Annual Bulletin on Benefit Plan Details 

National Compensation Survey: Health and Retirement Plan 

Provisions in Private Industry in the United States, 2014

U.S. Department of Labor 

Thomas E. Perez, Secretary 

U.S. Bureau of Labor Statistics 

Erica L. Groshen, Commissioner 

April 2015

Bulletin 2781

Contents 

Overview 

Retirement Tables 

Health Tables 

Technical note 

Appendix table 1: Survey establishment response 

Appendix table 2: Number of workers represented 
Overview

The National Compensation Survey (NCS) provides comprehensive measures of compensation cost 

trends, the incidence of benefits, and detailed benefit provisions for private industry, state and local 

government, and the total of these two sectors, civilian workers. Agricultural and household workers, 

federal government employees, the military, and the self-employed are excluded. This bulletin presents 

estimates of the detailed provisions of employer-provided health and retirement plans in private industry 

in 2014. Estimates presented are on employee benefits by various employee and employer 

characteristics. 

For more information on these data and recent and historical NCS benefits data, call the information line 

at (202) 691–6199, use the contact EBS link to send email, or visit the benefits home page 

at www.bls.gov/ebs. Information is made available to sensory-impaired individuals upon request (Voice 

phone: (202) 691–5200; Federal Relay Service: 1 (800) 877–8339). Data requests also may be sent to 

U.S. Bureau of Labor Statistics, Division of Compensation Data Analysis and Planning, 2 Massachusetts 

Avenue NE, Room 4175, Washington, DC 20212. Material in this publication is in the public domain and, 

with appropriate credit, may be reproduced without permission.

U. S. Bureau of Labor Statistics (BLS) field economists collected and reviewed the survey data. The Office 

of Compensation and Working Conditions, in cooperation with the Office of Field Operations and the 

Office of Technology and Survey Processing (all in the BLS National Office), designed the survey, 

processed the data, and prepared the survey for publication. The survey could not have been conducted 

without the cooperation of the many private businesses and state and local government agencies and 

jurisdictions that provided benefits data included in this bulletin. BLS thanks these respondents for their 

cooperation.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,

2014

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Worker characteristics

All workers ............................................................... 81 2 6 69 4 –

Management, professional, and related .................. 79 2 6 65 6 –

Management, business, and financial ................. 80 – 5 70 – –

Professional and related ...................................... 78 2 7 62 8 –

Service ..................................................................... 63 – 9 47 7 –

Sales and office ....................................................... 84 – 6 75 2 –

Sales and related ................................................. 87 – 5 78 – –

Office and administrative support ........................ 83 – 6 73 2 –

Natural resources, construction, and maintenance 83 – 6 73 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 85 – – 76 – –

Installation, maintenance, and repair ................... 82 – 8 71 – –

Production, transportation, and material moving ..... 88 – 6 79 – –

Production ............................................................ 89 – 5 83 – –

Transportation and material moving .................... 86 – 7 75 – –

Full time ................................................................... 81 2 6 70 3 –

Part time .................................................................. 77 – 9 58 6 –

Union ....................................................................... 77 – 6 61 6 –

Nonunion ................................................................. 81 1 6 70 3 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 79 – 9 66 – –

Second 25 percent ............................................... 82 1 5 73 3 –

Third 25 percent ................................................... 80 – 7 69 3 –

Highest 25 percent ............................................... 81 3 6 68 5 –

Highest 10 percent ........................................... 81 3 6 70 3 –

Establishment characteristics

Goods-producing industries ..................................... 85 – 4 78 – –

Construction ......................................................... 81 – 6 70 – –

Manufacturing ...................................................... 85 – 4 80 – –

Service-providing industries ..................................... 80 2 7 66 4 –

Trade, transportation, and utilities ....................... 89 – 7 79 – –

Retail trade ...................................................... 89 – 6 79 – –

Financial activities ................................................ 80 – 4 72 – –

Finance and insurance .................................... 86 – 3 80 2 –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristics

All workers ............................................................... 19 15 5 –

Management, professional, and related .................. 21 16 6 –

Management, business, and financial ................. 20 16 4 –

Professional and related ...................................... 22 15 7 –

Service ..................................................................... 37 29 – –

Sales and office ....................................................... 16 12 3 –

Sales and related ................................................. 13 9 – –

Office and administrative support ........................ 17 14 3 –

Natural resources, construction, and maintenance 17 13 4 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 15 11 – –

Installation, maintenance, and repair ................... 18 13 – –

Production, transportation, and material moving ..... 12 10 2 –

Production ............................................................ 11 9 – –

Transportation and material moving .................... 14 11 – –

Full time ................................................................... 19 14 5 –

Part time .................................................................. 23 19 – –

Union ....................................................................... 23 18 – –

Nonunion ................................................................. 19 14 4 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 21 17 – –

Second 25 percent ............................................... 18 14 4 –

Third 25 percent ................................................... 20 15 5 –

Highest 25 percent ............................................... 19 15 4 –

Highest 10 percent ........................................... 19 15 4 –

Establishment characteristics

Goods-producing industries ..................................... 15 13 2 –

Construction ......................................................... 19 16 – –

Manufacturing ...................................................... 15 12 2 –

Service-providing industries ..................................... 20 15 5 –

Trade, transportation, and utilities ....................... 11 9 2 –

Retail trade ...................................................... 11 10 – –

Financial activities ................................................ 20 16 – –

Finance and insurance .................................... 14 11 – –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,

2014—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Credit intermediation and related activities .. 87 – – 80 – –

Insurance carriers and related activities ...... 81 – 5 74 – –

Professional and business services ..................... 79 – 5 69 – –

Professional and technical services ................. 78 – 6 64 – –

Education and health services ............................. 72 – 9 51 12 –

Educational services ........................................ 71 – – 48 4 –

Junior colleges, colleges, and universities ... 74 – – 53 8 –

Health care and social assistance ................... 72 – – 51 14 –

1 to 99 workers ........................................................ 76 – 5 68 – –

1 to 49 workers .................................................... 74 – 5 67 – –

50 to 99 workers .................................................. 81 – 6 73 – –

100 workers or more ................................................ 84 2 7 70 5 –

100 to 499 workers .............................................. 84 2 7 71 4 –

500 workers or more ............................................ 84 – 7 68 8 –

Geographic areas

Northeast ................................................................. 79 – 8 61 6 –

New England ....................................................... 74 – 9 54 – –

Middle Atlantic ..................................................... 80 – 8 63 5 –

South ....................................................................... 86 1 8 73 3 –

South Atlantic ....................................................... 81 – 8 70 – –

West South Central .............................................. – – – 78 – –

Midwest .................................................................... 90 – 4 81 3 –

East North Central ............................................... 90 – 4 81 3 –

West North Central .............................................. 90 – – 81 – –

West ......................................................................... 65 – 5 57 2 –

Mountain .............................................................. 68 – 6 59 – –

Pacific .................................................................. 63 – – 56 2 –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Credit intermediation and related activities .. 13 11 – –

Insurance carriers and related activities ...... 19 14 – –

Professional and business services ..................... 21 14 – –

Professional and technical services ................. 22 16 – –

Education and health services ............................. 28 22 6 –

Educational services ........................................ 29 15 14 –

Junior colleges, colleges, and universities ... 26 16 10 –

Health care and social assistance ................... 28 23 – –

1 to 99 workers ........................................................ 24 19 5 –

1 to 49 workers .................................................... 26 21 5 –

50 to 99 workers .................................................. 19 14 – –

100 workers or more ................................................ 16 11 4 –

100 to 499 workers .............................................. 16 12 4 –

500 workers or more ............................................ 16 11 5 –

Geographic areas

Northeast ................................................................. 21 14 7 –

New England ....................................................... 26 – – –

Middle Atlantic ..................................................... 20 12 8 –

South ....................................................................... 14 9 5 –

South Atlantic ....................................................... 19 12 – –

West South Central .............................................. – – – –

Midwest .................................................................... 10 7 – –

East North Central ............................................... 10 7 – –

West North Central .............................................. 10 – – –

West ......................................................................... 35 32 – –

Mountain .............................................................. 32 – – –

Pacific .................................................................. 37 34 – –

1 This type of plan obligates employees to use only the plan’s providers in order to receive coverage. 2 This type of plan provides coverage through a network of participating health care providers. Enrollees may receive

services outside the network, but generally at a higher cost. The additional costs may be in the form of higher deductibles,

higher coinsurance rates, or both, or in the form of nondiscounted charges from providers. 3 This type of plan provides services through a network of participating health care providers. Services received within

the network or through select medical facilities generally provide more generous benefits than services received outside the

network. 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that

data do 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/glossary20142015.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2014

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Worker characteristics

All workers ............................................................... 1.4 0.3 0.7 1.5 0.4 –

Management, professional, and related .................. 2.2 0.5 0.9 2.2 0.8 –

Management, business, and financial ................. 2.5 – 1.1 2.9 – –

Professional and related ...................................... 2.9 0.5 1.1 2.9 1.1 –

Service ..................................................................... 5.7 – 2.5 4.7 1.6 –

Sales and office ....................................................... 1.5 – 0.9 1.9 0.5 –

Sales and related ................................................. 1.9 – 1.2 1.9 – –

Office and administrative support ........................ 1.8 – 1.2 2.4 0.6 –

Natural resources, construction, and maintenance 2.1 – 1.2 2.7 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.2 – – 4.0 – –

Installation, maintenance, and repair ................... 3.3 – 1.6 3.4 – –

Production, transportation, and material moving ..... 2.0 – 1.1 2.3 – –

Production ............................................................ 2.0 – 1.3 2.5 – –

Transportation and material moving .................... 3.3 – 1.7 3.5 – –

Full time ................................................................... 1.4 0.4 0.7 1.5 0.5 –

Part time .................................................................. 4.7 – 2.4 4.6 1.5 –

Union ....................................................................... 3.7 – 1.3 3.8 1.6 –

Nonunion ................................................................. 1.5 0.3 0.7 1.5 0.5 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 5.2 – 2.6 4.7 – –

Second 25 percent ............................................... 2.4 0.2 0.8 2.3 0.5 –

Third 25 percent ................................................... 2.0 – 0.9 2.2 0.7 –

Highest 25 percent ............................................... 1.7 0.5 0.8 1.9 0.6 –

Highest 10 percent ........................................... 2.1 0.7 1.1 2.5 0.7 –

Establishment characteristics

Goods-producing industries ..................................... 1.6 – 0.7 1.7 – –

Construction ......................................................... 2.6 – 1.7 3.5 – –

Manufacturing ...................................................... 2.3 – 1.0 2.3 – –

Service-providing industries ..................................... 1.8 0.4 0.8 1.8 0.5 –

Trade, transportation, and utilities ....................... 1.5 – 1.1 1.8 – –

Retail trade ...................................................... 2.0 – 1.5 2.6 – –

Financial activities ................................................ 3.4 – 1.0 3.5 – –

Finance and insurance .................................... 2.0 – 0.6 2.3 0.3 –

See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry

workers, National Compensation Survey, 2014—continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristics

All workers ............................................................... 1.4 1.2 0.6 –

Management, professional, and related .................. 2.2 1.8 1.2 –

Management, business, and financial ................. 2.5 2.1 1.0 –

Professional and related ...................................... 2.9 2.6 1.7 –

Service ..................................................................... 5.7 5.8 – –

Sales and office ....................................................... 1.5 1.4 0.7 –

Sales and related ................................................. 1.9 1.3 – –

Office and administrative support ........................ 1.8 1.8 0.8 –

Natural resources, construction, and maintenance 2.1 1.9 1.1 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.2 1.8 – –

Installation, maintenance, and repair ................... 3.3 2.9 – –

Production, transportation, and material moving ..... 2.0 1.9 0.6 –

Production ............................................................ 2.0 2.0 – –

Transportation and material moving .................... 3.3 3.2 – –

Full time ................................................................... 1.4 1.3 0.6 –

Part time .................................................................. 4.7 3.2 – –

Union ....................................................................... 3.7 3.3 – –

Nonunion ................................................................. 1.5 1.3 0.6 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 5.2 5.1 – –

Second 25 percent ............................................... 2.4 2.2 1.0 –

Third 25 percent ................................................... 2.0 1.6 1.2 –

Highest 25 percent ............................................... 1.7 1.6 0.8 –

Highest 10 percent ........................................... 2.1 1.7 1.1 –

Establishment characteristics

Goods-producing industries ..................................... 1.6 1.6 0.4 –

Construction ......................................................... 2.6 2.2 – –

Manufacturing ...................................................... 2.3 2.1 0.5 –

Service-providing industries ..................................... 1.8 1.6 0.8 –

Trade, transportation, and utilities ....................... 1.5 1.4 0.6 –

Retail trade ...................................................... 2.0 2.2 – –

Financial activities ................................................ 3.4 3.2 – –

Finance and insurance .................................... 2.0 1.4 – –

See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Credit intermediation and related activities .. 2.1 – – 2.5 – –

Insurance carriers and related activities ...... 3.8 – 1.2 4.4 – –

Professional and business services ..................... 2.9 – 1.3 3.7 – –

Professional and technical services ................. 3.4 – 1.7 4.1 – –

Education and health services ............................. 3.7 – 2.2 3.7 1.5 –

Educational services ........................................ 4.9 – – 5.5 1.0 –

Junior colleges, colleges, and universities ... 3.1 – – 3.5 1.7 –

Health care and social assistance ................... 4.2 – – 4.3 1.7 –

1 to 99 workers ........................................................ 2.4 – 0.7 2.4 – –

1 to 49 workers .................................................... 2.9 – 0.7 2.9 – –

50 to 99 workers .................................................. 3.3 – 1.6 3.7 – –

100 workers or more ................................................ 1.5 0.5 1.0 1.6 0.7 –

100 to 499 workers .............................................. 2.1 0.7 1.1 2.4 0.8 –

500 workers or more ............................................ 1.9 – 1.7 2.4 1.3 –

Geographic areas

Northeast ................................................................. 3.2 – 1.1 4.0 1.1 –

New England ....................................................... 7.4 – 1.5 6.2 – –

Middle Atlantic ..................................................... 3.4 – 1.3 4.9 1.3 –

South ....................................................................... 2.1 0.3 1.6 2.1 1.0 –

South Atlantic ....................................................... 3.5 – 2.2 3.0 – –

West South Central .............................................. – – – 3.5 – –

Midwest .................................................................... 1.6 – 0.8 2.2 0.7 –

East North Central ............................................... 1.9 – 0.9 2.2 0.8 –

West North Central .............................................. 2.7 – – 4.8 – –

West ......................................................................... 3.8 – 1.0 3.6 0.1 –

Mountain .............................................................. 9.2 – 1.1 9.1 – –

Pacific .................................................................. 3.4 – – 2.8 0.2 –

See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry

workers, National Compensation Survey, 2014—continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Credit intermediation and related activities .. 2.1 1.4 – –

Insurance carriers and related activities ...... 3.8 2.9 – –

Professional and business services ..................... 2.9 2.8 – –

Professional and technical services ................. 3.4 3.5 – –

Education and health services ............................. 3.7 3.7 1.8 –

Educational services ........................................ 4.9 2.9 4.1 –

Junior colleges, colleges, and universities ... 3.1 2.3 2.3 –

Health care and social assistance ................... 4.2 4.3 – –

1 to 99 workers ........................................................ 2.4 2.2 1.0 –

1 to 49 workers .................................................... 2.9 2.9 1.1 –

50 to 99 workers .................................................. 3.3 2.3 – –

100 workers or more ................................................ 1.5 1.2 0.9 –

100 to 499 workers .............................................. 2.1 1.9 1.1 –

500 workers or more ............................................ 1.9 1.5 1.4 –

Geographic areas

Northeast ................................................................. 3.2 2.7 1.4 –

New England ....................................................... 7.4 – – –

Middle Atlantic ..................................................... 3.4 2.2 1.6 –

South ....................................................................... 2.1 1.5 1.3 –

South Atlantic ....................................................... 3.5 2.2 – –

West South Central .............................................. – – – –

Midwest .................................................................... 1.6 1.3 – –

East North Central ............................................... 1.9 1.4 – –

West North Central .............................................. 2.7 – – –

West ......................................................................... 3.8 3.8 – –

Mountain .............................................................. 9.2 – – –

Pacific .................................................................. 3.4 3.6 – –

1 This type of plan obligates employees to use only the plan’s providers in order to receive coverage. 2 This type of plan provides coverage through a network of participating health care providers. Enrollees may receive

services outside the network, but generally at a higher cost. The additional costs may be in the form of higher deductibles,

higher coinsurance rates, or both, or in the form of nondiscounted charges from providers. 3 This type of plan provides services through a network of participating health care providers. Services received within

the network or through select medical facilities generally provide more generous benefits than services received outside the

network. 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, National Compensation Survey, 2014

(All workers participating in medical care plans = 100 percent)

Characteristics

Plan network Allow non-emergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 98 2 – 77 23 – 24 74 1

Management, professional, and related .................. 98 2 – 77 23 – 24 74 2

Management, business, and financial ................. 98 – – 77 23 – 24 74 2

Professional and related ...................................... 98 2 – 77 23 – 24 75 1

Service ..................................................................... 99 – – 62 38 – 42 57 1

Sales and office ....................................................... 98 – – 80 20 – 20 79 1

Sales and related ................................................. 97 – – 84 16 – 15 84 1

Office and administrative support ........................ 99 – – 78 22 – 22 77 1

Natural resources, construction, and maintenance 99 – – 80 20 – 25 75 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 98 – – 82 18 – 23 77 1 ( )

Installation, maintenance, and repair ................... 99 – – 78 22 – 26 74 –

Production, transportation, and material moving ..... 98 – – 82 18 – 21 77 2

Production ............................................................ 99 – – 85 15 – 20 80 1 ( )

Transportation and material moving .................... 98 – – 79 21 – 22 75 4

Full time ................................................................... 98 2 – 78 22 – 24 75 1

Part time .................................................................. 96 – – 68 32 – 28 72 1 ( )

Union ....................................................................... 96 – – 71 29 – 24 76 1 ( )

Nonunion ................................................................. 99 1 – 78 22 – 24 74 1

Average wage within the following categories2:

Lowest 25 percent ............................................... 98 – – 72 28 – 26 73 1

Second 25 percent ............................................... 99 1 – 80 20 – 24 75 1

Third 25 percent ................................................... 99 – – 77 23 – 25 74 1

Highest 25 percent ............................................... 97 3 – 77 23 – 23 75 2

Highest 10 percent ........................................... 97 3 – 77 23 – 21 76 3

Establishment characteristics

Goods-producing industries ..................................... 99 – – 82 18 – 21 78 1

Construction ......................................................... 98 – – 76 24 – 30 70 –

Manufacturing ...................................................... 100 – – 83 17 – 19 80 1

Service-providing industries ..................................... 98 2 – 76 24 – 25 73 1

Trade, transportation, and utilities ....................... 97 – – 82 18 – 19 79 2

Retail trade ...................................................... 98 – – 82 18 – 14 86 1 ( )

Financial activities ................................................ 98 – – 78 22 – 22 77 2

Finance and insurance .................................... 98 – – 85 15 – 19 78 2

See footnotes at end of table.
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, National Compensation Survey,

2014—continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Plan network Allow non-emergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 97 – – 85 15 – 14 84 2

Insurance carriers and related activities ...... 100 – – 81 19 – 32 67 2

Professional and business services ..................... 97 – – 78 22 – 20 78 2

Professional and technical services ................. 95 – – 74 26 – 19 78 3

Education and health services ............................. 99 – – 69 31 – 36 62 1

Educational services ........................................ 99 – – 67 33 – 40 59 1

Junior colleges, colleges, and universities ... 99 – – 71 29 – 38 60 2

Health care and social assistance ................... 100 – – 70 30 – 36 63 1

1 to 99 workers ........................................................ 99 – – 75 25 – 27 72 1

1 to 49 workers .................................................... 99 – – 73 27 – 28 70 1

50 to 99 workers .................................................. 98 – – 78 22 – 25 75 1 ( )

100 workers or more ................................................ 98 2 – 80 20 – 22 77 2

100 to 499 workers .............................................. 98 2 – 79 21 – 21 77 2

500 workers or more ............................................ 99 – – 80 20 – 23 76 1

Geographic areas

Northeast ................................................................. 96 – – 74 26 – 26 73 1

New England ....................................................... 100 – – 70 30 – 33 66 1

Middle Atlantic ..................................................... 95 – – 75 25 – 24 75 1

South ....................................................................... 99 1 – 82 18 – 22 76 2

South Atlantic ....................................................... 99 – – 79 21 – 25 74 2

West South Central .............................................. 99 – – 86 14 – 17 82 1

Midwest .................................................................... 98 – – 87 13 – 14 84 2

East North Central ............................................... 99 – – 87 13 – 15 83 2

West North Central .............................................. 97 – – 86 – – 12 86 1

West ......................................................................... 99 – – 63 37 – 37 62 1

Mountain .............................................................. 100 – – 65 35 – 41 59 1 ( )

Pacific .................................................................. 99 – – 62 38 – 35 64 1

1 Less than 0.5. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, National

Compensation Survey, 2014

Characteristics

Plan network Allow non-emergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 0.3 0.3 – 1.4 1.4 – 1.3 1.3 0.3

Management, professional, and related .................. 0.5 0.5 – 1.9 1.9 – 2.0 2.0 0.6

Management, business, and financial ................. 0.8 – – 2.4 2.4 – 2.3 2.3 0.8

Professional and related ...................................... 0.5 0.5 – 2.6 2.6 – 2.8 2.8 0.6

Service ..................................................................... 0.4 – – 5.5 5.5 – 5.4 5.4 0.7

Sales and office ....................................................... 0.6 – – 1.8 1.8 – 1.6 1.7 0.3

Sales and related ................................................. 1.5 – – 1.8 1.8 – 2.1 2.1 0.6

Office and administrative support ........................ 0.5 – – 2.3 2.3 – 1.9 1.9 0.3

Natural resources, construction, and maintenance 0.6 – – 2.3 2.3 – 2.6 2.6 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.4 – – 3.1 3.1 – 4.1 4.1 0.1

Installation, maintenance, and repair ................... 0.5 – – 3.0 3.0 – 3.8 3.8 –

Production, transportation, and material moving ..... 0.6 – – 2.2 2.2 – 1.7 2.0 0.7

Production ............................................................ 0.5 – – 2.5 2.5 – 2.7 2.7 0.2

Transportation and material moving .................... 1.0 – – 3.5 3.5 – 2.7 3.1 1.3

Full time ................................................................... 0.4 0.4 – 1.4 1.4 – 1.3 1.3 0.3

Part time .................................................................. 1.5 – – 3.7 3.7 – 4.7 4.7 0.2

Union ....................................................................... 1.3 – – 3.5 3.5 – 3.5 3.5 0.1

Nonunion ................................................................. 0.3 0.3 – 1.4 1.4 – 1.4 1.4 0.4

Average wage within the following categories2:

Lowest 25 percent ............................................... 1.1 – – 5.1 5.1 – 4.8 4.7 0.5

Second 25 percent ............................................... 0.2 0.2 – 2.3 2.3 – 2.3 2.3 0.4

Third 25 percent ................................................... 0.5 – – 1.8 1.8 – 1.8 1.9 0.3

Highest 25 percent ............................................... 0.5 0.5 – 1.7 1.7 – 1.7 1.7 0.7

Highest 10 percent ........................................... 0.7 0.7 – 2.0 2.0 – 2.0 2.1 1.2

Establishment characteristics

Goods-producing industries ..................................... 0.3 – – 1.7 1.7 – 1.7 1.8 0.6

Construction ......................................................... 1.1 – – 2.9 2.9 – 3.4 3.4 –

Manufacturing ...................................................... 0.3 – – 2.2 2.2 – 2.1 2.4 0.8

Service-providing industries ..................................... 0.4 0.4 – 1.7 1.7 – 1.6 1.6 0.4

Trade, transportation, and utilities ....................... 1.0 – – 1.9 1.9 – 1.7 2.0 0.6

Retail trade ...................................................... 1.0 – – 2.7 2.7 – 2.5 2.5 0.1

Financial activities ................................................ 0.5 – – 3.0 3.0 – 2.2 2.1 0.5

Finance and insurance .................................... 0.6 – – 1.6 1.6 – 2.0 2.1 0.6

See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

Plan network Allow non-emergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 0.8 – – 1.8 1.8 – 2.3 2.4 0.7

Insurance carriers and related activities ...... 0.3 – – 3.4 3.4 – 3.6 3.4 0.5

Professional and business services ..................... 1.0 – – 3.4 3.4 – 2.4 2.7 1.5

Professional and technical services ................. 1.5 – – 4.3 4.3 – 3.3 3.7 2.4

Education and health services ............................. 0.3 – – 4.0 4.0 – 4.0 4.1 0.5

Educational services ........................................ 0.9 – – 4.7 4.7 – 6.1 6.1 0.9

Junior colleges, colleges, and universities ... 1.0 – – 3.6 3.6 – 3.2 3.8 1.7

Health care and social assistance ................... 0.3 – – 4.6 4.6 – 4.3 4.5 0.5

1 to 99 workers ........................................................ 0.6 – – 2.3 2.3 – 2.3 2.3 0.4

1 to 49 workers .................................................... 0.4 – – 3.0 3.0 – 3.1 3.0 0.5

50 to 99 workers .................................................. 1.2 – – 3.0 3.0 – 2.7 2.7 0.1

100 workers or more ................................................ 0.5 0.5 – 1.4 1.4 – 1.5 1.5 0.5

100 to 499 workers .............................................. 0.7 0.7 – 2.0 2.0 – 2.1 2.1 0.8

500 workers or more ............................................ 0.5 – – 2.2 2.2 – 2.1 2.2 0.3

Geographic areas

Northeast ................................................................. 1.5 – – 3.6 3.6 – 3.3 3.3 0.4

New England ....................................................... 0.3 – – 8.4 8.4 – 7.0 7.0 0.7

Middle Atlantic ..................................................... 1.9 – – 3.8 3.8 – 3.6 3.6 0.5

South ....................................................................... 0.3 0.3 – 1.9 1.9 – 1.8 2.0 0.5

South Atlantic ....................................................... 0.5 – – 2.7 2.7 – 2.1 2.1 0.7

West South Central .............................................. 0.5 – – 2.8 2.8 – 3.3 3.9 0.8

Midwest .................................................................... 0.6 – – 1.8 1.8 – 1.6 1.6 0.9

East North Central ............................................... 0.6 – – 1.6 1.6 – 1.9 1.9 1.3

West North Central .............................................. 1.3 – – 4.3 – – 2.9 2.9 0.3

West ......................................................................... 0.2 – – 3.5 3.5 – 3.3 3.3 0.6

Mountain .............................................................. 0.1 – – 8.9 8.9 – 7.6 7.5 0.1

Pacific .................................................................. 0.3 – – 2.8 2.8 – 2.9 3.0 0.9

1 Less than 0.05. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 3. Medical care benefits: High deductible and non-high

deductible health plans,1

 private industry workers, National

Compensation Survey, 2014

(All workers participating in medical care plans = 100 percent)

Characteristics High deductible

health plans

Non-high

deductible health

plans

Worker characteristics

All workers ............................................................... 33 67

Management, professional, and related .................. 28 71

Management, business, and financial ................. 29 70

Professional and related ...................................... 28 72

Service ..................................................................... 29 71

Sales and office ....................................................... 43 57

Sales and related ................................................. 45 55

Office and administrative support ........................ 42 57

Natural resources, construction, and maintenance 28 72

Construction, extraction, farming, fishing, and

forestry ............................................................... 17 83

Installation, maintenance, and repair ................... 35 65

Production, transportation, and material moving ..... 32 68

Production ............................................................ 39 61

Transportation and material moving .................... 24 76

Full time ................................................................... 33 67

Part time .................................................................. 29 71

Union ....................................................................... 8 92

Nonunion ................................................................. 37 63

Average wage within the following categories2:

Lowest 25 percent ............................................... 40 60

Second 25 percent ............................................... 39 60

Third 25 percent ................................................... 32 68

Highest 25 percent ............................................... 27 72

Highest 10 percent ........................................... 27 72

Establishment characteristics

Goods-producing industries ..................................... 34 65

Construction ......................................................... 28 72

Manufacturing ...................................................... 39 61

Service-providing industries ..................................... 32 67

Trade, transportation, and utilities ....................... 36 64

Retail trade ...................................................... 46 54

Financial activities ................................................ 39 60

Finance and insurance .................................... 41 58

See footnotes at end of table.
Table 3. Medical care benefits: High deductible and non-high

deductible health plans,1

 private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in medical care plans = 100 percent)

Characteristics High deductible

health plans

Non-high

deductible health

plans

Credit intermediation and related activities .. 43 57

Insurance carriers and related activities ...... 41 59

Professional and business services ..................... 34 66

Professional and technical services ................. 28 72

Education and health services ............................. 27 73

Educational services ........................................ 13 87

Junior colleges, colleges, and universities ... 14 86

Health care and social assistance ................... 29 71

1 to 99 workers ........................................................ 39 61

1 to 49 workers .................................................... 38 62

50 to 99 workers .................................................. 40 60

100 workers or more ................................................ 28 71

100 to 499 workers .............................................. 32 68

500 workers or more ............................................ 23 76

Geographic areas

Northeast ................................................................. 24 76

New England ....................................................... 34 66

Middle Atlantic ..................................................... 21 78

South ....................................................................... 35 65

South Atlantic ....................................................... 31 69

West South Central .............................................. 41 59

Midwest .................................................................... 42 58

East North Central ............................................... 42 58

West North Central .............................................. 42 58

West ......................................................................... 27 72

Mountain .............................................................. 24 76

Pacific .................................................................. 29 71

1 The sum of the columns may not equal 100 since only plans with fixed, variable, or no deductibles

are included. Plans with other deductible formulas are not included. A high deductible health plan (HDHP)

is a health plan which typically has a higher deductible and lower premium than a traditional health plan. An

individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the plan

includes catastrophic coverage to protect against large medical expenses, but the insured is responsible

for routine out-of-pocket expenses. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 3. Standard errors for medical care benefits: High

deductible and non-high deductible health plans,1

 private industry

workers, National Compensation Survey, 2014

Characteristics High deductible

health plans

Non-high

deductible health

plans

Worker characteristics

All workers ............................................................... 1.0 1.0

Management, professional, and related .................. 1.8 1.8

Management, business, and financial ................. 2.3 2.3

Professional and related ...................................... 2.5 2.5

Service ..................................................................... 4.4 4.4

Sales and office ....................................................... 1.5 1.5

Sales and related ................................................. 3.3 3.3

Office and administrative support ........................ 2.1 2.1

Natural resources, construction, and maintenance 2.8 2.8

Construction, extraction, farming, fishing, and

forestry ............................................................... 3.5 3.5

Installation, maintenance, and repair ................... 3.7 3.7

Production, transportation, and material moving ..... 2.3 2.3

Production ............................................................ 3.5 3.5

Transportation and material moving .................... 2.7 2.7

Full time ................................................................... 1.1 1.1

Part time .................................................................. 2.9 3.0

Union ....................................................................... 1.4 1.4

Nonunion ................................................................. 1.1 1.1

Average wage within the following categories2:

Lowest 25 percent ............................................... 4.4 4.4

Second 25 percent ............................................... 2.0 2.0

Third 25 percent ................................................... 1.6 1.6

Highest 25 percent ............................................... 1.8 1.8

Highest 10 percent ........................................... 2.7 2.8

Establishment characteristics

Goods-producing industries ..................................... 2.0 1.9

Construction ......................................................... 3.9 3.9

Manufacturing ...................................................... 2.7 2.6

Service-providing industries ..................................... 1.3 1.3

Trade, transportation, and utilities ....................... 1.8 1.8

Retail trade ...................................................... 2.8 2.8

Financial activities ................................................ 2.6 2.6

Finance and insurance .................................... 2.4 2.4

See footnotes at end of table.
Table 3. Standard errors for medical care benefits: High

deductible and non-high deductible health plans,1

 private industry

workers, National Compensation Survey, 2014—continued

Characteristics High deductible

health plans

Non-high

deductible health

plans

Credit intermediation and related activities .. 3.2 3.2

Insurance carriers and related activities ...... 4.1 4.1

Professional and business services ..................... 2.9 2.9

Professional and technical services ................. 4.2 4.2

Education and health services ............................. 3.1 3.1

Educational services ........................................ 2.7 2.7

Junior colleges, colleges, and universities ... 2.4 2.4

Health care and social assistance ................... 3.6 3.6

1 to 99 workers ........................................................ 1.8 1.8

1 to 49 workers .................................................... 2.2 2.2

50 to 99 workers .................................................. 2.9 2.9

100 workers or more ................................................ 1.4 1.4

100 to 499 workers .............................................. 2.1 2.1

500 workers or more ............................................ 1.9 1.9

Geographic areas

Northeast ................................................................. 3.1 3.0

New England ....................................................... 9.6 9.6

Middle Atlantic ..................................................... 2.7 2.7

South ....................................................................... 1.5 1.5

South Atlantic ....................................................... 2.3 2.3

West South Central .............................................. 2.4 2.4

Midwest .................................................................... 1.9 1.9

East North Central ............................................... 2.1 2.1

West North Central .............................................. 3.8 3.8

West ......................................................................... 2.3 2.3

Mountain .............................................................. 4.8 4.8

Pacific .................................................................. 2.3 2.4

1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and

lower premium than a traditional health plan. An individual plan must have a minimum deductible of $1,250

to be classified as a HDHP. Normally the plan includes catastrophic coverage to protect against large

medical expenses, but the insured is responsible for routine out-of-pocket expenses. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 4. Non-high deductible health plans: Summary of selected

tax-favored accounts,1

 private industry workers, National

Compensation Survey, 2014

(All workers participating in non-high deductible health plans = 100 percent)

Characteristics

Health

reimbursement

arrangement2

Flexible spending

account3

Worker characteristics

All workers ............................................................... 7 53

Management, professional, and related .................. 8 61

Management, business, and financial ................. 10 60

Professional and related ...................................... 7 62

Service ..................................................................... – 39

Sales and office ....................................................... 8 53

Sales and related ................................................. 12 50

Office and administrative support ........................ 7 54

Natural resources, construction, and maintenance 3 41

Construction, extraction, farming, fishing, and

forestry ............................................................... – 29

Installation, maintenance, and repair ................... 3 51

Production, transportation, and material moving ..... 9 50

Production ............................................................ – 55

Transportation and material moving .................... 9 46

Full time ................................................................... 7 54

Part time .................................................................. 12 –

Union ....................................................................... 8 48

Nonunion ................................................................. 7 54

Average wage within the following categories4:

Lowest 25 percent ............................................... 9 –

Second 25 percent ............................................... 5 44

Third 25 percent ................................................... 7 51

Highest 25 percent ............................................... 8 63

Highest 10 percent ........................................... 10 66

Establishment characteristics

Goods-producing industries ..................................... – 48

Construction ......................................................... – 27

Manufacturing ...................................................... – 55

Service-providing industries ..................................... 8 55

Trade, transportation, and utilities ....................... 13 51

Retail trade ...................................................... 21 –

Transportation and warehousing ..................... – 72

Utilities ............................................................. – 65

Information ........................................................... – 65

Financial activities ................................................ 4 62

Finance and insurance .................................... 3 74

See footnotes at end of table.
Table 4. Non-high deductible health plans: Summary of selected

tax-favored accounts,1

 private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in non-high deductible health plans = 100 percent)

Characteristics

Health

reimbursement

arrangement2

Flexible spending

account3

Credit intermediation and related activities .. – 67

Insurance carriers and related activities ...... – 73

Professional and business services ..................... – 58

Professional and technical services ................. – 58

Education and health services ............................. – 51

Educational services ........................................ – 63

Junior colleges, colleges, and universities ... – 82

Health care and social assistance ................... – 48

Leisure and hospitality ......................................... – 55

Other services ...................................................... – 50

1 to 99 workers ........................................................ 4 37

1 to 49 workers .................................................... 4 36

100 workers or more ................................................ 10 64

100 to 499 workers .............................................. 11 56

500 workers or more ............................................ 8 74

Geographic areas

Northeast ................................................................. – 52

New England ....................................................... – 61

Middle Atlantic ..................................................... – 49

South ....................................................................... 6 59

South Atlantic ....................................................... 7 61

East South Central ............................................... – 63

West South Central .............................................. – 52

Midwest .................................................................... 8 56

East North Central ............................................... – 54

West North Central .............................................. 16 61

West ......................................................................... 6 44

Mountain .............................................................. – 38

Pacific .................................................................. 7 47

1 The sum of the columns may not equal 100 since workers may participate in more than one

tax-favored account. 2 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse

employees for any qualified medical expenses. HRAs may be offered with any medical plan. 3 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for

qualified medical expenses. Money is deducted from an employee’s earnings and is not subject to payroll

taxes. Any funds not used by the end of the plan year are forfeited by the employee. 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 4. Standard errors for non-high deductible health plans:

Summary of selected tax-favored accounts, private industry

workers, National Compensation Survey, 2014

Characteristics

Health

reimbursement

arrangement1

Flexible spending

account2

Worker characteristics

All workers ............................................................... 1.0 1.7

Management, professional, and related .................. 1.8 2.7

Management, business, and financial ................. 2.6 3.9

Professional and related ...................................... 1.7 3.3

Service ..................................................................... – 6.1

Sales and office ....................................................... 1.4 2.7

Sales and related ................................................. 2.0 4.2

Office and administrative support ........................ 1.5 3.3

Natural resources, construction, and maintenance 0.7 3.6

Construction, extraction, farming, fishing, and

forestry ............................................................... – 5.7

Installation, maintenance, and repair ................... 0.8 4.5

Production, transportation, and material moving ..... 2.3 3.7

Production ............................................................ – 5.5

Transportation and material moving .................... 2.0 4.5

Full time ................................................................... 1.1 1.7

Part time .................................................................. 2.7 –

Union ....................................................................... 1.7 3.9

Nonunion ................................................................. 1.2 1.7

Average wage within the following categories3:

Lowest 25 percent ............................................... 2.3 –

Second 25 percent ............................................... 1.2 3.7

Third 25 percent ................................................... 2.0 2.6

Highest 25 percent ............................................... 1.4 2.2

Highest 10 percent ........................................... 2.2 3.1

Establishment characteristics

Goods-producing industries ..................................... – 2.9

Construction ......................................................... – 6.2

Manufacturing ...................................................... – 3.0

Service-providing industries ..................................... 1.2 2.1

Trade, transportation, and utilities ....................... 2.2 2.6

Retail trade ...................................................... 3.4 –

Transportation and warehousing ..................... – 5.2

Utilities ............................................................. – 11.2

Information ........................................................... – 6.9

Financial activities ................................................ 0.8 4.8

Finance and insurance .................................... 0.8 3.9

See footnotes at end of table.
Table 4. Standard errors for non-high deductible health plans:

Summary of selected tax-favored accounts, private industry

workers, National Compensation Survey, 2014—continued

Characteristics

Health

reimbursement

arrangement1

Flexible spending

account2

Credit intermediation and related activities .. – 7.0

Insurance carriers and related activities ...... – 2.8

Professional and business services ..................... – 4.6

Professional and technical services ................. – 6.2

Education and health services ............................. – 5.1

Educational services ........................................ – 5.8

Junior colleges, colleges, and universities ... – 4.0

Health care and social assistance ................... – 6.0

Leisure and hospitality ......................................... – 11.1

Other services ...................................................... – 9.8

1 to 99 workers ........................................................ 0.8 2.6

1 to 49 workers .................................................... 0.8 2.9

100 workers or more ................................................ 1.6 2.0

100 to 499 workers .............................................. 2.3 3.1

500 workers or more ............................................ 2.0 2.4

Geographic areas

Northeast ................................................................. – 3.4

New England ....................................................... – 7.3

Middle Atlantic ..................................................... – 3.6

South ....................................................................... 1.5 2.5

South Atlantic ....................................................... 2.0 2.9

East South Central ............................................... – 7.1

West South Central .............................................. – 5.8

Midwest .................................................................... 1.8 3.6

East North Central ............................................... – 4.0

West North Central .............................................. 4.0 7.7

West ......................................................................... 1.5 3.7

Mountain .............................................................. – 5.2

Pacific .................................................................. 1.3 4.7

1 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse

employees for any qualified medical expenses. HRAs may be offered with any medical plan. 2 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for

qualified medical expenses. Money is deducted from an employee’s earnings and is not subject to payroll

taxes. Any funds not used by the end of the plan year are forfeited by the employee. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2014

(All workers participating in non-high deductible health plans = 100 percent)

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 80 – $300 $500 $800 $1,000 20

Management, professional, and related .................. 79 $200 300 500 800 1,000 21

Management, business, and financial ................. 78 225 300 500 1,000 1,000 22

Professional and related ...................................... 80 200 250 500 750 1,000 20

Service ..................................................................... 62 – 300 500 750 1,000 38

Sales and office ....................................................... 83 250 350 500 1,000 1,000 17

Sales and related ................................................. 83 250 400 500 1,000 1,000 17

Office and administrative support ........................ 83 250 350 500 1,000 1,000 17

Natural resources, construction, and maintenance 81 200 250 400 600 1,000 19

Construction, extraction, farming, fishing, and

forestry ............................................................... 88 – 250 400 500 1,000 12

Installation, maintenance, and repair ................... 74 – 250 500 750 1,000 26

Production, transportation, and material moving ..... 87 250 300 500 750 1,000 13

Production ............................................................ 88 – 300 500 – 1,000 12

Full time ................................................................... 80 – 300 500 800 1,000 20

Part time .................................................................. 74 250 250 – 750 1,000 26

Union ....................................................................... 78 – 250 400 500 1,000 22

Nonunion ................................................................. 80 250 300 500 950 1,000 20

Average wage within the following categories1:

Lowest 25 percent ............................................... 74 250 300 500 800 1,000 26

Second 25 percent ............................................... 81 250 350 500 1,000 1,000 19

Third 25 percent ................................................... 81 250 300 500 750 1,000 19

Highest 25 percent ............................................... 79 200 300 500 750 1,000 21

Highest 10 percent ........................................... 81 225 275 500 750 1,000 19

Establishment characteristics

Goods-producing industries ..................................... 85 – 300 500 750 1,000 15

Construction ......................................................... 80 200 300 500 750 1,000 20

Manufacturing ...................................................... 86 225 300 500 750 1,000 14

Service-providing industries ..................................... 78 – 300 500 950 1,000 22

Trade, transportation, and utilities ....................... 85 250 300 500 750 1,000 15

Wholesale trade ............................................... 83 250 – 500 750 1,000 17

Retail trade ...................................................... 81 250 – 500 950 1,000 19

Information ........................................................... 80 200 300 500 750 1,000 20

Financial activities ................................................ 80 250 350 500 1,000 1,000 20

Finance and insurance .................................... 89 300 350 500 1,000 1,000 11

See footnotes at end of table.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2014—continued

(All workers participating in non-high deductible health plans = 100 percent)

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 92 $300 $350 $500 $1,000 $1,000 8

Insurance carriers and related activities ...... 83 250 – 500 600 1,000 17

Real estate and rental and leasing .................. 47 250 250 – – 1,200 53

Professional and business services ..................... 82 250 300 500 950 1,000 18

Professional and technical services ................. 81 250 300 500 750 1,000 19

Education and health services ............................. 71 250 – 500 1,000 1,000 29

Educational services ........................................ 66 250 250 400 500 1,000 34

Junior colleges, colleges, and universities ... 70 200 250 500 500 1,000 30

Health care and social assistance ................... 73 – – 600 1,000 1,000 27

1 to 99 workers ........................................................ 76 250 350 500 1,000 1,000 24

1 to 49 workers .................................................... 74 250 350 500 1,000 1,000 26

50 to 99 workers .................................................. 82 250 300 500 1,000 1,000 18

100 workers or more ................................................ 82 200 300 500 750 1,000 18

100 to 499 workers .............................................. 83 200 300 500 800 1,000 17

500 workers or more ............................................ 82 200 250 500 750 1,000 18

Geographic areas

Northeast ................................................................. 79 200 250 500 750 1,000 21

New England ....................................................... 82 300 – 500 600 1,000 18

Middle Atlantic ..................................................... 79 – 250 500 – 1,000 21

South ....................................................................... 87 – 300 500 900 1,000 13

South Atlantic ....................................................... 84 200 300 500 1,000 1,000 16

Midwest .................................................................... 86 250 350 500 750 1,000 14

East North Central ............................................... 85 250 350 500 750 1,000 15

West ......................................................................... 66 200 250 500 750 1,000 34

Pacific .................................................................. 64 200 250 500 750 1,000 36

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2014

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.5 – $0 $0 $106 $0 1.5

Management, professional, and related .................. 1.8 $33 9 0 145 0 1.8

Management, business, and financial ................. 2.7 25 22 0 0 0 2.7

Professional and related ...................................... 2.5 21 65 0 38 0 2.5

Service ..................................................................... 7.1 – 22 0 203 0 7.1

Sales and office ....................................................... 1.8 0 44 0 13 0 1.8

Sales and related ................................................. 3.0 0 52 0 75 0 3.0

Office and administrative support ........................ 2.0 0 68 0 9 0 2.0

Natural resources, construction, and maintenance 2.8 25 0 98 144 0 2.8

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.4 – 25 76 47 32 2.4

Installation, maintenance, and repair ................... 4.5 – 24 66 84 0 4.5

Production, transportation, and material moving ..... 2.5 12 0 0 9 0 2.5

Production ............................................................ 2.6 – 16 0 – 0 2.6

Full time ................................................................... 1.6 – 0 0 111 0 1.6

Part time .................................................................. 4.1 35 60 – 146 0 4.1

Union ....................................................................... 3.6 – 0 93 0 67 3.6

Nonunion ................................................................. 1.6 12 20 0 136 0 1.6

Average wage within the following categories1:

Lowest 25 percent ............................................... 7.5 39 41 0 196 0 7.5

Second 25 percent ............................................... 3.2 0 37 47 39 0 3.2

Third 25 percent ................................................... 2.1 30 9 0 36 0 2.1

Highest 25 percent ............................................... 1.6 13 58 0 34 0 1.6

Highest 10 percent ........................................... 1.9 23 49 0 65 0 1.9

Establishment characteristics

Goods-producing industries ..................................... 1.9 – 0 0 95 0 1.9

Construction ......................................................... 2.9 0 9 55 202 0 2.9

Manufacturing ...................................................... 2.4 15 13 0 61 0 2.4

Service-providing industries ..................................... 1.9 – 0 0 186 0 1.9

Trade, transportation, and utilities ....................... 1.9 0 0 0 45 0 1.9

Wholesale trade ............................................... 4.5 22 – 0 74 0 4.5

Retail trade ...................................................... 3.0 0 – 0 61 0 3.0

Information ........................................................... 3.8 0 75 114 220 36 3.8

Financial activities ................................................ 5.1 0 0 0 192 0 5.1

Finance and insurance .................................... 2.0 56 13 0 208 0 2.0

See footnotes at end of table.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2014—continued

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 1.9 $54 $0 $0 $187 $0 1.9

Insurance carriers and related activities ...... 3.3 62 – 67 178 0 3.3

Real estate and rental and leasing .................. 11.8 0 45 – – 283 11.8

Professional and business services ..................... 3.0 0 71 0 186 0 3.0

Professional and technical services ................. 3.4 65 67 9 188 0 3.4

Education and health services ............................. 3.8 25 – 76 36 0 3.8

Educational services ........................................ 5.3 27 29 118 114 0 5.3

Junior colleges, colleges, and universities ... 3.9 0 16 105 0 211 3.9

Health care and social assistance ................... 4.4 – – 139 0 0 4.4

1 to 99 workers ........................................................ 2.9 0 0 0 63 0 2.9

1 to 49 workers .................................................... 3.8 18 13 0 204 0 3.8

50 to 99 workers .................................................. 2.7 9 41 32 48 0 2.7

100 workers or more ................................................ 1.4 0 59 0 16 0 1.4

100 to 499 workers .............................................. 2.4 29 25 0 187 0 2.4

500 workers or more ............................................ 1.8 0 33 0 153 0 1.8

Geographic areas

Northeast ................................................................. 1.9 21 49 0 165 0 1.9

New England ....................................................... 3.7 57 – 0 155 165 3.7

Middle Atlantic ..................................................... 2.2 – 0 0 – 0 2.2

South ....................................................................... 2.1 – 0 0 195 0 2.1

South Atlantic ....................................................... 2.8 31 0 0 143 0 2.8

Midwest .................................................................... 2.1 0 57 0 187 0 2.1

East North Central ............................................... 2.5 0 69 0 0 0 2.5

West ......................................................................... 4.5 40 56 0 216 0 4.5

Pacific .................................................................. 4.6 24 36 78 88 0 4.6

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 6. High deductible health plans:1

 Summary of selected tax-favored

accounts,2

 private industry workers, National Compensation Survey, 2014

(All workers participating in high deductible health plans = 100 percent)

Characteristics Health savings

account3

Health

reimbursement

arrangement4

Flexible spending

account5

Worker characteristics

All workers ............................................................... 42 22 47

Management, professional, and related .................. 46 21 56

Management, business, and financial ................. 44 14 47

Professional and related ...................................... 48 26 62

Service ..................................................................... 36 21 39

Sales and office ....................................................... 41 26 47

Sales and related ................................................. 34 39 35

Office and administrative support ........................ 44 20 52

Natural resources, construction, and maintenance 32 12 29

Installation, maintenance, and repair ................... 35 16 34

Production, transportation, and material moving ..... 45 22 43

Production ............................................................ 49 18 53

Transportation and material moving .................... 37 29 26

Full time ................................................................... 43 21 48

Part time .................................................................. 29 48 29

Union ....................................................................... 56 – –

Nonunion ................................................................. 42 22 47

Average wage within the following categories6:

Lowest 25 percent ............................................... 28 30 –

Second 25 percent ............................................... 39 25 46

Third 25 percent ................................................... 45 15 48

Highest 25 percent ............................................... 48 23 54

Highest 10 percent ........................................... 51 19 51

Establishment characteristics

Goods-producing industries ..................................... 42 16 46

Construction ......................................................... 20 – –

Manufacturing ...................................................... 47 19 49

Service-providing industries ..................................... 42 24 47

Trade, transportation, and utilities ....................... 38 36 26

Wholesale trade ............................................... 47 19 41

Retail trade ...................................................... 30 50 21

Financial activities ................................................ – 18 75

Finance and insurance .................................... – 19 81

See footnotes at end of table.
Table 6. High deductible health plans:1

 Summary of selected tax-favored

accounts,2

 private industry workers, National Compensation Survey,

2014—continued

(All workers participating in high deductible health plans = 100 percent)

Characteristics Health savings

account3

Health

reimbursement

arrangement4

Flexible spending

account5

Credit intermediation and related activities .. – 22 88

Insurance carriers and related activities ...... 72 14 78

Professional and business services ..................... 56 21 50

Professional and technical services ................. 59 – 44

Education and health services ............................. 25 – 66

Educational services ........................................ 43 – 53

Junior colleges, colleges, and universities ... 51 21 67

Health care and social assistance ................... 24 – 67

1 to 99 workers ........................................................ 36 18 36

1 to 49 workers .................................................... 35 18 31

50 to 99 workers .................................................. 39 18 49

100 workers or more ................................................ 48 27 58

100 to 499 workers .............................................. 47 28 51

500 workers or more ............................................ 52 24 72

Geographic areas

Northeast ................................................................. 43 31 40

Middle Atlantic ..................................................... 47 24 40

South ....................................................................... 38 22 48

South Atlantic ....................................................... 42 21 44

East South Central ............................................... 48 20 46

West South Central .............................................. 29 23 53

Midwest .................................................................... 43 20 53

East North Central ............................................... 39 – –

West North Central .............................................. 53 17 57

West ......................................................................... 48 20 39

Mountain .............................................................. 41 23 46

Pacific .................................................................. 51 19 36

1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a

traditional health plan. An individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the

plan includes catastrophic coverage to protect against large medical expenses, but the insured is responsible for routine

out-of-pocket expenses. 2 The sum of the columns may not equal 100 since workers may participate in more than one tax-favored account. 3 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future

medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.

Accounts can accumulate tax-deferred interest. 4 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified

medical expenses. HRAs may be offered with any medical plan. 5 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical

expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of

the plan year are forfeited by the employee. 6 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 6. Standard errors for high deductible health plans:1

 Summary of selected

tax-favored accounts, private industry workers, National Compensation Survey,

2014

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account4

Worker characteristics

All workers ............................................................... 1.9 2.1 2.3

Management, professional, and related .................. 3.9 4.7 4.2

Management, business, and financial ................. 4.6 2.5 4.5

Professional and related ...................................... 5.4 7.0 6.1

Service ..................................................................... 5.9 4.1 7.3

Sales and office ....................................................... 2.7 2.3 3.1

Sales and related ................................................. 2.4 3.5 3.9

Office and administrative support ........................ 3.6 2.5 3.8

Natural resources, construction, and maintenance 4.0 3.3 4.8

Installation, maintenance, and repair ................... 5.4 4.3 5.4

Production, transportation, and material moving ..... 5.6 3.6 3.6

Production ............................................................ 7.3 4.4 3.6

Transportation and material moving .................... 5.7 6.5 4.8

Full time ................................................................... 1.9 2.0 2.3

Part time .................................................................. 4.6 6.0 6.8

Union ....................................................................... 9.1 – –

Nonunion ................................................................. 1.8 2.2 2.3

Average wage within the following categories5:

Lowest 25 percent ............................................... 4.7 4.6 –

Second 25 percent ............................................... 3.0 3.1 3.2

Third 25 percent ................................................... 3.6 1.6 2.9

Highest 25 percent ............................................... 3.8 4.5 3.8

Highest 10 percent ........................................... 5.3 3.9 5.5

Establishment characteristics

Goods-producing industries ..................................... 4.7 3.3 3.8

Construction ......................................................... 5.7 – –

Manufacturing ...................................................... 5.3 3.9 4.1

Service-providing industries ..................................... 1.9 2.6 2.9

Trade, transportation, and utilities ....................... 2.6 3.6 2.5

Wholesale trade ............................................... 3.9 5.6 5.1

Retail trade ...................................................... 2.9 4.2 3.0

Financial activities ................................................ – 2.0 3.2

Finance and insurance .................................... – 2.3 2.5

See footnotes at end of table.
Table 6. Standard errors for high deductible health plans:1

 Summary of selected

tax-favored accounts, private industry workers, National Compensation Survey,

2014—continued

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account4

Credit intermediation and related activities .. – 3.6 2.5

Insurance carriers and related activities ...... 3.2 3.0 3.8

Professional and business services ..................... 5.2 5.5 6.7

Professional and technical services ................. 8.8 – 9.8

Education and health services ............................. 3.8 – 9.4

Educational services ........................................ 10.3 – 10.0

Junior colleges, colleges, and universities ... 7.5 5.2 8.3

Health care and social assistance ................... 4.0 – 10.1

1 to 99 workers ........................................................ 2.5 3.1 3.1

1 to 49 workers .................................................... 3.2 4.4 4.0

50 to 99 workers .................................................. 4.2 3.7 5.8

100 workers or more ................................................ 3.0 2.6 3.2

100 to 499 workers .............................................. 3.4 3.0 4.5

500 workers or more ............................................ 5.2 4.2 3.3

Geographic areas

Northeast ................................................................. 5.7 7.2 6.4

Middle Atlantic ..................................................... 5.6 4.5 7.3

South ....................................................................... 2.1 2.5 3.2

South Atlantic ....................................................... 3.8 1.9 5.4

East South Central ............................................... 2.7 4.8 3.5

West South Central .............................................. 2.4 5.8 4.9

Midwest .................................................................... 3.3 4.7 4.7

East North Central ............................................... 3.6 – –

West North Central .............................................. 6.8 2.7 10.0

West ......................................................................... 5.7 3.0 5.0

Mountain .............................................................. 6.5 3.6 10.9

Pacific .................................................................. 7.7 3.9 5.0

1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a

traditional health plan. An individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the

plan includes catastrophic coverage to protect against large medical expenses, but the insured is responsible for routine

out-of-pocket expenses. 2 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future

medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.

Accounts can accumulate tax-deferred interest. 3 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified

medical expenses. HRAs may be offered with any medical plan. 4 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical

expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of

the plan year are forfeited by the employee. 5 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 7. High deductible health plans:1

 Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2014

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... $1,500 $1,500 $2,000 $3,000 $4,000

Management, professional, and related .................. 1,300 1,500 2,000 3,000 3,000

Management, business, and financial ................. 1,300 1,500 2,000 3,000 4,000

Professional and related ...................................... 1,300 1,500 2,000 3,000 3,000

Service ..................................................................... 1,500 1,500 2,500 3,000 4,000

Sales and office ....................................................... 1,500 1,750 – 3,000 4,500

Sales and related ................................................. 1,500 1,500 2,500 3,000 4,000

Office and administrative support ........................ 1,500 1,800 – 3,000 5,000

Natural resources, construction, and maintenance 1,500 2,000 2,250 3,000 4,000

Construction, extraction, farming, fishing, and

forestry ............................................................... – 2,000 2,500 3,000 3,500

Installation, maintenance, and repair ................... 1,500 1,750 2,000 3,000 4,375

Production, transportation, and material moving ..... 1,400 1,750 – 3,000 4,000

Production ............................................................ 1,250 1,500 2,000 2,750 4,000

Transportation and material moving .................... 1,500 1,750 2,500 3,000 5,000

Full time ................................................................... 1,500 1,500 2,000 3,000 4,000

Part time .................................................................. 1,500 1,500 2,500 2,750 3,000

Union ....................................................................... 1,250 1,750 2,000 2,250 2,750

Nonunion ................................................................. 1,500 1,500 2,250 3,000 4,000

Average wage within the following categories2:

Lowest 25 percent ............................................... 1,500 2,000 2,600 3,000 5,000

Second 25 percent ............................................... 1,500 1,700 2,250 3,000 4,000

Third 25 percent ................................................... 1,500 1,500 2,000 2,750 3,500

Highest 25 percent ............................................... 1,300 1,500 2,000 3,000 3,250

Highest 10 percent ........................................... 1,300 1,500 2,000 2,800 4,000

Establishment characteristics

Goods-producing industries ..................................... 1,300 1,500 2,000 3,000 4,000

Construction ......................................................... 1,500 1,500 2,000 3,000 3,500

Manufacturing ...................................................... 1,300 1,500 2,000 3,000 4,000

Service-providing industries ..................................... 1,500 1,500 2,250 3,000 4,000

Trade, transportation, and utilities ....................... 1,500 1,750 2,500 2,750 3,500

Retail trade ...................................................... 1,500 1,750 2,500 2,750 3,500

Financial activities ................................................ 1,500 1,500 2,000 2,500 3,000

Finance and insurance .................................... 1,500 1,500 2,000 2,500 3,000

See footnotes at end of table.
Table 7. High deductible health plans:1

 Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2014—continued

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. $1,500 $1,500 $2,000 $2,500 $3,000

Insurance carriers and related activities ...... 1,300 1,500 2,000 2,500 3,000

Professional and business services ..................... 1,500 1,800 2,500 2,650 3,000

Professional and technical services ................. 1,300 1,650 2,000 2,500 3,000

Education and health services ............................. 1,250 1,500 2,500 3,000 5,000

Educational services ........................................ 1,250 1,500 – 2,500 –

Junior colleges, colleges, and universities ... 1,250 1,500 1,500 2,500 3,500

Health care and social assistance ................... 1,250 1,500 2,500 3,000 5,000

1 to 99 workers ........................................................ 1,500 2,000 2,500 3,000 5,000

1 to 49 workers .................................................... 1,500 2,000 2,500 3,000 5,000

50 to 99 workers .................................................. 1,500 2,000 – 3,000 5,000

100 workers or more ................................................ 1,300 1,500 2,000 2,750 3,500

100 to 499 workers .............................................. 1,300 1,500 2,000 2,750 4,000

500 workers or more ............................................ 1,300 1,500 1,750 2,500 3,000

Geographic areas

Northeast ................................................................. 1,300 1,500 2,050 3,000 3,000

New England ....................................................... 1,300 1,500 – 3,000 3,000

Middle Atlantic ..................................................... 1,400 1,750 – 2,750 –

South ....................................................................... 1,500 1,500 2,000 2,750 3,500

South Atlantic ....................................................... 1,500 1,500 – 3,000 3,500

West South Central .............................................. 1,500 1,700 2,000 2,750 3,200

Midwest .................................................................... 1,500 1,750 2,500 3,000 5,000

East North Central ............................................... 1,500 1,750 2,500 3,000 5,000

West North Central .............................................. 1,500 1,750 2,350 3,000 –

West ......................................................................... 1,500 1,500 2,000 2,700 3,000

Mountain .............................................................. 1,400 1,500 2,000 2,500 3,000

Pacific .................................................................. 1,500 1,500 2,250 3,000 4,000

1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a traditional health

plan. An individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the plan includes catastrophic

coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 7. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, National Compensation Survey, 2014

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... $65 $39 $283 $0 $182

Management, professional, and related .................. 34 0 0 272 151

Management, business, and financial ................. 134 0 0 301 1,158

Professional and related ...................................... 41 0 481 384 0

Service ..................................................................... 92 147 301 0 619

Sales and office ....................................................... 0 24 – 46 914

Sales and related ................................................. 0 201 278 151 292

Office and administrative support ........................ 0 116 – 46 991

Natural resources, construction, and maintenance 0 265 384 36 735

Construction, extraction, farming, fishing, and

forestry ............................................................... – 91 645 270 332

Installation, maintenance, and repair ................... 0 177 121 36 1,066

Production, transportation, and material moving ..... 136 329 – 229 91

Production ............................................................ 106 127 219 301 447

Transportation and material moving .................... 0 140 91 83 1,353

Full time ................................................................... 109 34 165 0 158

Part time .................................................................. 0 349 73 228 46

Union ....................................................................... 88 322 0 241 264

Nonunion ................................................................. 33 41 391 0 182

Average wage within the following categories2:

Lowest 25 percent ............................................... 0 161 219 0 616

Second 25 percent ............................................... 0 160 395 0 91

Third 25 percent ................................................... 174 113 0 301 576

Highest 25 percent ............................................... 72 0 90 147 590

Highest 10 percent ........................................... 110 0 65 277 976

Establishment characteristics

Goods-producing industries ..................................... 98 103 78 26 0

Construction ......................................................... 0 430 182 199 158

Manufacturing ...................................................... 56 111 222 165 0

Service-providing industries ..................................... 0 93 317 0 601

Trade, transportation, and utilities ....................... 0 0 232 214 652

Retail trade ...................................................... 0 121 0 46 912

Financial activities ................................................ 158 0 0 56 0

Finance and insurance .................................... 62 0 0 0 0

See footnotes at end of table.
Table 7. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, National Compensation Survey, 2014—continued

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. $0 $0 $0 $36 $0

Insurance carriers and related activities ...... 45 0 136 18 52

Professional and business services ..................... 137 214 341 312 0

Professional and technical services ................. 52 254 524 0 90

Education and health services ............................. 186 0 130 296 0

Educational services ........................................ 190 0 – 306 –

Junior colleges, colleges, and universities ... 0 157 143 0 836

Health care and social assistance ................... 204 0 91 344 0

1 to 99 workers ........................................................ 0 0 0 0 782

1 to 49 workers .................................................... 0 0 0 0 799

50 to 99 workers .................................................. 69 315 – 137 1,478

100 workers or more ................................................ 26 0 18 32 580

100 to 499 workers .............................................. 47 0 0 0 638

500 workers or more ............................................ 16 0 79 193 0

Geographic areas

Northeast ................................................................. 0 41 576 329 896

New England ....................................................... 54 197 – 65 0

Middle Atlantic ..................................................... 161 359 – 182 –

South ....................................................................... 39 86 0 254 348

South Atlantic ....................................................... 293 78 – 341 910

West South Central .............................................. 0 212 0 129 674

Midwest .................................................................... 156 80 132 0 0

East North Central ............................................... 221 177 94 79 0

West North Central .............................................. 91 203 386 112 –

West ......................................................................... 18 0 123 144 671

Mountain .............................................................. 228 0 0 0 90

Pacific .................................................................. 0 55 373 316 1,079

1 A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a traditional health

plan. An individual plan must have a minimum deductible of $1,250 to be classified as a HDHP. Normally the plan includes catastrophic

coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 8. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2014

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 96 4 – 81 19 – 92 7 1

Management, professional, and related .................. 95 5 – 78 22 – 92 7 1

Management, business, and financial ................. 96 – – 82 18 – 92 7 1 ( )

Professional and related ...................................... 95 5 – 76 24 – 92 7 1

Service ..................................................................... 95 – – 78 22 – 88 12 –

Sales and office ....................................................... 97 3 – 83 17 – 92 7 1

Sales and related ................................................. 96 – – 90 10 – 93 – –

Office and administrative support ........................ 97 3 – 80 20 – 92 7 1

Natural resources, construction, and maintenance 97 3 – 83 17 – 91 8 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 99 – – 85 15 – 83 15 2

Installation, maintenance, and repair ................... 95 5 – 82 18 – 96 – –

Production, transportation, and material moving ..... 96 4 – 83 17 – 93 7 –

Production ............................................................ 97 3 – 83 17 – 94 – –

Transportation and material moving .................... 95 – – 83 17 – 93 7 –

Full time ................................................................... 96 4 – 81 19 – 92 8 1

Part time .................................................................. 95 – – 78 22 – 95 – –

Union ....................................................................... 94 6 – 78 22 – 84 14 2

Nonunion ................................................................. 96 4 – 82 18 – 93 7 1

Average wage within the following categories2:

Lowest 25 percent ............................................... 98 – – 90 10 – 96 – –

Second 25 percent ............................................... 98 2 – 81 19 – 93 7 1

Third 25 percent ................................................... 96 4 – 80 20 – 91 9 1

Highest 25 percent ............................................... 94 6 – 79 21 – 91 8 1

Highest 10 percent ........................................... 96 4 – 82 18 – 92 7 1

Establishment characteristics

Goods-producing industries ..................................... 97 3 – 84 16 – 93 6 1

Construction ......................................................... 100 – – 91 9 – 92 – –

Manufacturing ...................................................... 96 4 – 81 19 – 93 – –

Service-providing industries ..................................... 95 5 – 80 20 – 91 8 1

Trade, transportation, and utilities ....................... 95 5 – 84 16 – 92 8 –

Retail trade ...................................................... 97 – – 86 14 – 93 – –

Financial activities ................................................ 100 – – 86 14 – 94 3 3

Finance and insurance .................................... 99 – – 87 13 – 93 4 3

See footnotes at end of table.
Table 8. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,

2014—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 100 – – 86 14 – 92 – –

Insurance carriers and related activities ...... 99 – – 91 9 – 96 – –

Professional and business services ..................... 98 – – 82 18 – 91 9 –

Professional and technical services ................. 98 – – 81 19 – 94 – –

Education and health services ............................. 91 9 – 67 33 – 86 13 1

Educational services ........................................ 78 – – 58 42 – 85 15 –

Junior colleges, colleges, and universities ... 86 14 – 70 30 – 83 17 –

Health care and social assistance ................... 94 – – 69 31 – 86 12 1

1 to 99 workers ........................................................ 97 3 – 75 25 – 92 8 1 ( )

1 to 49 workers .................................................... 97 – – 76 24 – 92 8 1 ( )

50 to 99 workers .................................................. 97 – – 73 27 – 93 7 1 ( )

100 workers or more ................................................ 95 5 – 85 15 – 92 7 1

100 to 499 workers .............................................. 95 5 – 88 12 – 92 7 1

500 workers or more ............................................ 94 6 – 81 19 – 91 8 1

Geographic areas

Northeast ................................................................. 92 8 – 66 34 – 78 21 1

New England ....................................................... 95 5 – 71 29 – 82 18 –

Middle Atlantic ..................................................... 91 9 – 64 36 – 76 22 2

South ....................................................................... 97 3 – 83 17 – 96 4 1 ( )

South Atlantic ....................................................... 96 4 – 79 21 – 94 6 1 ( )

West South Central .............................................. 98 – – 89 11 – 97 – –

Midwest .................................................................... 96 4 – 82 18 – 95 5 1 ( )

East North Central ............................................... 96 4 – 80 20 – 94 6 1 ( )

West North Central .............................................. 98 – – 86 14 – 96 – –

West ......................................................................... 97 – – 91 9 – 95 – –

Mountain .............................................................. 98 – – 89 – – 92 – –

Pacific .................................................................. 96 – – 92 – – 97 3 1 ( )

1 Less than 0.5. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 8. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2014

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 0.5 0.5 – 1.5 1.5 – 0.9 0.8 0.3

Management, professional, and related .................. 0.9 0.9 – 2.2 2.2 – 1.0 1.0 0.4

Management, business, and financial ................. 1.8 – – 2.5 2.5 – 2.1 2.0 0.4

Professional and related ...................................... 1.0 1.0 – 2.8 2.8 – 1.1 1.0 0.7

Service ..................................................................... 1.9 – – 3.0 3.0 – 2.2 2.2 –

Sales and office ....................................................... 0.7 0.7 – 1.7 1.7 – 1.4 1.3 0.7

Sales and related ................................................. 2.0 – – 1.8 1.8 – 2.6 – –

Office and administrative support ........................ 0.7 0.7 – 2.3 2.3 – 1.5 1.4 0.7

Natural resources, construction, and maintenance 0.7 0.7 – 2.4 2.4 – 1.8 1.7 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.6 – – 4.0 4.0 – 3.9 3.7 1.4

Installation, maintenance, and repair ................... 1.1 1.1 – 2.4 2.4 – 1.2 – –

Production, transportation, and material moving ..... 0.9 0.9 – 2.5 2.5 – 1.6 1.6 –

Production ............................................................ 0.8 0.8 – 3.0 3.0 – 2.2 – –

Transportation and material moving .................... 1.6 – – 3.3 3.3 – 1.8 1.8 –

Full time ................................................................... 0.5 0.5 – 1.5 1.5 – 0.9 0.9 0.3

Part time .................................................................. 2.5 – – 3.9 3.9 – 1.6 – –

Union ....................................................................... 1.3 1.3 – 3.2 3.2 – 2.0 2.5 1.3

Nonunion ................................................................. 0.5 0.5 – 1.5 1.5 – 0.9 0.8 0.3

Average wage within the following categories1:

Lowest 25 percent ............................................... 1.3 – – 1.6 1.6 – 1.3 – –

Second 25 percent ............................................... 0.6 0.6 – 1.9 1.9 – 1.1 1.0 0.4

Third 25 percent ................................................... 0.9 0.9 – 2.0 2.0 – 1.6 1.6 0.3

Highest 25 percent ............................................... 1.0 1.0 – 2.2 2.2 – 1.1 1.1 0.4

Highest 10 percent ........................................... 0.8 0.8 – 3.0 3.0 – 1.1 1.1 0.5

Establishment characteristics

Goods-producing industries ..................................... 0.6 0.6 – 3.2 3.2 – 1.8 1.7 0.3

Construction ......................................................... 0.3 – – 2.6 2.6 – 2.0 – –

Manufacturing ...................................................... 0.8 0.8 – 4.0 4.0 – 2.6 – –

Service-providing industries ..................................... 0.6 0.6 – 1.7 1.7 – 1.0 1.0 0.4

Trade, transportation, and utilities ....................... 1.1 1.1 – 1.6 1.6 – 1.3 1.3 –

Retail trade ...................................................... 1.3 – – 2.2 2.2 – 2.2 – –

Financial activities ................................................ 0.3 – – 1.9 1.9 – 2.6 0.9 2.5

Finance and insurance .................................... 0.3 – – 2.5 2.5 – 2.9 1.0 2.9

See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 0.1 – – 2.3 2.3 – 5.9 – –

Insurance carriers and related activities ...... 0.7 – – 2.7 2.7 – 1.9 – –

Professional and business services ..................... 0.7 – – 3.7 3.7 – 2.5 2.5 –

Professional and technical services ................. 1.1 – – 3.5 3.5 – 1.7 – –

Education and health services ............................. 2.0 2.0 – 4.5 4.5 – 2.0 2.3 0.9

Educational services ........................................ 7.1 – – 6.2 6.2 – 3.8 3.8 –

Junior colleges, colleges, and universities ... 4.2 4.2 – 4.2 4.2 – 3.2 3.2 –

Health care and social assistance ................... 2.1 – – 5.1 5.1 – 2.3 2.8 1.0

1 to 99 workers ........................................................ 0.7 0.7 – 2.3 2.3 – 1.2 1.2 0.2

1 to 49 workers .................................................... 0.9 – – 2.8 2.8 – 1.5 1.5 0.3

50 to 99 workers .................................................. 1.4 – – 3.1 3.1 – 1.8 1.7 0.3

100 workers or more ................................................ 0.7 0.7 – 1.6 1.6 – 1.1 1.1 0.5

100 to 499 workers .............................................. 1.1 1.1 – 1.7 1.7 – 1.6 1.5 0.7

500 workers or more ............................................ 1.0 1.0 – 2.5 2.5 – 1.7 1.8 0.7

Geographic areas

Northeast ................................................................. 1.7 1.7 – 5.8 5.8 – 3.5 3.7 0.9

New England ....................................................... 1.5 1.5 – 4.9 4.9 – 3.4 3.4 –

Middle Atlantic ..................................................... 2.1 2.1 – 7.2 7.2 – 4.4 4.5 1.1

South ....................................................................... 0.6 0.6 – 1.5 1.5 – 0.7 0.6 0.2

South Atlantic ....................................................... 1.0 1.0 – 2.4 2.4 – 1.0 1.0 0.1

West South Central .............................................. 0.9 – – 2.0 2.0 – 1.1 – –

Midwest .................................................................... 0.6 0.6 – 2.7 2.7 – 1.0 1.0 0.1

East North Central ............................................... 0.8 0.8 – 3.8 3.8 – 1.3 1.3 0.1

West North Central .............................................. 1.0 – – 2.9 2.9 – 1.1 – –

West ......................................................................... 1.1 – – 2.1 2.1 – 1.6 – –

Mountain .............................................................. 1.1 – – 4.1 – – 4.2 – –

Pacific .................................................................. 1.6 – – 2.3 – – 0.7 0.7 0.2

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 9. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,

2014

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... 96 – – 63 $1,000 $2,000 $1,000 – 4 –

Management, professional, and related .................. 95 – – 62 1,000 2,000 1,000 – 5 –

Management, business, and financial ................. 96 – – 61 1,000 2,000 1,000 – – –

Professional and related ...................................... 95 – – 64 1,000 2,000 1,000 – 5 –

Service ..................................................................... 94 – – 60 1,250 2,500 – – – –

Sales and office ....................................................... 96 – – 70 1,000 2,500 – – 4 –

Sales and related ................................................. 95 – – 73 1,500 3,000 – – – –

Office and administrative support ........................ 97 – – 69 1,000 2,000 – – 3 –

Natural resources, construction, and maintenance 96 40 $500 56 1,000 – – – 4 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 98 58 400 40 – – – – – –

Installation, maintenance, and repair ................... 95 27 1,000 68 1,250 – – – 5 –

Production, transportation, and material moving ..... 96 – – 59 – 1,500 – – 4 –

Production ............................................................ 97 – – 63 950 1,750 – – 3 –

Transportation and material moving .................... 95 – – 54 650 1,200 – – 5 –

