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Employee Benefits Survey
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Health

 

Medical care benefits: Plan type
Table includes the percentage of workers enrolled in medical plans by fee-for-service or health maintenance organization plan type.

 

Medical care benefits: Selected plan characteristics
Table includes the percentage of workers in plans that include plan networks, allow non-emergency services outside a network, and require approval for specialty services from a primary care physician.

 

Medical care benefits: High deductible and non-high deductible health plans
Table includes the percentage of workers in high deductible and non-high deductible health plans.

 

Non-high deductible health plans: Summary of selected tax-favored accounts
Table includes the percentage of workers enrolled in non-high deductible health plans by selected tax-favored account type.

 

Non-high deductible health plans: Amount of annual individual deductible
Table includes the percentage of workers enrolled in non-high deductible health plans that require an annual individual deductible, the annual deductible amount by selected percentiles, and the percentage of workers in non-high deductible health plans with no deductible requirement.

 

High deductible health plans: Summary of selected tax-favored accounts
Table includes the percentage of workers enrolled in high deductible health plans by selected tax-favored account type.

 

High deductible health plans: Amount of annual individual deductible
Table includes the percentage of workers enrolled in fee-for-service medical plans that require an annual family deductible and the annual deductible amount by selected percentiles.

 

Fee-for-service plans: Summary of selected features
Table includes the percentage of workers enrolled in fee-for-service plans with an annual deductible, coinsurance, and an annual out-of-pocket maximum.

 

Fee-for-service plans: Type and amount annual individual deductible
Table includes the percentage of workers enrolled in fee-for-service medical plans that require an annual individual deductible and the annual deductible amount by selected percentiles.

 

Fee-for-service plans: Amount of annual individual deductible
Table includes the percentage of workers enrolled in fee-for-service medical plans that require an annual individual deductible and the annual deductible amount by selected percentiles.

 

Fee-for-service plans: Type and amount of annual family deductible
Table includes the percentage of workers enrolled in fee-for-service medical plans with fixed, variable, other, and no annual deductibles for families; and the median deductible amount for fixed deductible plans and variable deductible amounts for services received in-network, out-of-network, and most generous coverage.

 

Fee-for-service plans: Amount of annual family deductible
Table includes the percentage of workers enrolled in fee-for-service medical plans that require an annual family deductible and the annual deductible amount by selected percentiles.

 

Fee-for-service plans: Coinsurance percentage
Table includes the percentage of workers enrolled in fee-for-service medical plans that require fixed and variable coinsurance; and the median coinsurance percentage for fixed coinsurance plans and variable coinsurance percentages for services received in-network, out-of-network, and most generous coverage.

 

Fee-for-service plans: Amount of annual individual out-of-pocket maximum
Table includes the percentage of workers enrolled in fee-for-service medical plans that limit the annual amount of individual out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

 

Fee-for-service plans: Amount of annual family out-of-pocket maximum
Table includes the percentage of workers enrolled in fee-for-service medical plans that limit the annual amount of family out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

 

Health maintenance organizations: Summary of selected features
Table includes the percentage of workers enrolled in health maintenance organizations with an annual deductible, coinsurance, and an annual out-of-pocket maximum.

 

Health maintenance organizations: Amount of annual individual out-of-pocket maximum
Table includes the percentage of workers enrolled in health maintenance organizations that limit the annual amount of individual out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

 

Health maintenance organizations: Amount of annual family out-of-pocket maximum
Table includes the percentage of workers enrolled in health maintenance organizations that limit the annual amount of family out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

 

Outpatient prescription drug benefits: Type of coverage
Table includes the percentage of workers enrolled in outpatient prescription drug plans that provide coverage for brand-name drugs, brand-name nonformulary drugs, and mail order drugs. Formulary drugs are drugs approved by the health care provider. Drugs not approved by the health care provider are nonformulary drugs, for which enrollees receive less generous benefits, such as a higher prescription copayment.

