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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 private industry workers, March 2018
(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
68
51
76
17
13
78
64
47
73
Worker characteristics
                 
Management, professional, and related
83
72
86
24
19
77
80
67
84
    Management, business, and financial
87
76
88
26
21
80
85
73
86
    Professional and related
81
69
85
23
17
75
78
64
83
Service
44
24
55
6
5
84
41
22
52
    Protective service
70
43
62
67
39
58
Sales and office
71
52
73
14
10
68
68
49
71
    Sales and related
68
42
62
10
6
61
65
39
60
    Office and administrative support
73
59
80
17
12
71
71
56
78
Natural resources, construction, and maintenance
62
47
76
20
19
95
56
39
70
    Construction, extraction, farming, fishing, and
     forestry
57
44
77
22
22
98
49
34
70
    Installation, maintenance, and repair
66
49
75
17
16
91
63
44
71
Production, transportation, and material moving
71
54
76
21
17
80
64
47
73
    Production
73
56
77
19
14
77
71
52
73
    Transportation and material moving
69
52
76
23
19
83
58
42
72
Full time
77
61
79
20
16
80
74
56
76
Part time
39
22
56
9
5
64
34
18
52
Union
92
82
88
68
61
89
58
46
80
Nonunion
65
48
74
12
8
72
64
47
72
Average wage within the following categories:3
                 
    Lowest 25 percent
44
22
51
5
3
62
41
20
49
        Lowest 10 percent
32
13
42
3
2
56
30
12
40
    Second 25 percent
67
49
72
12
8
72
64
45
70
    Third 25 percent
79
65
82
20
16
80
75
59
79
    Highest 25 percent
87
77
89
33
27
82
82
70
86
        Highest 10 percent
88
80
90
35
28
79
84
74
88
Establishment characteristics
                 
Goods-producing industries
75
60
79
22
19
84
71
54
76
    Construction
57
43
76
17
17
100
49
35
71
    Manufacturing
84
67
80
24
19
79
82
63
77
Service-providing industries
66
49
75
16
12
76
62
45
72
    Trade, transportation, and utilities
76
53
69
17
13
73
68
46
67
        Wholesale trade
79
65
82
11
8
76
78
63
80
        Retail trade
72
42
58
12
7
56
65
37
56
        Transportation and warehousing
82
68
83
33
28
84
64
51
80
        Utilities
97
93
96
73
66
89
97
80
82
    Information
86
77
90
33
28
86
86
74
86
    Financial activities
83
73
89
37
28
76
82
71
86
        Finance and insurance
93
85
92
47
35
75
92
83
90
            Credit intermediation and related activities
94
87
92
48
33
69
94
84
89
            Insurance carriers and related activities
89
82
91
44
38
87
89
78
88
        Real estate and rental and leasing
54
39
73
7
7
95
53
37
70
    Professional and business services
64
51
80
13
9
71
62
49
79
        Professional and technical services
79
67
85
12
10
80
78
65
83
        Administrative and waste services
41
28
69
4
3
75
39
27
68
    Education and health services
73
58
80
16
13
78
69
53
77
        Educational services
72
64
88
16
13
84
65
55
85
            Junior colleges, colleges, and universities
89
80
90
16
11
70
87
77
89
        Health care and social assistance
73
57
79
17
13
77
69
53
76
    Leisure and hospitality
34
15
42
2
2
100
33
13
38
        Accommodation and food services
34
13
38
2
2
100
32
11
35
    Other services
48
36
74
9
8
91
44
31
71
1 to 99 workers
53
37
70
7
6
80
51
35
69
    1 to 49 workers
49
34
70
6
5
81
48
33
69
    50 to 99 workers
66
46
70
11
9
79
62
42
68
100 workers or more
85
67
79
28
22
77
79
60
76
    100 to 499 workers
83
61
74
19
15
76
77
55
72
    500 workers or more
88
77
87
41
32
79
82
68
83
Geographic areas
                 
Northeast
69
55
80
22
18
82
63
49
78
    New England
72
57
79
22
19
83
67
52
77
    Middle Atlantic
68
55
80
22
18
81
62
48
78
South
66
47
71
15
11
75
64
43
68
    South Atlantic
66
48
73
17
13
73
63
44
70
    East South Central
70
46
66
14
69
44
64
    West South Central
65
45
69
12
9
78
63
43
68
Midwest
70
54
78
17
14
80
66
50
75
    East North Central
70
55
79
17
14
81
66
51
77
    West North Central
70
52
75
16
13
78
66
47
71
West
66
51
77
15
11
76
62
46
74
    Mountain
72
56
79
12
9
78
68
52
77
    Pacific
63
48
76
16
12
76
59
43
73
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 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.