Full time ................................................................... 96 – – 63 1,000 2,000 1,000 – 4 –

Part time .................................................................. 93 – – 64 1,000 – – – – –

Union ....................................................................... 92 – – 53 500 1,000 – – 8 –

Nonunion ................................................................. 96 – – 64 1,000 2,000 1,000 – 4 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 96 – – 61 1,250 3,000 – – – –

Second 25 percent ............................................... 98 – – 69 1,000 2,500 – – 2 –

Third 25 percent ................................................... 96 – – 64 1,000 2,000 1,000 – 4 –

Highest 25 percent ............................................... 94 – – 59 1,000 2,000 – – 6 –

Highest 10 percent ........................................... 96 – – 59 – 2,000 – – 4 –

Establishment characteristics

Goods-producing industries ..................................... 97 – – 53 1,000 2,000 – – 3 –

Construction ......................................................... 99 62 500 37 1,500 3,000 – – – –

Manufacturing ...................................................... 96 – – 61 – – – – 4 –

Service-providing industries ..................................... 95 – – 66 1,000 2,000 1,000 – 5 –

Trade, transportation, and utilities ....................... 95 – – 69 1,000 2,500 – – 5 –

Retail trade ...................................................... 95 – – 72 1,500 3,000 – – – –

Financial activities ................................................ 100 – – 65 1,000 2,000 – – – –

Finance and insurance .................................... 99 – – 62 1,000 2,000 – – – –

See footnotes at end of table.
Table 9. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,

2014—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. 100 29 $1,000 70 $1,250 $2,500 – – – –

Insurance carriers and related activities ...... 99 47 1,300 52 – – – – – –

Professional and business services ..................... 98 34 – 64 950 2,000 – – – –

Professional and technical services ................. 98 37 – 60 – – – – – –

Education and health services ............................. 91 – – 68 1,000 2,000 – – 9 –

Educational services ........................................ 78 24 – 53 500 1,000 $400 – – –

Junior colleges, colleges, and universities ... 86 27 500 58 500 1,000 400 – 14 –

Health care and social assistance ................... 94 – – 70 1,000 2,000 – – – –

1 to 99 workers ........................................................ 97 – – 65 1,250 2,550 1,000 – 3 –

1 to 49 workers .................................................... 97 – – 65 1,500 3,000 1,000 – – –

50 to 99 workers .................................................. 97 – – 66 1,000 2,000 – – – –

100 workers or more ................................................ 94 – – 61 950 1,500 – – 6 –

100 to 499 workers .............................................. 95 – – 62 1,000 1,750 1,250 – 5 –

500 workers or more ............................................ 94 – – 60 750 1,500 – – 6 –

Geographic areas

Northeast ................................................................. 92 – – 60 750 1,000 – – 8 –

New England ....................................................... 95 38 – 56 650 – – – 5 –

Middle Atlantic ..................................................... 91 – – 61 – 1,000 – – 9 –

South ....................................................................... 97 – – 63 1,000 2,500 1,000 – 3 –

South Atlantic ....................................................... 96 – – 66 1,000 2,000 – – 4 –

West South Central .............................................. 98 40 – 58 1,200 3,000 1,000 – – –

Midwest .................................................................... 96 – – 68 1,000 2,500 – – 4 –

East North Central ............................................... 96 – – 70 1,200 2,500 500 – 4 –

West North Central .............................................. 96 – – 64 1,000 2,500 – – – –

West ......................................................................... 97 – – 60 1,000 2,000 – – – –

Mountain .............................................................. 98 – – 63 1,000 – – – – –

Pacific .................................................................. 96 – – 58 1,000 2,000 – – – –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee. 3 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National

Compensation Survey, 2014

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most generous

coverage1

Worker characteristics

All workers ............................................................... 0.5 – – 1.2 $0 $0 $230 – 0.5 –

Management, professional, and related .................. 0.9 – – 2.0 0 0 73 – 0.9 –

Management, business, and financial ................. 1.8 – – 2.4 0 134 0 – – –

Professional and related ...................................... 1.0 – – 2.5 46 0 199 – 1.0 –

Service ..................................................................... 2.1 – – 4.4 227 327 – – – –

Sales and office ....................................................... 0.8 – – 1.9 255 492 – – 0.8 –

Sales and related ................................................. 2.0 – – 2.4 352 329 – – – –

Office and administrative support ........................ 0.7 – – 2.3 18 350 – – 0.7 –

Natural resources, construction, and maintenance 0.9 3.0 $18 3.0 290 – – – 0.9 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.3 6.3 115 6.3 – – – – – –

Installation, maintenance, and repair ................... 1.1 3.5 146 3.5 302 – – – 1.1 –

Production, transportation, and material moving ..... 0.9 – – 2.6 – 325 – – 0.9 –

Production ............................................................ 0.8 – – 2.9 114 270 – – 0.8 –

Transportation and material moving .................... 1.6 – – 4.4 66 281 – – 1.6 –

Full time ................................................................... 0.5 – – 1.2 0 0 157 – 0.5 –

Part time .................................................................. 2.8 – – 5.5 0 – – – – –

Union ....................................................................... 1.7 – – 3.4 26 32 – – 1.7 –

Nonunion ................................................................. 0.5 – – 1.2 0 200 52 – 0.5 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 1.9 – – 4.3 309 645 – – – –

Second 25 percent ............................................... 0.6 – – 2.2 94 358 – – 0.6 –

Third 25 percent ................................................... 0.9 – – 2.1 0 240 229 – 0.9 –

Highest 25 percent ............................................... 1.0 – – 1.9 116 149 – – 1.0 –

Highest 10 percent ........................................... 0.8 – – 3.2 – 241 – – 0.8 –

Establishment characteristics

Goods-producing industries ..................................... 0.7 – – 2.3 219 500 – – 0.7 –

Construction ......................................................... 0.9 3.5 0 3.5 433 566 – – – –

Manufacturing ...................................................... 0.8 – – 3.1 – – – – 0.8 –

Service-providing industries ..................................... 0.6 – – 1.4 0 0 184 – 0.6 –

Trade, transportation, and utilities ....................... 1.1 – – 2.4 63 475 – – 1.1 –

Retail trade ...................................................... 1.7 – – 3.5 65 474 – – – –

Financial activities ................................................ 0.3 – – 2.6 235 200 – – – –

Finance and insurance .................................... 0.3 – – 2.6 283 157 – – – –

See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most generous

coverage1

Credit intermediation and related activities .. 0.1 3.3 $0 3.3 $365 $439 – – – –

Insurance carriers and related activities ...... 0.7 4.5 58 4.1 – – – – – –

Professional and business services ..................... 0.6 4.6 – 4.6 128 151 – – – –

Professional and technical services ................. 0.9 5.6 – 5.6 – – – – – –

Education and health services ............................. 2.0 – – 2.8 65 324 – – 2.0 –

Educational services ........................................ 7.1 5.2 – 6.4 88 137 $0 – – –

Junior colleges, colleges, and universities ... 4.2 4.8 0 5.7 0 45 0 – 4.2 –

Health care and social assistance ................... 2.1 – – 3.0 289 596 – – – –

1 to 99 workers ........................................................ 0.7 – – 2.2 275 579 0 – 0.7 –

1 to 49 workers .................................................... 0.9 – – 2.6 295 213 0 – – –

50 to 99 workers .................................................. 1.4 – – 3.6 298 453 – – – –

100 workers or more ................................................ 0.7 – – 1.5 100 303 – – 0.7 –

100 to 499 workers .............................................. 1.1 – – 2.3 42 233 0 – 1.1 –

500 workers or more ............................................ 1.0 – – 2.8 149 351 – – 1.0 –

Geographic areas

Northeast ................................................................. 1.7 – – 4.1 192 119 – – 1.7 –

New England ....................................................... 1.5 5.4 – 5.0 169 – – – 1.5 –

Middle Atlantic ..................................................... 2.1 – – 5.0 – 97 – – 2.1 –

South ....................................................................... 0.6 – – 1.5 0 220 0 – 0.6 –

South Atlantic ....................................................... 1.1 – – 2.1 0 74 – – 1.1 –

West South Central .............................................. 0.9 2.3 – 2.3 267 539 0 – – –

Midwest .................................................................... 0.7 – – 2.0 253 514 – – 0.7 –

East North Central ............................................... 0.7 – – 2.0 244 540 0 – 0.7 –

West North Central .............................................. 1.7 – – 4.3 186 636 – – – –

West ......................................................................... 1.1 – – 3.2 16 479 – – – –

Mountain .............................................................. 1.1 – – 5.0 54 – – – – –

Pacific .................................................................. 1.6 – – 4.0 103 595 – – – –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 10. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation

Survey, 2014

(All workers participating in fee-for-service plans = 100 percent)

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 96 $250 $500 $1,000 $2,000 $3,000 4 –

Management, professional, and related .................. 95 250 – 1,000 1,500 2,500 5 –

Management, business, and financial ................. 96 250 500 1,000 1,500 2,750 – –

Professional and related ...................................... 95 250 400 750 1,500 2,500 5 –

Service ..................................................................... 94 250 500 1,200 2,500 3,000 – –

Sales and office ....................................................... 96 300 500 1,100 – 3,000 4 –

Sales and related ................................................. 95 – 500 1,250 2,500 3,000 – –

Office and administrative support ........................ 97 300 500 1,000 2,250 3,000 3 –

Natural resources, construction, and maintenance 96 250 300 – 2,000 3,000 4 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 98 – 300 500 1,000 2,500 – –

Installation, maintenance, and repair ................... 95 250 – 1,000 2,000 3,000 5 –

Production, transportation, and material moving ..... 96 250 500 750 1,750 2,700 4 –

Production ............................................................ 97 250 500 1,000 2,000 2,700 3 –

Transportation and material moving .................... 95 250 300 600 1,500 2,700 5 –

Full time ................................................................... 96 250 500 1,000 2,000 3,000 4 –

Part time .................................................................. 93 250 – 950 2,000 2,750 – –

Union ....................................................................... 92 200 250 500 – 1,500 8 –

Nonunion ................................................................. 96 250 500 1,000 2,000 3,000 4 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 96 300 500 1,150 2,600 3,000 – –

Second 25 percent ............................................... 98 300 500 1,000 2,000 3,000 2 –

Third 25 percent ................................................... 96 250 500 1,000 2,000 2,750 4 –

Highest 25 percent ............................................... 94 250 350 750 1,500 2,500 6 –

Highest 10 percent ........................................... 96 250 350 750 1,500 2,500 4 –

Establishment characteristics

Goods-producing industries ..................................... 97 250 450 800 2,000 3,000 3 –

Construction ......................................................... 99 250 350 – – 3,000 – –

Manufacturing ...................................................... 96 250 500 1,000 2,000 3,000 4 –

Service-providing industries ..................................... 95 250 500 1,000 2,000 3,000 5 –

Trade, transportation, and utilities ....................... 95 250 500 1,000 2,000 3,000 5 –

Retail trade ...................................................... 95 300 500 1,500 2,500 3,000 – –

Financial activities ................................................ 100 350 500 1,250 2,000 3,000 – –

Finance and insurance .................................... 99 350 500 1,250 2,000 2,500 – –

See footnotes at end of table.
Table 10. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation

Survey, 2014—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 $350 $500 $1,250 $2,000 $3,000 – –

Insurance carriers and related activities ...... 99 – 600 1,250 2,000 2,800 – –

Professional and business services ..................... 98 250 500 1,000 2,000 2,600 – –

Professional and technical services ................. 98 250 450 – 1,500 2,500 – –

Education and health services ............................. 91 250 500 1,000 1,600 3,000 9 –

Educational services ........................................ 78 250 300 500 1,000 – – –

Junior colleges, colleges, and universities ... 86 250 350 500 1,000 – 14 –

Health care and social assistance ................... 94 250 500 1,000 2,000 3,000 – –

1 to 99 workers ........................................................ 97 300 500 1,000 2,500 3,000 3 –

1 to 49 workers .................................................... 97 300 500 1,000 2,500 3,000 – –

50 to 99 workers .................................................. 97 250 500 1,000 2,000 3,000 – –

100 workers or more ................................................ 94 250 400 750 1,500 2,600 6 –

100 to 499 workers .............................................. 95 250 500 950 1,700 2,750 5 –

500 workers or more ............................................ 94 225 300 650 1,500 2,300 6 –

Geographic areas

Northeast ................................................................. 92 250 – 750 1,500 2,500 8 –

New England ....................................................... 95 300 500 – 1,300 2,000 5 –

Middle Atlantic ..................................................... 91 225 – 750 – 2,500 9 –

South ....................................................................... 97 250 500 1,000 1,800 2,750 3 –

South Atlantic ....................................................... 96 250 – 1,000 1,500 2,750 4 –

West South Central .............................................. 98 300 500 1,000 2,000 3,000 – –

Midwest .................................................................... 96 300 500 1,000 2,500 3,000 4 –

East North Central ............................................... 96 300 500 1,000 2,500 3,300 4 –

West North Central .............................................. 96 300 500 1,000 2,000 3,000 – –

West ......................................................................... 97 250 – 1,000 1,500 2,500 – –

Mountain .............................................................. 98 – – 1,000 1,500 2,500 – –

Pacific .................................................................. 96 250 – 950 1,600 2,700 – –

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 10. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2014

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.5 $0 $13 $0 $36 $0 0.5 –

Management, professional, and related .................. 0.9 0 – 193 0 195 0.9 –

Management, business, and financial ................. 1.8 13 29 0 162 268 – –

Professional and related ...................................... 1.0 0 98 113 0 127 1.0 –

Service ..................................................................... 2.1 50 9 298 396 289 – –

Sales and office ....................................................... 0.8 13 0 193 – 0 0.8 –

Sales and related ................................................. 2.0 – 44 280 309 38 – –

Office and administrative support ........................ 0.7 13 0 136 436 0 0.7 –

Natural resources, construction, and maintenance 0.9 8 44 – 228 0 0.9 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.3 – 63 82 210 718 – –

Installation, maintenance, and repair ................... 1.1 0 – 165 0 89 1.1 –

Production, transportation, and material moving ..... 0.9 0 143 112 302 185 0.9 –

Production ............................................................ 0.8 61 0 49 18 268 0.8 –

Transportation and material moving .................... 1.6 0 61 144 354 244 1.6 –

Full time ................................................................... 0.5 0 0 0 41 0 0.5 –

Part time .................................................................. 2.8 0 – 195 421 0 – –

Union ....................................................................... 1.7 57 25 41 – 431 1.7 –

Nonunion ................................................................. 0.5 24 0 0 0 0 0.5 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 1.9 53 0 257 228 392 – –

Second 25 percent ............................................... 0.6 13 0 0 46 0 0.6 –

Third 25 percent ................................................... 0.9 0 50 40 52 262 0.9 –

Highest 25 percent ............................................... 1.0 10 47 38 0 199 1.0 –

Highest 10 percent ........................................... 0.8 14 75 112 0 94 0.8 –

Establishment characteristics

Goods-producing industries ..................................... 0.7 3 105 161 290 295 0.7 –

Construction ......................................................... 0.9 16 75 – – 365 – –

Manufacturing ...................................................... 0.8 24 33 78 83 276 0.8 –

Service-providing industries ..................................... 0.6 0 0 0 0 0 0.6 –

Trade, transportation, and utilities ....................... 1.1 0 51 13 0 209 1.1 –

Retail trade ...................................................... 1.7 22 94 246 127 147 – –

Financial activities ................................................ 0.3 18 75 116 0 255 – –

Finance and insurance .................................... 0.3 0 102 158 0 294 – –

See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2014—continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 0.1 $0 $30 $355 $0 $456 – –

Insurance carriers and related activities ...... 0.7 – 12 68 65 372 – –

Professional and business services ..................... 0.6 36 69 104 250 147 – –

Professional and technical services ................. 0.9 0 127 – 442 474 – –

Education and health services ............................. 2.0 0 16 0 455 498 2.0 –

Educational services ........................................ 7.1 0 82 0 166 – – –

Junior colleges, colleges, and universities ... 4.2 47 61 0 221 – 4.2 –

Health care and social assistance ................... 2.1 32 115 0 498 857 – –

1 to 99 workers ........................................................ 0.7 0 0 53 189 0 0.7 –

1 to 49 workers .................................................... 0.9 49 0 88 129 117 – –

50 to 99 workers .................................................. 1.4 50 52 154 558 0 – –

100 workers or more ................................................ 0.7 5 59 100 0 151 0.7 –

100 to 499 workers .............................................. 1.1 0 130 102 242 147 1.1 –

500 workers or more ............................................ 1.0 25 79 118 55 321 1.0 –

Geographic areas

Northeast ................................................................. 1.7 20 – 170 87 44 1.7 –

New England ....................................................... 1.5 27 0 – 248 459 1.5 –

Middle Atlantic ..................................................... 2.1 40 – 214 – 199 2.1 –

South ....................................................................... 0.6 0 72 0 285 188 0.6 –

South Atlantic ....................................................... 1.1 0 – 18 223 47 1.1 –

West South Central .............................................. 0.9 46 0 0 36 289 – –

Midwest .................................................................... 0.7 0 0 113 481 520 0.7 –

East North Central ............................................... 0.7 0 0 153 336 892 0.7 –

West North Central .............................................. 1.7 47 69 224 382 338 – –

West ......................................................................... 1.1 16 – 253 275 212 – –

Mountain .............................................................. 1.1 – – 297 132 0 – –

Pacific .................................................................. 1.6 22 – 283 329 390 – –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 11. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,

2014

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... 94 – – 62 $2,250 $4,500 $2,000 – 6 –

Management, professional, and related .................. 94 – – 61 2,000 4,500 2,000 – 6 –

Management, business, and financial ................. 93 – – 59 2,000 4,500 2,000 – – –

Professional and related ...................................... 94 – – 63 2,100 4,200 – – 6 –

Service ..................................................................... 91 – – 59 3,000 5,000 – – 9 –

Sales and office ....................................................... 95 – – 70 3,000 6,000 – – 5 –

Sales and related ................................................. 95 – – 73 3,000 6,000 – – – –

Office and administrative support ........................ 95 – – 68 3,000 6,000 – – 5 –

Natural resources, construction, and maintenance 94 38 $1,500 56 2,250 – – – 6 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 95 55 1,050 40 2,000 – – – – –

Installation, maintenance, and repair ................... 93 26 2,000 67 2,500 – – – 7 –

Production, transportation, and material moving ..... 93 – – 58 1,950 3,450 – – 7 –

Production ............................................................ 93 – – 62 1,950 3,900 – – 7 –

Transportation and material moving .................... 92 – – 54 1,950 – – – 8 –

Full time ................................................................... 94 – – 62 2,300 4,800 2,000 – 6 –

Part time .................................................................. 89 – – 64 2,000 3,000 – – 11 –

Union ....................................................................... 88 – – 52 – 2,000 – – 12 –

Nonunion ................................................................. 94 – – 64 2,500 5,000 2,000 – 6 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 92 – – 59 3,000 6,000 4,500 – 8 –

Second 25 percent ............................................... 97 – – 68 3,000 5,600 – – 3 –

Third 25 percent ................................................... 93 – – 63 2,000 4,000 2,000 – 7 –

Highest 25 percent ............................................... 92 – – 58 2,000 4,000 2,000 – 8 –

Highest 10 percent ........................................... 94 – – 57 2,000 4,000 – – 6 –

Establishment characteristics

Goods-producing industries ..................................... 93 – – 51 2,000 4,000 – – 7 –

Construction ......................................................... 97 60 1,500 37 – – – – – –

Manufacturing ...................................................... 92 – – 58 1,800 4,000 – – 8 –

Service-providing industries ..................................... 94 – – 66 2,400 4,800 2,000 – 6 –

Trade, transportation, and utilities ....................... 93 – – 68 2,300 5,600 3,600 – 7 –

Retail trade ...................................................... 93 – – 72 3,000 7,000 3,600 – 7 –

Financial activities ................................................ 99 – – 65 2,500 4,500 – – – –

Finance and insurance .................................... 99 – – 62 2,500 5,000 – – – –

See footnotes at end of table.
Table 11. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,

2014—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. 100 29 $2,500 70 $2,550 $5,000 – – – –

Insurance carriers and related activities ...... 97 45 2,600 52 2,550 4,500 – – – –

Professional and business services ..................... 96 34 – 63 1,950 4,000 – – – –

Professional and technical services ................. 97 37 – 60 1,500 4,000 – – – –

Education and health services ............................. 91 – – 68 3,000 6,000 – – 9 –

Educational services ........................................ 77 24 – 52 – 3,000 $800 – – –

Junior colleges, colleges, and universities ... 84 27 1,500 56 – 2,000 800 – 16 –

Health care and social assistance ................... 93 – – 70 3,000 6,000 – – – –

1 to 99 workers ........................................................ 96 – – 65 3,000 6,000 2,000 – 4 –

1 to 49 workers .................................................... 96 – – 64 3,000 6,000 2,000 – 4 –

50 to 99 workers .................................................. 96 – – 66 3,000 5,000 – – – –

100 workers or more ................................................ 92 – – 60 2,000 3,750 – – 8 –

100 to 499 workers .............................................. 92 – – 62 2,000 4,000 3,000 – 8 –

500 workers or more ............................................ 92 – – 58 1,800 3,000 – – 8 –

Geographic areas

Northeast ................................................................. 90 – – 59 1,500 2,500 – – 10 –

New England ....................................................... 91 34 – 56 1,800 – – – 9 –

Middle Atlantic ..................................................... 90 – – 59 1,500 2,400 – – 10 –

South ....................................................................... 96 – – 62 2,400 5,000 2,000 – 4 –

South Atlantic ....................................................... 95 – – 66 2,100 4,500 – – 5 –

West South Central .............................................. 98 40 – 58 3,000 6,000 2,000 – – –

Midwest .................................................................... 94 – – 67 2,600 6,000 – – 6 –

East North Central ............................................... 93 – – 69 3,000 6,000 1,500 – 7 –

West North Central .............................................. 97 – – 64 2,400 5,000 – – – –

West ......................................................................... 92 – – 58 2,000 4,500 – – 8 –

Mountain .............................................................. 96 – – 63 – – – – – –

Pacific .................................................................. 90 – – 55 2,000 4,500 – – – –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee. 3 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 11. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National

Compensation Survey, 2014

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... 0.7 – – 1.2 $180 $359 $345 – 0.7 –

Management, professional, and related .................. 1.1 – – 2.0 214 595 213 – 1.1 –

Management, business, and financial ................. 2.2 – – 2.4 117 573 0 – – –

Professional and related ...................................... 1.1 – – 2.5 442 547 – – 1.1 –

Service ..................................................................... 2.4 – – 4.3 18 1,078 – – 2.4 –

Sales and office ....................................................... 0.8 – – 1.9 82 323 – – 0.8 –

Sales and related ................................................. 2.1 – – 2.4 482 555 – – – –

Office and administrative support ........................ 0.8 – – 2.3 55 592 – – 0.8 –

Natural resources, construction, and maintenance 1.7 2.9 $391 3.0 447 – – – 1.7 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 3.5 5.4 239 6.3 242 – – – – –

Installation, maintenance, and repair ................... 1.5 3.5 46 3.5 589 – – – 1.5 –

Production, transportation, and material moving ..... 1.4 – – 2.6 49 302 – – 1.4 –

Production ............................................................ 1.6 – – 3.0 89 604 – – 1.6 –

Transportation and material moving .................... 2.2 – – 4.4 97 – – – 2.2 –

Full time ................................................................... 0.7 – – 1.2 169 429 318 – 0.7 –

Part time .................................................................. 3.0 – – 5.5 119 604 – – 3.0 –

Union ....................................................................... 1.9 – – 3.3 – 164 – – 1.9 –

Nonunion ................................................................. 0.7 – – 1.2 110 36 413 – 0.7 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 1.9 – – 4.3 280 648 0 – 1.9 –

Second 25 percent ............................................... 0.7 – – 2.2 599 948 – – 0.7 –

Third 25 percent ................................................... 1.1 – – 2.0 138 351 356 – 1.1 –

Highest 25 percent ............................................... 1.2 – – 2.0 9 36 495 – 1.2 –

Highest 10 percent ........................................... 1.6 – – 3.3 162 385 – – 1.6 –

Establishment characteristics

Goods-producing industries ..................................... 1.5 – – 2.3 114 503 – – 1.5 –

Construction ......................................................... 2.5 3.7 186 3.5 – – – – – –

Manufacturing ...................................................... 1.9 – – 3.1 380 718 – – 1.9 –

Service-providing industries ..................................... 0.8 – – 1.4 157 491 359 – 0.8 –

Trade, transportation, and utilities ....................... 1.3 – – 2.4 185 1,217 970 – 1.3 –

Retail trade ...................................................... 1.6 – – 3.5 158 810 970 – 1.6 –

Financial activities ................................................ 0.6 – – 2.6 171 545 – – – –

Finance and insurance .................................... 0.6 – – 2.6 216 643 – – – –

See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. 0.3 3.4 $447 3.3 $618 $608 – – – –

Insurance carriers and related activities ...... 1.4 4.4 26 4.1 596 560 – – – –

Professional and business services ..................... 1.4 4.7 – 4.4 134 285 – – – –

Professional and technical services ................. 1.4 5.8 – 5.6 179 1,018 – – – –

Education and health services ............................. 2.0 – – 2.8 0 920 – – 2.0 –

Educational services ........................................ 7.1 5.2 – 6.4 – 672 $13 – – –

Junior colleges, colleges, and universities ... 4.1 4.8 0 5.6 – 425 13 – 4.1 –

Health care and social assistance ................... 2.1 – – 3.0 0 182 – – – –

1 to 99 workers ........................................................ 0.9 – – 2.2 0 0 0 – 0.9 –

1 to 49 workers .................................................... 1.1 – – 2.5 0 0 0 – 1.1 –

50 to 99 workers .................................................. 1.8 – – 3.6 605 930 – – – –

100 workers or more ................................................ 0.9 – – 1.5 49 428 – – 0.9 –

100 to 499 workers .............................................. 1.3 – – 2.2 16 267 713 – 1.3 –

500 workers or more ............................................ 1.4 – – 2.8 362 537 – – 1.4 –

Geographic areas

Northeast ................................................................. 1.7 – – 3.9 270 504 – – 1.7 –

New England ....................................................... 1.5 5.6 – 5.0 528 – – – 1.5 –

Middle Atlantic ..................................................... 2.1 – – 4.8 264 275 – – 2.1 –

South ....................................................................... 0.7 – – 1.5 133 873 103 – 0.7 –

South Atlantic ....................................................... 1.3 – – 2.1 276 499 – – 1.3 –

West South Central .............................................. 0.9 2.3 – 2.3 456 887 0 – – –

Midwest .................................................................... 1.1 – – 2.0 422 989 – – 1.1 –

East North Central ............................................... 1.5 – – 1.9 184 530 356 – 1.5 –

West North Central .............................................. 1.0 – – 4.3 427 1,169 – – – –

West ......................................................................... 2.1 – – 3.4 580 963 – – 2.1 –

Mountain .............................................................. 2.1 – – 5.0 – – – – – –

Pacific .................................................................. 3.1 – – 4.3 511 919 – – – –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 12. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation

Survey, 2014

(All workers participating in fee-for-service plans = 100 percent)

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 94 $600 $1,000 $2,000 $4,000 $6,000 6 –

Management, professional, and related .................. 94 600 1,000 2,000 3,600 5,600 6 –

Management, business, and financial ................. 93 600 1,000 2,000 4,000 6,000 – –

Professional and related ...................................... 94 500 1,000 1,800 3,400 5,000 6 –

Service ..................................................................... 91 – – 3,000 5,000 8,000 9 –

Sales and office ....................................................... 95 750 1,350 3,000 4,500 6,000 5 –

Sales and related ................................................. 95 800 1,500 2,500 5,000 6,400 – –

Office and administrative support ........................ 95 700 1,200 3,000 4,500 6,000 5 –

Natural resources, construction, and maintenance 94 500 750 1,500 4,000 6,000 6 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 95 – 700 – – 6,000 – –

Installation, maintenance, and repair ................... 93 500 800 2,000 5,000 6,000 7 –

Production, transportation, and material moving ..... 93 600 1,000 1,950 4,000 6,000 7 –

Production ............................................................ 93 600 1,000 2,000 4,000 6,000 7 –

Transportation and material moving .................... 92 500 750 1,500 3,000 6,000 8 –

Full time ................................................................... 94 600 1,000 2,000 4,000 6,000 6 –

Part time .................................................................. 89 500 750 2,000 4,500 5,500 11 –

Union ....................................................................... 88 400 600 1,000 1,950 – 12 –

Nonunion ................................................................. 94 600 1,000 2,400 4,000 6,000 6 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 92 600 – 3,000 5,500 9,000 8 –

Second 25 percent ............................................... 97 700 1,350 2,500 4,500 6,000 3 –

Third 25 percent ................................................... 93 600 1,000 2,000 4,000 6,000 7 –

Highest 25 percent ............................................... 92 500 900 1,800 3,300 5,600 8 –

Highest 10 percent ........................................... 94 600 900 1,800 3,000 5,500 6 –

Establishment characteristics

Goods-producing industries ..................................... 93 600 1,000 2,000 4,000 6,000 7 –

Construction ......................................................... 97 600 900 1,650 4,000 6,000 – –

Manufacturing ...................................................... 92 600 1,000 2,400 4,000 6,000 8 –

Service-providing industries ..................................... 94 600 1,000 2,000 4,000 6,000 6 –

Trade, transportation, and utilities ....................... 93 600 1,000 2,000 4,250 6,000 7 –

Retail trade ...................................................... 93 750 1,500 3,000 5,000 6,000 7 –

Financial activities ................................................ 99 700 1,500 2,600 4,000 6,000 – –

Finance and insurance .................................... 99 750 1,500 2,500 4,000 5,600 – –

See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation

Survey, 2014—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 $700 $1,500 $2,500 $4,000 $6,000 – –

Insurance carriers and related activities ...... 97 1,000 1,800 2,600 4,000 5,600 – –

Professional and business services ..................... 96 700 1,000 2,000 4,000 5,000 – –

Professional and technical services ................. 97 – 1,000 1,500 3,000 4,500 – –

Education and health services ............................. 91 600 1,000 2,500 4,500 7,500 9 –

Educational services ........................................ 77 500 – 1,500 3,000 4,800 – –

Junior colleges, colleges, and universities ... 84 500 750 1,500 2,500 – 16 –

Health care and social assistance ................... 93 625 – 3,000 4,500 7,500 – –

1 to 99 workers ........................................................ 96 700 1,300 3,000 5,000 7,500 4 –

1 to 49 workers .................................................... 96 700 1,250 3,000 5,000 7,500 4 –

50 to 99 workers .................................................. 96 700 1,500 3,000 5,000 7,500 – –

100 workers or more ................................................ 92 500 1,000 1,950 3,400 5,250 8 –

100 to 499 workers .............................................. 92 600 1,000 2,000 3,600 5,500 8 –

500 workers or more ............................................ 92 500 900 1,600 3,000 4,700 8 –

Geographic areas

Northeast ................................................................. 90 500 900 1,600 3,000 5,000 10 –

New England ....................................................... 91 900 1,000 – 3,000 4,000 9 –

Middle Atlantic ..................................................... 90 475 750 1,500 3,200 5,000 10 –

South ....................................................................... 96 600 1,000 2,000 4,000 6,000 4 –

South Atlantic ....................................................... 95 600 1,000 2,000 3,750 6,000 5 –

West South Central .............................................. 98 600 1,000 2,500 4,500 6,000 – –

Midwest .................................................................... 94 700 1,200 2,500 5,000 7,500 6 –

East North Central ............................................... 93 700 1,500 3,000 5,250 8,000 7 –

West North Central .............................................. 97 750 1,200 2,400 4,600 6,000 – –

West ......................................................................... 92 500 1,000 2,000 3,750 6,000 8 –

Mountain .............................................................. 96 – 1,000 2,000 4,000 5,500 – –

Pacific .................................................................. 90 500 900 2,000 3,750 6,000 – –

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National

Compensation Survey, 2014

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.7 $0 $0 $66 $0 $0 0.7 –

Management, professional, and related .................. 1.1 28 0 0 262 585 1.1 –

Management, business, and financial ................. 2.2 66 0 124 385 0 – –

Professional and related ...................................... 1.1 131 93 198 432 467 1.1 –

Service ..................................................................... 2.4 – – 650 721 1,632 2.4 –

Sales and office ....................................................... 0.8 33 248 255 535 1,230 0.8 –

Sales and related ................................................. 2.1 145 101 448 604 1,303 – –

Office and administrative support ........................ 0.8 56 200 167 447 1,320 0.8 –

Natural resources, construction, and maintenance 1.7 13 66 269 456 0 1.7 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 3.5 – 102 – – 1,482 – –

Installation, maintenance, and repair ................... 1.5 0 210 542 976 619 1.5 –

Production, transportation, and material moving ..... 1.4 103 103 92 461 255 1.4 –

Production ............................................................ 1.6 37 101 406 0 185 1.6 –

Transportation and material moving .................... 2.2 58 172 177 82 474 2.2 –

Full time ................................................................... 0.7 0 0 87 0 0 0.7 –

Part time .................................................................. 3.0 26 111 65 653 0 3.0 –

Union ....................................................................... 1.9 117 41 36 352 – 1.9 –

Nonunion ................................................................. 0.7 120 65 125 571 0 0.7 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 1.9 119 – 574 455 1,645 1.9 –

Second 25 percent ............................................... 0.7 34 270 469 415 347 0.7 –

Third 25 percent ................................................... 1.1 16 0 0 0 0 1.1 –

Highest 25 percent ............................................... 1.2 32 89 207 397 617 1.2 –

Highest 10 percent ........................................... 1.6 66 103 301 394 729 1.6 –

Establishment characteristics

Goods-producing industries ..................................... 1.5 18 45 242 220 0 1.5 –

Construction ......................................................... 2.5 75 186 467 691 0 – –

Manufacturing ...................................................... 1.9 18 0 455 41 0 1.9 –

Service-providing industries ..................................... 0.8 0 0 240 0 0 0.8 –

Trade, transportation, and utilities ....................... 1.3 71 0 97 456 0 1.3 –

Retail trade ...................................................... 1.6 109 327 451 385 524 1.6 –

Financial activities ................................................ 0.6 52 114 295 0 0 – –

Finance and insurance .................................... 0.6 93 0 317 0 568 – –

See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National

Compensation Survey, 2014—continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 0.3 $44 $175 $441 $0 $675 – –

Insurance carriers and related activities ...... 1.4 52 331 141 0 387 – –

Professional and business services ..................... 1.4 110 20 110 164 71 – –

Professional and technical services ................. 1.4 – 192 68 809 769 – –

Education and health services ............................. 2.0 158 242 501 55 1,437 2.0 –

Educational services ........................................ 7.1 0 – 253 483 1,376 – –

Junior colleges, colleges, and universities ... 4.1 0 65 182 144 – 4.1 –

Health care and social assistance ................... 2.1 149 – 569 465 1,707 – –

1 to 99 workers ........................................................ 0.9 16 208 285 0 736 0.9 –

1 to 49 workers .................................................... 1.1 0 258 354 0 1,152 1.1 –

50 to 99 workers .................................................. 1.8 103 291 428 549 1,544 – –

100 workers or more ................................................ 0.9 26 109 109 264 319 0.9 –

100 to 499 workers .............................................. 1.3 111 18 20 260 133 1.3 –

500 workers or more ............................................ 1.4 31 114 227 100 423 1.4 –

Geographic areas

Northeast ................................................................. 1.7 22 132 293 254 0 1.7 –

New England ....................................................... 1.5 82 88 – 255 661 1.5 –

Middle Atlantic ..................................................... 2.1 76 192 289 762 27 2.1 –

South ....................................................................... 0.7 0 0 100 46 0 0.7 –

South Atlantic ....................................................... 1.3 98 68 0 515 508 1.3 –

West South Central .............................................. 0.9 117 273 517 667 0 – –

Midwest .................................................................... 1.1 13 303 309 55 1,039 1.1 –

East North Central ............................................... 1.5 45 408 460 348 1,290 1.5 –

West North Central .............................................. 1.0 24 310 410 282 1,044 – –

West ......................................................................... 2.1 95 180 160 313 719 2.1 –

Mountain .............................................................. 2.1 – 296 355 432 510 – –

Pacific .................................................................. 3.1 144 211 251 517 516 – –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 13. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,

2014

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... – – 88 80 60 90 –

Management, professional, and related .................. – – 89 80 60 90 –

Management, business, and financial ................. – – 90 80 60 80 –

Professional and related ...................................... 12 80 88 80 60 90 –

Service ..................................................................... – – 82 80 60 90 –

Sales and office ....................................................... – – 89 80 60 90 –

Sales and related ................................................. – – 90 80 60 90 –

Office and administrative support ........................ – – 88 80 60 90 –

Natural resources, construction, and maintenance 11 80 89 80 60 85 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 91 80 60 – –

Installation, maintenance, and repair ................... 12 80 88 80 60 80 –

Production, transportation, and material moving ..... – – 89 80 60 90 –

Production ............................................................ 8 80 92 80 60 – –

Transportation and material moving .................... – – 85 80 60 – –

Full time ................................................................... – – 89 80 60 90 –

Part time .................................................................. – – 80 80 60 90 –

Union ....................................................................... 20 80 80 90 60 100 –

Nonunion ................................................................. – – 89 80 60 90 –

Average wage within the following categories2:

Lowest 25 percent ............................................... – – 82 80 60 80 –

Second 25 percent ............................................... – – 91 80 60 90 –

Third 25 percent ................................................... – – 87 80 60 90 –

Highest 25 percent ............................................... – – 89 80 60 90 –

Highest 10 percent ........................................... 10 90 90 80 60 100 –

