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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 2021 [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

72 56 78 68 51 75 92 82 89

Worker characteristics

Management, professional, and related occupations

88 75 85 86 72 84 94 83 89

Management, business, and financial occupations

89 80 90 88 79 90 - - -

Professional and related occupations

87 72 83 84 68 81 93 82 88

Teachers

88 75 85 - - - 94 84 89

Primary, secondary, and special education school teachers

95 81 85 - - - 99 89 89

Registered nurses

88 75 85 - - - - - -

Service occupations

46 31 66 40 24 59 85 76 89

Protective service occupations

80 69 86 60 44 74 92 84 91

Sales and office occupations

75 54 72 73 51 70 92 82 89

Sales and related occupations

71 43 60 71 42 60 - - -

Office and administrative support occupations

77 61 79 75 58 77 92 83 89

Natural resources, construction, and maintenance occupations

67 53 79 65 50 77 97 90 93

Construction, extraction, farming, fishing, and forestry occupations

63 50 79 61 47 78 - - -

Installation, maintenance, and repair occupations

72 56 78 70 53 77 - - -

Production, transportation, and material moving occupations

72 56 77 72 55 76 90 81 90

Production occupations

74 59 79 74 58 79 - - -

Transportation and material moving occupations

71 53 75 70 52 74 - - -

Full time

81 66 81 78 62 80 99 88 89

Part time

42 22 53 41 21 50 45 39 87

Union

95 85 90 93 84 91 97 86 88

Nonunion

68 51 75 66 49 73 87 78 90

Average wage within the following categories:(4)

Lowest 25 percent

45 26 57 44 23 53 79 69 88

Lowest 10 percent

34 16 48 32 14 45 71 61 87

Second 25 percent

72 53 74 68 48 71 94 84 89

Third 25 percent

83 68 82 79 63 79 98 87 89

Highest 25 percent

92 81 89 90 79 88 97 87 90

Highest 10 percent

93 84 90 92 83 91 97 86 89

Establishment characteristics

Goods-producing industries

76 62 82 76 62 81 - - -

Service-providing industries

71 54 77 67 49 74 92 81 89

Education and health services

80 63 79 73 54 74 93 82 88

Educational services

89 78 87 74 62 83 93 82 88

Elementary and secondary schools

91 81 89 - - - 93 83 89

Junior colleges, colleges, universities, and professional schools

90 79 87 87 78 90 92 79 86

Health care and social assistance

74 55 74 73 53 73 93 78 84

Hospitals

91 79 87 - - - 93 77 83

Public administration

92 83 91 - - - 92 83 91

1 to 99 workers

58 41 71 56 39 69 88 80 91

1 to 49 workers

53 37 69 52 35 68 84 76 90

50 to 99 workers

73 55 76 70 51 72 91 84 92

100 workers or more

87 71 82 85 68 80 93 82 88

100 to 499 workers

82 63 77 80 60 75 92 83 90

500 workers or more

92 80 87 91 79 87 93 82 88

Geographic areas

Northeast

71 58 82 67 54 81 91 82 90

New England

74 59 79 73 56 78 86 74 86

Middle Atlantic

69 58 84 65 53 82 93 85 91

South

71 52 73 67 47 70 94 82 88

South Atlantic

73 54 74 71 51 71 91 79 86

East South Central

70 50 71 65 43 66 94 84 89

West South Central

67 49 74 61 42 69 97 87 90

Midwest

74 59 80 71 56 78 90 80 89

East North Central

74 59 80 72 57 78 89 79 89

West North Central

73 57 79 69 53 77 93 82 88

West

72 56 78 69 52 75 90 81 90

Mountain

75 57 76 73 52 72 88 83 94

Pacific

70 56 79 67 52 77 91 80 88

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 23, 2021