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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