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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 2018
(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
71
55
78
26
22
83
60
42
71
Worker characteristics
                 
Management, professional, and related
86
75
87
41
34
83
70
54
78
    Management, business, and financial
88
77
88
34
28
83
79
66
83
    Professional and related
85
74
87
44
36
83
65
49
75
        Teachers
86
77
90
74
65
88
40
20
50
            Primary, secondary, and special education
             school teachers
95
86
91
89
80
91
34
13
38
        Registered nurses
91
80
88
42
31
75
81
67
82
Service
49
31
64
16
14
89
40
21
52
    Protective service
82
67
82
55
51
92
49
28
57
Sales and office
73
54
75
20
15
75
66
46
70
    Sales and related
68
42
62
11
7
62
65
39
60
    Office and administrative support
76
62
81
26
20
78
67
51
76
Natural resources, construction, and maintenance
64
50
78
25
23
94
55
38
69
    Construction, extraction, farming, fishing, and
     forestry
61
48
79
28
27
96
48
33
69
    Installation, maintenance, and repair
68
52
76
22
20
91
62
43
70
Production, transportation, and material moving
72
55
77
23
19
82
63
45
72
    Production
73
56
77
20
15
78
70
51
73
    Transportation and material moving
70
54
77
27
23
85
56
40
71
Full time
81
66
81
31
26
84
69
50
73
Part time
40
23
58
11
8
72
33
17
52
Union
95
84
89
80
72
89
47
31
66
Nonunion
67
51
76
18
14
79
62
44
71
Average wage within the following categories:4
                 
    Lowest 25 percent
46
25
55
8
6
72
41
21
50
        Lowest 10 percent
33
15
44
4
3
68
30
12
40
    Second 25 percent
72
55
76
21
17
81
62
43
70
    Third 25 percent
83
69
84
33
28
85
69
53
77
    Highest 25 percent
90
80
90
48
41
85
72
58
80
        Highest 10 percent
90
81
90
47
39
82
76
62
82
Establishment characteristics
                 
Goods-producing industries
75
60
79
23
19
84
71
54
75
Service-providing industries
70
55
78
27
22
83
58
40
70
    Education and health services
80
67
84
41
35
85
58
40
69
        Educational services
88
78
89
73
64
88
42
22
53
            Elementary and secondary schools
90
81
91
85
77
91
30
11
38
            Junior colleges, colleges, and universities
91
79
87
59
47
80
69
44
63
        Health care and social assistance
75
59
79
21
17
79
68
51
75
            Hospitals
93
79
85
45
34
76
83
66
79
    Public administration
91
85
94
87
79
91
36
19
54
1 to 99 workers
55
40
73
12
10
86
50
34
68
    1 to 49 workers
50
36
72
9
8
86
47
32
69
    50 to 99 workers
69
51
74
20
18
87
58
38
66
100 workers or more
86
71
82
41
33
82
70
51
72
    100 to 499 workers
84
64
77
28
23
82
71
49
70
    500 workers or more
90
78
87
56
46
82
70
53
75
Geographic areas
                 
Northeast
72
59
82
31
27
86
59
44
74
    New England
74
60
81
30
26
86
60
46
77
    Middle Atlantic
71
59
83
31
27
86
58
43
73
South
70
52
74
26
21
82
61
40
66
    South Atlantic
70
53
76
27
22
79
62
41
66
    East South Central
74
53
71
26
22
84
64
40
63
    West South Central
70
52
74
24
21
86
56
38
67
Midwest
72
57
79
25
21
82
63
46
72
    East North Central
72
58
80
25
21
82
64
47
73
    West North Central
73
56
77
26
21
82
61
43
71
West
69
55
80
25
20
83
57
42
74
    Mountain
74
60
81
21
18
85
63
48
77
    Pacific
67
53
79
26
22
83
55
39
72
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 2018.

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/national-compensation-survey-glossary-of-employee-benefit-terms.htm.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey.