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Table 2. Percent of employees participating in selected employee benefit programs,(1) various employment groups, 1994-96 Full-time employees in - Part-time Employee benefit program employees Medium and Small inde- 1996 Small estab- large estab- pendent lishments lishments establishmen- 1994 1995(2) ts 1996(3) Paid time off Holidays.................... 24 82 89 80 Vacations................... 30 88 96 86 Personal leave.............. 5 13 22 14 Funeral leave............... 16 50 80 47 Jury duty leave............. 23 58 85 55 Military leave.............. 5 17 44 13 Sick leave(4)............... 10 50 58 48 Family leave................ 1 2 2 2 Insurance Short-term disability(4)...... 13 26 53 27 Long-term disability.......... 2 20 42 18 Medical care.................. 6 66 77 62 Dental care................... 4 28 57 27 Life.......................... 7 61 87 57 Retirement All retirement(5)............. 13 42 80 42 Defined benefit plans........ 4 15 52 11 Defined contribution plans(6) 10 34 55 35 Savings and thrift......... 4 17 41 19 Deferred profit sharing.... 5 13 13 12 Employee stock ownership... (7) 1 5 (7) Money purchase pension..... 2 5 7 4 Tax deferred earnings arrangements With employer contributions.. 5 20 45 20 Without employer contributions............. 2 3 9 4 1 Except for certain tax deferred earnings arrangements, employers pay some or all of the costs for each benefit. 2 Private establishments employing 100 or more workers. 3 Not under common ownership or control with any other establishment. 4 The definitions of paid sick leave and short-term disability (previously, sickness and accident insurance) were changed after 1994. Paid sick leave now includes only plans with an unlimited or specified number of days per year. Short-term disability now includes all insured, self-insured, and state-mandated plans that provide benefits for each disability, including unfunded plans reported as sick leave in 1994. 5 Includes defined benefit and defined contribution plans. Some employees participate in both types, but are counted just once in all retirement. 6 Total participation is less than the sum of individual plan types because some employees participate in two or more types of plans. 7 Less than 0.5 percent. NOTE: For paid time off, participants include all employees in occupations offered the benefit.