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Table 11. Percent of full-time employees participating in retirement plans and tax deferred retirement plans, medium and large private establishments, 1991,1993, 1995, and 1997 (in percent) 1991 1993 1995 1997 All retirement(1).............. 78 78 80 79 Defined benefit............... 59 56 52 50 Defined contribution.......... 48 49 55 57 Cash or deferred arrangements 401(k) plans................ 44 43 54 55 1 Includes defined benefit and defined contribution plans. Some employees participate in both types, but are counted just once in all retirement.