Establishment characteristics

Goods-producing industries ..................................... 8 80 92 80 60 85 –

Construction ......................................................... 13 80 87 80 60 – –

Manufacturing ...................................................... 7 80 93 80 60 – –

Service-providing industries ..................................... – – 87 80 60 90 –

Trade, transportation, and utilities ....................... – – 86 80 60 80 –

Retail trade ...................................................... – – 88 80 60 80 –

Financial activities ................................................ – – 93 80 60 90 –

Finance and insurance .................................... – – 94 80 60 – –

See footnotes at end of table.
Table 13. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,

2014—continued

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. – – 94 80 60 – –

Insurance carriers and related activities ...... – – 93 80 60 80 –

Professional and business services ..................... 14 85 86 80 60 – –

Professional and technical services ................. 17 90 83 80 60 – –

Education and health services ............................. 12 80 88 80 60 90 –

Educational services ........................................ 24 80 76 90 70 100 –

Junior colleges, colleges, and universities ... 18 80 82 80 65 100 –

Health care and social assistance ................... – – 90 80 60 90 –

1 to 99 workers ........................................................ – – 89 80 60 80 –

1 to 49 workers .................................................... – – 90 80 60 80 –

50 to 99 workers .................................................. 16 80 84 80 60 – –

100 workers or more ................................................ – – 88 80 60 90 –

100 to 499 workers .............................................. – – 87 80 60 90 –

500 workers or more ............................................ – – 90 80 60 90 –

Geographic areas

Northeast ................................................................. 16 80 84 90 60 100 –

New England ....................................................... 8 75 92 90 60 100 –

Middle Atlantic ..................................................... 18 80 82 90 60 100 –

South ....................................................................... – – 87 80 60 80 –

South Atlantic ....................................................... – – 87 80 60 90 –

West South Central .............................................. – – 89 80 60 80 –

Midwest .................................................................... – – 90 80 60 80 –

East North Central ............................................... – – 92 80 60 80 –

West North Central .............................................. – – 87 80 60 80 –

West ......................................................................... 10 80 90 80 60 90 –

Mountain .............................................................. 11 80 89 80 60 – –

Pacific .................................................................. 9 80 91 80 60 85 –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 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

2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 13. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2014

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... – – 1.2 0.0 0.0 0.0 –

Management, professional, and related .................. – – 1.5 0.0 0.0 0.0 –

Management, business, and financial ................. – – 2.0 0.0 0.0 9.7 –

Professional and related ...................................... 1.6 0.0 1.6 0.9 0.0 0.0 –

Service ..................................................................... – – 4.4 0.0 0.0 3.6 –

Sales and office ....................................................... – – 1.8 0.0 0.0 3.6 –

Sales and related ................................................. – – 2.6 0.0 0.0 0.0 –

Office and administrative support ........................ – – 2.0 0.0 0.0 7.3 –

Natural resources, construction, and maintenance 2.1 0.0 2.1 0.0 0.0 4.1 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 3.1 0.0 0.0 – –

Installation, maintenance, and repair ................... 2.3 8.2 2.3 0.0 0.0 13.9 –

Production, transportation, and material moving ..... – – 1.9 0.0 0.0 10.5 –

Production ............................................................ 1.9 0.0 1.9 0.0 0.0 – –

Transportation and material moving .................... – – 2.8 0.0 0.0 – –

Full time ................................................................... – – 1.2 0.0 0.0 0.0 –

Part time .................................................................. – – 4.3 0.0 0.0 1.3 –

Union ....................................................................... 3.3 0.0 3.3 1.8 1.6 3.2 –

Nonunion ................................................................. – – 1.1 0.0 0.0 0.0 –

Average wage within the following categories2:

Lowest 25 percent ............................................... – – 4.4 0.0 0.0 0.0 –

Second 25 percent ............................................... – – 1.2 0.0 0.0 0.0 –

Third 25 percent ................................................... – – 1.4 0.0 0.0 1.6 –

Highest 25 percent ............................................... – – 1.3 0.0 0.0 0.0 –

Highest 10 percent ........................................... 2.0 6.9 2.0 2.2 0.0 9.8 –

Establishment characteristics

Goods-producing industries ..................................... 1.5 0.0 1.5 0.0 0.0 6.9 –

Construction ......................................................... 3.0 0.0 3.0 0.0 0.0 – –

Manufacturing ...................................................... 1.7 1.3 1.7 0.0 0.0 – –

Service-providing industries ..................................... – – 1.5 0.0 0.0 0.0 –

Trade, transportation, and utilities ....................... – – 1.8 0.0 0.0 6.3 –

Retail trade ...................................................... – – 2.6 0.0 5.2 8.9 –

Financial activities ................................................ – – 1.3 0.0 0.0 8.0 –

Finance and insurance .................................... – – 1.0 0.0 0.0 – –

See footnotes at end of table.
Table 13. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Credit intermediation and related activities .. – – 1.3 0.0 0.0 – –

Insurance carriers and related activities ...... – – 2.2 0.0 0.0 12.2 –

Professional and business services ..................... 2.9 6.2 2.9 2.2 0.0 – –

Professional and technical services ................. 3.7 4.8 3.7 4.2 0.0 – –

Education and health services ............................. 3.1 1.8 3.1 0.0 0.0 0.0 –

Educational services ........................................ 6.2 0.0 6.2 0.9 1.3 8.4 –

Junior colleges, colleges, and universities ... 3.9 7.1 3.9 4.4 6.5 8.4 –

Health care and social assistance ................... – – 3.3 0.0 0.0 0.0 –

1 to 99 workers ........................................................ – – 1.6 0.0 0.0 3.2 –

1 to 49 workers .................................................... – – 1.4 0.0 0.0 3.2 –

50 to 99 workers .................................................. 3.3 0.0 3.3 0.0 0.0 – –

100 workers or more ................................................ – – 1.4 0.0 0.0 0.0 –

100 to 499 workers .............................................. – – 1.9 0.0 0.0 6.0 –

500 workers or more ............................................ – – 2.1 0.0 0.0 6.8 –

Geographic areas

Northeast ................................................................. 3.6 0.0 3.6 0.9 2.2 0.0 –

New England ....................................................... 2.1 0.0 2.1 4.7 4.5 0.0 –

Middle Atlantic ..................................................... 4.6 2.0 4.6 1.3 4.7 0.0 –

South ....................................................................... – – 2.3 0.0 0.0 7.7 –

South Atlantic ....................................................... – – 4.0 0.0 0.0 0.0 –

West South Central .............................................. – – 2.0 0.0 0.0 0.0 –

Midwest .................................................................... – – 2.1 0.0 0.0 4.9 –

East North Central ............................................... – – 0.9 0.0 0.0 6.2 –

West North Central .............................................. – – 5.5 0.0 0.0 5.4 –

West ......................................................................... 2.0 0.0 2.0 0.0 0.0 2.6 –

Mountain .............................................................. 3.2 0.0 3.2 0.0 6.1 – –

Pacific .................................................................. 2.6 0.0 2.6 0.0 0.0 5.4 –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 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

2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 14. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2014

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

determinable 10th percentile 25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 92 $1,000 $1,500 $2,000 $3,000 $4,200 8 1

Management, professional, and related .................. 92 1,000 1,500 2,000 3,000 3,850 7 1

Management, business, and financial ................. 92 1,000 1,500 2,000 2,700 3,750 7 2 ( )

Professional and related ...................................... 92 1,000 1,500 2,000 3,000 4,000 7 1

Service ..................................................................... 87 1,000 1,500 2,500 4,000 5,000 13 –

Sales and office ....................................................... 92 1,000 1,500 2,250 3,000 4,300 7 1

Sales and related ................................................. 92 1,000 1,750 2,425 3,250 4,300 – –

Office and administrative support ........................ 92 1,000 1,500 2,000 3,000 4,300 7 1

Natural resources, construction, and maintenance 90 1,000 1,250 2,000 3,000 4,850 9 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 81 1,000 1,400 2,000 2,750 5,000 17 2

Installation, maintenance, and repair ................... 96 750 1,250 2,000 3,000 4,500 – –

Production, transportation, and material moving ..... 93 700 1,000 2,000 2,700 3,750 7 –

Production ............................................................ 94 550 1,000 2,000 2,700 3,400 – –

Transportation and material moving .................... 92 1,000 1,000 2,000 2,600 4,400 8 –

Full time ................................................................... 92 1,000 1,500 2,000 3,000 4,000 8 1

Part time .................................................................. 93 1,000 1,500 2,250 3,000 4,500 7 –

Union ....................................................................... 83 900 1,000 1,750 2,750 4,900 16 2

Nonunion ................................................................. 93 1,000 1,500 2,000 3,000 4,000 7 1

Average wage within the following categories3:

Lowest 25 percent ............................................... 95 1,000 1,750 2,500 3,500 5,000 – –

Second 25 percent ............................................... 93 1,000 1,500 2,000 3,000 4,000 7 1

Third 25 percent ................................................... 91 1,000 1,300 2,000 3,000 4,000 9 1

Highest 25 percent ............................................... 91 1,000 1,500 2,000 3,000 4,000 8 1

Highest 10 percent ........................................... 92 1,000 1,300 2,000 2,750 4,200 7 1

Establishment characteristics

Goods-producing industries ..................................... 93 750 1,250 2,000 2,900 3,500 7 1

Construction ......................................................... 91 1,000 1,500 2,000 3,000 4,900 – –

Manufacturing ...................................................... 93 600 1,000 2,000 2,750 3,200 – –

Service-providing industries ..................................... 91 1,000 1,500 2,000 3,000 4,250 8 1

Trade, transportation, and utilities ....................... 92 1,000 1,500 2,250 3,000 4,150 8 –

Retail trade ...................................................... 92 1,250 2,000 2,500 3,250 4,500 8 –

Financial activities ................................................ 94 1,000 1,400 1,800 2,500 3,750 3 3

Finance and insurance .................................... 93 1,000 1,400 1,750 2,000 3,000 4 3

See footnotes at end of table.
Table 14. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

determinable 10th percentile 25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 92 $1,000 $1,500 $2,000 $2,500 $3,200 – –

Insurance carriers and related activities ...... 96 1,000 1,400 1,700 2,000 2,950 – –

Professional and business services ..................... 91 1,000 1,750 2,425 3,000 4,000 9 –

Professional and technical services ................. 94 1,250 1,650 2,500 3,000 4,200 – –

Education and health services ............................. 86 1,000 1,500 2,400 3,050 5,000 13 1

Educational services ........................................ 85 750 1,000 1,750 2,500 3,850 15 –

Junior colleges, colleges, and universities ... 83 850 1,000 1,750 2,250 3,000 17 –

Health care and social assistance ................... 86 1,000 1,500 2,400 3,050 5,000 12 1

1 to 99 workers ........................................................ 92 1,000 1,500 2,000 3,000 4,325 8 2 ( )

1 to 49 workers .................................................... 92 1,000 1,500 2,000 3,000 4,000 8 2 ( )

50 to 99 workers .................................................. 93 1,000 1,500 2,250 3,000 5,000 7 2 ( )

100 workers or more ................................................ 91 1,000 1,500 2,000 2,750 4,000 8 1

100 to 499 workers .............................................. 92 1,000 1,500 2,000 3,000 4,200 8 1

500 workers or more ............................................ 91 1,000 1,500 2,000 2,700 4,000 8 1

Geographic areas

Northeast ................................................................. 78 1,000 1,500 2,000 3,000 4,500 21 1

New England ....................................................... 82 1,000 1,500 2,000 3,500 4,500 18 –

Middle Atlantic ..................................................... 76 1,000 1,500 2,000 2,900 3,800 22 2

South ....................................................................... 95 1,000 1,550 2,200 3,000 4,000 4 2 ( )

South Atlantic ....................................................... 93 1,000 1,650 2,150 3,000 4,000 7 2 ( )

West South Central .............................................. 97 1,100 1,650 2,250 3,200 4,250 – –

Midwest .................................................................... 94 750 1,100 2,000 2,800 4,000 6 2 ( )

East North Central ............................................... 94 1,000 1,250 2,000 3,000 4,300 6 2 ( )

West North Central .............................................. 95 600 1,000 2,000 2,500 3,250 – –

West ......................................................................... 95 1,000 1,500 2,000 3,000 4,200 – –

Mountain .............................................................. 92 1,000 1,500 2,000 3,000 4,150 – –

Pacific .................................................................. 97 1,000 1,500 2,000 2,800 4,200 3 2 ( )

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.5. 3 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 14. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2014

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

determinable 10th percentile 25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.9 $0 $0 $0 $0 $274 0.9 0.3

Management, professional, and related .................. 1.0 0 0 0 255 281 1.0 0.4

Management, business, and financial ................. 2.1 0 212 134 231 399 2.0 0.4

Professional and related ...................................... 1.1 0 0 0 107 299 1.0 0.7

Service ..................................................................... 2.3 0 202 41 784 323 2.3 –

Sales and office ....................................................... 1.5 0 104 35 164 264 1.3 0.7

Sales and related ................................................. 2.7 0 94 169 254 252 – –

Office and administrative support ........................ 1.5 0 29 274 52 336 1.4 0.7

Natural resources, construction, and maintenance 1.9 124 284 0 71 464 1.8 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.1 129 247 313 308 873 3.7 1.4

Installation, maintenance, and repair ................... 1.2 141 283 95 0 468 – –

Production, transportation, and material moving ..... 1.5 144 125 18 132 354 1.5 –

Production ............................................................ 2.2 77 71 32 142 339 – –

Transportation and material moving .................... 1.8 33 275 47 197 185 1.8 –

Full time ................................................................... 0.9 0 18 0 0 252 0.9 0.3

Part time .................................................................. 2.0 0 204 74 220 129 2.0 –

Union ....................................................................... 2.3 181 221 200 323 801 2.7 1.3

Nonunion ................................................................. 0.9 0 0 0 0 135 0.8 0.3

Average wage within the following categories2:

Lowest 25 percent ............................................... 1.7 0 202 0 454 673 – –

Second 25 percent ............................................... 1.1 0 0 41 0 254 1.0 0.4

Third 25 percent ................................................... 1.6 0 198 0 95 137 1.6 0.3

Highest 25 percent ............................................... 1.1 0 76 0 270 265 1.1 0.4

Highest 10 percent ........................................... 1.1 78 190 36 251 453 1.1 0.5

Establishment characteristics

Goods-producing industries ..................................... 1.8 143 78 0 236 325 1.8 0.3

Construction ......................................................... 2.1 27 69 63 720 598 – –

Manufacturing ...................................................... 2.6 40 182 36 207 247 – –

Service-providing industries ..................................... 1.0 0 0 9 0 222 1.0 0.4

Trade, transportation, and utilities ....................... 1.3 0 0 100 0 262 1.3 –

Retail trade ...................................................... 2.3 221 248 0 187 281 2.3 –

Financial activities ................................................ 2.6 0 115 130 187 387 0.9 2.5

Finance and insurance .................................... 2.9 0 111 77 56 47 1.0 2.9

See footnotes at end of table.
Table 14. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2014—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

determinable 10th percentile 25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 5.9 $20 $0 $0 $135 $162 – –

Insurance carriers and related activities ...... 1.9 105 97 9 95 119 – –

Professional and business services ..................... 2.4 279 97 245 0 292 2.4 –

Professional and technical services ................. 1.8 242 138 227 82 748 – –

Education and health services ............................. 2.0 0 143 378 42 82 2.3 0.9

Educational services ........................................ 3.8 63 0 281 381 771 3.8 –

Junior colleges, colleges, and universities ... 3.2 165 52 243 387 768 3.2 –

Health care and social assistance ................... 2.3 0 9 143 800 47 2.8 1.0

1 to 99 workers ........................................................ 1.2 0 0 90 0 426 1.2 0.2

1 to 49 workers .................................................... 1.5 0 175 63 0 449 1.5 0.3

50 to 99 workers .................................................. 1.8 0 229 351 222 581 1.7 0.3

100 workers or more ................................................ 1.1 0 41 0 136 235 1.1 0.5

100 to 499 workers .............................................. 1.6 0 71 75 38 236 1.5 0.7

500 workers or more ............................................ 1.7 120 163 0 60 216 1.8 0.7

Geographic areas

Northeast ................................................................. 3.5 0 111 0 76 377 3.7 0.9

New England ....................................................... 3.4 234 18 269 384 388 3.4 –

Middle Atlantic ..................................................... 4.4 46 259 116 278 431 4.5 1.1

South ....................................................................... 0.8 0 108 184 0 242 0.7 0.2

South Atlantic ....................................................... 1.2 119 109 162 0 118 1.2 0.1

West South Central .............................................. 1.1 201 232 181 367 811 – –

Midwest .................................................................... 1.0 189 186 0 212 353 1.0 0.1

East North Central ............................................... 1.2 136 122 175 18 351 1.2 0.1

West North Central .............................................. 1.8 144 16 176 132 444 – –

West ......................................................................... 1.6 0 244 0 293 409 – –

Mountain .............................................................. 4.2 0 308 145 112 1,061 – –

Pacific .................................................................. 0.7 187 297 0 411 481 0.7 0.2

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 15. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2014

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 90 $2,000 $3,000 $4,500 $6,000 $8,500 10 1

Management, professional, and related .................. 91 2,000 3,000 4,400 6,000 8,200 8 1

Management, business, and financial ................. 90 2,000 3,000 4,000 6,000 8,000 9 2 ( )

Professional and related ...................................... 91 2,000 3,000 4,500 6,000 8,200 8 1

Service ..................................................................... 84 1,650 3,000 5,000 7,500 12,700 16 –

Sales and office ....................................................... 91 2,000 3,250 4,500 6,000 8,400 8 1

Sales and related ................................................. 92 2,300 4,000 5,000 6,500 9,600 – –

Office and administrative support ........................ 91 2,000 3,000 4,200 6,000 8,000 8 1

Natural resources, construction, and maintenance 86 2,000 3,000 4,500 6,500 10,000 13 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 72 2,000 3,000 5,000 6,000 10,500 26 2

Installation, maintenance, and repair ................... 95 – 2,800 4,500 6,750 9,700 – –

Production, transportation, and material moving ..... 90 1,500 2,500 4,400 6,000 8,200 10 –

Production ............................................................ 93 1,200 2,250 4,000 5,500 7,500 – –

Transportation and material moving .................... 87 1,800 2,600 4,700 6,000 9,000 13 –

Full time ................................................................... 90 2,000 3,000 4,500 6,000 8,500 9 1

Part time .................................................................. 90 2,200 3,300 5,000 6,000 10,000 10 –

Union ....................................................................... 78 – 2,500 4,250 6,000 11,500 20 2

Nonunion ................................................................. 91 2,000 3,000 4,500 6,000 8,400 8 1

Average wage within the following categories3:

Lowest 25 percent ............................................... 93 2,000 3,750 5,000 6,500 10,900 – –

Second 25 percent ............................................... 91 2,000 3,000 4,500 6,000 8,200 8 1

Third 25 percent ................................................... 88 2,000 3,000 4,500 6,000 8,200 11 1

Highest 25 percent ............................................... 89 2,000 3,000 4,300 6,000 8,500 10 1

Highest 10 percent ........................................... 91 2,000 3,000 4,250 6,000 – 8 1

Establishment characteristics

Goods-producing industries ..................................... 91 1,500 3,000 4,500 6,000 9,000 9 1

Construction ......................................................... 86 2,000 3,400 5,000 7,500 10,000 – –

Manufacturing ...................................................... 92 1,200 2,600 4,000 5,900 7,500 – –

Service-providing industries ..................................... 90 2,000 3,000 4,500 6,000 8,500 10 1

Trade, transportation, and utilities ....................... 89 2,000 3,000 5,000 6,000 8,700 11 –

Retail trade ...................................................... 93 3,000 4,500 5,000 6,500 9,000 – –

Financial activities ................................................ 92 2,000 3,000 4,000 5,000 7,000 5 3

Finance and insurance .................................... 92 2,000 3,000 4,000 4,500 6,000 5 3

See footnotes at end of table.
Table 15. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 91 $2,000 $3,000 $4,000 $5,000 $6,500 – –

Insurance carriers and related activities ...... 93 2,000 2,500 4,000 4,400 5,600 – –

Professional and business services ..................... 91 2,500 3,600 5,000 6,000 8,000 9 –

Professional and technical services ................. 93 2,700 4,000 5,000 6,000 8,400 – –

Education and health services ............................. 86 2,000 3,000 4,500 6,100 9,500 13 1

Educational services ........................................ 84 – 3,000 3,500 5,000 8,000 16 –

Junior colleges, colleges, and universities ... 83 2,000 2,550 3,500 5,000 6,000 17 –

Health care and social assistance ................... 86 2,000 3,000 5,000 6,100 10,000 13 1

1 to 99 workers ........................................................ 91 2,000 3,000 4,500 6,000 8,700 9 2 ( )

1 to 49 workers .................................................... 91 2,000 3,000 4,200 6,000 8,000 9 2 ( )

50 to 99 workers .................................................. 91 2,000 3,500 5,000 6,700 10,000 9 2 ( )

100 workers or more ................................................ 89 2,000 3,000 4,500 6,000 8,400 10 1

100 to 499 workers .............................................. 89 2,000 3,000 4,500 6,000 9,000 10 1

500 workers or more ............................................ 90 2,000 3,000 4,000 6,000 8,200 10 1

Geographic areas

Northeast ................................................................. 76 2,400 3,000 4,500 6,000 9,000 23 1

New England ....................................................... 82 2,500 3,000 4,500 7,000 12,700 18 –

Middle Atlantic ..................................................... 74 2,250 3,000 4,000 6,000 9,000 24 2

South ....................................................................... 93 2,200 3,500 5,000 6,000 9,000 6 2 ( )

South Atlantic ....................................................... 91 2,200 3,500 5,000 6,000 9,000 9 2 ( )

West South Central .............................................. 96 2,500 3,600 5,000 7,000 9,700 – –

Midwest .................................................................... 93 1,500 2,600 4,000 5,500 7,500 7 2 ( )

East North Central ............................................... 92 1,500 2,850 4,000 6,000 8,000 8 2 ( )

West North Central .............................................. 95 1,200 2,500 4,000 5,200 6,750 – –

West ......................................................................... 92 2,000 3,000 4,500 6,000 9,000 – –

Mountain .............................................................. 92 2,000 2,600 5,000 6,500 9,700 – –

Pacific .................................................................. 93 2,000 3,000 4,250 6,000 – 7 2 ( )

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.5. 3 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 15. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2014

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.0 $0 $0 $0 $0 $563 1.0 0.3

Management, professional, and related .................. 0.9 0 0 355 0 366 0.9 0.4

Management, business, and financial ................. 1.9 0 0 158 116 688 1.9 0.4

Professional and related ...................................... 1.1 97 36 225 0 341 1.0 0.7

Service ..................................................................... 3.1 472 313 223 725 1,482 3.1 –

Sales and office ....................................................... 1.5 262 255 66 0 444 1.4 0.7

Sales and related ................................................. 2.7 443 383 157 576 1,229 – –

Office and administrative support ........................ 1.5 219 282 457 505 477 1.4 0.7

Natural resources, construction, and maintenance 2.4 135 365 167 704 714 2.5 0.6

Construction, extraction, farming, fishing, and

forestry ............................................................... 5.6 69 549 254 1,227 799 5.7 1.4

Installation, maintenance, and repair ................... 1.3 – 483 520 659 817 – –

Production, transportation, and material moving ..... 2.0 112 438 408 257 407 2.0 –

Production ............................................................ 2.2 200 427 106 460 158 – –

Transportation and material moving .................... 3.1 461 596 424 120 930 3.1 –

Full time ................................................................... 0.9 0 0 32 0 480 0.9 0.3

Part time .................................................................. 2.8 303 379 0 584 1,384 2.8 –

Union ....................................................................... 2.6 – 223 737 352 1,379 3.0 1.3

Nonunion ................................................................. 0.9 0 0 0 0 338 0.9 0.3

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.6 144 722 18 431 1,565 – –

Second 25 percent ............................................... 1.2 0 52 398 61 659 1.2 0.4

Third 25 percent ................................................... 1.8 243 0 202 0 601 1.8 0.3

Highest 25 percent ............................................... 1.0 0 0 342 0 574 1.0 0.4

Highest 10 percent ........................................... 1.0 63 0 363 0 – 1.0 0.5

Establishment characteristics

Goods-producing industries ..................................... 1.9 0 533 549 0 609 1.8 0.3

Construction ......................................................... 2.9 0 203 397 627 725 – –

Manufacturing ...................................................... 2.6 158 562 0 233 591 – –

Service-providing industries ..................................... 1.1 0 0 18 0 416 1.1 0.4

Trade, transportation, and utilities ....................... 1.8 0 66 364 31 617 1.8 –

Retail trade ...................................................... 2.2 378 426 26 205 745 – –

Financial activities ................................................ 2.6 0 0 0 264 725 1.1 2.5

Finance and insurance .................................... 3.0 0 0 0 74 351 1.2 2.9

See footnotes at end of table.
Table 15. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2014—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 5.9 $234 $292 $0 $140 $390 – –

Insurance carriers and related activities ...... 2.3 347 583 104 302 204 – –

Professional and business services ..................... 2.0 386 394 464 143 942 2.0 –

Professional and technical services ................. 2.0 457 353 278 551 911 – –

Education and health services ............................. 2.0 97 0 566 243 1,468 2.3 0.9

Educational services ........................................ 3.7 – 802 500 362 1,213 3.7 –

Junior colleges, colleges, and universities ... 3.3 0 605 389 378 0 3.3 –

Health care and social assistance ................... 2.3 99 0 359 574 1,839 2.8 1.0

1 to 99 workers ........................................................ 1.3 0 0 111 26 597 1.3 0.2

1 to 49 workers .................................................... 1.6 173 0 382 0 414 1.6 0.3

50 to 99 workers .................................................. 2.0 424 431 145 640 1,269 1.9 0.3

100 workers or more ................................................ 1.1 0 0 0 0 668 1.1 0.5

100 to 499 workers .............................................. 1.6 0 0 152 108 517 1.5 0.7

500 workers or more ............................................ 2.0 400 0 431 405 313 2.1 0.7

Geographic areas

Northeast ................................................................. 3.6 192 0 477 0 912 3.7 0.9

New England ....................................................... 3.5 112 570 192 624 3,107 3.5 –

Middle Atlantic ..................................................... 4.5 357 0 473 101 1,604 4.5 1.1

South ....................................................................... 1.2 291 149 380 293 814 1.2 0.2

South Atlantic ....................................................... 1.9 451 138 604 0 420 1.9 0.1

West South Central .............................................. 1.6 553 458 368 938 561 – –

Midwest .................................................................... 1.3 111 484 0 532 398 1.3 0.1

East North Central ............................................... 1.8 306 585 331 330 553 1.8 0.1

West North Central .............................................. 1.2 286 520 66 90 709 – –

West ......................................................................... 1.8 50 449 448 144 850 – –

Mountain .............................................................. 4.1 0 497 350 987 1,592 – –

Pacific .................................................................. 1.6 136 175 476 46 – 1.6 0.2

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 16. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2014

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 49 51 – 21 79 – 87 13 –

Management, professional, and related .................. 49 51 – 18 82 – 87 13 –

Management, business, and financial ................. 40 60 – 22 78 – 86 14 –

Professional and related ...................................... 54 46 – 15 85 – 87 13 –

Service ..................................................................... 36 64 – – – – 96 – –

Sales and office ....................................................... 59 41 – 33 67 – 85 15 –

Sales and related ................................................. 62 38 – 39 61 – 94 – –

Office and administrative support ........................ 58 42 – 30 70 – 81 19 –

Natural resources, construction, and maintenance 34 66 – 26 74 – 91 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 98 – –

Installation, maintenance, and repair ................... 30 70 – 24 76 – 88 – –

Production, transportation, and material moving ..... 59 41 – 38 62 – 79 – –

Production ............................................................ 57 43 – – 68 – 66 34 –

Transportation and material moving .................... 61 – – 43 57 – 90 – –

Full time ................................................................... 49 51 – 22 78 – 87 13 –

Part time .................................................................. 45 55 – – 86 – 95 – –

Union ....................................................................... 39 61 – 15 85 – 79 21 –

Nonunion ................................................................. 50 50 – 23 77 – 89 11 –

Average wage within the following categories1:

Lowest 25 percent ............................................... – 59 – – 81 – 96 – –

Second 25 percent ............................................... 49 51 – 21 79 – 86 14 –

Third 25 percent ................................................... 53 47 – 23 77 – 88 12 –

Highest 25 percent ............................................... 47 53 – 21 79 – 85 15 –

Highest 10 percent ........................................... 45 55 – 24 76 – 87 13 –

Establishment characteristics

Goods-producing industries ..................................... 51 49 – 29 71 – 79 21 –

Construction ......................................................... – – – – – – 100 – –

Manufacturing ...................................................... 63 37 – 35 65 – 69 31 –

Service-providing industries ..................................... 48 52 – 20 80 – 89 11 –

Trade, transportation, and utilities ....................... 56 44 – 44 56 – 96 – –

Retail trade ...................................................... 45 55 – 31 69 – 96 – –

Financial activities ................................................ 39 61 – 29 71 – 91 9 –

Finance and insurance .................................... 59 41 – 41 59 – 85 15 –

See footnotes at end of table.
Table 16. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2014—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 66 34 – 44 56 – 86 – –

Insurance carriers and related activities ...... 53 47 – – 62 – 84 – –

Professional and business services ..................... 50 50 – – 79 – 88 – –

Professional and technical services ................. 47 53 – – 79 – 89 – –

Education and health services ............................. 48 52 – – 91 – 84 16 –

Educational services ........................................ 53 47 – 16 84 – 64 36 –

Junior colleges, colleges, and universities ... 41 59 – 10 90 – 59 41 –

Health care and social assistance ................... 47 53 – – 92 – 88 – –

1 to 99 workers ........................................................ 48 52 – 20 80 – 94 – –

1 to 49 workers .................................................... 47 53 – 20 80 – 93 – –

50 to 99 workers .................................................. 54 46 – – 81 – 96 – –

100 workers or more ................................................ 49 51 – 23 77 – 80 20 –

100 to 499 workers .............................................. 52 48 – 29 71 – 89 11 –

500 workers or more ............................................ 44 56 – 16 84 – 68 32 –

Geographic areas

Northeast ................................................................. 57 43 – 15 85 – 82 18 –

New England ....................................................... 69 – – – 91 – 79 – –

Middle Atlantic ..................................................... 52 48 – 18 82 – 84 16 –

South ....................................................................... 58 42 – 21 79 – 87 – –

South Atlantic ....................................................... 59 41 – 22 78 – 90 – –

West South Central .............................................. – 57 – – 83 – 79 – –

Midwest .................................................................... 53 47 – 38 62 – 76 24 –

East North Central ............................................... 51 49 – – 63 – 77 – –

West North Central .............................................. 57 43 – – 61 – 73 – –

West ......................................................................... 37 63 – 20 80 – 94 6 –

Mountain .............................................................. – 65 – – 79 – 96 – –

Pacific .................................................................. 38 62 – 20 80 – 93 – –

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 16. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,

National Compensation Survey, 2014

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 3.7 3.7 – 2.5 2.5 – 1.8 1.8 –

Management, professional, and related .................. 6.2 6.2 – 3.7 3.7 – 2.7 2.7 –

Management, business, and financial ................. 6.3 6.3 – 5.8 5.8 – 4.2 4.2 –

Professional and related ...................................... 7.9 7.9 – 4.0 4.0 – 3.3 3.3 –

Service ..................................................................... 10.7 10.7 – – – – 1.9 – –

Sales and office ....................................................... 3.7 3.7 – 4.9 4.9 – 3.9 3.9 –

Sales and related ................................................. 7.3 7.3 – 6.4 6.4 – 2.7 – –

Office and administrative support ........................ 4.0 4.0 – 5.7 5.7 – 5.0 5.0 –

Natural resources, construction, and maintenance 5.8 5.8 – 5.4 5.4 – 3.3 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 1.8 – –

Installation, maintenance, and repair ................... 7.4 7.4 – 7.2 7.2 – 4.9 – –

Production, transportation, and material moving ..... 8.2 8.2 – 7.5 7.5 – 6.5 – –

Production ............................................................ 7.0 7.0 – – 9.8 – 9.0 9.0 –

Transportation and material moving .................... 15.0 – – 12.3 12.3 – 4.9 – –

Full time ................................................................... 3.8 3.8 – 2.5 2.5 – 1.9 1.9 –

Part time .................................................................. 8.7 8.7 – – 5.1 – 2.4 – –

Union ....................................................................... 9.1 9.1 – 3.8 3.8 – 5.7 5.7 –

Nonunion ................................................................. 3.9 3.9 – 2.7 2.7 – 1.7 1.7 –

Average wage within the following categories1:

Lowest 25 percent ............................................... – 13.7 – – 7.6 – 2.8 – –

Second 25 percent ............................................... 6.3 6.3 – 4.4 4.4 – 3.9 3.9 –

Third 25 percent ................................................... 5.9 5.9 – 3.8 3.8 – 3.4 3.4 –

Highest 25 percent ............................................... 5.1 5.1 – 3.9 3.9 – 2.5 2.5 –

Highest 10 percent ........................................... 6.1 6.1 – 5.0 5.0 – 2.8 2.8 –

Establishment characteristics

Goods-producing industries ..................................... 4.4 4.4 – 5.4 5.4 – 5.4 5.4 –

Construction ......................................................... – – – – – – 2 () – –

Manufacturing ...................................................... 4.8 4.8 – 6.9 6.9 – 7.4 7.4 –

Service-providing industries ..................................... 4.4 4.4 – 2.7 2.7 – 1.8 1.8 –

Trade, transportation, and utilities ....................... 6.4 6.4 – 5.3 5.3 – 2.1 – –

Retail trade ...................................................... 12.3 12.3 – 8.1 8.1 – 3.1 – –

Financial activities ................................................ 8.8 8.8 – 7.0 7.0 – 1.7 1.7 –

Finance and insurance .................................... 6.2 6.2 – 5.8 5.8 – 2.9 2.9 –

See footnotes at end of table.
Table 16. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,

National Compensation Survey, 2014—continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 7.1 7.1 – 5.5 5.5 – 6.5 – –

Insurance carriers and related activities ...... 9.4 9.4 – – 12.1 – 6.2 – –

Professional and business services ..................... 7.4 7.4 – – 8.2 – 4.4 – –

Professional and technical services ................. 9.9 9.9 – – 9.9 – 5.0 – –

Education and health services ............................. 8.6 8.6 – – 3.2 – 4.7 4.7 –

Educational services ........................................ 8.7 8.7 – 4.2 4.2 – 10.7 10.7 –

Junior colleges, colleges, and universities ... 6.0 6.0 – 2.2 2.2 – 7.3 7.3 –

Health care and social assistance ................... 10.1 10.1 – – 3.5 – 4.8 – –

1 to 99 workers ........................................................ 5.5 5.5 – 3.1 3.1 – 2.1 – –

1 to 49 workers .................................................... 6.2 6.2 – 3.8 3.8 – 2.4 – –

50 to 99 workers .................................................. 9.1 9.1 – – 6.0 – 2.1 – –

100 workers or more ................................................ 4.8 4.8 – 3.6 3.6 – 3.1 3.1 –

100 to 499 workers .............................................. 7.5 7.5 – 5.9 5.9 – 3.0 3.0 –

500 workers or more ............................................ 6.6 6.6 – 3.4 3.4 – 5.2 5.2 –

Geographic areas

Northeast ................................................................. 5.2 5.2 – 3.3 3.3 – 4.4 4.4 –

New England ....................................................... 13.7 – – – 7.9 – 10.3 – –

Middle Atlantic ..................................................... 3.1 3.1 – 3.3 3.3 – 4.9 4.9 –

South ....................................................................... 7.9 7.9 – 4.8 4.8 – 3.9 – –

South Atlantic ....................................................... 9.4 9.4 – 6.2 6.2 – 4.0 – –

West South Central .............................................. – 16.2 – – 8.9 – 12.1 – –

Midwest .................................................................... 7.5 7.5 – 9.4 9.4 – 7.0 7.0 –

East North Central ............................................... 9.9 9.9 – – 12.3 – 6.8 – –

West North Central .............................................. 11.4 11.4 – – 13.9 – 16.3 – –

West ......................................................................... 5.7 5.7 – 3.4 3.4 – 1.9 1.9 –

Mountain .............................................................. – 12.4 – – 8.2 – 1.9 – –

Pacific .................................................................. 6.0 6.0 – 3.5 3.5 – 2.7 – –

1 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 2014." 2 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 17. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2014

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 87 $1,500 $1,500 $2,000 $3,000 $3,500 13 –

Management, professional, and related .................. 87 1,250 1,500 1,800 2,500 3,000 13 –

Management, business, and financial ................. 86 1,200 1,500 1,900 2,500 3,300 14 –

Professional and related ...................................... 87 1,400 1,500 1,500 2,700 3,000 13 –

Service ..................................................................... 96 1,500 2,000 2,500 3,000 3,500 – –

Sales and office ....................................................... 85 1,250 1,500 2,000 2,600 3,500 15 –

Sales and related ................................................. 94 1,500 1,500 1,725 2,500 4,000 – –

Office and administrative support ........................ 81 1,250 1,500 2,000 3,000 3,500 19 –

Natural resources, construction, and maintenance 91 1,500 1,500 1,500 3,300 3,500 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 98 1,000 1,500 3,300 3,500 4,000 – –

Installation, maintenance, and repair ................... 88 1,500 1,500 1,500 2,500 3,000 – –

Production, transportation, and material moving ..... 79 1,400 1,700 2,350 5,000 5,000 – –

Production ............................................................ 66 1,000 1,500 2,000 2,350 3,500 34 –

Transportation and material moving .................... 90 1,500 2,000 2,600 5,000 5,000 – –

