Financial benefits: Access

Table 41. Financial benefits: Access, private industry workers, March 2018
(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
28
15
39
41
16
6
20
8
2
1
7
Worker characteristics
                     
Management, professional, and related
44
25
60
63
22
10
29
12
5
2
8
    Management, business, and financial
50
25
61
65
20
9
29
16
6
3
12
    Professional and related
40
25
59
63
23
10
29
9
4
1
6
Service
11
7
20
21
10
4
9
3
[6]
3
    Protective service
20
27
7
4
9
Sales and office
31
13
37
39
14
4
23
9
2
1
8
    Sales and related
27
8
30
31
10
2
22
8
2
1
7
    Office and administrative support
34
17
41
45
17
6
24
10
3
2
8
Natural resources, construction, and maintenance
19
11
25
28
14
5
14
5
3
[6]
3
    Construction, extraction, farming, fishing, and
     forestry
12
7
13
17
12
7
8
2
    Installation, maintenance, and repair
24
15
36
39
16
4
20
7
5
1
4
Production, transportation, and material moving
23
16
40
41
20
6
17
9
1
1
9
    Production
27
18
39
41
18
6
19
5
1
1
5
    Transportation and material moving
20
14
41
42
21
6
14
13
1
12
Full time
34
19
46
49
18
7
23
9
3
1
7
Part time
10
4
18
17
10
3
10
5
1
[6]
5
Union
25
15
55
59
31
8
22
12
4
[6]
8
Nonunion
28
15
37
39
15
6
19
8
2
1
6
Average wage within the following categories:7
                     
    Lowest 25 percent
11
6
18
18
9
3
11
4
[6]
[6]
4
        Lowest 10 percent
6
5
12
11
8
1
7
2
[6]
2
    Second 25 percent
26
13
35
37
15
5
17
7
1
1
7
    Third 25 percent
35
19
46
49
19
7
23
9
2
1
7
    Highest 25 percent
44
26
63
67
24
10
31
14
6
2
10
        Highest 10 percent
49
28
69
72
24
11
33
16
7
3
11
Establishment characteristics
                     
Goods-producing industries
29
18
40
41
16
6
23
7
3
1
5
    Construction
15
9
14
18
10
3
8
2
2
    Manufacturing
36
22
51
52
19
7
29
10
4
2
7
Service-providing industries
27
15
39
41
16
6
19
8
2
1
7
    Trade, transportation, and utilities
27
11
38
40
13
3
21
10
2
1
9
        Wholesale trade
26
17
40
45
15
4
13
6
2
2
5
        Retail trade
26
5
28
29
8
1
23
8
2
[6]
7
        Transportation and warehousing
28
21
59
60
28
7
18
22
21
        Utilities
46
25
67
68
12
4
41
5
5
    Information
57
27
78
79
26
6
47
38
22
4
20
    Financial activities
53
28
65
64
17
8
35
19
7
6
17
        Finance and insurance
64
35
79
79
18
9
45
24
9
8
22
            Credit intermediation and related activities
63
34
79
79
17
11
39
25
10
10
24
            Insurance carriers and related activities
66
34
76
76
16
5
50
22
6
3
18
        Real estate and rental and leasing
19
9
23
22
13
6
8
5
4
    Professional and business services
32
16
37
41
21
9
16
8
2
6
        Professional and technical services
44
21
46
51
22
12
26
10
4
8
        Administrative and waste services
12
9
18
19
18
7
4
5
4
    Education and health services
28
21
47
51
23
10
20
3
[6]
[6]
2
        Educational services
34
23
57
60
34
17
28
2
1
1
            Junior colleges, colleges, and universities
48
34
80
84
46
19
41
2
2
2
        Health care and social assistance
27
21
45
50
21
9
19
3
3
    Leisure and hospitality
7
4
16
17
6
2
9
4
3
        Accommodation and food services
7
4
15
15
5
2
9
3
3
    Other services
15
7
16
17
11
4
7
2
2
1 to 99 workers
18
9
22
25
12
4
9
5
2
1
4
    1 to 49 workers
17
7
20
21
10
4
8
5
1
1
4
    50 to 99 workers
23
14
31
35
17
6
12
5
2
[6]
4
100 workers or more
39
23
58
60
22
8
32
11
3
1
9
    100 to 499 workers
36
18
49
50
19
8
28
10
2
1
8
    500 workers or more
43
31
72
76
26
10
38
14
4
2
11
Geographic areas
                     
Northeast
26
14
40
44
19
8
20
8
2
1
7
    New England
28
13
45
52
15
7
21
9
1
2
7
    Middle Atlantic
25
14
38
42
20
9
19
8
2
1
6
South
26
18
38
39
15
6
21
7
2
1
6
    South Atlantic
26
16
37
38
16
7
20
7
2
1
6
    East South Central
25
18
36
37
13
5
24
8
2
1
7
    West South Central
27
21
41
42
14
3
21
7
2
1
6
Midwest
31
18
41
43
17
4
18
8
1
1
7
    East North Central
30
16
41
42
18
5
19
8
2
1
7
    West North Central
33
21
41
45
13
4
16
7
1
[6]
7
West
28
10
36
39
15
7
19
9
4
1
7
    Mountain
27
12
39
42
14
5
20
9
2
1
8
    Pacific
28
10
35
38
16
8
18
9
4
1
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 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.