
7
West
27
11
35
37
15
6
18
10
4
2
7
    Mountain
27
10
33
35
12
2
20
9
3
1
7
    Pacific
26
11
35
38
16
8
17
10
5
2
6
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 established 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 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.