Full time ................................................................... 87 1,400 1,500 2,000 3,000 3,500 13 –

Part time .................................................................. 95 1,500 1,500 2,350 3,000 3,000 – –

Union ....................................................................... 79 1,400 1,500 1,500 2,000 4,400 21 –

Nonunion ................................................................. 89 1,500 1,500 2,000 3,000 3,500 11 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 96 1,500 1,700 2,500 3,500 3,500 – –

Second 25 percent ............................................... 86 1,500 1,500 2,500 3,000 5,000 14 –

Third 25 percent ................................................... 88 1,400 1,500 2,000 2,900 3,750 12 –

Highest 25 percent ............................................... 85 1,200 1,500 1,800 2,500 3,300 15 –

Highest 10 percent ........................................... 87 650 1,500 1,800 2,500 3,000 13 –

Establishment characteristics

Goods-producing industries ..................................... 79 1,000 1,500 2,000 3,300 4,000 21 –

Construction ......................................................... 100 1,500 1,500 3,000 3,500 4,000 – –

Manufacturing ...................................................... 69 1,400 1,500 2,000 2,350 3,500 31 –

Service-providing industries ..................................... 89 1,500 1,500 2,000 3,000 3,500 11 –

Trade, transportation, and utilities ....................... 96 1,500 1,500 2,000 2,500 3,000 – –

Retail trade ...................................................... 96 1,500 1,500 1,800 2,500 4,000 – –

Financial activities ................................................ 91 1,150 1,500 2,000 4,000 5,000 9 –

Finance and insurance .................................... 85 1,100 1,500 2,000 2,500 4,000 15 –

See footnotes at end of table.
Table 17. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2014—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 86 $1,000 $1,150 $1,500 $2,200 $4,000 – –

Insurance carriers and related activities ...... 84 1,250 1,500 2,000 2,200 5,000 – –

Professional and business services ..................... 88 1,500 1,700 2,500 3,000 3,000 – –

Professional and technical services ................. 89 1,500 1,700 2,000 3,000 3,000 – –

Education and health services ............................. 84 1,500 1,500 2,250 3,000 3,500 16 –

Educational services ........................................ 64 1,000 1,250 1,500 2,000 3,000 36 –

Junior colleges, colleges, and universities ... 59 1,000 1,500 1,900 2,500 3,500 41 –

Health care and social assistance ................... 88 1,500 1,500 2,500 3,000 3,500 – –

1 to 99 workers ........................................................ 94 1,500 1,500 2,500 3,000 4,000 – –

1 to 49 workers .................................................... 93 1,500 1,500 2,500 3,000 4,000 – –

50 to 99 workers .................................................. 96 1,500 1,500 2,350 3,300 3,750 – –

100 workers or more ................................................ 80 1,250 1,500 1,500 2,350 3,000 20 –

100 to 499 workers .............................................. 89 1,400 1,500 1,500 2,350 3,000 11 –

500 workers or more ............................................ 68 650 1,500 1,500 2,250 3,500 32 –

Geographic areas

Northeast ................................................................. 82 1,500 1,500 2,500 3,000 3,500 18 –

New England ....................................................... 79 1,500 1,500 2,400 3,350 4,000 – –

Middle Atlantic ..................................................... 84 1,500 1,500 2,500 3,000 3,500 16 –

South ....................................................................... 87 1,400 1,500 2,000 3,000 3,750 – –

South Atlantic ....................................................... 90 1,500 1,500 2,000 3,000 3,500 – –

West South Central .............................................. 79 650 1,500 2,000 5,000 5,000 – –

Midwest .................................................................... 76 1,500 1,500 2,000 2,700 4,000 24 –

East North Central ............................................... 77 1,500 1,500 2,000 2,700 3,500 – –

West North Central .............................................. 73 1,500 1,900 2,500 3,000 5,000 – –

West ......................................................................... 94 1,400 1,500 2,000 3,000 3,500 6 –

Mountain .............................................................. 96 1,500 2,000 3,000 3,500 4,000 – –

Pacific .................................................................. 93 1,250 1,500 1,500 2,200 3,000 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 17. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

private industry workers, National Compensation Survey, 2014

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.8 $140 $0 $36 $61 $258 1.8 –

Management, professional, and related .................. 2.7 184 0 337 583 439 2.7 –

Management, business, and financial ................. 4.2 149 0 124 288 316 4.2 –

Professional and related ...................................... 3.3 199 0 466 565 223 3.3 –

Service ..................................................................... 1.9 0 449 502 591 91 – –

Sales and office ....................................................... 3.9 286 0 0 247 701 3.9 –

Sales and related ................................................. 2.7 191 0 396 66 3,650 – –

Office and administrative support ........................ 5.0 192 0 0 315 569 5.0 –

Natural resources, construction, and maintenance 3.3 77 0 785 438 652 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.8 591 365 406 0 129 – –

Installation, maintenance, and repair ................... 4.9 0 0 91 205 358 – –

Production, transportation, and material moving ..... 6.5 143 356 266 1,207 979 – –

Production ............................................................ 9.0 456 0 543 269 619 9.0 –

Transportation and material moving .................... 4.9 117 212 2,710 0 1,392 – –

Full time ................................................................... 1.9 108 0 0 58 313 1.9 –

Part time .................................................................. 2.4 0 0 956 455 2,843 – –

Union ....................................................................... 5.7 63 26 223 441 1,744 5.7 –

Nonunion ................................................................. 1.7 94 0 340 0 209 1.7 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.8 26 439 791 447 1,649 – –

Second 25 percent ............................................... 3.9 0 497 421 0 1,284 3.9 –

Third 25 percent ................................................... 3.4 122 0 223 576 319 3.4 –

Highest 25 percent ............................................... 2.5 246 0 255 292 435 2.5 –

Highest 10 percent ........................................... 2.8 519 0 221 80 71 2.8 –

Establishment characteristics

Goods-producing industries ..................................... 5.4 425 0 269 328 182 5.4 –

Construction ......................................................... 3 ( ) 18 0 1,017 39 0 – –

Manufacturing ...................................................... 7.4 443 0 285 26 785 7.4 –

Service-providing industries ..................................... 1.8 93 0 104 91 199 1.8 –

Trade, transportation, and utilities ....................... 2.1 0 0 0 66 1,563 – –

Retail trade ...................................................... 3.1 0 0 468 100 3,710 – –

Financial activities ................................................ 1.7 47 0 250 2,338 947 1.7 –

Finance and insurance .................................... 2.9 0 211 150 447 1,036 2.9 –

See footnotes at end of table.
Table 17. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

private industry workers, National Compensation Survey, 2014—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 6.5 $129 $114 $555 $456 $1,818 – –

Insurance carriers and related activities ...... 6.2 341 289 61 617 2,634 – –

Professional and business services ..................... 4.4 0 341 0 0 0 – –

Professional and technical services ................. 5.0 0 345 398 396 0 – –

Education and health services ............................. 4.7 112 0 542 0 644 4.7 –

Educational services ........................................ 10.7 283 377 0 476 122 10.7 –

Junior colleges, colleges, and universities ... 7.3 473 0 502 594 707 7.3 –

Health care and social assistance ................... 4.8 0 73 584 0 568 – –

1 to 99 workers ........................................................ 2.1 0 155 113 440 938 – –

1 to 49 workers .................................................... 2.4 0 374 182 472 1,372 – –

50 to 99 workers .................................................. 2.1 0 0 346 504 668 – –

100 workers or more ................................................ 3.1 191 0 337 217 0 3.1 –

100 to 499 workers .............................................. 3.0 63 0 332 226 0 3.0 –

500 workers or more ............................................ 5.2 343 82 579 378 754 5.2 –

Geographic areas

Northeast ................................................................. 4.4 71 294 430 55 548 4.4 –

New England ....................................................... 10.3 0 394 598 422 1,275 – –

Middle Atlantic ..................................................... 4.9 203 391 491 109 731 4.9 –

South ....................................................................... 3.9 254 0 260 318 1,622 – –

South Atlantic ....................................................... 4.0 88 91 452 77 282 – –

West South Central .............................................. 12.1 785 565 2,561 1,565 0 – –

Midwest .................................................................... 7.0 0 0 393 224 1,268 7.0 –

East North Central ............................................... 6.8 0 0 537 241 602 – –

West North Central .............................................. 16.3 0 467 603 664 2,077 – –

West ......................................................................... 1.9 101 0 195 604 164 1.9 –

Mountain .............................................................. 1.9 184 607 408 204 1,617 – –

Pacific .................................................................. 2.7 209 0 55 316 327 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses

are fully reimbursed for the rest of the year. 2 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 2014." 3 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 18. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private industry workers,

National Compensation Survey, 2014

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 85 $2,800 $3,000 $4,500 $6,000 $7,500 15 –

Management, professional, and related .................. 84 2,500 3,000 3,400 6,000 6,250 16 –

Management, business, and financial ................. 85 2,400 3,000 3,550 6,000 6,600 15 –

Professional and related ...................................... 84 2,800 3,000 – 6,000 6,000 16 –

Service ..................................................................... 96 3,000 4,000 6,000 6,000 7,000 – –

Sales and office ....................................................... 80 2,800 3,000 4,500 6,000 7,500 20 –

Sales and related ................................................. 93 3,000 3,400 4,500 5,000 – – –

Office and administrative support ........................ 75 2,500 3,000 4,500 6,000 8,000 25 –

Natural resources, construction, and maintenance 91 3,000 3,000 4,500 7,000 9,400 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 98 2,800 3,000 6,600 9,400 9,400 – –

Installation, maintenance, and repair ................... 87 3,000 3,000 – 6,000 7,500 – –

Production, transportation, and material moving ..... 75 2,800 3,550 5,000 10,000 10,000 25 –

Production ............................................................ 63 2,500 3,000 4,700 – – 37 –

Transportation and material moving .................... 85 3,000 4,000 – 10,000 12,000 – –

Full time ................................................................... 84 2,800 3,000 4,500 6,000 7,500 16 –

Part time .................................................................. 95 3,000 3,000 4,700 6,000 – – –

Union ....................................................................... 77 2,800 3,000 3,000 4,500 – 23 –

Nonunion ................................................................. 87 3,000 3,000 4,700 6,000 7,500 13 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 96 3,000 4,000 5,000 7,000 – – –

Second 25 percent ............................................... 83 3,000 4,000 6,000 6,000 10,000 17 –

Third 25 percent ................................................... 85 2,800 3,000 4,500 6,000 7,500 15 –

Highest 25 percent ............................................... 83 2,400 3,000 3,550 5,500 6,600 17 –

Highest 10 percent ........................................... 84 – 3,000 3,550 5,200 6,250 16 –

Establishment characteristics

Goods-producing industries ..................................... 79 2,400 3,000 4,000 6,600 9,400 21 –

Construction ......................................................... 100 3,000 3,000 6,600 7,000 9,400 – –

Manufacturing ...................................................... 69 2,500 3,000 4,000 4,700 – 31 –

Service-providing industries ..................................... 86 3,000 3,000 4,500 6,000 7,500 14 –

Trade, transportation, and utilities ....................... 92 3,000 – 4,500 6,000 7,500 – –

Retail trade ...................................................... 93 3,000 3,000 4,500 – – – –

Financial activities ................................................ 89 2,300 3,000 4,000 – 10,000 11 –

Finance and insurance .................................... 81 2,200 3,000 4,000 5,000 8,000 19 –

See footnotes at end of table.
Table 18. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private industry workers,

National Compensation Survey, 2014—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 85 $2,000 $2,300 – $4,400 – – –

Insurance carriers and related activities ...... 78 3,000 – $4,000 5,000 – – –

Professional and business services ..................... 78 3,000 3,400 6,000 6,000 $6,250 22 –

Professional and technical services ................. 76 3,000 3,400 5,400 6,000 6,250 – –

Education and health services ............................. 84 3,000 3,000 4,500 6,000 7,000 16 –

Educational services ........................................ 64 2,000 – 3,000 5,000 6,000 36 –

Junior colleges, colleges, and universities ... 59 – 3,000 4,000 5,100 9,000 41 –

Health care and social assistance ................... 87 3,000 3,000 5,000 6,000 7,000 – –

1 to 99 workers ........................................................ 92 3,000 3,550 6,000 6,600 8,700 8 –

1 to 49 workers .................................................... 91 3,000 4,000 6,000 6,250 9,400 9 –

50 to 99 workers .................................................. 95 3,000 3,000 5,000 7,000 7,500 – –

100 workers or more ................................................ 77 2,500 3,000 3,400 4,700 6,000 23 –

100 to 499 workers .............................................. 85 2,800 3,000 3,400 4,700 6,000 15 –

500 workers or more ............................................ 67 – 3,000 4,000 4,500 6,000 33 –

Geographic areas

Northeast ................................................................. 82 3,000 – 5,000 6,000 – 18 –

New England ....................................................... 79 3,000 – 5,000 6,700 – – –

Middle Atlantic ..................................................... 83 3,000 – 5,000 6,000 – 17 –

South ....................................................................... 84 2,800 3,000 4,500 6,000 9,400 16 –

South Atlantic ....................................................... 86 3,000 3,000 4,500 6,000 7,500 14 –

West South Central .............................................. 76 – – – 10,000 10,000 – –

Midwest .................................................................... 76 3,000 3,000 – 6,000 – 24 –

East North Central ............................................... 77 3,000 3,000 – 5,400 7,500 23 –

West North Central .............................................. 73 3,000 3,300 – 6,250 – – –

West ......................................................................... 90 2,800 3,000 4,500 6,000 7,000 10 –

Mountain .............................................................. 92 4,000 5,000 6,000 7,000 – 8 –

Pacific .................................................................. 89 2,800 3,000 3,000 4,700 6,000 11 –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 18. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private

industry workers, National Compensation Survey, 2014

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.9 $268 $0 $226 $0 $584 1.9 –

Management, professional, and related .................. 2.8 398 0 644 867 782 2.8 –

Management, business, and financial ................. 4.2 297 0 659 406 515 4.2 –

Professional and related ...................................... 3.6 332 0 – 1,304 816 3.6 –

Service ..................................................................... 1.9 258 584 1,294 1,249 137 – –

Sales and office ....................................................... 3.4 504 0 235 457 2,034 3.4 –

Sales and related ................................................. 2.9 532 875 0 182 – – –

Office and administrative support ........................ 4.4 454 0 703 0 2,104 4.4 –

Natural resources, construction, and maintenance 3.3 245 0 886 593 194 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.8 274 0 899 752 0 – –

Installation, maintenance, and repair ................... 4.9 89 0 – 618 695 – –

Production, transportation, and material moving ..... 6.7 258 736 614 2,576 2,801 6.7 –

Production ............................................................ 9.1 423 0 1,087 – – 9.1 –

Transportation and material moving .................... 5.9 473 608 – 0 2,803 – –

Full time ................................................................... 2.0 216 0 446 121 583 2.0 –

Part time .................................................................. 2.6 0 825 496 898 – – –

Union ....................................................................... 5.9 97 63 483 1,078 – 5.9 –

Nonunion ................................................................. 1.8 161 55 341 129 709 1.8 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.8 117 340 1,441 795 – – –

Second 25 percent ............................................... 3.9 0 754 791 588 1,413 3.9 –

Third 25 percent ................................................... 3.7 253 0 539 365 129 3.7 –

Highest 25 percent ............................................... 2.6 375 0 627 720 441 2.6 –

Highest 10 percent ........................................... 3.2 – 0 430 535 158 3.2 –

Establishment characteristics

Goods-producing industries ..................................... 5.4 615 0 633 497 523 5.4 –

Construction ......................................................... 3 ( ) 0 0 1,896 0 0 – –

Manufacturing ...................................................... 7.4 360 0 673 299 – 7.4 –

Service-providing industries ..................................... 2.0 141 0 370 0 683 2.0 –

Trade, transportation, and utilities ....................... 3.2 0 – 397 619 1,292 – –

Retail trade ...................................................... 4.0 0 447 506 – – – –

Financial activities ................................................ 1.8 88 0 428 – 1,964 1.8 –

Finance and insurance .................................... 3.1 0 97 258 775 1,975 3.1 –

See footnotes at end of table.
Table 18. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private

industry workers, National Compensation Survey, 2014—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 6.3 $255 $480 – $909 – – –

Insurance carriers and related activities ...... 6.7 128 – $163 1,264 – – –

Professional and business services ..................... 4.9 0 704 848 350 $0 4.9 –

Professional and technical services ................. 5.1 0 491 659 79 316 – –

Education and health services ............................. 4.8 129 0 1,164 0 1,040 4.8 –

Educational services ........................................ 10.7 588 – 0 659 0 10.7 –

Junior colleges, colleges, and universities ... 7.3 – 0 1,197 564 2,074 7.3 –

Health care and social assistance ................... 4.9 0 55 1,378 0 908 – –

1 to 99 workers ........................................................ 2.0 0 591 1,381 761 2,136 2.0 –

1 to 49 workers .................................................... 2.3 0 642 894 956 2,652 2.3 –

50 to 99 workers .................................................. 2.1 0 198 544 1,372 1,686 – –

100 workers or more ................................................ 3.2 309 0 783 299 286 3.2 –

100 to 499 workers .............................................. 3.7 82 0 706 332 343 3.7 –

500 workers or more ............................................ 5.0 – 186 880 1,224 1,048 5.0 –

Geographic areas

Northeast ................................................................. 4.4 141 – 557 199 – 4.4 –

New England ....................................................... 10.3 0 – 1,074 559 – – –

Middle Atlantic ..................................................... 4.9 316 – 710 144 – 4.9 –

South ....................................................................... 3.8 500 182 650 920 2,780 3.8 –

South Atlantic ....................................................... 3.8 287 258 1,070 268 341 3.8 –

West South Central .............................................. 12.7 – – – 2,581 0 – –

Midwest .................................................................... 7.0 0 0 – 337 – 7.0 –

East North Central ............................................... 6.8 0 0 – 556 880 6.8 –

West North Central .............................................. 16.3 0 351 – 943 – – –

West ......................................................................... 2.3 206 0 525 544 0 2.3 –

Mountain .............................................................. 2.0 931 836 880 408 – 2.0 –

Pacific .................................................................. 3.3 332 0 822 244 0 3.3 –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses are

fully reimbursed for the rest of the year. 2 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 2014." 3 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 19. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, National Compensation Survey, 2014

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs on

formulary

Brand-name

nonformulary

drugs

Mail order

drugs

Worker characteristics

All workers ............................................................... 100 98 84 85

Management, professional, and related .................. 100 98 86 83

Management, business, and financial ................. 100 100 88 86

Professional and related ...................................... 100 97 84 80

Service ..................................................................... 100 98 76 83

Sales and office ....................................................... 100 97 85 85

Sales and related ................................................. 100 96 86 83

Office and administrative support ........................ 100 98 85 86

Natural resources, construction, and maintenance 100 97 80 85

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 98 74 85

Installation, maintenance, and repair ................... 100 96 84 86

Production, transportation, and material moving ..... 100 99 84 90

Production ............................................................ 100 99 84 91

Transportation and material moving .................... 100 98 83 89

Full time ................................................................... 100 98 84 85

Part time .................................................................. 100 97 79 78

Union ....................................................................... 100 97 71 87

Nonunion ................................................................. 100 98 86 85

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 96 79 79

Second 25 percent ............................................... 100 98 88 87

Third 25 percent ................................................... 100 98 83 85

Highest 25 percent ............................................... 100 98 83 85

Highest 10 percent ........................................... 100 99 85 86

Establishment characteristics

Goods-producing industries ..................................... 100 99 83 86

Construction ......................................................... 100 99 79 81

Manufacturing ...................................................... 100 99 86 88

Service-providing industries ..................................... 100 97 84 85

Trade, transportation, and utilities ....................... 100 97 84 85

Wholesale trade ............................................... 100 97 86 77

Retail trade ...................................................... 100 96 84 80

Transportation and warehousing ..................... 100 100 86 100

Utilities ............................................................. 100 99 58 97

Information ........................................................... 100 100 91 94

Financial activities ................................................ 100 98 83 91

Finance and insurance .................................... 100 99 81 90

See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, National Compensation Survey, 2014—continued

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs on

formulary

Brand-name

nonformulary

drugs

Mail order

drugs

Credit intermediation and related activities .. 100 100 80 86

Insurance carriers and related activities ...... 100 98 85 92

Real estate and rental and leasing .................. 100 96 87 93

Professional and business services ..................... 100 97 89 81

Professional and technical services ................. 100 98 90 84

Education and health services ............................. 100 97 80 80

Educational services ........................................ 100 100 79 76

Junior colleges, colleges, and universities ... 100 100 84 90

Health care and social assistance ................... 100 96 80 81

Leisure and hospitality ......................................... 100 100 78 87

Other services ...................................................... 100 96 90 94

1 to 99 workers ........................................................ 100 97 84 81

1 to 49 workers .................................................... 100 97 84 81

50 to 99 workers .................................................. 100 98 83 82

100 workers or more ................................................ 100 98 84 88

100 to 499 workers .............................................. 100 98 85 87

500 workers or more ............................................ 100 99 83 89

Geographic areas

Northeast ................................................................. 100 99 88 86

New England ....................................................... 100 100 96 79

Middle Atlantic ..................................................... 100 99 85 88

South ....................................................................... 100 99 86 83

South Atlantic ....................................................... 100 98 84 83

East South Central ............................................... 100 100 82 88

West South Central .............................................. 100 99 92 81

Midwest .................................................................... 100 94 80 88

East North Central ............................................... 100 94 78 88

West North Central .............................................. 100 94 83 87

West ......................................................................... 100 100 81 84

Mountain .............................................................. 100 100 83 78

Pacific .................................................................. 100 100 80 87

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a

medical plan. 2 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 2014."

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, private industry workers, National Compensation Survey, 2014

Characteristics Generic

drugs

Brand-name

drugs on

formulary

Brand-name

nonformulary

drugs

Mail order

drugs

Worker characteristics

All workers ............................................................... 2 ( ) 0.4 1.2 1.1

Management, professional, and related .................. 2 ( ) 0.9 1.9 2.0

Management, business, and financial ................. 2 ( ) 0.2 1.5 2.0

Professional and related ...................................... 2 ( ) 1.4 2.9 2.7

Service ..................................................................... 2 ( ) 0.7 5.7 5.6

Sales and office ....................................................... 2 ( ) 0.6 1.4 1.3

Sales and related ................................................. 2 ( ) 0.8 2.1 2.7

Office and administrative support ........................ 2 ( ) 0.9 1.8 1.3

Natural resources, construction, and maintenance 2 ( ) 0.8 2.2 2.3

Construction, extraction, farming, fishing, and

forestry ............................................................... 2 ( ) 0.9 4.7 3.0

Installation, maintenance, and repair ................... 2 ( ) 1.1 2.2 2.8

Production, transportation, and material moving ..... 2 ( ) 0.6 2.3 1.6

Production ............................................................ 2 ( ) 0.8 2.6 1.9

Transportation and material moving .................... 2 ( ) 0.5 3.7 2.4

Full time ................................................................... 2 ( ) 0.5 1.2 1.1

Part time .................................................................. 2 ( ) 1.7 3.4 4.0

Union ....................................................................... 2 ( ) 1.1 4.1 2.2

Nonunion ................................................................. 2 ( ) 0.5 1.2 1.2

Average wage within the following categories3:

Lowest 25 percent ............................................... 2 ( ) 1.4 5.1 5.4

Second 25 percent ............................................... 2 ( ) 0.8 1.6 1.2

Third 25 percent ................................................... 2 ( ) 0.5 1.8 1.5

Highest 25 percent ............................................... 2 ( ) 0.7 1.9 1.8

Highest 10 percent ........................................... 2 ( ) 0.4 2.5 2.5

Establishment characteristics

Goods-producing industries ..................................... 2 ( ) 0.5 2.3 2.0

Construction ......................................................... 2 ( ) 0.6 2.9 3.2

Manufacturing ...................................................... 2 ( ) 0.6 2.3 2.3

Service-providing industries ..................................... 2 ( ) 0.5 1.5 1.3

Trade, transportation, and utilities ....................... 2 ( ) 0.6 1.4 2.0

Wholesale trade ............................................... 2 ( ) 0.7 3.2 3.8

Retail trade ...................................................... 2 ( ) 1.3 2.1 3.4

Transportation and warehousing ..................... 2 ( ) 2 ( ) 4.0 2 ( )

Utilities ............................................................. 2 ( ) 0.9 9.4 1.9

Information ........................................................... 2 ( ) 2 ( ) 4.5 2.1

Financial activities ................................................ 2 ( ) 0.9 2.1 2.2

Finance and insurance .................................... 2 ( ) 0.5 2.2 2.6

See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, private industry workers, National Compensation Survey,

2014—continued

Characteristics Generic

drugs

Brand-name

drugs on

formulary

Brand-name

nonformulary

drugs

Mail order

drugs

Credit intermediation and related activities .. 2 ( ) 0.1 3.0 5.0

Insurance carriers and related activities ...... 2 ( ) 1.3 2.7 2.7

Real estate and rental and leasing .................. 2 ( ) 4.2 5.6 3.8

Professional and business services ..................... 2 ( ) 1.4 2.7 2.7

Professional and technical services ................. 2 ( ) 1.1 2.3 3.6

Education and health services ............................. 2 ( ) 1.9 4.2 3.3

Educational services ........................................ 2 ( ) 0.3 6.5 6.8

Junior colleges, colleges, and universities ... 2 ( ) 0.2 2.5 2.1

Health care and social assistance ................... 2 ( ) 2.2 4.7 3.9

Leisure and hospitality ......................................... 2 ( ) 2 ( ) 9.0 9.3

Other services ...................................................... 2 ( ) 1.8 2.5 2.5

1 to 99 workers ........................................................ 2 ( ) 0.8 1.8 2.2

1 to 49 workers .................................................... 2 ( ) 1.3 2.5 3.0

50 to 99 workers .................................................. 2 ( ) 1.0 2.7 3.1

100 workers or more ................................................ 2 ( ) 0.4 1.5 1.2

100 to 499 workers .............................................. 2 ( ) 0.4 1.8 1.6

500 workers or more ............................................ 2 ( ) 0.7 2.5 1.4

Geographic areas

Northeast ................................................................. 2 ( ) 0.5 2.4 2.7

New England ....................................................... 2 ( ) 2 ( ) 1.5 8.8

Middle Atlantic ..................................................... 2 ( ) 0.7 2.9 2.4

South ....................................................................... 2 ( ) 0.3 1.6 1.5

South Atlantic ....................................................... 2 ( ) 0.6 2.7 2.2

East South Central ............................................... 2 ( ) 2 ( ) 2.8 2.2

West South Central .............................................. 2 ( ) 0.2 2.0 2.5

Midwest .................................................................... 2 ( ) 1.7 2.8 1.9

East North Central ............................................... 2 ( ) 2.3 3.6 2.8

West North Central .............................................. 2 ( ) 2.1 4.0 1.9

West ......................................................................... 2 ( ) 0.2 3.3 3.1

Mountain .............................................................. 2 ( ) 2 ( ) 7.6 6.9

Pacific .................................................................. 2 ( ) 0.2 3.2 2.7

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a

medical plan. 2 Less than 0.05. 3 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 2014."

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20142015.htm.
Table 20. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation

Survey, 2014

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs on formulary3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristics

All workers ............................................................... 78 20 2 $10 77 22 1 $30

Management, professional, and related .................. 80 18 2 10 77 22 1 30

Management, business, and financial ................. 80 19 1 10 74 25 1 30

Professional and related ...................................... 80 17 3 10 80 20 1 30

Service ..................................................................... 85 13 2 10 85 14 2 30

Sales and office ....................................................... 78 19 3 10 75 23 2 30

Sales and related ................................................. 76 19 5 10 75 22 3 30

Office and administrative support ........................ 79 19 2 10 75 23 1 30

Natural resources, construction, and maintenance 77 20 3 10 79 19 2 30

Construction, extraction, farming, fishing, and

forestry ............................................................... 76 21 2 10 79 18 2 30

Installation, maintenance, and repair ................... 77 20 3 10 79 20 1 30

Production, transportation, and material moving ..... 71 27 2 10 71 27 2 30

Production ............................................................ 62 36 2 10 63 34 2 30

Transportation and material moving .................... 81 17 2 10 80 19 1 30

Full time ................................................................... 78 20 2 10 76 23 1 30

Part time .................................................................. 84 14 2 10 84 14 2 30

Union ....................................................................... 74 24 2 10 72 26 1 20

Nonunion ................................................................. 79 19 2 10 77 21 1 30

Average wage within the following categories5:

Lowest 25 percent ............................................... 80 18 2 10 82 16 2 35

Second 25 percent ............................................... 80 17 3 10 78 20 1 30

Third 25 percent ................................................... 77 21 2 10 75 24 1 30

Highest 25 percent ............................................... 77 20 2 10 75 23 1 30

Highest 10 percent ........................................... 79 20 1 10 75 24 1 30

Establishment characteristics

Goods-producing industries ..................................... 70 28 2 10 70 27 2 30

Construction ......................................................... 79 19 3 10 80 17 3 30

Manufacturing ...................................................... 65 33 2 10 66 32 2 30

Service-providing industries ..................................... 81 17 2 10 79 20 1 30

Trade, transportation, and utilities ....................... 77 20 3 10 75 23 2 30

Wholesale trade ............................................... 80 14 5 10 82 16 2 30

Retail trade ...................................................... 77 21 1 – 76 23 1 30

Transportation and warehousing ..................... 77 21 2 10 70 28 2 30

Utilities ............................................................. 50 49 6 ( ) 10 48 51 6 ( ) 35

Information ........................................................... 80 15 6 10 74 20 6 30

Financial activities ................................................ 78 21 1 10 67 33 6 ( ) 30

Finance and insurance .................................... 76 23 1 10 60 40 6 ( ) 30

See footnotes at end of table.
Table 20. Outpatient prescription drug benefits:1

 Copayment provisions, private

industry workers, National Compensation Survey, 2014—continued

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Brand-name drugs not on formulary4

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristics

All workers ............................................................... 76 23 1 $50

Management, professional, and related .................. 75 24 1 50

Management, business, and financial ................. 71 27 1 50

Professional and related ...................................... 78 21 1 50

Service ..................................................................... 82 16 2 50

Sales and office ....................................................... 76 23 1 50

Sales and related ................................................. 77 22 1 55

Office and administrative support ........................ 76 23 1 50

Natural resources, construction, and maintenance 79 20 1 55

Construction, extraction, farming, fishing, and

forestry ............................................................... 77 22 1 60

Installation, maintenance, and repair ................... 80 19 1 50

Production, transportation, and material moving ..... 71 27 2 55

Production ............................................................ 63 34 3 55

Transportation and material moving .................... 80 19 1 50

Full time ................................................................... 75 24 1 50

Part time .................................................................. 84 14 1 50

Union ....................................................................... 67 31 2 50

Nonunion ................................................................. 77 22 1 50

Average wage within the following categories5:

Lowest 25 percent ............................................... 83 15 2 55

Second 25 percent ............................................... 78 21 1 50

Third 25 percent ................................................... 74 25 1 50

Highest 25 percent ............................................... 73 26 1 50

Highest 10 percent ........................................... 72 27 1 50

Establishment characteristics

Goods-producing industries ..................................... 69 29 2 55

Construction ......................................................... 79 21 – 55

Manufacturing ...................................................... 66 32 3 50

Service-providing industries ..................................... 78 21 1 50

Trade, transportation, and utilities ....................... 77 22 1 50

Wholesale trade ............................................... 81 19 – 60

Retail trade ...................................................... 80 20 – 50

Transportation and warehousing ..................... 70 26 4 50

Utilities ............................................................. 66 – – 50

Information ........................................................... 72 22 6 50

Financial activities ................................................ 65 35 6 ( ) 50

Finance and insurance .................................... 57 43 6 ( ) 50

See footnotes at end of table.
Table 20. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation

Survey, 2014—continued

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs on formulary3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 80 20 6 ( ) $10 61 39 6 ( ) $30

Insurance carriers and related activities ...... 69 29 2 10 62 38 6 ( ) 30

Real estate and rental and leasing .................. 88 – – 10 93 – – 35

Professional and business services ..................... 75 23 1 10 74 26 1 35

Professional and technical services ................. 79 21 – 10 75 25 – 35

Education and health services ............................. 87 10 4 10 90 9 1 30

Educational services ........................................ 90 10 6 ( ) 10 90 10 6 ( ) 25

Junior colleges, colleges, and universities ... 84 16 6 ( ) 10 84 16 6 ( ) 25

Health care and social assistance ................... 86 9 5 10 90 9 1 30

Leisure and hospitality ......................................... 91 – – 10 85 – – 30

Other services ...................................................... 86 – – 10 87 – – 30

1 to 99 workers ........................................................ 83 14 3 10 82 17 2 35

1 to 49 workers .................................................... 83 13 4 10 82 16 2 35

50 to 99 workers .................................................. 84 15 1 10 82 18 1 30

100 workers or more ................................................ 74 24 2 10 73 26 1 30

100 to 499 workers .............................................. 76 22 2 10 76 23 2 30

500 workers or more ............................................ 70 28 2 10 68 31 1 25

Geographic areas

Northeast ................................................................. 81 17 2 10 80 19 2 30

New England ....................................................... 81 17 2 10 80 18 2 30

Middle Atlantic ..................................................... 81 17 2 10 80 19 2 30

South ....................................................................... 77 21 1 10 75 24 1 35

South Atlantic ....................................................... 78 21 1 10 76 23 1 35

East South Central ............................................... 79 19 2 10 78 20 2 30

West South Central .............................................. 75 24 2 10 73 26 2 35

Midwest .................................................................... 70 25 5 10 73 26 1 30

East North Central ............................................... 70 25 5 10 74 25 1 30

West North Central .............................................. 70 25 5 10 69 29 2 30

West ......................................................................... 85 13 2 10 80 18 2 30

Mountain .............................................................. 86 – – 10 81 – – 30

Pacific .................................................................. 85 14 1 10 79 19 1 30

See footnotes at end of table.
Table 20. Outpatient prescription drug benefits:1

 Copayment provisions, private

industry workers, National Compensation Survey, 2014—continued

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Brand-name drugs not on formulary4

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 58 42 6 ( ) $50

Insurance carriers and related activities ...... 62 38 – 50

Real estate and rental and leasing .................. 94 – – 60

Professional and business services ..................... 75 24 1 55

Professional and technical services ................. 76 24 – 50

Education and health services ............................. 84 15 1 50

Educational services ........................................ 88 11 1 50

Junior colleges, colleges, and universities ... 84 14 2 45

Health care and social assistance ................... 84 15 1 50

Leisure and hospitality ......................................... 86 – – 50

Other services ...................................................... 87 – – 50

1 to 99 workers ........................................................ 83 16 1 60

1 to 49 workers .................................................... 82 17 1 60

50 to 99 workers .................................................. 84 16 6 ( ) 55

100 workers or more ................................................ 70 28 2 50

100 to 499 workers .............................................. 73 25 2 50

500 workers or more ............................................ 65 33 2 50

Geographic areas

Northeast ................................................................. 76 24 1 50

New England ....................................................... 80 19 1 50

Middle Atlantic ..................................................... 74 25 6 ( ) 50

South ....................................................................... 75 23 2 60

South Atlantic ....................................................... 76 23 1 60

East South Central ............................................... 86 – – 50

West South Central .............................................. 70 28 2 60

Midwest .................................................................... 74 25 1 50

East North Central ............................................... 78 22 1 50

West North Central .............................................. 67 32 2 55

West ......................................................................... 78 21 1 50

Mountain .............................................................. 80 – – 50

Pacific .................................................................. 77 22 1 50

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a

medical plan. 2 All workers participating in an outpatient prescription drug plan with a generic drug provision equals 100 percent. 3 All workers participating in an outpatient prescription drug plan with a brand-name drug on formulary provision equals 100

percent. 4 All workers participating in an outpatient prescription drug plan with a brand-name drug not on formulary provision equals 100

percent. 5 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 2014." 6 Less than 0.5.

