Standard Errors
Financial benefits: Access

Table 41. Standard errors for financial benefits: Access, civilian workers,1 March 2018
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
Total Performance Signing Other
All workers
0.8
0.4
0.6
0.7
0.6
0.5
0.4
0.1
0.1
0.3
Worker characteristics
                   
Management, professional, and related
1.2
0.9
1.0
1.1
0.9
1.0
0.6
0.3
0.2
0.5
    Management, business, and financial
1.8
1.2
1.6
1.5
1.3
1.7
1.3
0.7
0.4
1.0
    Professional and related
1.2
1.0
1.2
1.3
1.1
1.2
0.6
0.4
0.3
0.5
        Teachers
1.6
1.8
1.9
1.9
1.8
1.5
[5]
            Primary, secondary, and special education
             school teachers
2.1
2.4
2.4
2.3
2.4
1.7
        Registered nurses
3.0
3.3
2.7
2.7
2.6
3.8
0.4
0.3
Service
1.1
0.8
1.3
1.3
1.0
1.1
0.7
0.1
0.1
0.7
    Protective service
2.0
3.2
3.4
3.6
3.1
2.0
Sales and office
1.2
0.6
1.1
1.0
0.6
0.8
0.6
0.2
0.1
0.6
    Sales and related
1.4
0.8
1.4
1.4
0.9
1.2
0.8
0.3
0.3
0.7
    Office and administrative support
1.3
0.7
1.3
1.3
0.9
1.0
0.7
0.2
0.1
0.8
Natural resources, construction, and maintenance
1.1
0.9
1.3
1.4
1.1
0.8
0.7
0.5
0.1
0.5
    Construction, extraction, farming, fishing, and
     forestry
1.4
1.2
1.7
1.9
1.4
1.3
0.7
    Installation, maintenance, and repair
1.5
1.2
2.0
2.1
1.6
1.1
1.1
0.9
0.3
0.6
Production, transportation, and material moving
1.2
1.0
1.5
1.4
1.6
0.9
0.9
0.2
0.2
0.8
    Production
1.8
1.5
1.7
1.7
2.0
1.2
0.6
0.4
0.2
0.5
    Transportation and material moving
1.8
1.2
2.3
2.2
1.8
1.1
1.5
0.3
1.4
Full time
0.8
0.6
0.7
0.7
0.7
0.6
0.4
0.2
0.1
0.4
Part time
0.8
0.4
0.9
0.9
0.7
0.6
0.5
0.1
0.1
0.5
Union
1.2
1.1
1.4
1.3
1.3
1.0
0.8
0.4
0.1
0.6
Nonunion
0.9
0.5
0.7
0.7
0.5
0.6
0.4
0.2
0.1
0.4
Average wage within the following categories:6
                   
    Lowest 25 percent
0.9
0.5
0.9
1.0
0.8
0.9
0.4
0.1
0.1
0.4
        Lowest 10 percent
1.4
0.7
1.2
0.8
1.0
1.5
0.5
[5]
0.1
0.5
    Second 25 percent
1.0
0.8
1.3
1.3
0.8
0.7
0.5
0.1
0.1
0.5
    Third 25 percent
1.2
1.0
1.1
1.2
1.0
0.8
0.7
0.3
0.1
0.6
    Highest 25 percent
1.3
0.9
1.1
1.1
1.0
1.2
0.7
0.5
0.3
0.5
        Highest 10 percent
2.0
1.5
1.6
1.6
1.5
1.8
1.2
0.8
0.4
0.9
Establishment characteristics
                   
Goods-producing industries
1.4
0.9
1.2
1.2
1.1
1.2
0.8
0.6
0.4
0.5
Service-providing industries
0.9
0.5
0.7
0.7
0.6
0.6
0.4
0.1
0.1
0.4
    Education and health services
1.1
1.0
1.6
1.9
1.4
1.1
0.8
0.1
0.1
0.8
        Educational services
1.3
1.3
1.0
0.9
1.3
1.2
0.3
[5]
0.2
            Elementary and secondary schools
1.8
1.7
1.5
1.4
1.5
1.3
0.2
            Junior colleges, colleges, and universities
1.5
1.9
1.3
1.5
2.0
3.2
0.5
0.1
0.5
        Health care and social assistance
1.7
1.5
2.5
3.0
2.2
1.7
1.2
1.2
            Hospitals
2.2
3.3
2.4
2.2
2.5
3.6
0.6
    Public administration
1.8
1.4
0.9
1.4
2.0
1.7
0.4
0.3
1 to 99 workers
1.0
0.6
0.8
0.9
0.7
0.6
0.6
0.2
0.1
0.6
    1 to 49 workers
1.1
0.5
0.9
1.0
0.6
0.6
0.7
0.2
0.1
0.7
    50 to 99 workers
1.5
1.6
1.6
1.9
1.5
1.4
0.8
0.5
0.1
0.7
100 workers or more
1.0
0.7
1.0
0.9
0.7
0.9
0.5
0.2
0.1
0.4
    100 to 499 workers
1.3
1.0
1.3
1.1
1.1
1.1
0.5
0.2
0.1
0.5
    500 workers or more
1.4
1.1
1.4
1.4
1.3
1.4
0.7
0.4
0.3
0.6
Geographic areas
                   
Northeast
1.4
0.8
1.3
1.4
1.4
1.1
1.1
0.3
0.2
0.8
    New England
2.1
1.5
2.2
2.3
1.9
2.0
2.0
0.2
0.3
2.2
    Middle Atlantic
1.8
0.9
1.5
1.8
1.9
1.2
1.3
0.4
0.2
0.8
South
1.3
0.9
1.0
0.9
0.8
1.1
0.5
0.2
0.2
0.5
    South Atlantic
1.1
1.1
1.0
1.1
1.0
1.7
0.6
0.3
0.2
0.6
    East South Central
6.2
3.7
4.5
3.8
2.0
2.1
1.9
0.5
0.3
2.2
    West South Central
1.9
1.5
1.6
1.3
1.4
1.5
0.8
0.4
0.4
0.8
Midwest
2.4
1.0
1.3
1.0
0.9
1.0
0.7
0.2
0.1
0.6
    East North Central
3.5
1.1
1.6
1.4
1.2
1.3
1.0
0.2
0.2
0.9
    West North Central
0.9
1.9
2.2
1.4
0.9
1.5
0.8
0.4
0.2
0.7
West
1.1
0.7
1.7
2.0
1.5
1.1
0.8
0.4
0.3
0.7
    Mountain
1.9
1.0
3.1
4.4
1.2
1.7
2.0
0.7
0.3
1.9
    Pacific
1.3
0.8
2.0
2.1
2.2
1.4
0.6
0.4
0.4
0.5
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.
5Less than 0.05.
6Surveyed 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.