 

Outpatient prescription drug benefits: Copayment provisions
Table includes the percentage of workers enrolled in outpatient prescription drug plans that require a copayment for generic drugs and brand-name drugs, and the median copayment amount per prescription.

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Retirement

 

Defined benefit plans: Availability and eligibility requirements for open plans
Table includes percent of workers participating in plans open to new employees, with minimum age and service requirement, minimum age only requirement, minimum service only requirement, no minimum age or service requirement, age and service requirement not determinable, and plans not open to new employees.

 

Defined benefit plans: Plan sponsor
Table includes percent of workers participating in plans sponsored by a single employer or multiple employers.

 

Defined benefit plans: Primary formula
Table includes percent of workers participating in plans with traditional formulas, including percent of terminal earnings, percent of career earnings, dollar amount, and percent of employer contribution; and non-traditional formulas, including cash balance, pension equity, and other formulas.

 

Defined benefit plans: Vesting requirements
Table includes percent of workers participating in plans with cliff vesting, the mean and median years required for cliff vesting, graded vesting, and immediate full vesting requirements.

 

Defined benefit plans: Integration with Social Security
Table includes percent of workers in plans integrating the benefit with Social Security by adjusting the percentage of the benefit to take into account the employer’s contribution to the Social Security tax (the FICA tax).

 

Defined benefit plans: Availability of selected benefit features
Table includes percent of workers participating in traditional and non-traditional plans with a lump-sum feature at normal retirement, availability of disability retirement benefits, a joint-and-survivor feature, and a preretirement survivor benefits.

 

Cash balance plans: Employer contributions
Table includes percent of workers participating in cash balance plans with flat rate percentage employer contributions, the mean flat rate (in percent), variable percentage employer contribution, and the method by which the employer contributions vary.

 

Traditional defined benefit plans: Availability of lump-sum benefits at retirement
Table includes percent of workers participating in plans with a lump-sum feature and the type of lump sum, either full or partial with reduced annuity, available at retirement.

 

Traditional defined benefit plans: Maximum benefit provisions
Table includes percent of workers enrolled in plans that are subject to maximum years of credited service and the maximum years of credited service by selected percentiles.

 

Traditional defined benefit plans: Terminal earnings formulas
Table includes percent of workers participating in plans with terminal earnings formulas determined by both a flat percent and a varied percent per year of service and the flat percent per year of service by selected percentiles.

 

Traditional defined benefit plans: Definition of terminal earnings
Table includes percent of workers participating in plans with terminal earnings formulas determined by the highest and highest consecutive five years of service or other time periods.

 

Traditional defined benefit plans: Normal retirement age and service requirements
Table includes percent of workers participating in traditional plans with age and/or service requirements for normal retirement (the point at which plan participants could retire and receive all accrued benefits).

 

Traditional defined benefit plans: Selected normal age requirements
Table includes percent of workers participating in traditional plans allowing normal retirement (the point at which plan participants could retire and receive all accrued benefits) before and at age 65 and with under and 10 years or more of service requirements, and age requirement by percentile.

 

Traditional defined benefit plans: Normal retirement service requirements
Table includes percent of workers participating in traditional plans with service requirements for normal retirement (the point at which plan participants could retire and receive all accrued benefits), by percentile.

 

Traditional defined benefit plans: Availability of early retirement with selected requirements
Table includes percent of workers in traditional plans allowing early retirement (receipt of benefits reduced to account for a longer period over which they are paid) with under and 10 years or more of service at age 55, and age requirement by percentile.

 

Traditional defined benefit plans: Early retirement service requirements
Table includes percent of workers in traditional defined benefit plans imposing service requirements for early retirement (receipt of benefits reduced to account for a longer period over which they are paid), by percentile.

 

Traditional defined benefit plans: Early retirement reductions
Table includes workers in traditional defined benefit plans with early retirement (receipt of benefits reduced to account for a longer period over which they are paid) by type of reduction method, including flat percent per year, reduction varies by age or service length, actuarial reduction, or other reduction.

 

Traditional defined benefit plans: Disability retirement benefits
Table includes percent of workers participating in plans with a disability retirement feature and whether the disability retirement begins immediately or is deferred.