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data

do 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/glossary20142015.htm.
Table 20. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2014

Characteristics

Generic drugs Brand-name drugs on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristics

All workers ............................................................... 1.2 1.1 0.4 $0 1.2 1.2 0.2 $0

Management, professional, and related .................. 1.7 1.5 0.8 0 1.9 1.8 0.2 0

Management, business, and financial ................. 2.2 2.0 0.5 0 2.5 2.4 0.5 0

Professional and related ...................................... 2.3 1.9 1.4 0 2.3 2.3 0.2 0

Service ..................................................................... 2.8 2.6 0.8 0 2.9 2.7 0.8 0

Sales and office ....................................................... 1.7 1.6 0.8 0 1.7 1.6 0.5 0

Sales and related ................................................. 2.6 2.3 1.3 0 2.8 2.3 1.2 5

Office and administrative support ........................ 1.9 1.8 0.7 0 1.9 1.9 0.4 0

Natural resources, construction, and maintenance 2.4 2.2 0.7 0 2.0 1.9 0.6 0

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.0 4.0 1.2 0 3.1 3.0 1.3 3

Installation, maintenance, and repair ................... 2.8 2.6 0.8 0 3.1 3.1 0.6 0

Production, transportation, and material moving ..... 2.9 2.9 0.5 0 2.7 2.8 0.5 2

Production ............................................................ 4.1 4.2 0.7 0 4.0 4.1 0.7 6

Transportation and material moving .................... 2.7 2.8 0.7 0 3.2 3.3 0.5 0

Full time ................................................................... 1.2 1.1 0.5 0 1.3 1.2 0.2 0

Part time .................................................................. 2.7 2.1 1.4 1 2.5 1.9 1.2 0

Union ....................................................................... 2.9 2.8 1.0 2 ( ) 3.7 3.6 0.7 5

Nonunion ................................................................. 1.3 1.1 0.5 0 1.2 1.2 0.3 0

Average wage within the following categories3:

Lowest 25 percent ............................................... 3.0 2.9 0.9 0 2.8 2.5 1.0 1

Second 25 percent ............................................... 2.2 2.0 0.7 0 2.0 2.0 0.4 0

Third 25 percent ................................................... 1.7 1.5 0.5 0 1.9 1.8 0.4 0

Highest 25 percent ............................................... 1.8 1.7 0.7 0 1.7 1.7 0.3 0

Highest 10 percent ........................................... 2.3 2.3 0.4 0 2.6 2.6 0.4 0

Establishment characteristics

Goods-producing industries ..................................... 2.8 2.7 0.6 0 2.6 2.6 0.6 0

Construction ......................................................... 4.3 4.2 1.1 0 3.4 3.5 1.2 1

Manufacturing ...................................................... 3.7 3.6 0.7 0 3.4 3.3 0.7 0

Service-providing industries ..................................... 1.2 1.1 0.6 0 1.3 1.3 0.2 0

Trade, transportation, and utilities ....................... 2.0 2.0 0.5 0 2.2 2.1 0.4 0

Wholesale trade ............................................... 3.0 3.0 1.2 0 3.2 3.2 0.9 1

Retail trade ...................................................... 2.8 2.5 0.7 – 2.9 2.6 0.7 0

Transportation and warehousing ..................... 5.6 5.2 1.4 0 6.0 5.7 1.4 0

Utilities ............................................................. 9.2 9.4 0.5 0 9.2 9.4 0.5 5

Information ........................................................... 4.6 4.3 3.1 0 5.1 5.0 3.1 0

Financial activities ................................................ 2.0 1.9 0.4 0 2.9 2.8 0.2 0

Finance and insurance .................................... 2.3 2.0 0.5 0 2.9 2.8 0.2 0

See footnotes at end of table.
Table 20. Standard errors for outpatient prescription drug benefits:1

 Copayment

provisions, private industry workers, National Compensation Survey,

2014—continued

Characteristics

Brand-name drugs not on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristics

All workers ............................................................... 1.4 1.4 0.3 $0

Management, professional, and related .................. 2.2 2.2 0.3 0

Management, business, and financial ................. 2.8 2.8 0.5 1

Professional and related ...................................... 2.6 2.5 0.3 1

Service ..................................................................... 3.3 2.7 1.3 0

Sales and office ....................................................... 1.8 1.9 0.4 4

Sales and related ................................................. 2.7 2.5 0.8 6

Office and administrative support ........................ 2.3 2.3 0.4 2

Natural resources, construction, and maintenance 2.5 2.5 0.5 5

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.1 4.1 0.8 2

Installation, maintenance, and repair ................... 3.2 3.1 0.7 4

Production, transportation, and material moving ..... 3.0 3.1 0.5 6

Production ............................................................ 4.4 4.5 0.9 7

Transportation and material moving .................... 3.5 3.5 0.1 5

Full time ................................................................... 1.4 1.4 0.3 1

Part time .................................................................. 2.4 1.9 1.3 0

Union ....................................................................... 3.8 3.8 0.8 2

Nonunion ................................................................. 1.3 1.3 0.3 3

Average wage within the following categories3:

Lowest 25 percent ............................................... 2.7 2.2 1.2 7

Second 25 percent ............................................... 2.1 2.2 0.4 3

Third 25 percent ................................................... 2.3 2.3 0.3 4

Highest 25 percent ............................................... 2.2 2.1 0.4 0

Highest 10 percent ........................................... 3.1 3.1 0.5 0

Establishment characteristics

Goods-producing industries ..................................... 3.2 3.3 0.6 7

Construction ......................................................... 4.8 4.8 – 4

Manufacturing ...................................................... 3.8 3.8 0.8 3

Service-providing industries ..................................... 1.5 1.5 0.3 0

Trade, transportation, and utilities ....................... 2.2 2.1 0.4 0

Wholesale trade ............................................... 3.6 3.6 – 9

Retail trade ...................................................... 2.8 2.8 – 0

Transportation and warehousing ..................... 6.9 6.6 1.7 0

Utilities ............................................................. 12.6 – – 14

Information ........................................................... 5.3 4.8 3.0 6

Financial activities ................................................ 3.4 3.4 0.1 0

Finance and insurance .................................... 3.5 3.5 0.1 0

See footnotes at end of table.
Table 20. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

Generic drugs Brand-name drugs on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 3.2 3.2 0.2 $0 3.4 3.4 0.1 $0

Insurance carriers and related activities ...... 4.1 3.5 1.3 0 3.8 3.7 0.1 0

Real estate and rental and leasing .................. 3.7 – – 0 3.4 – – 8

Professional and business services ..................... 2.7 2.6 0.8 0 3.7 3.7 0.6 2

Professional and technical services ................. 3.9 3.9 – 0 4.6 4.6 – 5

Education and health services ............................. 2.5 1.7 1.8 0 1.6 1.5 0.4 0

Educational services ........................................ 2.7 2.7 0.1 0 2.7 2.7 4 () 5

Junior colleges, colleges, and universities ... 3.9 3.9 0.2 0 3.7 3.7 0.1 0

Health care and social assistance ................... 2.8 2.0 2.1 0 1.9 1.8 0.4 0

Leisure and hospitality ......................................... 3.8 – – 0 5.7 – – 4

Other services ...................................................... 5.0 – – 0 5.2 – – 0

1 to 99 workers ........................................................ 1.6 1.3 0.8 0 1.5 1.4 0.3 4

1 to 49 workers .................................................... 2.2 1.7 1.3 0 1.8 1.7 0.5 1

50 to 99 workers .................................................. 1.9 1.9 0.4 0 2.4 2.4 0.3 0

100 workers or more ................................................ 1.5 1.5 0.4 0 1.7 1.7 0.3 0

100 to 499 workers .............................................. 1.6 1.6 0.5 0 1.9 1.9 0.4 0

500 workers or more ............................................ 2.9 2.9 0.7 0 2.8 2.8 0.4 6

Geographic areas

Northeast ................................................................. 2.6 2.5 0.4 0 2.6 2.5 0.4 0

New England ....................................................... 5.0 4.3 1.1 0 5.1 4.5 1.1 2

Middle Atlantic ..................................................... 3.1 3.0 0.4 0 3.0 2.9 0.4 1

South ....................................................................... 2.0 2.2 0.5 0 1.9 2.0 0.4 1

South Atlantic ....................................................... 2.2 2.3 0.6 0 2.6 2.6 0.4 3

East South Central ............................................... 2.4 2.4 1.3 0 2.3 2.7 1.3 1

West South Central .............................................. 4.8 5.3 1.0 0 3.9 4.3 0.9 0

Midwest .................................................................... 2.8 2.1 1.6 0 2.4 2.3 0.4 0

East North Central ............................................... 3.6 2.6 2.1 0 2.5 2.6 0.2 0

West North Central .............................................. 4.9 3.7 2.7 0 5.2 4.7 1.3 5

West ......................................................................... 2.2 1.9 0.6 0 3.0 2.8 0.6 0

Mountain .............................................................. 5.3 – – 0 6.8 – – 1

Pacific .................................................................. 1.8 1.7 0.5 0 2.8 2.7 0.5 0

See footnotes at end of table.
Table 20. Standard errors for outpatient prescription drug benefits:1

 Copayment

provisions, private industry workers, National Compensation Survey,

2014—continued

Characteristics

Brand-name drugs not on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 4.5 4.6 0.2 $0

Insurance carriers and related activities ...... 3.9 3.9 – 0

Real estate and rental and leasing .................. 3.1 – – 9

Professional and business services ..................... 4.2 4.2 0.6 9

Professional and technical services ................. 5.7 5.7 – 6

Education and health services ............................. 2.8 2.9 0.3 1

Educational services ........................................ 3.2 3.2 0.1 0

Junior colleges, colleges, and universities ... 4.2 4.2 0.2 9

Health care and social assistance ................... 3.2 3.3 0.4 2

Leisure and hospitality ......................................... 6.3 – – 10

Other services ...................................................... 5.5 – – 0

1 to 99 workers ........................................................ 1.7 1.7 0.3 3

1 to 49 workers .................................................... 2.0 2.0 0.4 1

50 to 99 workers .................................................. 2.5 2.5 0.2 4

100 workers or more ................................................ 2.0 1.9 0.4 0

100 to 499 workers .............................................. 2.0 1.9 0.5 0

500 workers or more ............................................ 3.3 3.3 0.6 0

Geographic areas

Northeast ................................................................. 3.7 3.7 0.3 0

New England ....................................................... 5.1 4.8 0.9 0

Middle Atlantic ..................................................... 4.4 4.5 0.3 0

South ....................................................................... 2.1 2.2 0.5 1

South Atlantic ....................................................... 3.3 3.1 0.6 0

East South Central ............................................... 2.8 – – 4

West South Central .............................................. 3.6 4.1 1.0 0

Midwest .................................................................... 2.7 2.7 0.5 4

East North Central ............................................... 2.9 3.0 0.2 2

West North Central .............................................. 5.8 5.4 1.5 10

West ......................................................................... 3.1 2.9 0.6 1

Mountain .............................................................. 6.3 – – 8

Pacific .................................................................. 3.3 3.2 0.6 0

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a

medical plan. 2 Less than 0.5. 3 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 2014." 4 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 21. Defined benefit plans: Availability and eligibility requirements for open plans,1

 private industry workers, National

Compensation Survey, 2014

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

Minimum

age and

service

requirement

Minimum

age only

requirement

Minimum

service only

requirement

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

Worker characteristics

All workers ............................................................... 57 14 – 25 16 – 43 –

Management, professional, and related .................. 47 12 – 17 15 – 53 –

Management, business, and financial ................. 50 – – 11 17 – 50 –

Professional and related ...................................... 45 – – 21 13 2 55 –

Service ..................................................................... 69 – – 51 – – 31 –

Sales and office ....................................................... 62 22 – 26 – 2 ( ) 38 –

Sales and related ................................................. 63 31 – 29 – – 37 –

Office and administrative support ........................ 61 19 – 24 – 1 39 –

Natural resources, construction, and maintenance 77 – – 42 26 – 23 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 87 – – 60 26 – – –

Installation, maintenance, and repair ................... 68 – – 25 26 – 32 –

Production, transportation, and material moving ..... 55 15 – 20 19 – 45 –

Production ............................................................ 41 – – – 28 2 59 –

Transportation and material moving .................... 68 24 – 35 – – 32 –

Full time ................................................................... 55 12 – 23 17 – 45 –

Part time .................................................................. 80 31 – 42 – – 20 –

Union ....................................................................... 74 9 – 45 18 – 26 –

Nonunion ................................................................. 47 17 – 12 15 – 53 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 82 23 – 53 – – 18 –

Lowest 10 percent ........................................... 90 – – – – – – –

Second 25 percent ............................................... 57 22 – 24 – 1 43 –

Third 25 percent ................................................... 59 15 – 24 19 – 41 –

Highest 25 percent ............................................... 54 10 – 23 18 – 46 –

Highest 10 percent ........................................... 49 – – 17 17 – 51 –

Establishment characteristics

Goods-producing industries ..................................... 50 – – 20 24 – 50 –

Construction ......................................................... 88 – – 66 – – – –

Manufacturing ...................................................... 37 – – – 24 – 63 –

Service-providing industries ..................................... 60 17 – 27 13 – 40 –

Trade, transportation, and utilities ....................... 72 23 – 33 13 – 28 –

Wholesale trade ............................................... 69 – – – – – – –

Retail trade ...................................................... 72 28 – – – – 28 –

Transportation and warehousing ..................... 72 – – 37 – – 28 –

Utilities ............................................................. 78 – – – 30 – – –

Information ........................................................... 44 – – – – – 56 –

Financial activities ................................................ 62 28 – 24 9 – 38 –

Finance and insurance .................................... 61 30 – 21 10 – 39 –

Credit intermediation and related activities .. 50 – – – – – 50 –

Insurance carriers and related activities ...... 81 36 – 23 20 – 19 –

Professional and business services ..................... 48 – – – – 1 52 –

Education and health services ............................. 58 – – 33 13 2 42 –

Educational services:

Junior colleges, colleges, and universities 68 42 – – – – 32 –

Health care and social assistance ................... 54 – – 38 – – 46 –

See footnotes at end of table.
Table 21. Defined benefit plans: Availability and eligibility requirements for open plans,1

 private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

Minimum

age and

service

requirement

Minimum

age only

requirement

Minimum

service only

requirement

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

1 to 99 workers ........................................................ 70 29 – 26 10 – 30 –

1 to 49 workers .................................................... 73 28 – 28 – – 27 –

50 to 99 workers .................................................. 67 31 – 24 – 6 33 –

100 workers or more ................................................ 53 9 – 25 18 – 47 –

100 to 499 workers .............................................. 50 9 – 26 14 – 50 –

500 workers or more ............................................ 56 8 – 23 22 – 44 –

Geographic areas

Northeast ................................................................. 67 18 – 28 – 1 33 –

New England ....................................................... 62 – – – 20 – 38 –

Middle Atlantic ..................................................... 68 20 – 27 – 1 32 –

South ....................................................................... 57 13 – 23 18 – 43 –

South Atlantic ....................................................... 56 – – 25 16 2 ( ) 44 –

East South Central ............................................... 66 23 – – 29 – 34 –

West South Central .............................................. 55 – – – – 4 45 –

Midwest .................................................................... 54 11 – 22 19 – 46 –

East North Central ............................................... 51 14 – 21 11 – 49 –

West North Central .............................................. 60 – – – 35 – 40 –

West ......................................................................... 52 14 – 30 – – 48 –

Mountain .............................................................. 73 – – 43 – – 27 –

Pacific .................................................................. 45 10 – 26 – – 55 –

1 A typical minimum age requirement is 21 years and service requirement is 12 months. See glossary for additional information on requirements. 2 Less than 0.5. 3 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 21. Standard errors for defined benefit plans: Availability and eligibility requirements for open plans,1

 private industry

workers, National Compensation Survey, 2014

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable Minimum age

and service

requirement

Minimum age

only

requirement

Minimum

service only

requirement

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

Worker characteristics

All workers ............................................................... 2.1 1.7 – 2.2 2.3 – 2.1 –

Management, professional, and related .................. 3.7 3.5 – 2.9 2.9 – 3.7 –

Management, business, and financial ................. 4.0 – – 2.1 4.2 – 4.0 –

Professional and related ...................................... 5.2 – – 4.4 3.0 1.3 5.2 –

Service ..................................................................... 8.3 – – 9.1 – – 8.3 –

Sales and office ....................................................... 3.0 3.6 – 2.8 – 0.3 3.0 –

Sales and related ................................................. 5.3 7.6 – 7.0 – – 5.3 –

Office and administrative support ........................ 3.8 3.3 – 2.5 – 0.4 3.8 –

Natural resources, construction, and maintenance 4.2 – – 5.1 4.0 – 4.2 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.4 – – 8.5 7.7 – – –

Installation, maintenance, and repair ................... 7.3 – – 7.0 4.9 – 7.3 –

Production, transportation, and material moving ..... 4.1 3.3 – 3.8 3.5 – 4.1 –

Production ............................................................ 5.6 – – – 4.4 1.5 5.6 –

Transportation and material moving .................... 4.8 5.4 – 6.0 – – 4.8 –

Full time ................................................................... 2.2 1.8 – 2.3 2.4 – 2.2 –

Part time .................................................................. 3.5 4.7 – 5.0 – – 3.5 –

Union ....................................................................... 3.6 1.4 – 4.7 3.2 – 3.6 –

Nonunion ................................................................. 2.7 2.7 – 1.6 2.5 – 2.7 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 5.3 5.0 – 7.5 – – 5.3 –

Lowest 10 percent ........................................... 4.5 – – – – – – –

Second 25 percent ............................................... 4.1 3.5 – 4.1 – 1.2 4.1 –

Third 25 percent ................................................... 3.9 2.3 – 3.4 2.4 – 3.9 –

Highest 25 percent ............................................... 3.0 2.5 – 2.7 3.1 – 3.0 –

Highest 10 percent ........................................... 3.8 – – 3.2 4.4 – 3.8 –

Establishment characteristics

Goods-producing industries ..................................... 3.9 – – 3.6 3.5 – 3.9 –

Construction ......................................................... 4.6 – – 8.7 – – – –

Manufacturing ...................................................... 4.9 – – – 4.5 – 4.9 –

Service-providing industries ..................................... 2.6 2.2 – 2.7 2.8 – 2.6 –

Trade, transportation, and utilities ....................... 3.3 3.0 – 4.4 3.1 – 3.3 –

Wholesale trade ............................................... 10.8 – – – – – – –

Retail trade ...................................................... 6.1 4.6 – – – – 6.1 –

Transportation and warehousing ..................... 6.5 – – 10.0 – – 6.5 –

Utilities ............................................................. 7.5 – – – 5.0 – – –

Information ........................................................... 9.5 – – – – – 9.5 –

Financial activities ................................................ 3.9 4.5 – 3.8 2.2 – 3.9 –

Finance and insurance .................................... 3.8 4.5 – 3.1 2.3 – 3.8 –

Credit intermediation and related activities .. 7.3 – – – – – 7.3 –

Insurance carriers and related activities ...... 4.0 6.5 – 5.6 4.0 – 4.0 –

Professional and business services ..................... 9.0 – – – – 0.5 9.0 –

Education and health services ............................. 8.1 – – 8.0 3.1 2.2 8.1 –

Educational services:

Junior colleges, colleges, and universities 9.1 8.7 – – – – 9.1 –

Health care and social assistance ................... 9.3 – – 9.9 – – 9.3 –

See footnotes at end of table.
Table 21. Standard errors for defined benefit plans: Availability and eligibility requirements for open plans,1

 private industry

workers, National Compensation Survey, 2014—continued

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable Minimum age

and service

requirement

Minimum age

only

requirement

Minimum

service only

requirement

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

1 to 99 workers ........................................................ 3.5 4.9 – 4.3 2.2 – 3.5 –

1 to 49 workers .................................................... 3.8 6.8 – 5.9 – – 3.8 –

50 to 99 workers .................................................. 6.2 5.8 – 5.2 – 3.4 6.2 –

100 workers or more ................................................ 2.7 1.6 – 2.8 2.8 – 2.7 –

100 to 499 workers .............................................. 4.6 2.1 – 4.0 2.8 – 4.6 –

500 workers or more ............................................ 4.0 2.1 – 3.4 5.0 – 4.0 –

Geographic areas

Northeast ................................................................. 3.0 4.7 – 4.2 – 0.7 3.0 –

New England ....................................................... 5.8 – – – 5.8 – 5.8 –

Middle Atlantic ..................................................... 3.5 5.7 – 4.0 – 0.8 3.5 –

South ....................................................................... 4.2 2.8 – 4.5 2.3 – 4.2 –

South Atlantic ....................................................... 5.6 – – 6.2 2.0 0.3 5.6 –

East South Central ............................................... 2.4 4.1 – – 4.2 – 2.4 –

West South Central .............................................. 8.2 – – – – 3.5 8.2 –

Midwest .................................................................... 4.1 2.6 – 3.7 3.6 – 4.1 –

East North Central ............................................... 4.9 3.4 – 3.4 2.9 – 4.9 –

West North Central .............................................. 7.8 – – – 7.2 – 7.8 –

West ......................................................................... 5.5 2.9 – 5.7 – – 5.5 –

Mountain .............................................................. 3.8 – – 7.4 – – 3.8 –

Pacific .................................................................. 6.5 1.9 – 6.8 – – 6.5 –

1 A typical minimum age requirement is 21 years and service requirement is 12 months. See glossary for additional information on requirements. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 22. Defined benefit plans: Plan sponsor,1

 private industry workers, National Compensation Survey,

2014

(All workers participating in selected defined benefit plans = 100 percent)

Characteristics

All defined benefit plans2 Traditional defined benefit

plans4

Non-traditional defined benefit

plans5

Single

employer

sponsor

Multi-employer

sponsor3

Single

employer

sponsor

Multi-employer

sponsor3

Single

employer

sponsor

Multi-employer

sponsor3

Worker characteristics

All workers ............................................................... 78 17 68 25 99 –

Management, professional, and related .................. 90 – 83 – 100 –

Management, business, and financial ................. 96 – 91 – 99 –

Professional and related ...................................... 86 – 78 – 100 –

Service ..................................................................... 49 48 43 53 100 –

Sales and office ....................................................... 77 20 60 34 100 –

Sales and related ................................................. 58 40 41 56 100 –

Office and administrative support ........................ 83 13 69 24 100 –

Natural resources, construction, and maintenance 57 38 52 42 100 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 24 75 – 76 – –

Installation, maintenance, and repair ................... 87 – 85 – 100 –

Production, transportation, and material moving ..... 83 13 76 19 98 –

Production ............................................................ 93 – 88 – 100 –

Transportation and material moving .................... 73 19 67 25 93 –

Full time ................................................................... 81 13 72 20 99 –

Part time .................................................................. 50 48 38 59 100 –

Union ....................................................................... 51 41 47 45 100 –

Nonunion ................................................................. 95 – 91 – 99 –

Average wage within the following categories6:

Lowest 25 percent ............................................... 32 65 – 79 – –

Lowest 10 percent ........................................... – 80 – – – –

Second 25 percent ............................................... 77 19 67 26 100 –

Third 25 percent ................................................... 77 14 65 22 99 –

Highest 25 percent ............................................... 85 12 77 18 100 –

Highest 10 percent ........................................... 93 5 89 9 99 –

Establishment characteristics

Goods-producing industries ..................................... 76 24 68 32 100 –

Construction ......................................................... – 83 – 83 – –

Manufacturing ...................................................... 96 – 94 – 100 –

Service-providing industries ..................................... 79 14 67 22 99 –

Trade, transportation, and utilities ....................... 60 32 52 40 95 –

Wholesale trade ............................................... 73 – 78 – – –

Retail trade ...................................................... 28 72 18 82 – –

Transportation and warehousing ..................... 76 – 69 – – –

Utilities ............................................................. 100 – 100 – 100 –

Information ........................................................... 96 – 95 – – –

Financial activities ................................................ 99 – 97 – 100 –

Finance and insurance .................................... 99 – 97 – 100 –

Credit intermediation and related activities .. 100 – 100 – 100 –

Insurance carriers and related activities ...... 99 – 97 – 100 –

Professional and business services ..................... 100 – – – – –

Education and health services ............................. 69 – 61 – – –

Educational services:

Junior colleges, colleges, and universities 76 – 73 – – –

Health care and social assistance ................... 70 – 62 – – –

See footnotes at end of table.
Table 22. Defined benefit plans: Plan sponsor,1

 private industry workers, National Compensation Survey,

2014—continued

(All workers participating in selected defined benefit plans = 100 percent)

Characteristics

All defined benefit plans2 Traditional defined benefit

plans4

Non-traditional defined benefit

plans5

Single

employer

sponsor

Multi-employer

sponsor3

Single

employer

sponsor

Multi-employer

sponsor3

Single

employer

sponsor

Multi-employer

sponsor3

1 to 99 workers ........................................................ 77 18 70 23 97 –

1 to 49 workers .................................................... 77 – 70 – 95 –

50 to 99 workers .................................................. 77 21 70 27 100 –

100 workers or more ................................................ 79 16 67 25 100 –

100 to 499 workers .............................................. 69 25 55 36 100 –

500 workers or more ............................................ 88 – 80 – 100 –

Geographic areas

Northeast ................................................................. 77 20 67 29 100 –

New England ....................................................... 81 – 73 – 100 –

Middle Atlantic ..................................................... 75 – 66 29 100 –

South ....................................................................... 89 8 84 12 100 –

South Atlantic ....................................................... 85 – 78 15 100 –

East South Central ............................................... 91 – 88 – – –

West South Central .............................................. 95 – 93 – 100 –

Midwest .................................................................... 80 15 67 25 98 –

East North Central ............................................... 83 12 74 19 97 –

West North Central .............................................. 74 – 49 42 100 –

West ......................................................................... 60 28 43 40 100 –

Mountain .............................................................. 58 42 37 63 – –

Pacific .................................................................. 61 24 45 33 100 –

1 Sum of single- and multi-employer sponsor may not equal 100 percent as other plan sponsor types are not included (e.g., employer associations, railroad retirement

boards). 2 All workers participating in defined benefit plans = 100 percent. 3 Plans established by a labor organization and provided to employees of two or more unrelated companies in accordance with a collective bargaining agreement. 4 All workers participating in traditional defined benefit plans = 100 percent. See glossary for definition of traditional plans. 5 All workers participating in non-traditional defined benefit plans = 100 percent. See glossary for definition of non-traditional plans. 6 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 22. Standard errors for defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2014

Characteristics

All defined benefit plans Traditional defined benefit

plans2

Non-traditional defined benefit

plans3

Single

employer

sponsor

Multi-employer

sponsor1

Single

employer

sponsor

Multi-employer

sponsor1

Single

employer

sponsor

Multi-employer

sponsor1

Worker characteristics

All workers ............................................................... 2.6 1.9 3.2 2.5 0.6 –

Management, professional, and related .................. 4.9 – 7.8 – 0.3 –

Management, business, and financial ................. 2.5 – 5.1 – 0.6 –

Professional and related ...................................... 6.7 – 9.4 – 0.0 –

Service ..................................................................... 9.3 9.5 10.2 10.4 0.0 –

Sales and office ....................................................... 3.6 3.2 4.6 4.3 0.0 –

Sales and related ................................................. 5.3 5.3 7.2 7.3 0.0 –

Office and administrative support ........................ 3.6 2.7 5.3 4.1 0.0 –

Natural resources, construction, and maintenance 4.7 4.4 5.2 5.0 0.0 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.9 6.8 – 7.0 – –

Installation, maintenance, and repair ................... 4.3 – 5.1 – 0.0 –

Production, transportation, and material moving ..... 2.6 2.4 3.7 3.4 2.3 –

Production ............................................................ 2.2 – 3.7 – 0.0 –

Transportation and material moving .................... 4.4 4.6 6.4 5.9 6.9 –

Full time ................................................................... 2.7 1.8 3.5 2.5 0.7 –

Part time .................................................................. 6.8 6.0 7.4 6.5 0.0 –

Union ....................................................................... 4.7 4.2 4.8 4.5 0.0 –

Nonunion ................................................................. 0.9 – 1.8 – 0.7 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 7.0 6.4 – 5.8 – –

Lowest 10 percent ........................................... – 6.8 – – – –

Second 25 percent ............................................... 4.7 3.9 6.0 5.0 0.0 –

Third 25 percent ................................................... 4.4 2.3 6.0 3.8 1.4 –

Highest 25 percent ............................................... 2.1 2.0 3.0 2.7 0.3 –

Highest 10 percent ........................................... 1.6 1.3 2.8 2.3 0.6 –

Establishment characteristics

Goods-producing industries ..................................... 3.5 3.5 4.4 4.4 0.0 –

Construction ......................................................... – 7.6 – 7.6 – –

Manufacturing ...................................................... 2.0 – 3.0 – 0.0 –

Service-providing industries ..................................... 3.4 2.5 4.4 3.3 0.8 –

Trade, transportation, and utilities ....................... 5.0 5.0 6.7 6.1 4.9 –

Wholesale trade ............................................... 10.0 – 11.2 – – –

Retail trade ...................................................... 5.4 5.4 4.6 4.6 – –

Transportation and warehousing ..................... 6.5 – 8.9 – – –

Utilities ............................................................. 0.0 – 0.0 – 0.0 –

Information ........................................................... 3.8 – 5.6 – – –

Financial activities ................................................ 0.5 – 1.8 – 0.0 –

Finance and insurance .................................... 0.6 – 1.9 – 0.0 –

Credit intermediation and related activities .. 0.0 – 0.0 – 0.0 –

Insurance carriers and related activities ...... 0.8 – 2.0 – 0.0 –

Professional and business services ..................... 0.4 – – – – –

Education and health services ............................. 12.1 – 13.7 – – –

Educational services:

Junior colleges, colleges, and universities 10.9 – 11.8 – – –

Health care and social assistance ................... 14.7 – 17.0 – – –

See footnotes at end of table.
Table 22. Standard errors for defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

All defined benefit plans Traditional defined benefit

plans2

Non-traditional defined benefit

plans3

Single

employer

sponsor

Multi-employer

sponsor1

Single

employer

sponsor

Multi-employer

sponsor1

Single

employer

sponsor

Multi-employer

sponsor1

1 to 99 workers ........................................................ 3.4 3.1 4.6 4.2 3.4 –

1 to 49 workers .................................................... 5.5 – 7.8 – 5.1 –

50 to 99 workers .................................................. 5.3 5.2 6.8 6.5 0.0 –

100 workers or more ................................................ 3.6 2.6 4.8 3.7 0.0 –

100 to 499 workers .............................................. 5.6 4.0 6.6 5.4 0.0 –

500 workers or more ............................................ 2.8 – 4.3 – 0.0 –

Geographic areas

Northeast ................................................................. 5.8 6.1 5.4 6.4 0.0 –

New England ....................................................... 5.2 – 6.6 – 0.0 –

Middle Atlantic ..................................................... 7.5 – 6.3 7.9 0.0 –

South ....................................................................... 2.2 2.3 3.2 3.2 0.0 –

South Atlantic ....................................................... 3.2 – 3.9 4.0 0.0 –

East South Central ............................................... 7.6 – 9.9 – – –

West South Central .............................................. 2.9 – 4.8 – 0.0 –

Midwest .................................................................... 2.2 2.3 3.6 3.6 1.8 –

East North Central ............................................... 1.6 1.4 2.8 2.3 2.9 –

West North Central .............................................. 6.0 – 10.3 11.9 0.0 –

West ......................................................................... 8.7 4.6 9.1 6.9 0.0 –

Mountain .............................................................. 9.9 9.9 5.1 5.1 – –

Pacific .................................................................. 11.0 4.8 11.9 7.6 0.0 –

1 Plans established by a labor organization and provided to employees of two or more unrelated companies in accordance with a collective bargaining agreement. 2 See glossary for definition of traditional plans. 3 See glossary for definition of non-traditional plans. 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 23. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2014

(All workers participating in defined benefit plans = 100 percent)

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristics

All workers ............................................................... 67 34 8 21 4 33 30 3 –

Management, professional, and related .................. 58 44 11 – – 42 41 – –

Management, business, and financial ................. 47 31 – – – 53 52 – –

Professional and related ...................................... 66 53 – – – 34 32 – –

Service ..................................................................... – – – 35 – – – – –

Sales and office ....................................................... 59 29 – 20 – 41 41 – –

Sales and related ................................................. 71 21 – 40 – 29 29 – –

Office and administrative support ........................ 55 32 – 14 – 45 44 – –

Natural resources, construction, and maintenance 91 25 – 50 – 9 9 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – 57 31 – – – –

Installation, maintenance, and repair ................... 84 38 – 44 – 16 16 – –

Production, transportation, and material moving ..... 68 32 – 28 – 32 20 – –

Production ............................................................ 58 31 – 24 – 42 22 – –

Transportation and material moving .................... 78 33 – 33 – 22 18 – –

Full time ................................................................... 66 36 7 17 5 34 31 4 –

Part time .................................................................. 81 17 – 54 – 19 19 – –

Union ....................................................................... 91 27 – 51 – 9 8 – –

Nonunion ................................................................. 52 39 10 – – 48 43 5 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 82 – – 55 – 18 18 – –

Lowest 10 percent ........................................... – – – 80 – – – – –

Second 25 percent ............................................... 71 32 – 24 – 29 25 – –

Third 25 percent ................................................... 63 37 4 17 5 37 30 – –

Highest 25 percent ............................................... 67 37 8 18 4 33 32 – –

Highest 10 percent ........................................... 56 39 – 5 – 44 43 – –

Establishment characteristics

Goods-producing industries ..................................... 77 38 – 28 11 23 13 – –

Construction ......................................................... 100 – – 58 33 – – – –

Manufacturing ...................................................... 66 44 – 19 – 34 18 – –

Service-providing industries ..................................... 64 33 – 18 – 36 36 – –

Trade, transportation, and utilities ....................... 80 28 – 46 – 20 18 – –

Retail trade ...................................................... – – – 72 – – – – –

Transportation and warehousing ..................... – 40 – – – – – – –

Utilities ............................................................. 57 38 – – – 43 43 – –

Information ........................................................... 68 – – 34 – 32 32 – –

Financial activities ................................................ 29 25 – – – 71 70 – –

Finance and insurance .................................... 29 27 – – – 71 70 – –

Credit intermediation and related activities .. 18 17 – – – 82 82 – –

Insurance carriers and related activities ...... 37 35 – – – 63 61 – –

Professional and business services ..................... – 28 – – – – 61 – –

Education and health services ............................. 79 63 – – – 21 21 – –

Educational services:

Junior colleges, colleges, and universities – 57 30 – – – – – –

Health care and social assistance ................... 78 64 – – – 22 22 – –

See footnotes at end of table.
Table 23. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey,

2014—continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ........................................................ 76 29 – 28 – 24 21 – –

1 to 49 workers .................................................... 74 30 – 27 – 26 26 – –

50 to 99 workers .................................................. 79 29 – 28 – 21 – – –

100 workers or more ................................................ 64 36 6 18 4 36 33 – –

100 to 499 workers .............................................. 70 29 – 27 – 30 29 – –

500 workers or more ............................................ 59 43 – 10 – 41 36 – –

Geographic areas

Northeast ................................................................. 71 31 – 24 – 29 29 – –

New England ....................................................... – 37 – – – – – – –

Middle Atlantic ..................................................... – 29 17 22 – – – – –

South ....................................................................... 70 48 – 10 – 30 30 – –

South Atlantic ....................................................... 69 50 – – – 31 31 – –

East South Central ............................................... 77 47 – – – 23 23 – –

West South Central .............................................. 70 47 – – – 30 30 – –

Midwest .................................................................... 58 23 – 24 – 42 32 – –

East North Central ............................................... 62 27 – 26 – 38 25 – –

West North Central .............................................. 51 – – – 9 49 49 – –

West ......................................................................... 70 32 – 29 – 30 26 – –

Mountain .............................................................. – 23 – 44 – – – – –

Pacific .................................................................. – – – 24 – – – – –

1 Benefits are based on a dollar amount per month for each year of service recognized by the plan. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 23. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation

Survey, 2014

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristics

All workers ............................................................... 2.9 2.9 1.4 2.2 0.7 2.9 2.7 0.8 –

Management, professional, and related .................. 4.9 4.5 3.1 – – 4.9 4.8 – –

Management, business, and financial ................. 6.5 4.7 – – – 6.5 6.4 – –

Professional and related ...................................... 4.9 5.7 – – – 4.9 4.8 – –

Service ..................................................................... – – – 9.6 – – – – –

Sales and office ....................................................... 4.6 3.1 – 3.3 – 4.6 4.6 – –

Sales and related ................................................. 8.0 6.0 – 5.3 – 8.0 8.0 – –

Office and administrative support ........................ 4.9 3.5 – 2.5 – 4.9 4.9 – –

Natural resources, construction, and maintenance 1.9 4.4 – 5.8 – 1.9 1.9 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – 7.5 7.4 – – – –

Installation, maintenance, and repair ................... 3.3 8.0 – 8.9 – 3.3 3.3 – –

Production, transportation, and material moving ..... 4.8 5.2 – 4.7 – 4.8 4.3 – –

Production ............................................................ 6.5 7.2 – 5.2 – 6.5 6.4 – –

Transportation and material moving .................... 5.7 6.7 – 7.1 – 5.7 4.8 – –

Full time ................................................................... 3.0 3.1 1.4 2.1 0.8 3.0 2.8 0.8 –

Part time .................................................................. 4.0 4.2 – 4.9 – 4.0 4.0 – –

Union ....................................................................... 2.4 4.5 – 5.0 – 2.4 2.3 – –

Nonunion ................................................................. 3.6 3.3 2.2 – – 3.6 3.3 1.1 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 5.2 – – 5.4 – 5.2 5.2 – –

Lowest 10 percent ........................................... – – – 6.8 – – – – –

Second 25 percent ............................................... 4.6 5.1 – 4.1 – 4.6 4.4 – –

Third 25 percent ................................................... 4.1 5.3 1.1 2.7 1.2 4.1 3.6 – –

Highest 25 percent ............................................... 3.7 3.4 2.2 3.0 1.1 3.7 3.7 – –

Highest 10 percent ........................................... 5.4 4.5 – 1.5 – 5.4 5.3 – –

Establishment characteristics

Goods-producing industries ..................................... 4.4 6.6 – 3.9 1.9 4.4 2.5 – –

Construction ......................................................... 0.0 – – 7.9 7.9 – – – –

Manufacturing ...................................................... 5.9 8.0 – 3.5 – 5.9 3.5 – –

Service-providing industries ..................................... 3.8 3.2 – 2.7 – 3.8 3.7 – –

Trade, transportation, and utilities ....................... 3.5 5.6 – 4.7 – 3.5 3.0 – –

Retail trade ...................................................... – – – 6.1 – – – – –

Transportation and warehousing ..................... – 11.1 – – – – – – –

Utilities ............................................................. 6.0 10.6 – – – 6.0 6.0 – –

Information ........................................................... 5.8 – – 9.6 – 5.8 5.8 – –

Financial activities ................................................ 2.9 2.8 – – – 2.9 3.2 – –

Finance and insurance .................................... 3.3 2.8 – – – 3.3 3.5 – –

Credit intermediation and related activities .. 3.7 3.6 – – – 3.7 3.7 – –

Insurance carriers and related activities ...... 4.5 4.0 – – – 4.5 4.9 – –

Professional and business services ..................... – 6.4 – – – – 13.1 – –

Education and health services ............................. 5.1 7.8 – – – 5.1 5.1 – –

Educational services:

