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Economic News Release
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Table 1. Retirement benefits: Access, participation, and take-up rates

Table 1. Retirement benefits(1): Access, participation, and take-up rates, March 2019 [All workers = 100 percent]
Characteristics Civilian(2) Private industry State and local government
Access Participation Take-up rate(3) Access Participation Take-up rate(3) Access Participation Take-up rate(3)

All workers

71 56 79 67 52 77 91 83 91

Worker characteristics

Management, professional, and related occupations

86 75 87 84 72 86 93 84 90

Management, business, and financial occupations

88 78 89 87 77 89 - - -

Professional and related occupations

85 74 87 82 69 85 93 84 90

Teachers

87 77 89 - - - 94 85 90

Primary, secondary, and special education school teachers

95 85 90 - - - 99 90 91

Registered nurses

89 79 88 - - - - - -

Service occupations

48 32 66 43 25 58 84 78 93

Protective service occupations

78 66 85 61 39 64 92 88 96

Sales and office occupations

74 56 76 72 54 74 91 82 90

Sales and related occupations

68 44 65 68 44 65 - - -

Office and administrative support occupations

77 63 82 75 60 80 92 83 90

Natural resources, construction, and maintenance occupations

64 50 78 61 47 76 97 90 93

Construction, extraction, farming, fishing, and forestry occupations

60 48 79 57 44 77 - - -

Installation, maintenance, and repair occupations

67 52 77 65 49 75 - - -

Production, transportation, and material moving occupations

72 56 77 72 55 77 90 81 90

Production occupations

74 58 79 73 58 79 - - -

Transportation and material moving occupations

71 54 76 70 52 74 - - -

Full time

80 66 82 77 61 80 99 90 91

Part time

40 24 60 39 22 57 45 39 87

Union

94 85 90 91 82 90 97 88 91

Nonunion

67 51 77 65 49 75 86 78 91

Average wage within the following categories:(4)

Lowest 25 percent

46 27 58 43 23 54 78 70 90

Lowest 10 percent

32 16 48 31 13 43 69 60 88

Second 25 percent

70 54 77 67 49 73 94 86 91

Third 25 percent

84 70 84 80 66 82 98 89 91

Highest 25 percent

90 80 90 87 77 89 97 87 91

Highest 10 percent

90 81 90 88 79 90 95 85 90

Establishment characteristics

Goods-producing industries

76 61 80 76 61 80 - - -

Service-providing industries

70 55 79 66 50 76 91 83 91

Education and health services

79 66 84 72 57 80 93 83 89

Educational services

88 78 89 73 61 84 93 83 90

Elementary and secondary schools

91 82 90 - - - 93 85 91

Junior colleges, colleges, universities, and professional schools

91 79 87 89 81 91 92 79 86

Health care and social assistance

74 59 80 72 57 79 93 81 87

Hospitals

93 81 87 - - - 93 79 85

Public administration

91 85 94 - - - 91 85 94

1 to 99 workers

56 41 73 54 38 71 87 82 94

1 to 49 workers

51 38 74 50 36 72 85 80 95

50 to 99 workers

70 51 73 67 46 69 90 84 93

100 workers or more

86 71 83 84 68 81 93 83 90

100 to 499 workers

81 64 78 80 61 76 91 85 93

500 workers or more

90 79 88 89 78 88 93 82 88

Geographic areas

Northeast

71 59 83 67 55 81 91 84 92

New England

72 60 83 70 57 82 85 75 88

Middle Atlantic

70 59 84 66 54 81 93 86 93

South

70 52 75 66 47 71 94 84 90

South Atlantic

70 53 75 67 48 72 91 81 89

East South Central

71 52 73 67 46 69 94 86 92

West South Central

68 52 77 62 45 73 97 88 91

Midwest

72 57 79 70 54 78 90 79 89

East North Central

71 57 80 69 54 79 89 78 88

West North Central

74 58 78 71 54 75 92 82 89

West

71 58 82 68 54 79 89 83 93

Mountain

75 63 84 73 60 82 86 82 95

Pacific

69 56 80 66 51 78 91 84 92

Footnotes
(1) Includes defined benefit pension plans and defined contribution retirement plans. Workers are considered as having access or as participating if they have access to or are participating in at least one of these plan types.
(2) Includes workers in private industry and state and local government. See Technical Note for further explanation.
(3) The take-up rate is calculated from the unrounded percentage of workers with access to a plan and who participate in the plan.
(4) 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 2019."

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.

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Last Modified Date: September 20, 2019