 

Traditional defined benefit plans: Postretirement survivor benefits
Table includes percent of workers participating in plans with a joint-and-survivor annuity feature and the selected annuity percentages available.

 

Defined contribution plans: Type of plan
Table includes percent of workers participating in savings and thrift, deferred profit sharing, money purchase pension, employee stock ownership, simplified employee pension (SEP), or savings incentive match plan (SIMPLE).

 

Deferred profit-sharing plans: Method of employee contribution
Table includes percent of workers in deferred profit-sharing plans that allow pre-tax and post-tax employee contributions, and plans where employee contributions are not allowed.

 

Deferred profit-sharing plans: Selected features
Table includes percent of workers in deferred profit-sharing plans that specify whether the employer contribution is based on a predetermined formula, not based on predetermined formula, or whether the method is not determinable.

 

Money purchase pension plans: Method of employee contribution
Table includes percent of workers in money purchase pension plans that allow pre-tax and post-tax employee contributions, and plans where employee contributions are not allowed.

 

Money purchase pension plans: Employer contributions
Table includes percent of workers participating in plans with employer contributions as a fixed percent of earnings and the fixed percent of earnings at selected percentiles; and plans with other formulas.

 

Savings and thrift plans: Summary of provisions
Table includes percent of workers participating in plans with pre-tax contribution, Roth 401(k) (post-tax) contribution, automatic enrollment provision, and employee choice of investments for employer and employee contributions.

 

Savings and thrift plans: Automatic enrollment
Table includes percent of workers participating in plans with automatic enrollment available; with automatic enrollment as a percent of earnings and the default contribution as a percent of earnings by selected percentiles; and with no automatic enrollment available.

 

Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by employer
Table includes percent of workers participating in plans with automatic enrollment available; with default enrollment amount as a percent of the employee maximum amount matched by employer by selected percentiles; and with no automatic enrollment available.

 

Savings and thrift plans: Selected automatic escalation features
Table includes percent of workers participating in plans with automatic escalation available; with automatic escalation that increases for a predetermined number of years, median number of years of escalation, with automatic escalation up to a specified percent of earnings, median percent of earnings after maximum escalation, and with no automatic escalation available.

 

Savings and thrift plans: Maximum employee contributions
Table includes percent of workers participating in plans with maximum employee contribution based on a percent of earnings (up to the Internal Revenue Code limit) and the maximum percent of earnings amount by selected percentiles; a contribution of any amount up to the Internal Revenue Code limit; and plans with other maximum criteria.

 

Savings and thrift plans: Method of employer matching contributions
Table includes percent of workers with a specified matching percent and the specified matching percent by selected percentiles, and other matching methods specified by the employer.

 

Savings and thrift plans: Maximum employee contribution matched by employer
Table includes percent of workers participating in plans with a specified matching percent and the maximum employee contribution matched by employer by selected percentiles; and plans with other matching criteria.

 

Savings and thrift plans: Maximum potential employer contribution
Table includes the maximum potential employer contribution by selected percentiles.

 

Savings and thrift plans: Eligibility requirements
Table includes percent of workers participating in plans with minimum age or service requirement, the median age requirement (in years), and the median service requirement (in months); and plans with no minimum age or service requirement.

 

Savings and thrift plans: Vesting requirements
Table includes percent of workers participating in plans with immediate full vesting, cliff vesting, and graded vesting.

 

Savings and thrift plans: Investment choices for employee funds
Table includes percent of workers in traditional plans allowing early retirement (receipt of benefits reduced to account for a longer period over which they are paid) with under and 10 years or more of service at age 55, and age requirement by percentile.

 

Savings and thrift plans: Investment choices for employer funds
The percentage of workers participating in plans with investment choices for employer funds and the types of investments available.

 

Savings and thrift plans: Method of distribution of retirement benefits
Table includes percent of workers participating in plans with lump sum, installments, and other types of distribution methods.

 

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Last Modified Date: April 24, 2015