Junior colleges, colleges, and universities – 9.0 8.9 – – – – – –

Health care and social assistance ................... 6.2 9.0 – – – 6.2 6.2 – –

See footnotes at end of table.
Table 23. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation

Survey, 2014—continued

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ........................................................ 3.3 3.7 – 3.6 – 3.3 2.9 – –

1 to 49 workers .................................................... 4.8 4.7 – 5.7 – 4.8 4.8 – –

50 to 99 workers .................................................. 5.5 7.2 – 5.6 – 5.5 – – –

100 workers or more ................................................ 3.4 3.7 1.5 2.4 1.0 3.4 3.3 – –

100 to 499 workers .............................................. 5.0 5.3 – 4.1 – 5.0 5.0 – –

500 workers or more ............................................ 4.7 4.9 – 2.1 – 4.7 4.0 – –

Geographic areas

Northeast ................................................................. 7.3 4.6 – 5.0 – 7.3 7.3 – –

New England ....................................................... – 10.1 – – – – – – –

Middle Atlantic ..................................................... – 5.8 4.4 6.1 – – – – –

South ....................................................................... 4.4 5.0 – 3.0 – 4.4 4.4 – –

South Atlantic ....................................................... 6.1 5.3 – – – 6.1 6.1 – –

East South Central ............................................... 6.3 5.1 – – – 6.3 6.3 – –

West South Central .............................................. 8.2 12.5 – – – 8.2 8.2 – –

Midwest .................................................................... 4.0 4.6 – 4.0 – 4.0 2.9 – –

East North Central ............................................... 5.3 6.7 – 3.8 – 5.3 3.5 – –

West North Central .............................................. 5.7 – – – 2.5 5.7 5.7 – –

West ......................................................................... 7.3 8.5 – 4.9 – 7.3 7.0 – –

Mountain .............................................................. – 4.0 – 8.9 – – – – –

Pacific .................................................................. – – – 5.7 – – – – –

1 Benefits are based on a dollar amount per month for each year of service recognized by the plan. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 24. Defined benefit plans: Vesting requirements, private industry workers, National Compensation

Survey, 2014

(All workers participating in defined benefit plans = 100 percent)

Characteristics Cliff vesting1

Years required for cliff

vesting Graded

vesting2

Immediate

full vesting

Not

determinable

Mean Median

Worker characteristics

All workers ............................................................... 95 4 5 3 – –

Management, professional, and related .................. 95 4 5 – – 3 ( )

Management, business, and financial ................. 97 4 – – – 3 ( )

Professional and related ...................................... 94 4 5 – – 1

Service ..................................................................... 93 5 5 – – 3 ( )

Sales and office ....................................................... 96 4 5 – – 3 ( )

Sales and related ................................................. 95 4 5 – – –

Office and administrative support ........................ 97 4 – – – 3 ( )

Natural resources, construction, and maintenance 93 5 5 – – 3

Construction, extraction, farming, fishing, and

forestry ............................................................... 94 5 5 – – 1

Installation, maintenance, and repair ................... 92 5 5 – – 5

Production, transportation, and material moving ..... 95 4 5 – – 2

Production ............................................................ 98 4 5 – – 1

Transportation and material moving .................... 92 5 5 – – 4

Full time ................................................................... 95 4 5 3 – –

Part time .................................................................. 95 5 5 – – –

Union ....................................................................... 96 5 5 – – 2

Nonunion ................................................................. 95 4 – 4 – –

Average wage within the following categories4:

Lowest 25 percent ............................................... 98 5 5 – – 3 ( )

Lowest 10 percent ........................................... 100 5 5 – – –

Second 25 percent ............................................... 94 4 5 – – –

Third 25 percent ................................................... 96 4 5 – – 1

Highest 25 percent ............................................... 94 4 5 – – 2

Highest 10 percent ........................................... 94 4 5 – – 1

Establishment characteristics

Goods-producing industries ..................................... 95 5 5 – – –

Construction ......................................................... 95 5 5 – – –

Manufacturing ...................................................... 95 4 5 – – –

Service-providing industries ..................................... 95 4 5 – – 1

Trade, transportation, and utilities ....................... 94 5 5 – – 5

Wholesale trade ............................................... 100 5 5 – – –

Retail trade ...................................................... 98 5 5 – – –

Transportation and warehousing ..................... 87 4 5 – – 13

Utilities ............................................................. 94 4 5 – – –

Information ........................................................... 94 4 5 – – –

Financial activities ................................................ 97 4 3 – – –

Finance and insurance .................................... 97 4 3 – – –

Credit intermediation and related activities .. 99 3 3 – – –

Insurance carriers and related activities ...... 94 4 3 – – –

Professional and business services ..................... 100 4 – – – –

Education and health services ............................. 91 5 5 – – 1

Educational services:

Junior colleges, colleges, and universities 83 5 5 – – 8

Health care and social assistance ................... 92 5 5 – – –

See footnotes at end of table.
Table 24. Defined benefit plans: Vesting requirements, private industry workers, National Compensation

Survey, 2014—continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Cliff vesting1

Years required for cliff

vesting Graded

vesting2

Immediate

full vesting

Not

determinable

Mean Median

1 to 99 workers ........................................................ 93 4 5 – – –

1 to 49 workers .................................................... 92 4 5 – – –

50 to 99 workers .................................................. 94 5 5 – – –

100 workers or more ................................................ 96 4 5 – – 1

100 to 499 workers .............................................. 97 4 5 – – –

500 workers or more ............................................ 94 4 5 – – 3

Geographic areas

Northeast ................................................................. 92 4 5 – – 3

New England ....................................................... 90 4 5 – – 3 ( )

Middle Atlantic ..................................................... 93 4 5 – – 3

South ....................................................................... 96 4 5 – – 1

South Atlantic ....................................................... 96 4 5 – – 2

East South Central ............................................... 100 5 5 – – –

West South Central .............................................. 96 4 5 – – –

Midwest .................................................................... 95 4 5 – – –

East North Central ............................................... 94 4 5 – – –

West North Central .............................................. 96 4 – – – –

West ......................................................................... 97 4 5 – – –

Mountain .............................................................. 98 4 5 – – –

Pacific .................................................................. 96 4 5 – – –

1 An employee is not entitled to any accrued benefits until satisfying the requirement for 100 percent vesting. 2 An employee is entitled to a gradually increasing share of benefits determined by years of service, eventually reaching 100 percent vesting status. 3 Less than 0.5. 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 24. Standard errors for defined benefit plans: Vesting requirements, private industry workers,

National Compensation Survey, 2014

Characteristics Cliff vesting1

Years required for cliff

vesting Graded

vesting2

Immediate

full vesting

Not

determinable

Mean Median

Worker characteristics

All workers ............................................................... 1.1 0.1 0.0 0.8 – –

Management, professional, and related .................. 1.4 0.1 0.4 – – 0.2

Management, business, and financial ................. 1.2 0.1 – – – 3 ( )

Professional and related ...................................... 2.1 0.1 0.0 – – 0.3

Service ..................................................................... 4.1 0.1 0.0 – – 3 ( )

Sales and office ....................................................... 0.8 0.1 0.0 – – 3 ( )

Sales and related ................................................. 2.0 0.2 0.0 – – –

Office and administrative support ........................ 0.9 0.1 – – – 3 ( )

Natural resources, construction, and maintenance 2.9 0.1 0.0 – – 2.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 3.3 0.1 0.0 – – 0.7

Installation, maintenance, and repair ................... 4.1 0.1 0.0 – – 3.7

Production, transportation, and material moving ..... 2.2 0.1 0.0 – – 1.7

Production ............................................................ 0.9 0.1 0.4 – – 0.6

Transportation and material moving .................... 4.2 0.1 0.0 – – 2.9

Full time ................................................................... 1.2 0.1 0.0 0.8 – –

Part time .................................................................. 2.9 0.1 0.0 – – –

Union ....................................................................... 1.8 0.1 0.0 – – 1.4

Nonunion ................................................................. 1.0 0.1 – 1.0 – –

Average wage within the following categories4:

Lowest 25 percent ............................................... 2.2 0.1 0.0 – – 0.1

Lowest 10 percent ........................................... 0.0 0.1 0.0 – – –

Second 25 percent ............................................... 2.5 0.1 0.0 – – –

Third 25 percent ................................................... 1.4 0.1 0.0 – – 0.7

Highest 25 percent ............................................... 1.7 0.1 0.0 – – 1.0

Highest 10 percent ........................................... 1.7 0.1 1.0 – – 0.7

Establishment characteristics

Goods-producing industries ..................................... 2.0 0.1 0.0 – – –

Construction ......................................................... 3.3 0.1 0.0 – – –

Manufacturing ...................................................... 2.5 0.1 0.0 – – –

Service-providing industries ..................................... 1.3 0.1 0.0 – – 0.9

Trade, transportation, and utilities ....................... 3.4 0.1 0.0 – – 3.4

Wholesale trade ............................................... 0.0 3 ( ) 0.0 – – –

Retail trade ...................................................... 0.6 0.1 0.0 – – –

Transportation and warehousing ..................... 9.6 0.2 0.0 – – 9.6

Utilities ............................................................. 3.9 0.1 0.0 – – –

Information ........................................................... 4.1 0.2 0.0 – – –

Financial activities ................................................ 1.6 0.1 0.0 – – –

Finance and insurance .................................... 1.6 0.1 0.0 – – –

Credit intermediation and related activities .. 1.2 0.1 0.0 – – –

Insurance carriers and related activities ...... 3.6 0.1 0.0 – – –

Professional and business services ..................... 0.0 0.3 – – – –

Education and health services ............................. 3.7 0.1 0.0 – – 0.4

Educational services:

Junior colleges, colleges, and universities 5.0 0.1 0.0 – – 4.7

Health care and social assistance ................... 4.3 0.1 0.0 – – –

See footnotes at end of table.
Table 24. Standard errors for defined benefit plans: Vesting requirements, private industry workers,

National Compensation Survey, 2014—continued

Characteristics Cliff vesting1

Years required for cliff

vesting Graded

vesting2

Immediate

full vesting

Not

determinable

Mean Median

1 to 99 workers ........................................................ 1.8 0.1 0.0 – – –

1 to 49 workers .................................................... 2.0 0.1 0.0 – – –

50 to 99 workers .................................................. 3.6 0.1 0.0 – – –

100 workers or more ................................................ 1.3 0.1 0.0 – – 0.9

100 to 499 workers .............................................. 1.2 0.1 0.0 – – –

500 workers or more ............................................ 2.2 0.1 0.0 – – 1.7

Geographic areas

Northeast ................................................................. 3.2 0.2 0.0 – – 2.2

New England ....................................................... 7.7 0.2 0.0 – – 0.1

Middle Atlantic ..................................................... 3.5 0.3 0.0 – – 2.7

South ....................................................................... 1.8 0.1 0.0 – – 1.4

South Atlantic ....................................................... 2.6 0.1 0.0 – – 2.6

East South Central ............................................... 0.0 0.1 0.0 – – –

West South Central .............................................. 3.1 0.2 0.0 – – –

Midwest .................................................................... 1.1 0.1 0.0 – – –

East North Central ............................................... 1.2 0.1 0.0 – – –

West North Central .............................................. 2.6 0.1 – – – –

West ......................................................................... 1.9 0.1 0.0 – – –

Mountain .............................................................. 1.4 0.2 0.0 – – –

Pacific .................................................................. 2.5 0.2 0.0 – – –

1 An employee is not entitled to any accrued benefits until satisfying the requirement for 100 percent vesting. 2 An employee is entitled to a gradually increasing share of benefits determined by years of service, eventually reaching 100 percent vesting status. 3 Less than 0.05. 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 25. Defined benefit plans: Integration with Social Security, private industry workers, National

Compensation Survey, 2014

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Benefits

integrated

with Social

Security

Type of integrated formula Benefits not

integrated

with Social

Security

Not covered

under Social

Security

Social

Security

breakpoint1

Offset by

Social

Security2

Cash balance

Worker characteristics

All workers ............................................................... – 16 9 – 71 –

Management, professional, and related .................. – 14 13 – 64 –

Management, business, and financial ................. – 12 – 7 62 –

Professional and related ...................................... – 16 11 – 65 –

Service ..................................................................... – – – – 74 –

Sales and office ....................................................... – 16 7 – 72 –

Sales and related ................................................. 27 – – – 73 –

Office and administrative support ........................ – 13 8 – 72 –

Natural resources, construction, and maintenance 20 – 9 – 80 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – 90 –

Installation, maintenance, and repair ................... 30 20 – – 70 –

Production, transportation, and material moving ..... 26 19 – – 74 –

Production ............................................................ 27 – – – 73 –

Transportation and material moving .................... 25 19 – – 75 –

Full time ................................................................... – 16 10 – 68 –

Part time .................................................................. – 7 – – 89 –

Union ....................................................................... – – 6 – 82 –

Nonunion ................................................................. – 21 12 – 64 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 16 – – – 84 –

Lowest 10 percent ........................................... – – – – 90 –

Second 25 percent ............................................... – 24 – 2 66 –

Third 25 percent ................................................... – 15 5 – 72 –

Highest 25 percent ............................................... – 15 13 – 69 –

Highest 10 percent ........................................... – 15 – 4 64 –

Establishment characteristics

Goods-producing industries ..................................... 35 20 – – 65 –

Construction ......................................................... – – – – 91 –

Manufacturing ...................................................... 40 29 – – 60 –

Service-providing industries ..................................... – 14 7 – 73 –

Trade, transportation, and utilities ....................... 23 11 – – 77 –

Wholesale trade ............................................... – – – – 54 –

Retail trade ...................................................... – – – – 83 –

Transportation and warehousing ..................... – – – – 75 –

Utilities ............................................................. – – – – 90 –

Information ........................................................... – – – – 87 –

Financial activities ................................................ 30 15 6 9 70 –

Finance and insurance .................................... 31 15 6 10 69 –

Credit intermediation and related activities .. 13 – – – 87 –

Insurance carriers and related activities ...... 49 18 13 18 51 –

Professional and business services ..................... – – – – 67 –

Education and health services ............................. – – – – 65 –

Educational services:

Junior colleges, colleges, and universities – – – – 71 –

Health care and social assistance ................... – – – – 60 –

See footnotes at end of table.
Table 25. Defined benefit plans: Integration with Social Security, private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Benefits

integrated

with Social

Security

Type of integrated formula Benefits not

integrated

with Social

Security

Not covered

under Social

Security

Social

Security

breakpoint1

Offset by

Social

Security2

Cash balance

1 to 99 workers ........................................................ 31 23 – – 69 –

1 to 49 workers .................................................... 30 19 – – 70 –

50 to 99 workers .................................................. 33 – – – 67 –

100 workers or more ................................................ – 13 10 – 71 –

100 to 499 workers .............................................. – 11 – – 78 –

500 workers or more ............................................ – 14 17 – 64 –

Geographic areas

Northeast ................................................................. 29 14 – – 71 –

New England ....................................................... – – – – 80 –

Middle Atlantic ..................................................... 31 17 – – 69 –

South ....................................................................... – 24 – 3 58 –

South Atlantic ....................................................... – 23 11 – 63 –

East South Central ............................................... 44 – – – 56 –

West South Central .............................................. 50 – – – 50 –

Midwest .................................................................... 20 12 – – 80 –

East North Central ............................................... 23 – 6 – 77 –

West North Central .............................................. – 5 – – 86 –

West ......................................................................... – 9 – – 76 –

Mountain .............................................................. 21 18 – – 79 –

Pacific .................................................................. – 6 – – 75 –

1 Benefit as calculated by formula is reduced by portion of primary Social Security payment. 2 Formula applies lower benefit rate to earnings subject to FICA (Social Security) taxes or below a specified dollar amount. 3 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 25. Standard errors for defined benefit plans: Integration with Social Security, private industry

workers, National Compensation Survey, 2014

Characteristics

Benefits

integrated

with Social

Security

Type of integrated formula Benefits not

integrated

with Social

Security

Not covered

under Social

Security

Social

Security

breakpoint1

Offset by

Social

Security2

Cash balance

Worker characteristics

All workers ............................................................... – 1.7 1.9 – 3.0 –

Management, professional, and related .................. – 2.0 3.7 – 4.8 –

Management, business, and financial ................. – 2.6 – 1.9 5.8 –

Professional and related ...................................... – 2.9 2.9 – 6.0 –

Service ..................................................................... – – – – 9.2 –

Sales and office ....................................................... – 2.6 1.9 – 3.9 –

Sales and related ................................................. 7.3 – – – 7.3 –

Office and administrative support ........................ – 2.1 2.0 – 3.8 –

Natural resources, construction, and maintenance 3.9 – 2.6 – 3.9 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – 3.8 –

Installation, maintenance, and repair ................... 6.8 6.0 – – 6.8 –

Production, transportation, and material moving ..... 4.8 4.4 – – 4.8 –

Production ............................................................ 7.0 – – – 7.0 –

Transportation and material moving .................... 5.5 4.9 – – 5.5 –

Full time ................................................................... – 1.9 2.0 – 3.1 –

Part time .................................................................. – 2.0 – – 3.4 –

Union ....................................................................... – – 1.5 – 4.8 –

Nonunion ................................................................. – 2.4 2.7 – 3.6 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 4.7 – – – 4.7 –

Lowest 10 percent ........................................... – – – – 4.9 –

Second 25 percent ............................................... – 4.7 – 0.7 4.8 –

Third 25 percent ................................................... – 3.5 1.1 – 5.1 –

Highest 25 percent ............................................... – 1.7 3.2 – 3.3 –

Highest 10 percent ........................................... – 3.0 – 1.1 5.4 –

Establishment characteristics

Goods-producing industries ..................................... 6.3 4.8 – – 6.3 –

Construction ......................................................... – – – – 4.6 –

Manufacturing ...................................................... 7.5 6.7 – – 7.5 –

Service-providing industries ..................................... – 1.7 1.9 – 3.3 –

Trade, transportation, and utilities ....................... 4.3 3.0 – – 4.3 –

Wholesale trade ............................................... – – – – 10.2 –

Retail trade ...................................................... – – – – 4.7 –

Transportation and warehousing ..................... – – – – 9.4 –

Utilities ............................................................. – – – – 2.7 –

Information ........................................................... – – – – 4.5 –

Financial activities ................................................ 4.4 2.7 1.5 2.2 4.4 –

Finance and insurance .................................... 4.3 2.7 1.6 2.2 4.3 –

Credit intermediation and related activities .. 3.1 – – – 3.1 –

Insurance carriers and related activities ...... 6.2 4.1 3.4 3.6 6.2 –

Professional and business services ..................... – – – – 13.1 –

Education and health services ............................. – – – – 10.4 –

Educational services:

Junior colleges, colleges, and universities – – – – 6.1 –

Health care and social assistance ................... – – – – 12.0 –

See footnotes at end of table.
Table 25. Standard errors for defined benefit plans: Integration with Social Security, private industry

workers, National Compensation Survey, 2014—continued

Characteristics

Benefits

integrated

with Social

Security

Type of integrated formula Benefits not

integrated

with Social

Security

Not covered

under Social

Security

Social

Security

breakpoint1

Offset by

Social

Security2

Cash balance

1 to 99 workers ........................................................ 5.1 4.3 – – 5.1 –

1 to 49 workers .................................................... 7.0 4.2 – – 7.0 –

50 to 99 workers .................................................. 8.6 – – – 8.6 –

100 workers or more ................................................ – 2.1 2.2 – 3.5 –

100 to 499 workers .............................................. – 2.4 – – 5.5 –

500 workers or more ............................................ – 3.3 3.9 – 4.5 –

Geographic areas

Northeast ................................................................. 5.8 3.2 – – 5.8 –

New England ....................................................... – – – – 8.9 –

Middle Atlantic ..................................................... 6.8 4.0 – – 6.8 –

South ....................................................................... – 4.0 – 0.9 5.4 –

South Atlantic ....................................................... – 4.4 3.4 – 4.9 –

East South Central ............................................... 13.1 – – – 13.1 –

West South Central .............................................. 12.3 – – – 12.3 –

Midwest .................................................................... 4.4 3.6 – – 4.4 –

East North Central ............................................... 5.7 – 1.4 – 5.7 –

West North Central .............................................. – 1.3 – – 6.1 –

West ......................................................................... – 2.0 – – 8.7 –

Mountain .............................................................. 4.4 4.2 – – 4.4 –

Pacific .................................................................. – 1.7 – – 11.3 –

1 Benefit as calculated by formula is reduced by portion of primary Social Security payment. 2 Formula applies lower benefit rate to earnings subject to FICA (Social Security) taxes or below a specified dollar amount. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 26. Defined benefit plans: Availability of selected benefit features,1

 private industry workers, National

Compensation Survey, 2014

(In percent)

Characteristics

Lump-sum payment at

normal retirement

Disability retirement

benefits

Joint-and-survivor

annuity

Preretirement survivor

benefits

Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional

Worker characteristics

All workers ............................................................... 34 88 82 63 100 100 99 93

Management, professional, and related .................. 40 89 77 69 100 100 100 93

Management, business, and financial ................. 41 95 81 73 100 100 100 94

Professional and related ...................................... 40 82 75 66 100 100 99 90

Service ..................................................................... – 92 93 – 100 100 100 –

Sales and office ....................................................... 24 99 82 52 100 100 100 89

Sales and related ................................................. – 100 80 – 100 100 100 100

Office and administrative support ........................ 29 99 82 54 100 100 100 87

Natural resources, construction, and maintenance 38 90 85 69 100 100 98 100

Construction, extraction, farming, fishing, and

forestry ............................................................... 22 – 87 – 100 – 95 –

Installation, maintenance, and repair ................... 56 93 83 69 100 100 100 100

Production, transportation, and material moving ..... 28 71 83 61 100 100 100 100

Production ............................................................ 35 57 73 72 100 100 100 100

Transportation and material moving .................... 23 96 91 – 100 100 100 100

Full time ................................................................... 36 88 81 65 100 100 99 95

Part time .................................................................. 17 87 92 – 100 100 100 –

Union ....................................................................... 29 98 90 – 100 100 99 86

Nonunion ................................................................. 39 87 74 64 100 100 100 94

Average wage within the following categories2:

Lowest 25 percent ............................................... – – 95 – 100 – 100 –

Second 25 percent ............................................... 25 93 80 69 100 100 100 90

Third 25 percent ................................................... 28 84 84 59 100 100 100 93

Highest 25 percent ............................................... 43 89 80 66 100 100 99 94

Highest 10 percent ........................................... 44 88 77 67 100 100 100 94

Establishment characteristics

Goods-producing industries ..................................... 37 47 81 80 100 100 98 100

Construction ......................................................... 24 – 85 – 100 – 95 –

Manufacturing ...................................................... 37 47 80 80 100 100 100 100

Service-providing industries ..................................... 32 97 83 59 100 100 100 92

Trade, transportation, and utilities ....................... 15 97 86 44 100 100 100 100

Wholesale trade ............................................... – – 85 – 100 – 100 –

Retail trade ...................................................... – – 89 – 100 – 100 –

Transportation and warehousing ..................... – – 98 – 100 – 100 –

Utilities ............................................................. – 97 – 89 100 100 100 100

Information ........................................................... 83 – 71 – 100 – 98 –

Financial activities ................................................ 23 99 75 64 100 100 100 88

Finance and insurance .................................... 24 99 73 66 100 100 100 88

Credit intermediation and related activities .. – 100 92 68 100 100 100 83

Insurance carriers and related activities ...... 22 97 79 62 100 100 100 92

Education and health services ............................. – – 74 – 100 – 100 –

Educational services:

Junior colleges, colleges, and universities – – 74 – 100 – 100 –

Health care and social assistance ................... – – 77 – 100 – 100 –

See footnotes at end of table.
Table 26. Defined benefit plans: Availability of selected benefit features,1

 private industry workers, National

Compensation Survey, 2014—continued

(In percent)

Characteristics

Lump-sum payment at

normal retirement

Disability retirement

benefits

Joint-and-survivor

annuity

Preretirement survivor

benefits

Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional

1 to 99 workers ........................................................ 35 99 74 66 100 100 98 90

1 to 49 workers .................................................... 41 98 73 67 100 100 97 87

50 to 99 workers .................................................. 27 100 76 64 100 100 100 96

100 workers or more ................................................ 33 86 86 62 100 100 100 94

100 to 499 workers .............................................. 28 100 86 65 100 100 100 99

500 workers or more ............................................ 39 75 85 60 100 100 100 90

Geographic areas

Northeast ................................................................. 31 92 88 – 100 100 98 81

New England ....................................................... 48 94 79 61 100 100 91 –

Middle Atlantic ..................................................... 26 91 90 – 100 100 100 83

South ....................................................................... 46 94 75 70 100 100 100 93

South Atlantic ....................................................... 45 91 76 67 100 100 100 92

East South Central ............................................... 42 – 71 – 100 – 100 –

West South Central .............................................. 49 99 74 75 100 100 100 93

Midwest .................................................................... 28 77 84 68 100 100 100 100

East North Central ............................................... 30 66 81 73 100 100 100 100

West North Central .............................................. – 97 92 – 100 100 100 100

West ......................................................................... 24 96 85 68 100 100 100 96

Mountain .............................................................. 44 – 90 – 100 – 100 –

Pacific .................................................................. – 94 84 65 100 100 99 96

1 See glossary for additional information on these selected benefit features. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 26. Standard errors for defined benefit plans: Availability of selected benefit features,1

 private industry

workers, National Compensation Survey, 2014

Characteristics

Lump-sum payment at

normal retirement

Disability retirement

benefits

Joint-and-survivor

annuity

Preretirement survivor

benefits

Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional

Worker characteristics

All workers ............................................................... 3.0 3.3 1.8 5.6 0.0 0.0 0.5 1.3

Management, professional, and related .................. 6.5 4.0 3.8 6.2 0.0 0.0 0.3 2.4

Management, business, and financial ................. 9.1 2.2 4.0 6.9 0.0 0.0 0.0 3.0

Professional and related ...................................... 7.9 6.7 4.8 7.2 0.0 0.0 0.5 3.1

Service ..................................................................... – 8.5 3.8 – 0.0 0.0 0.0 –

Sales and office ....................................................... 3.9 0.3 4.0 7.9 0.0 0.0 0.0 3.6

Sales and related ................................................. – 0.0 6.6 – 0.0 0.0 0.0 0.0

Office and administrative support ........................ 5.1 0.4 4.2 7.8 0.0 0.0 0.0 4.3

Natural resources, construction, and maintenance 4.9 6.7 4.0 9.0 0.0 0.0 2.4 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.2 – 7.0 – 0.0 – 4.5 –

Installation, maintenance, and repair ................... 4.9 6.4 3.6 10.3 0.0 0.0 0.0 0.0

Production, transportation, and material moving ..... 4.2 7.8 3.3 10.9 0.0 0.0 0.0 0.0

Production ............................................................ 4.8 9.6 5.4 13.4 0.0 0.0 0.0 0.0

Transportation and material moving .................... 5.9 3.7 3.0 – 0.0 0.0 0.0 0.0

Full time ................................................................... 3.2 3.2 2.1 5.6 0.0 0.0 0.5 1.3

Part time .................................................................. 5.1 12.5 2.5 – 0.0 0.0 0.4 –

Union ....................................................................... 3.9 1.6 1.8 – 0.0 0.0 0.9 12.6

Nonunion ................................................................. 4.2 3.6 3.1 5.0 0.0 0.0 0.0 1.9

Average wage within the following categories2:

Lowest 25 percent ............................................... – – 2.3 – 0.0 – 0.0 –

Second 25 percent ............................................... 4.4 7.3 4.6 7.1 0.0 0.0 0.0 3.8

Third 25 percent ................................................... 3.7 7.4 3.5 8.2 0.0 0.0 0.0 2.6

Highest 25 percent ............................................... 4.3 3.5 2.6 6.7 0.0 0.0 0.9 1.5

Highest 10 percent ........................................... 7.2 5.3 3.9 8.7 0.0 0.0 0.3 3.5

Establishment characteristics

Goods-producing industries ..................................... 5.7 8.5 3.4 5.8 0.0 0.0 1.5 0.0

Construction ......................................................... 7.0 – 7.2 – 0.0 – 4.6 –

Manufacturing ...................................................... 5.4 8.5 4.4 5.8 0.0 0.0 0.0 0.0

Service-providing industries ..................................... 3.7 1.8 2.5 6.7 0.0 0.0 0.1 1.6

Trade, transportation, and utilities ....................... 3.7 2.0 2.6 10.4 0.0 0.0 0.0 0.0

Wholesale trade ............................................... – – 9.6 – 0.0 – 0.0 –

Retail trade ...................................................... – – 3.2 – 0.0 – 0.0 –

Transportation and warehousing ..................... – – 2.1 – 0.0 – 0.0 –

Utilities ............................................................. – 2.3 – 5.8 0.0 0.0 0.0 0.0

Information ........................................................... 3.0 – 10.7 – 0.0 – 1.3 –

Financial activities ................................................ 5.6 1.0 6.7 5.2 0.0 0.0 0.0 3.4

Finance and insurance .................................... 5.5 1.0 6.4 4.9 0.0 0.0 0.0 3.5

Credit intermediation and related activities .. – 0.0 4.9 7.1 0.0 0.0 0.0 4.9

Insurance carriers and related activities ...... 6.5 2.8 8.3 6.5 0.0 0.0 0.0 5.4

Education and health services ............................. – – 6.5 – 0.0 – 0.0 –

Educational services:

Junior colleges, colleges, and universities – – 6.7 – 0.0 – 0.0 –

Health care and social assistance ................... – – 7.3 – 0.0 – 0.0 –

See footnotes at end of table.
Table 26. Standard errors for defined benefit plans: Availability of selected benefit features,1

 private industry

workers, National Compensation Survey, 2014—continued

Characteristics

Lump-sum payment at

normal retirement

Disability retirement

benefits

Joint-and-survivor

annuity

Preretirement survivor

benefits

Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional

1 to 99 workers ........................................................ 4.4 1.2 5.3 7.3 0.0 0.0 1.6 2.9

1 to 49 workers .................................................... 5.8 1.8 7.3 7.5 0.0 0.0 2.9 4.3

50 to 99 workers .................................................. 7.0 0.0 5.8 14.5 0.0 0.0 0.0 3.6

100 workers or more ................................................ 4.1 4.1 1.8 6.5 0.0 0.0 0.1 1.2

100 to 499 workers .............................................. 4.8 0.2 2.9 9.1 0.0 0.0 0.2 1.1

500 workers or more ............................................ 6.7 6.3 2.7 8.7 0.0 0.0 0.2 1.8

Geographic areas

Northeast ................................................................. 5.0 6.8 3.6 – 0.0 0.0 1.9 3.8

New England ....................................................... 11.9 5.0 10.9 15.8 0.0 0.0 8.1 –

Middle Atlantic ..................................................... 6.0 8.2 3.0 – 0.0 0.0 0.2 6.9

South ....................................................................... 6.2 2.7 2.9 8.2 0.0 0.0 0.0 3.9

South Atlantic ....................................................... 7.0 4.7 3.1 11.5 0.0 0.0 0.0 5.8

East South Central ............................................... 11.6 – 10.6 – 0.0 – 0.0 –

West South Central .............................................. 13.6 0.5 5.9 13.2 0.0 0.0 0.0 6.2

Midwest .................................................................... 4.7 7.1 4.2 8.4 0.0 0.0 0.0 0.0

East North Central ............................................... 5.9 9.2 5.1 4.3 0.0 0.0 0.0 0.0

West North Central .............................................. – 1.9 4.8 – 0.0 0.0 0.0 0.0

West ......................................................................... 6.6 1.8 3.2 9.7 0.0 0.0 0.4 2.7

Mountain .............................................................. 9.5 – 4.7 – 0.0 – 0.0 –

Pacific .................................................................. – 2.7 4.1 12.9 0.0 0.0 0.6 2.9

1 See glossary for additional information on these selected benefit features. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 27. Cash balance plans: Employer contributions, private industry workers, National Compensation Survey, 2014

(All workers participating in cash balance plans = 100 percent)

Characteristics

Flat rate

percentage

contribution

Mean flat rate

(in percent)

Variable

percentage

contribution

Contributions vary by1

Social

Security

taxable

wage

base

Age Service Earnings Other

Worker characteristics

All workers ............................................................... 12 3.79 88 8 73 77 – –

Management, professional, and related .................. – – – 10 73 76 – –

Management, business, and financial ................. – – – 13 68 73 – –

Professional and related ...................................... – – – – 79 80 – –

Service ..................................................................... – – – – – 91 – –

Sales and office ....................................................... – – – 9 69 76 – –

Sales and related ................................................. – – – – 84 64 – –

Office and administrative support ........................ – – – 10 65 79 – –

Natural resources, construction, and maintenance – – – – 42 55 – –

Installation, maintenance, and repair ................... – – – – 43 58 – –

Production, transportation, and material moving ..... – – – – 94 91 – –

Production ............................................................ – – – – 96 85 – –

Transportation and material moving .................... – – 100 – 92 100 – –

Full time ................................................................... 12 3.85 88 9 74 77 – –

Part time .................................................................. – – – – 56 87 – –

Union ....................................................................... – – – – 65 84 – –

Nonunion ................................................................. 13 3.70 87 8 73 77 – –

Average wage within the following categories2:

Second 25 percent ............................................... – – – 10 68 81 – –

Third 25 percent ................................................... 11 4.00 89 7 69 81 – –

Highest 25 percent ............................................... – – – 9 74 75 – –

Highest 10 percent ........................................... – – – – 75 72 – –

Service-providing industries ..................................... – – – 9 69 80 – –

Trade, transportation, and utilities ....................... 20 4.80 80 – 73 75 – –

Utilities ............................................................. 62 4.78 38 – 34 – – –

Financial activities ................................................ – – – 13 65 73 – –

Finance and insurance .................................... – – – 14 63 74 – –

Credit intermediation and related activities .. – – – – 65 83 – –

Insurance carriers and related activities ...... – – – 29 58 58 – –

1 to 99 workers ........................................................ – – – – 64 78 – –

1 to 49 workers .................................................... – – – – 68 80 – –

50 to 99 workers .................................................. – – – – 52 72 – –

100 workers or more ................................................ – – – 9 75 77 – –

100 to 499 workers .............................................. – – – – 83 82 – –

500 workers or more ............................................ – – – 12 68 74 – –

See footnotes at end of table.
Table 27. Cash balance plans: Employer contributions, private industry workers, National Compensation Survey,

2014—continued

(All workers participating in cash balance plans = 100 percent)

Characteristics

Flat rate

percentage

contribution

Mean flat rate

(in percent)

Variable

percentage

contribution

Contributions vary by1

Social

Security

taxable

wage

base

Age Service Earnings Other

Geographic areas

Northeast ................................................................. – – – – 66 77 – –

New England ....................................................... – – – – – 72 – –

Middle Atlantic ..................................................... – – – – 70 79 – –

South ....................................................................... 9 4.25 91 10 79 83 – –

South Atlantic ....................................................... – – – 7 83 87 – –

West South Central .............................................. – – – – 76 73 – –

Midwest .................................................................... – – – – 70 75 – –

East North Central ............................................... – – – – 53 64 – –

West North Central .............................................. – – – – 90 86 – –

West ......................................................................... – – – – 74 74 – –

Pacific .................................................................. – – – – 87 84 – –

1 The sum of individual categories may exceed the total because many workers may be in plans in which contributions vary by more than one characteristic. 2 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

2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 27. Standard errors for cash balance plans: Employer contributions, private industry workers, National

Compensation Survey, 2014

Characteristics

Flat rate

percentage

contribution

Mean flat rate

(in percent)

Variable

percentage

contribution

Contributions vary by

Social

Security

taxable

wage

base

Age Service Earnings Other

Worker characteristics

All workers ............................................................... 3.5 0.24 3.5 1.7 4.2 4.2 – –

Management, professional, and related .................. – – – 2.5 5.2 5.5 – –

Management, business, and financial ................. – – – 3.6 7.1 7.0 – –

Professional and related ...................................... – – – – 5.7 7.2 – –

Service ..................................................................... – – – – – 8.9 – –

Sales and office ....................................................... – – – 2.6 6.5 6.5 – –

Sales and related ................................................. – – – – 11.5 10.8 – –

Office and administrative support ........................ – – – 2.8 6.6 6.0 – –

Natural resources, construction, and maintenance – – – – 10.3 10.7 – –

Installation, maintenance, and repair ................... – – – – 12.6 12.7 – –

Production, transportation, and material moving ..... – – – – 3.9 5.4 – –

Production ............................................................ – – – – 2.3 9.5 – –

Transportation and material moving .................... – – 0.0 – 8.3 0.4 – –

Full time ................................................................... 3.4 0.24 3.4 1.8 4.1 4.2 – –

Part time .................................................................. – – – – 10.9 12.5 – –

Union ....................................................................... – – – – 14.6 6.2 – –

Nonunion ................................................................. 3.7 0.23 3.7 1.8 4.3 4.4 – –

Average wage within the following categories1:

Second 25 percent ............................................... – – – 2.9 8.7 8.1 – –

Third 25 percent ................................................... 2.7 0.23 2.7 2.0 5.4 4.3 – –

Highest 25 percent ............................................... – – – 2.2 5.1 5.4 – –

Highest 10 percent ........................................... – – – – 5.2 6.8 – –

Service-providing industries ..................................... – – – 1.9 4.7 4.4 – –

Trade, transportation, and utilities ....................... 5.0 0.31 5.0 – 7.1 7.0 – –

Utilities ............................................................. 8.3 0.33 8.3 – 7.9 – – –

Financial activities ................................................ – – – 3.4 6.0 6.7 – –

Finance and insurance .................................... – – – 3.5 6.0 6.7 – –

Credit intermediation and related activities .. – – – – 9.9 11.5 – –

Insurance carriers and related activities ...... – – – 6.1 7.3 6.2 – –

1 to 99 workers ........................................................ – – – – 5.7 6.2 – –

