Financial benefits: Access

Table 41. Financial benefits: Access, civilian workers,1 March 2018
(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
29
18
42
45
23
21
7
2
1
6
Worker characteristics
                   
Management, professional, and related
42
28
61
65
33
28
9
3
2
6
    Management, business, and financial
49
27
62
66
26
29
14
5
3
11
    Professional and related
39
29
60
65
36
28
7
3
1
4
        Teachers
35
35
55
61
56
23
[6]
            Primary, secondary, and special education
             school teachers
35
38
54
62
58
21
        Registered nurses
36
33
77
79
33
32
1
1
Service
14
11
25
26
16
11
3
[6]
[6]
3
    Protective service
22
23
43
49
39
19
Sales and office
32
15
39
42
18
23
8
2
1
7
    Sales and related
27
8
30
31
10
22
8
2
1
7
    Office and administrative support
35
20
44
48
23
24
9
2
1
7
Natural resources, construction, and maintenance
20
13
28
31
17
15
4
3
[6]
2
    Construction, extraction, farming, fishing, and
     forestry
14
9
17
21
16
10
2
    Installation, maintenance, and repair
25
16
38
41
19
20
7
4
1
3
Production, transportation, and material moving
24
17
41
42
22
17
9
1
1
8
    Production
27
19
40
41
19
19
5
1
1
5
    Transportation and material moving
20
16
42
43
24
15
12
1
12
Full time
35
23
50
53
26
24
8
2
1
6
Part time
11
5
19
19
12
10
5
1
[6]
5
Union
28
21
58
64
47
25
7
2
[6]
5
Nonunion
29
18
39
42
19
20
7
2
1
6
Average wage within the following categories:7
                   
    Lowest 25 percent
12
8
20
21
11
11
4
[6]
[6]
4
        Lowest 10 percent
7
6
14
13
8
7
2
[6]
[6]
2
    Second 25 percent
28
17
39
42
21
19
6
1
1
6
    Third 25 percent
35
23
51
55
28
24
8
2
1
6
    Highest 25 percent
43
29
64
68
34
31
11
4
2
7
        Highest 10 percent
47
28
67
72
33
31
13
6
3
8
Establishment characteristics
                   
Goods-producing industries
29
18
40
41
16
23
7
3
1
5
Service-providing industries
29
18
43
46
24
20
7
2
1
6
    Education and health services
32
27
52
58
37
22
2
[6]
[6]
2
        Educational services
37
35
60
66
56
25
1
[6]
1
            Elementary and secondary schools
33
37
54
61
55
21
[6]
            Junior colleges, colleges, and universities
48
36
79
82
65
37
1
1
1
        Health care and social assistance
28
22
48
53
25
20
3
3
            Hospitals
38
41
81
86
37
41
2
    Public administration
35
35
64
69
66
31
1
1
1 to 99 workers
19
10
24
27
14
10
5
1
1
4
    1 to 49 workers
17
8
21
22
12
9
5
1
1
4
    50 to 99 workers
24
17
34
39
22
13
5
2
[6]
3
100 workers or more
38
27
60
63
31
31
9
3
1
7
    100 to 499 workers
36
20
50
52
24
27
9
2
1
7
    500 workers or more
42
34
71
76
40
35
10
3
2
8
Geographic areas
                   
Northeast
24
13
41
46
26
21
7
2
1
6
    New England
27
12
46
52
21
21
8
1
1
6
    Middle Atlantic
23
14
39
44
27
21
7
2
1
5
South
28
23
43
45
23
22
6
2
1
5
    South Atlantic
28
21
42
44
24
21
6
2
1
5
    East South Central
28
24
41
42
21
25
7
2
1
6
    West South Central
28
27
45
47
22
22
6
2
1
5
Midwest
32
19
43
46
22
19
7
1
[6]
6
    East North Central
31
18
43
45
23
20
7
1
[6]
7
    West North Central
35
23
44
49
20
17
7
1
[6]
6
West
30
14
41
43
21
20
8
3
1
6
    Mountain
29
16
43
46
20
22
8
2
1
7
    Pacific
30
13
39
42
21
19
8
4
1
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 2018.

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/national-compensation-survey-glossary-of-employee-benefit-terms.htm.

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