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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 2020 [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 55 78 67 51 76 91 83 90

Worker characteristics

Management, professional, and related occupations

86 74 86 84 71 85 94 84 90

Management, business, and financial occupations

89 80 90 88 79 89 - - -

Professional and related occupations

85 72 84 82 67 82 93 83 89

Teachers

88 78 89 - - - 94 85 90

Primary, secondary, and special education school teachers

97 87 90 - - - 99 91 91

Registered nurses

90 78 87 - - - - - -

Service occupations

46 32 68 41 25 61 85 78 92

Protective service occupations

81 71 88 65 48 75 92 87 95

Sales and office occupations

75 55 73 73 52 71 91 83 91

Sales and related occupations

70 42 60 70 42 60 - - -

Office and administrative support occupations

78 62 80 75 59 78 92 83 91

Natural resources, construction, and maintenance occupations

64 51 80 61 48 78 97 92 94

Construction, extraction, farming, fishing, and forestry occupations

59 48 81 56 44 79 - - -

Installation, maintenance, and repair occupations

69 54 78 67 51 77 - - -

Production, transportation, and material moving occupations

71 55 77 70 54 77 90 83 91

Production occupations

72 58 80 72 58 80 - - -

Transportation and material moving occupations

69 51 75 68 49 73 - - -

Full time

80 66 82 77 61 80 99 90 91

Part time

40 22 55 39 20 52 45 39 87

Union

94 85 90 91 82 89 97 89 91

Nonunion

67 51 76 65 48 74 86 78 90

Average wage within the following categories:(4)

Lowest 25 percent

45 26 57 42 22 52 78 69 89

Lowest 10 percent

32 16 51 29 14 48 70 61 87

Second 25 percent

70 53 76 67 48 72 94 85 91

Third 25 percent

83 69 83 79 64 81 98 89 91

Highest 25 percent

90 81 90 88 78 89 97 88 91

Highest 10 percent

92 83 90 90 81 90 96 87 90

Establishment characteristics

Goods-producing industries

76 62 82 76 62 81 - - -

Service-providing industries

70 54 78 65 49 75 91 83 90

Education and health services

78 64 82 70 54 77 93 83 89

Educational services

88 78 89 70 61 87 93 83 89

Elementary and secondary schools

91 82 90 - - - 93 84 91

Junior colleges, colleges, universities, and professional schools

91 80 88 89 82 92 92 79 86

Health care and social assistance

72 55 76 71 53 75 93 80 85

Hospitals

93 82 87 - - - 93 78 84

Public administration

91 85 94 - - - 91 85 94

1 to 99 workers

55 40 72 53 37 69 88 83 95

1 to 49 workers

50 36 71 49 34 69 85 80 94

50 to 99 workers

71 52 72 69 46 68 91 87 95

100 workers or more

85 71 83 83 67 81 92 83 89

100 to 499 workers

81 64 78 80 60 76 91 84 92

500 workers or more

89 79 88 88 77 88 93 82 88

Geographic areas

Northeast

70 58 83 66 54 81 91 84 92

New England

72 58 81 70 56 79 86 76 88

Middle Atlantic

69 58 84 65 53 82 93 87 94

South

68 51 74 64 45 71 94 84 89

South Atlantic

70 51 74 67 47 71 91 80 88

East South Central

68 49 73 62 42 68 94 86 91

West South Central

66 51 77 60 44 72 97 88 90

Midwest

73 58 79 71 55 77 90 79 88

East North Central

73 58 80 71 56 78 89 78 89

West North Central

73 56 77 70 52 75 92 81 87

West

72 58 80 69 53 77 90 84 93

Mountain

74 59 80 72 55 77 87 83 95

Pacific

71 57 80 68 52 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 the Handbook of Methods: National Compensation Measures at www.bls.gov/opub/hom/ncs/home.htm 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.

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 24, 2020