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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 2022 [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 77 69 52 75 92 82 90

Worker characteristics

Management, professional, and related occupations

88 75 86 86 73 85 94 83 89

Management, business, and financial occupations

88 79 89 88 78 89 - - -

Professional and related occupations

87 74 85 85 70 83 93 83 89

Teachers

88 75 86 - - - 94 84 89

Primary, secondary, and special education school teachers

96 83 86 - - - 99 89 90

Registered nurses

89 76 85 - - - - - -

Service occupations

47 31 66 42 24 58 85 77 91

Protective service occupations

78 66 85 60 41 69 93 86 93

Sales and office occupations

75 52 70 73 50 68 92 82 89

Sales and related occupations

71 41 57 71 40 57 - - -

Office and administrative support occupations

77 60 78 74 57 76 92 82 89

Natural resources, construction, and maintenance occupations

68 53 78 66 50 76 97 90 93

Construction, extraction, farming, fishing, and forestry occupations

65 51 78 63 48 76 - - -

Installation, maintenance, and repair occupations

71 55 77 69 53 76 - - -

Production, transportation, and material moving occupations

73 56 77 73 55 76 90 83 93

Production occupations

74 59 79 73 58 79 - - -

Transportation and material moving occupations

73 55 75 72 53 74 - - -

Full time

81 66 82 78 62 80 99 89 90

Part time

43 22 51 43 20 48 45 38 86

Union

95 85 90 93 84 90 97 87 89

Nonunion

69 51 75 67 49 73 87 78 90

Average wage within the following categories:(4)

Lowest 25 percent

48 26 55 45 23 52 79 70 88

Lowest 10 percent

38 19 50 36 17 47 73 62 86

Second 25 percent

72 53 74 69 48 69 94 85 90

Third 25 percent

82 68 83 79 64 80 98 88 90

Highest 25 percent

92 82 89 90 80 89 97 86 89

Highest 10 percent

93 85 91 92 84 91 97 85 88

Establishment characteristics

Goods-producing industries

77 62 81 76 62 81 - - -

Service-providing industries

71 55 77 68 50 73 92 82 89

Education and health services

80 64 80 74 56 75 93 82 88

Educational services

88 77 88 72 61 85 93 82 89

Elementary and secondary schools

91 81 89 - - - 93 83 90

Junior colleges, colleges, universities, and professional schools

90 79 88 86 77 90 92 80 86

Health care and social assistance

76 57 75 74 55 74 93 79 85

Hospitals

92 80 87 - - - 94 78 83

Public administration

92 84 92 - - - 92 84 92

1 to 99 workers

58 41 71 56 38 69 88 80 92

1 to 49 workers

54 37 69 52 36 68 85 77 90

50 to 99 workers

72 54 75 69 50 72 90 84 93

100 workers or more

87 71 82 86 68 80 93 83 89

100 to 499 workers

83 64 76 82 61 74 92 83 90

500 workers or more

91 79 87 90 78 86 93 82 88

Geographic areas

Northeast

71 58 82 68 55 80 91 81 89

New England

71 56 79 69 54 78 87 74 85

Middle Atlantic

71 59 83 67 55 81 93 83 90

South

72 52 73 68 47 70 94 83 89

South Atlantic

74 54 73 71 50 70 91 80 87

East South Central

72 51 71 68 45 66 94 84 90

West South Central

68 51 75 62 44 71 97 89 91

Midwest

74 58 78 72 55 76 90 81 89

East North Central

75 59 78 73 56 77 89 80 89

West North Central

73 57 78 70 53 76 93 83 89

West

71 56 78 69 52 76 90 82 91

Mountain

75 56 76 72 52 72 88 83 94

Pacific

70 56 80 67 52 78 91 82 90

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.

Last Modified Date: September 22, 2022