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Employee Benefits Survey
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Table 19. Savings and thrift plans: Availability of rollovers, withdrawals, and loans, private industry workers, 2017
(All workers participating in savings and thrift plans = 100 percent)
Characteristics Rollovers allowed Non-hardship withdrawals(1) allowed Loans allowed
Yes No Not determinable Yes No Not determinable Yes No Not determinable

Worker characteristics

All workers

 83 2 15 12 68 19 71 11 18

Management, professional, and related

 80 - - - - - - - -

Management, business, and financial

 83 - - - - - - - -

Service

 85 - - 9 77 14 72 12 16

Protective service

 99 - 1 - 90 - 97 - -

Sales and office

 85 2 13 16 68 16 75 11 13

Sales and related

 90 - - 12 75 13 83 10 7

Office and administrative support

 83 2 15 18 65 17 72 12 16

Natural resources, construction, and maintenance

 83 - - 15 67 18 - - -

Construction, extraction, farming, fishing, and forestry

 - - - 14 69 18 - - -

Installation, maintenance, and repair

 84 - - 16 66 18 77 7 16

Production, transportation, and material moving

 84 2 15 9 75 16 73 11 16

Production

 81 - - 10 71 19 72 12 16

Transportation and material moving

 87 - - 7 80 13 73 11 16

Full time

 82 2 16 - - - 70 11 19

Part time

 90 3 6 12 76 13 83 9 8

Union

 77 - - 15 69 16 73 - -

Nonunion

 83 2 15 - - - 71 11 18

Average wage within the following categories(2):

Lowest 25 percent

 87 3 10 9 77 15 78 10 12

Lowest 10 percent

 85 - - - - - - - -

Second 25 percent

 84 2 14 8 76 17 75 11 14

Third 25 percent

 84 2 15 15 65 19 70 11 19

Highest 25 percent

 80 1 18 - - - - - -

Highest 10 percent

 82 - - - - - 71 10 19

Establishment characteristics

Goods-producing industries

 83 - - - - - - - -

Construction

 92 - 8 - 73 - 69 - -

Manufacturing

 79 - - - - - - - -

Service-providing industries

 83 2 15 13 69 19 72 11 17

Trade, transportation, and utilities

 88 3 9 8 77 15 80 11 10

Wholesale trade

 86 - - - - - 78 - -

Retail trade

 89 - - 9 80 11 81 14 5

Transportation and warehousing

 91 - 9 - 72 - 78 - -

Utilities

 78 - - - - - - - -

Information

 92 - 8 - 69 - 83 - -

Financial activities

 89 - - 30 53 18 71 14 14

Finance and insurance

 90 - - 33 50 17 76 11 13

Credit intermediation and related activities

 92 - - 46 41 13 82 - -

Insurance carriers and related activities

 87 - - - - - 65 16 19

Professional and business services

 84 - 16 - - - - - -

Education and health services: Educational services: Junior colleges, colleges, and universities

 59 - - - 76 - 70 - -

1 to 99 workers

 - - - 13 69 18 - - -

1 to 49 workers

 - - - 11 71 19 68 12 19

50 to 99 workers

 - - - 19 64 17 - - -

100 workers or more

 85 3 12 - - - 72 11 17

100 to 499 workers

 85 2 12 - - - 68 13 18

500 workers or more

 85 - - 18 63 19 78 7 15

Geographic areas

Northeast

 86 - - 16 70 14 79 7 13

New England

 92 - - - 74 - 86 - -

Middle Atlantic

 85 - - - 69 - 78 8 14

South

 84 - - - - - 69 11 19

South Atlantic

 82 - - - - - 73 9 18

East South Central

 87 - - - - - 73 - -

West South Central

 85 - - 17 66 17 - - -

Midwest

 82 - - - - - - - -

East North Central

 82 - - - - - - - -

West North Central

 81 - - - 76 - 74 14 13

West

 81 - - 11 70 19 75 8 17

Mountain

 - - - - 69 - 73 - -

Pacific

 83 - - 10 71 19 76 - -

Footnotes:
(1) Hardship is defined as immediate and heavy financial need, such as insufficiency of resources for healthcare, education, and payments for primary residence. IRS allows plans to offer the option of hardship withdrawals but does not impose such a requirement.
(2) Surveyed 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 data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2017."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20162017.htm.
Source: U.S. Bureau of Labor Statistics, National Compensation Survey.

 

Last Modified Date: May 15, 2018