1 to 49 workers .................................................... – – – – 7.0 7.7 – –

50 to 99 workers .................................................. – – – – 13.7 13.3 – –

100 workers or more ................................................ – – – 1.8 4.8 4.9 – –

100 to 499 workers .............................................. – – – – 7.0 7.0 – –

500 workers or more ............................................ – – – 2.8 6.4 6.3 – –

See footnotes at end of table.
Table 27. Standard errors for cash balance plans: Employer contributions, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

Flat rate

percentage

contribution

Mean flat rate

(in percent)

Variable

percentage

contribution

Contributions vary by

Social

Security

taxable

wage

base

Age Service Earnings Other

Geographic areas

Northeast ................................................................. – – – – 7.5 8.8 – –

New England ....................................................... – – – – – 15.4 – –

Middle Atlantic ..................................................... – – – – 7.3 9.0 – –

South ....................................................................... 2.2 0.40 2.2 3.1 4.8 4.9 – –

South Atlantic ....................................................... – – – 2.2 5.2 6.5 – –

West South Central .............................................. – – – – 8.6 9.7 – –

Midwest .................................................................... – – – – 9.8 8.4 – –

East North Central ............................................... – – – – 15.7 11.6 – –

West North Central .............................................. – – – – 6.0 9.2 – –

West ......................................................................... – – – – 12.9 13.0 – –

Pacific .................................................................. – – – – 7.1 8.2 – –

1 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

2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 28. Traditional defined benefit plans: Availability of lump-sum benefits at retirement,

private industry workers, National Compensation Survey, 2014

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics Lump-sum

available

Type of lump-sum

Lump-sum

not available

Not

Full determinable

lump-sum

Partial

lump-sum

with reduced

annuity

Worker characteristics

All workers ............................................................... 34 29 5 66 1 ( )

Management, professional, and related .................. 40 – – 59 1 ( )

Management, business, and financial ................. 41 – – 59 –

Professional and related ...................................... 40 40 – 59 1

Service ..................................................................... – – – 67 –

Sales and office ....................................................... 24 – – 76 –

Sales and related ................................................. – – – 90 –

Office and administrative support ........................ 29 – – 71 –

Natural resources, construction, and maintenance 38 – – 62 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 22 – – 78 –

Installation, maintenance, and repair ................... 56 – – 44 –

Production, transportation, and material moving ..... 28 – – 72 –

Production ............................................................ 35 35 – 65 –

Transportation and material moving .................... 23 – – 77 –

Full time ................................................................... 36 32 4 64 1 ( )

Part time .................................................................. 17 – – 82 1 ( )

Union ....................................................................... 29 21 8 71 1 ( )

Nonunion ................................................................. 39 – – 61 –

Average wage within the following categories2:

Lowest 25 percent ............................................... – – – 93 –

Second 25 percent ............................................... 25 – – 75 –

Third 25 percent ................................................... 28 22 6 72 –

Highest 25 percent ............................................... 43 – – 56 1 ( )

Highest 10 percent ........................................... 44 – – 56 1 ( )

Establishment characteristics

Goods-producing industries ..................................... 37 – – 63 –

Construction ......................................................... 24 – – 76 –

Manufacturing ...................................................... 37 – – 63 –

Service-providing industries ..................................... 32 – – 67 1 ( )

Trade, transportation, and utilities ....................... 15 – – 85 –

Wholesale trade ............................................... – – – 78 –

Retail trade ...................................................... – – – 90 –

Transportation and warehousing ..................... – – – 84 –

Utilities ............................................................. – – – 79 –

Information ........................................................... 83 83 – – –

Financial activities ................................................ 23 – – 77 –

Finance and insurance .................................... 24 – – 76 –

Credit intermediation and related activities .. – – – 63 –

Insurance carriers and related activities ...... 22 22 – 78 –

Education and health services ............................. – – – 71 –

Educational services:

Junior colleges, colleges, and universities – – – 54 –

Health care and social assistance ................... – – – 71 –

See footnotes at end of table.
Table 28. Traditional defined benefit plans: Availability of lump-sum benefits at retirement,

private industry workers, National Compensation Survey, 2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics Lump-sum

available

Type of lump-sum

Lump-sum

not available

Not

Full determinable

lump-sum

Partial

lump-sum

with reduced

annuity

1 to 99 workers ........................................................ 35 – – 65 –

1 to 49 workers .................................................... 41 – – 59 –

50 to 99 workers .................................................. 27 – – 73 –

100 workers or more ................................................ 33 27 6 67 1 ( )

100 to 499 workers .............................................. 28 – – 72 1 ( )

500 workers or more ............................................ 39 – – 61 1 ( )

Geographic areas

Northeast ................................................................. 31 – – 69 1 ( )

New England ....................................................... 48 – – 52 –

Middle Atlantic ..................................................... 26 – – 73 1 ( )

South ....................................................................... 46 – – 54 –

South Atlantic ....................................................... 45 – – 55 –

East South Central ............................................... 42 – – 58 –

West South Central .............................................. 49 – – 51 –

Midwest .................................................................... 28 – – 72 –

East North Central ............................................... 30 – – 70 –

West North Central .............................................. – – – 76 –

West ......................................................................... 24 – – 75 1 ( )

Mountain .............................................................. 44 – – 56 –

Pacific .................................................................. – – – 81 –

1 Less than 0.5. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 28. Standard errors for traditional defined benefit plans: Availability of lump-sum

benefits at retirement, private industry workers, National Compensation Survey, 2014

Characteristics Lump-sum

available

Type of lump-sum

Lump-sum

not available

Not

Full determinable

lump-sum

Partial

lump-sum

with reduced

annuity

Worker characteristics

All workers ............................................................... 3.0 2.9 1.1 3.0 0.1

Management, professional, and related .................. 6.5 – – 6.5 0.3

Management, business, and financial ................. 9.1 – – 9.1 –

Professional and related ...................................... 7.9 7.9 – 8.0 0.5

Service ..................................................................... – – – 10.4 –

Sales and office ....................................................... 3.9 – – 3.9 –

Sales and related ................................................. – – – 3.7 –

Office and administrative support ........................ 5.1 – – 5.1 –

Natural resources, construction, and maintenance 4.9 – – 4.9 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.2 – – 6.2 –

Installation, maintenance, and repair ................... 4.9 – – 4.9 –

Production, transportation, and material moving ..... 4.2 – – 4.2 –

Production ............................................................ 4.8 4.8 – 4.8 –

Transportation and material moving .................... 5.9 – – 5.9 –

Full time ................................................................... 3.2 3.2 1.1 3.2 0.1

Part time .................................................................. 5.1 – – 5.0 0.4

Union ....................................................................... 3.9 3.4 1.7 3.9 0.2

Nonunion ................................................................. 4.2 – – 4.2 –

Average wage within the following categories1:

Lowest 25 percent ............................................... – – – 4.0 –

Second 25 percent ............................................... 4.4 – – 4.4 –

Third 25 percent ................................................... 3.7 3.4 1.6 3.7 –

Highest 25 percent ............................................... 4.3 – – 4.3 0.2

Highest 10 percent ........................................... 7.2 – – 7.2 0.3

Establishment characteristics

Goods-producing industries ..................................... 5.7 – – 5.7 –

Construction ......................................................... 7.0 – – 7.0 –

Manufacturing ...................................................... 5.4 – – 5.4 –

Service-providing industries ..................................... 3.7 – – 3.7 0.1

Trade, transportation, and utilities ....................... 3.7 – – 3.7 –

Wholesale trade ............................................... – – – 10.4 –

Retail trade ...................................................... – – – 3.3 –

Transportation and warehousing ..................... – – – 7.6 –

Utilities ............................................................. – – – 7.9 –

Information ........................................................... 3.0 3.0 – – –

Financial activities ................................................ 5.6 – – 5.6 –

Finance and insurance .................................... 5.5 – – 5.5 –

Credit intermediation and related activities .. – – – 8.5 –

Insurance carriers and related activities ...... 6.5 6.5 – 6.5 –

Education and health services ............................. – – – 9.2 –

Educational services:

Junior colleges, colleges, and universities – – – 10.4 –

Health care and social assistance ................... – – – 11.3 –

See footnotes at end of table.
Table 28. Standard errors for traditional defined benefit plans: Availability of lump-sum

benefits at retirement, private industry workers, National Compensation Survey,

2014—continued

Characteristics Lump-sum

available

Type of lump-sum

Lump-sum

not available

Not

Full determinable

lump-sum

Partial

lump-sum

with reduced

annuity

1 to 99 workers ........................................................ 4.4 – – 4.4 –

1 to 49 workers .................................................... 5.8 – – 5.8 –

50 to 99 workers .................................................. 7.0 – – 7.0 –

100 workers or more ................................................ 4.1 3.9 1.5 4.1 0.1

100 to 499 workers .............................................. 4.8 – – 4.8 0.2

500 workers or more ............................................ 6.7 – – 6.7 0.2

Geographic areas

Northeast ................................................................. 5.0 – – 5.1 0.2

New England ....................................................... 11.9 – – 11.9 –

Middle Atlantic ..................................................... 6.0 – – 6.2 0.2

South ....................................................................... 6.2 – – 6.2 –

South Atlantic ....................................................... 7.0 – – 7.0 –

East South Central ............................................... 11.6 – – 11.6 –

West South Central .............................................. 13.6 – – 13.6 –

Midwest .................................................................... 4.7 – – 4.7 –

East North Central ............................................... 5.9 – – 5.9 –

West North Central .............................................. – – – 8.0 –

West ......................................................................... 6.6 – – 6.7 0.4

Mountain .............................................................. 9.5 – – 9.5 –

Pacific .................................................................. – – – 7.8 –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 29. Traditional defined benefit plans: Maximum benefit provisions, private industry workers, National Compensation

Survey, 2014

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Subject to

maximum

years of

credited

service

Maximum years of credited service Not subject to

maximum

years of

credited

service

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 34 30 30 35 35 40 66 –

Management, professional, and related .................. 39 30 30 35 40 40 61 –

Management, business, and financial ................. 42 30 30 35 35 40 58 –

Professional and related ...................................... 38 30 30 35 40 40 62 –

Service ..................................................................... – – – – – – 78 –

Sales and office ....................................................... 37 30 30 35 40 40 63 –

Sales and related ................................................. 35 25 30 35 35 40 65 –

Office and administrative support ........................ 38 30 30 35 40 40 62 –

Natural resources, construction, and maintenance 26 30 30 30 35 – 74 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 82 –

Installation, maintenance, and repair ................... – – – – – – 66 –

Production, transportation, and material moving ..... 37 25 30 35 35 35 63 –

Production ............................................................ 26 35 35 35 35 35 74 –

Transportation and material moving .................... 46 25 30 35 35 35 54 –

Full time ................................................................... 35 30 30 35 35 40 65 –

Part time .................................................................. 24 30 35 35 35 40 76 –

Union ....................................................................... 31 30 30 35 35 40 69 –

Nonunion ................................................................. 38 30 30 35 35 40 62 –

Average wage within the following categories1:

Lowest 25 percent ............................................... – – – – – – 89 –

Second 25 percent ............................................... 44 30 35 35 35 40 56 –

Third 25 percent ................................................... 37 25 30 35 40 40 63 –

Highest 25 percent ............................................... 33 30 30 35 35 40 67 –

Highest 10 percent ........................................... 33 30 30 35 35 40 67 –

Establishment characteristics

Goods-producing industries ..................................... 22 30 35 35 35 40 78 –

Construction ......................................................... – – – – – – 81 –

Manufacturing ...................................................... 26 35 35 35 35 40 74 –

Service-providing industries ..................................... 40 30 30 35 – 40 60 –

Trade, transportation, and utilities ....................... 39 25 30 35 35 40 61 –

Wholesale trade ............................................... – – – – – – 50 –

Retail trade ...................................................... 19 25 30 35 35 40 81 –

Transportation and warehousing ..................... 52 25 30 35 35 35 48 –

Utilities ............................................................. 64 30 – – 40 40 – –

Information ........................................................... 43 30 30 30 30 30 57 –

Financial activities ................................................ 61 30 – 35 35 35 39 –

Finance and insurance .................................... 65 30 – 35 35 35 35 –

Credit intermediation and related activities .. 51 – 30 35 35 40 49 –

Insurance carriers and related activities ...... 73 30 – 35 35 40 – –

Education and health services ............................. – – – – – – 67 –

Educational services:

Junior colleges, colleges, and universities – – – – – – 85 –

Health care and social assistance ................... – – – – – – 61 –

See footnotes at end of table.
Table 29. Traditional defined benefit plans: Maximum benefit provisions, private industry workers, National Compensation

Survey, 2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Subject to

maximum

years of

credited

service

Maximum years of credited service Not subject to

maximum

years of

credited

service

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 40 30 30 35 35 35 60 –

1 to 49 workers .................................................... 39 30 30 30 35 – 61 –

50 to 99 workers .................................................. 42 30 35 35 35 35 58 –

100 workers or more ................................................ 32 30 30 35 40 40 68 –

100 to 499 workers .............................................. 36 30 35 35 40 40 64 –

500 workers or more ............................................ 26 25 30 35 40 40 74 –

Geographic areas

Northeast ................................................................. 28 30 30 35 35 40 72 –

New England ....................................................... – – – – – – 63 –

Middle Atlantic ..................................................... – – – – – – 74 –

South ....................................................................... 38 30 30 35 35 35 62 –

South Atlantic ....................................................... 39 30 30 35 35 35 61 –

East South Central ............................................... 51 30 35 35 35 35 49 –

West South Central .............................................. 30 30 30 35 35 – 70 –

Midwest .................................................................... 23 30 35 35 40 40 77 –

East North Central ............................................... 25 30 35 35 40 40 75 –

West North Central .............................................. 18 30 30 35 35 35 82 –

West ......................................................................... 49 25 30 35 40 40 51 –

Pacific .................................................................. 46 25 30 37 40 40 54 –

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 29. Standard errors for traditional defined benefit plans: Maximum benefit provisions, private industry workers,

National Compensation Survey, 2014

Characteristics

Subject to

maximum

years of

credited

service

Maximum years of credited service Not subject to

maximum

years of

credited

service

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 4.1 0.0 0.0 0.0 4.2 0.0 4.1 –

Management, professional, and related .................. 7.4 0.0 0.7 1.2 1.4 0.0 7.4 –

Management, business, and financial ................. 7.7 0.0 0.4 0.0 2.1 2.1 7.7 –

Professional and related ...................................... 9.0 0.0 1.9 7.4 0.0 0.0 9.0 –

Service ..................................................................... – – – – – – 12.0 –

Sales and office ....................................................... 4.7 6.2 3.2 0.0 4.2 0.0 4.7 –

Sales and related ................................................. 7.3 6.4 6.4 0.0 5.2 1.3 7.3 –

Office and administrative support ........................ 5.1 1.3 1.6 0.0 3.0 0.0 5.1 –

Natural resources, construction, and maintenance 6.8 0.0 0.0 5.9 0.0 – 6.8 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 8.0 –

Installation, maintenance, and repair ................... – – – – – – 10.4 –

Production, transportation, and material moving ..... 5.3 0.9 2.4 0.0 0.0 0.0 5.3 –

Production ............................................................ 7.1 6.9 0.0 0.0 0.0 0.0 7.1 –

Transportation and material moving .................... 7.1 0.0 4.7 2.4 0.0 0.0 7.1 –

Full time ................................................................... 4.3 0.0 0.0 0.0 5.3 0.0 4.3 –

Part time .................................................................. 6.5 2.0 5.5 0.0 0.0 6.0 6.5 –

Union ....................................................................... 6.1 0.0 1.3 0.0 6.5 0.0 6.1 –

Nonunion ................................................................. 4.6 6.9 0.4 0.0 2.7 0.0 4.6 –

Average wage within the following categories1:

Lowest 25 percent ............................................... – – – – – – 4.9 –

Second 25 percent ............................................... 7.6 2.3 0.0 0.0 5.5 0.0 7.6 –

Third 25 percent ................................................... 6.1 5.2 2.8 0.0 7.1 0.0 6.1 –

Highest 25 percent ............................................... 4.7 0.0 0.0 1.8 0.5 1.2 4.7 –

Highest 10 percent ........................................... 5.8 0.0 0.0 1.8 3.1 0.0 5.8 –

Establishment characteristics

Goods-producing industries ..................................... 4.5 2.2 1.3 0.0 0.0 6.4 4.5 –

Construction ......................................................... – – – – – – 9.0 –

Manufacturing ...................................................... 5.7 6.9 0.0 0.0 0.0 4.7 5.7 –

Service-providing industries ..................................... 5.3 4.7 0.0 0.0 – 0.0 5.3 –

Trade, transportation, and utilities ....................... 5.5 1.3 0.0 0.0 2.0 1.3 5.5 –

Wholesale trade ............................................... – – – – – – 11.9 –

Retail trade ...................................................... 5.4 4.7 0.0 5.8 2.6 6.3 5.4 –

Transportation and warehousing ..................... 10.2 1.3 1.3 3.8 0.0 0.0 10.2 –

Utilities ............................................................. 16.0 6.8 – – 3.5 0.0 – –

Information ........................................................... 9.5 0.0 0.0 0.0 0.0 1.8 9.5 –

Financial activities ................................................ 6.5 0.0 – 0.0 0.0 6.5 6.5 –

Finance and insurance .................................... 6.6 0.0 – 0.0 0.0 6.5 6.6 –

Credit intermediation and related activities .. 11.4 – 2.6 1.3 0.0 7.1 11.4 –

Insurance carriers and related activities ...... 9.5 0.0 – 0.0 0.0 7.1 – –

Education and health services ............................. – – – – – – 14.0 –

Educational services:

Junior colleges, colleges, and universities – – – – – – 3.5 –

Health care and social assistance ................... – – – – – – 16.4 –

See footnotes at end of table.
Table 29. Standard errors for traditional defined benefit plans: Maximum benefit provisions, private industry workers,

National Compensation Survey, 2014—continued

Characteristics

Subject to

maximum

years of

credited

service

Maximum years of credited service Not subject to

maximum

years of

credited

service

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 5.7 3.5 0.0 0.0 0.0 2.6 5.7 –

1 to 49 workers .................................................... 6.8 5.1 0.0 2.6 0.0 – 6.8 –

50 to 99 workers .................................................. 8.8 5.6 6.3 0.0 0.0 0.0 8.8 –

100 workers or more ................................................ 5.1 1.6 2.2 0.0 5.8 0.0 5.1 –

100 to 499 workers .............................................. 7.3 0.0 6.6 0.0 6.1 0.0 7.3 –

500 workers or more ............................................ 4.7 4.0 0.0 1.6 6.8 0.0 4.7 –

Geographic areas

Northeast ................................................................. 8.1 0.0 0.0 2.4 2.6 0.0 8.1 –

New England ....................................................... – – – – – – 12.9 –

Middle Atlantic ..................................................... – – – – – – 9.3 –

South ....................................................................... 6.0 0.0 0.0 0.0 0.0 1.0 6.0 –

South Atlantic ....................................................... 8.7 0.0 0.0 0.9 0.0 4.4 8.7 –

East South Central ............................................... 13.3 6.1 0.0 0.0 0.0 0.0 13.3 –

West South Central .............................................. 7.8 7.0 0.0 7.6 0.0 – 7.8 –

Midwest .................................................................... 4.6 1.8 1.9 0.0 1.6 0.0 4.6 –

East North Central ............................................... 6.0 5.9 0.5 0.9 0.0 0.0 6.0 –

West North Central .............................................. 2.5 0.0 7.1 0.0 0.0 7.1 2.5 –

West ......................................................................... 11.6 6.3 2.3 1.7 5.5 0.0 11.6 –

Pacific .................................................................. 13.6 4.7 6.0 4.8 0.9 0.0 13.6 –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 30. Traditional defined benefit plans: Terminal earnings formulas, private industry

workers, National Compensation Survey, 2014

(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)

Characteristics

Flat

percent

per year

of service

Flat percent per year of service

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 52 1.00 1.25 1.60 2.00 2.00

Management, professional, and related .................. 58 1.20 1.45 1.60 2.00 –

Management, business, and financial ................. 55 1.20 1.25 1.60 1.60 2.00

Professional and related ...................................... 59 1.20 1.45 1.60 2.00 –

Service ..................................................................... 65 1.00 – 1.50 1.60 1.60

Sales and office ....................................................... ––––––

Sales and related ................................................. ––––––

Office and administrative support ........................ 51 1.00 1.45 1.67 2.00 2.00

Natural resources, construction, and maintenance ––––––

Installation, maintenance, and repair ................... ––––––

Production, transportation, and material moving ..... ––––––

Production ............................................................ ––––––

Transportation and material moving .................... 46 0.70 0.70 – 2.00 2.00

Full time ................................................................... 50 1.00 1.25 1.60 2.00 2.00

Part time .................................................................. 78 1.00 1.00 1.45 1.50 2.00

Union ....................................................................... 74 0.70 1.35 1.50 1.85 2.00

Nonunion ................................................................. ––––––

Average wage within the following categories1:

Second 25 percent ............................................... ––––––

Third 25 percent ................................................... 53 1.00 1.25 1.67 2.00 2.00

Highest 25 percent ............................................... 51 – 1.25 1.50 1.60 2.00

Highest 10 percent ........................................... 49 1.20 1.25 1.60 1.60 1.70

Establishment characteristics

Goods-producing industries ..................................... ––––––

Manufacturing ...................................................... ––––––

Service-providing industries ..................................... 58 – 1.20 1.60 2.00 2.00

Trade, transportation, and utilities ....................... 66 0.70 0.70 – 2.00 2.00

Financial activities ................................................ ––––––

Finance and insurance .................................... ––––––

Insurance carriers and related activities ...... ––––––

Education and health services ............................. 74 1.00 1.25 1.60 2.00 2.00

Health care and social assistance ................... 76 1.20 1.45 1.60 2.00 2.00

1 to 99 workers ........................................................ ––––––

1 to 49 workers .................................................... ––––––

50 to 99 workers .................................................. ––––––

100 workers or more ................................................ 55 – 1.25 1.60 1.85 2.00

100 to 499 workers .............................................. 63 1.20 1.45 1.67 2.00 –

500 workers or more ............................................ 49 0.70 1.25 1.50 1.60 1.67

See footnotes at end of table.
Table 30. Traditional defined benefit plans: Terminal earnings formulas,

private industry workers, National Compensation Survey, 2014—continued

(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100

percent)

Characteristics

Percent

per year

varies

Percent per year varies by

Other

Service Earnings

Earnings

and

service

Worker characteristics

All workers ............................................................... – – 26 10 –

Management, professional, and related .................. – 9 19 – –

Management, business, and financial ................. – – 25 – –

Professional and related ...................................... – 11 – – –

Service ..................................................................... – – – – –

Sales and office ....................................................... 49 11 25 12 –

Sales and related ................................................. 71 – – – –

Office and administrative support ........................ – 12 21 – –

Natural resources, construction, and maintenance 50 – 24 – –

Installation, maintenance, and repair ................... 60 – 30 – –

Production, transportation, and material moving ..... 59 – 48 – –

Production ............................................................ 63 – 46 – –

Transportation and material moving .................... 54 – 49 – –

Full time ................................................................... – – 27 11 –

Part time .................................................................. – – – – –

Union ....................................................................... – – – – –

Nonunion ................................................................. 52 8 30 15 –

Average wage within the following categories1:

Second 25 percent ............................................... 54 – 37 – –

Third 25 percent ................................................... – 7 29 – –

Highest 25 percent ............................................... – – 23 12 –

Highest 10 percent ........................................... – – 21 – –

Establishment characteristics

Goods-producing industries ..................................... 57 – 33 – –

Manufacturing ...................................................... 70 – 41 – –

Service-providing industries ..................................... – 9 24 – –

Trade, transportation, and utilities ....................... 34 – – – –

Financial activities ................................................ 64 – – – –

Finance and insurance .................................... 64 – – – –

Insurance carriers and related activities ...... 66 – – – –

Education and health services ............................. – – – – –

Health care and social assistance ................... – – – – –

1 to 99 workers ........................................................ 58 – 53 – –

1 to 49 workers .................................................... 56 – 49 – –

50 to 99 workers .................................................. 60 – 59 – –

100 workers or more ................................................ – – 19 12 –

100 to 499 workers .............................................. – – – – –

500 workers or more ............................................ – 11 17 – –

See footnotes at end of table.
Table 30. Traditional defined benefit plans: Terminal earnings formulas, private industry

workers, National Compensation Survey, 2014—continued

(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)

Characteristics

Flat

percent

per year

of service

Flat percent per year of service

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

Northeast ................................................................. 64 – 1.25 1.50 1.60 2.00

New England ....................................................... 77 1.00 1.25 – 2.00 2.00

Middle Atlantic ..................................................... 60 – – 1.50 1.60 1.60

South ....................................................................... ––––––

South Atlantic ....................................................... ––––––

West South Central .............................................. 45 – 1.60 1.60 1.60 2.00

Midwest .................................................................... ––––––

East North Central ............................................... ––––––

West North Central .............................................. 83 1.35 1.50 – 5.00 5.00

West ......................................................................... 56 1.45 – 2.00 2.00 2.00

Pacific .................................................................. 66 1.45 – 2.00 2.00 2.00

See footnotes at end of table.
Table 30. Traditional defined benefit plans: Terminal earnings formulas,

private industry workers, National Compensation Survey, 2014—continued

(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100

percent)

Characteristics

Percent

per year

varies

Percent per year varies by

Other

Service Earnings

Earnings

and

service

Geographic areas

Northeast ................................................................. – – – – –

New England ....................................................... – – – – –

Middle Atlantic ..................................................... – – – – –

South ....................................................................... 49 – 36 – –

South Atlantic ....................................................... 52 – 36 – –

West South Central .............................................. – – – – –

Midwest .................................................................... 56 – 19 – –

East North Central ............................................... 66 – 20 – –

West North Central .............................................. – – – – –

West ......................................................................... – – – – –

Pacific .................................................................. – – – – –

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or

that data do 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/glossary20142015.htm.
Table 30. Standard errors for traditional defined benefit plans: Terminal earnings

formulas, private industry workers, National Compensation Survey, 2014

Characteristics

Flat

percent

per year

of service

Flat percent per year of service

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 4.5 0.09 0.09 0.10 0.43 0.04

Management, professional, and related .................. 6.1 0.07 0.24 0.07 0.40 –

Management, business, and financial ................. 6.9 0.05 0.21 0.04 0.42 0.04

Professional and related ...................................... 7.2 0.22 0.16 0.15 0.30 –

Service ..................................................................... 19.1 0.00 – 0.09 0.00 0.00

Sales and office ....................................................... ––––––

Sales and related ................................................. ––––––

Office and administrative support ........................ 5.5 0.04 0.24 0.07 0.05 0.25

Natural resources, construction, and maintenance ––––––

Installation, maintenance, and repair ................... ––––––

Production, transportation, and material moving ..... ––––––

Production ............................................................ ––––––

Transportation and material moving .................... 12.2 0.00 0.00 – 0.42 0.00

Full time ................................................................... 4.9 0.20 0.13 0.07 0.41 0.09

Part time .................................................................. 9.4 0.00 0.29 0.13 0.22 0.26

Union ....................................................................... 7.6 0.16 0.17 0.15 0.36 0.00

Nonunion ................................................................. ––––––

Average wage within the following categories1:

Second 25 percent ............................................... ––––––

Third 25 percent ................................................... 8.3 0.10 0.24 0.29 0.00 0.22

Highest 25 percent ............................................... 4.6 – 0.10 0.10 0.00 0.23

Highest 10 percent ........................................... 6.6 0.18 0.23 0.12 0.00 0.43

Establishment characteristics

Goods-producing industries ..................................... ––––––

Manufacturing ...................................................... ––––––

Service-providing industries ..................................... 5.3 – 0.13 0.13 0.16 0.26

Trade, transportation, and utilities ....................... 8.4 0.00 0.09 – 0.45 0.00

Financial activities ................................................ ––––––

Finance and insurance .................................... ––––––

Insurance carriers and related activities ...... ––––––

Education and health services ............................. 8.4 0.07 0.28 0.27 0.38 0.00

Health care and social assistance ................... 10.0 0.22 0.19 0.37 0.37 0.00

1 to 99 workers ........................................................ ––––––

1 to 49 workers .................................................... ––––––

50 to 99 workers .................................................. ––––––

100 workers or more ................................................ 5.4 – 0.24 0.07 0.34 0.00

100 to 499 workers .............................................. 10.2 0.27 0.17 0.44 0.00 –

500 workers or more ............................................ 5.8 0.00 0.19 0.14 0.00 0.12

See footnotes at end of table.
Table 30. Standard errors for traditional defined benefit plans: Terminal

earnings formulas, private industry workers, National Compensation

Survey, 2014—continued

Characteristics

Percent

per year

varies

Percent per year varies by

Other

Service Earnings

Earnings

and

service

Worker characteristics

All workers ............................................................... – – 4.0 2.7 –

Management, professional, and related .................. – 2.0 4.7 – –

Management, business, and financial ................. – – 6.6 – –

Professional and related ...................................... – 2.7 – – –

Service ..................................................................... – – – – –

Sales and office ....................................................... 5.6 3.1 5.4 3.4 –

Sales and related ................................................. 13.1 – – – –

Office and administrative support ........................ – 3.6 4.3 – –

Natural resources, construction, and maintenance 9.0 – 6.8 – –

Installation, maintenance, and repair ................... 9.2 – 7.8 – –

Production, transportation, and material moving ..... 8.6 – 9.5 – –

Production ............................................................ 9.7 – 12.3 – –

Transportation and material moving .................... 12.2 – 12.3 – –

Full time ................................................................... – – 4.2 2.8 –

Part time .................................................................. – – – – –

Union ....................................................................... – – – – –

Nonunion ................................................................. 4.9 1.5 4.7 3.7 –

Average wage within the following categories1:

Second 25 percent ............................................... 8.7 – 9.9 – –

Third 25 percent ................................................... – 1.8 6.5 – –

Highest 25 percent ............................................... – – 4.7 3.5 –

Highest 10 percent ........................................... – – 5.6 – –

Establishment characteristics

Goods-producing industries ..................................... 9.7 – 8.0 – –

Manufacturing ...................................................... 7.3 – 8.4 – –

Service-providing industries ..................................... – 1.8 4.6 – –

Trade, transportation, and utilities ....................... 8.4 – – – –

Financial activities ................................................ 6.1 – – – –

Finance and insurance .................................... 6.1 – – – –

Insurance carriers and related activities ...... 9.0 – – – –

Education and health services ............................. – – – – –

Health care and social assistance ................... – – – – –

1 to 99 workers ........................................................ 7.4 – 7.7 – –

1 to 49 workers .................................................... 8.9 – 9.6 – –

50 to 99 workers .................................................. 13.9 – 14.0 – –

100 workers or more ................................................ – – 3.8 3.3 –

100 to 499 workers .............................................. – – – – –

500 workers or more ............................................ – 2.1 4.6 – –

See footnotes at end of table.
Table 30. Standard errors for traditional defined benefit plans: Terminal earnings

formulas, private industry workers, National Compensation Survey, 2014—continued

Characteristics

Flat

percent

per year

of service

Flat percent per year of service

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

Northeast ................................................................. 8.7 – 0.31 0.22 0.04 0.22

New England ....................................................... 12.5 0.17 0.14 – 0.46 0.33

Middle Atlantic ..................................................... 11.2 – – 0.21 0.08 0.22

South ....................................................................... ––––––

South Atlantic ....................................................... ––––––

West South Central .............................................. 11.1 – 0.32 0.00 0.10 0.53

Midwest .................................................................... ––––––

East North Central ............................................... ––––––

West North Central .............................................. 10.5 0.40 0.41 – 0.00 0.00

West ......................................................................... 15.8 0.20 – 0.43 0.00 0.00

Pacific .................................................................. 15.7 0.13 – 0.36 0.00 0.00

See footnotes at end of table.
Table 30. Standard errors for traditional defined benefit plans: Terminal

earnings formulas, private industry workers, National Compensation

Survey, 2014—continued

Characteristics

Percent

per year

varies

Percent per year varies by

Other

Service Earnings

Earnings

and

service

Geographic areas

Northeast ................................................................. – – – – –

New England ....................................................... – – – – –

Middle Atlantic ..................................................... – – – – –

South ....................................................................... 7.0 – 7.3 – –

South Atlantic ....................................................... 6.9 – 9.2 – –

West South Central .............................................. – – – – –

Midwest .................................................................... 8.6 – 4.9 – –

East North Central ............................................... 6.2 – 5.6 – –

West North Central .............................................. – – – – –

West ......................................................................... – – – – –

Pacific .................................................................. – – – – –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 31. Traditional defined benefit plans: Definition of terminal earnings, private industry

workers, National Compensation Survey, 2014

(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)

Characteristics

Five years

Other period Not

determinable Total High five

High

consecutive

five

Worker characteristics

All workers ............................................................... 72 19 51 21 6

Management, professional, and related .................. 67 15 50 22 11

Management, business, and financial ................. 65 24 37 – –

Professional and related ...................................... 68 – 56 19 13

Service ..................................................................... 50 – 48 – –

Sales and office ....................................................... 72 25 44 22 6

Sales and related ................................................. 86 – 64 – –

Office and administrative support ........................ 69 25 40 24 7

Natural resources, construction, and maintenance 94 – 74 – –

Installation, maintenance, and repair ................... 93 – 72 – –

Production, transportation, and material moving ..... 82 27 47 – –

Production ............................................................ 78 – 61 – –

Transportation and material moving .................... 85 38 – – –

Full time ................................................................... 73 19 51 20 7

Part time .................................................................. 59 – – – –

Union ....................................................................... 72 – 57 – –

Nonunion ................................................................. 73 21 48 26 2

Average wage within the following categories1:

Second 25 percent ............................................... 74 19 49 – –

Third 25 percent ................................................... 71 20 48 – –

Highest 25 percent ............................................... 73 19 53 25 2

Highest 10 percent ........................................... 66 19 46 34 –

Establishment characteristics

Goods-producing industries ..................................... 69 – 50 – –

Manufacturing ...................................................... 74 – 49 – –

Service-providing industries ..................................... 74 21 51 17 9

Trade, transportation, and utilities ....................... 79 43 35 – –

Financial activities ................................................ 95 40 47 – –

Finance and insurance .................................... 95 40 47 – –

Insurance carriers and related activities ...... 94 – 58 – –

1 to 99 workers ........................................................ 90 27 56 – –

1 to 49 workers .................................................... 92 – 64 – –

50 to 99 workers .................................................. 86 – – – –

100 workers or more ................................................ 68 17 49 24 8

500 workers or more ............................................ 72 18 53 28 –

See footnotes at end of table.
Table 31. Traditional defined benefit plans: Definition of terminal earnings, private industry

workers, National Compensation Survey, 2014—continued

(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)

Characteristics

Five years

Other period Not

determinable Total High five

High

consecutive

five

Geographic areas

Northeast ................................................................. 94 – 65 – –

New England ....................................................... 90 – 72 – –

Middle Atlantic ..................................................... 96 – 63 – –

South ....................................................................... 68 24 43 32 –

South Atlantic ....................................................... 74 32 42 – –

West South Central .............................................. 55 – 46 – –

Midwest .................................................................... 80 – 60 – –

East North Central ............................................... 82 – 69 – –

West North Central .............................................. 74 – – – –

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 31. Standard errors for traditional defined benefit plans: Definition of terminal earnings,

private industry workers, National Compensation Survey, 2014

Characteristics

Five years

Other period Not

determinable Total High five

High

consecutive

five

Worker characteristics

All workers ............................................................... 6.1 3.2 5.3 4.0 6.0

Management, professional, and related .................. 9.6 4.2 8.3 6.0 10.2

Management, business, and financial ................. 10.6 6.5 6.1 – –

Professional and related ...................................... 11.0 – 10.4 5.7 11.6

Service ..................................................................... 14.0 – 13.8 – –

Sales and office ....................................................... 6.1 5.2 5.8 4.6 5.7

Sales and related ................................................. 9.4 – 13.8 – –

Office and administrative support ........................ 6.9 5.2 5.3 5.2 6.8

Natural resources, construction, and maintenance 2.4 – 8.1 – –

Installation, maintenance, and repair ................... 3.0 – 9.4 – –

Production, transportation, and material moving ..... 6.8 6.9 7.4 – –

Production ............................................................ 8.5 – 8.7 – –

Transportation and material moving .................... 10.6 10.8 – – –

Full time ................................................................... 6.2 3.3 5.4 4.0 6.3

Part time .................................................................. 13.6 – – – –

Union ....................................................................... 14.3 – 13.0 – –

Nonunion ................................................................. 4.9 3.7 4.5 4.8 1.5

Average wage within the following categories1:

Second 25 percent ............................................... 8.8 5.4 7.8 – –

Third 25 percent ................................................... 10.6 4.7 8.1 – –

Highest 25 percent ............................................... 5.9 3.8 5.9 5.7 1.9

Highest 10 percent ........................................... 7.9 5.4 6.2 7.9 –

Establishment characteristics

Goods-producing industries ..................................... 7.5 – 6.4 – –

Manufacturing ...................................................... 7.0 – 6.6 – –

Service-providing industries ..................................... 8.1 4.0 7.0 4.4 8.3

Trade, transportation, and utilities ....................... 7.9 9.0 8.6 – –

Financial activities ................................................ 3.4 7.6 6.2 – –

Finance and insurance .................................... 3.4 7.6 6.2 – –

Insurance carriers and related activities ...... 5.2 – 9.2 – –

1 to 99 workers ........................................................ 6.3 5.7 7.2 – –

1 to 49 workers .................................................... 6.3 – 8.5 – –

50 to 99 workers .................................................. 10.9 – – – –

100 workers or more ................................................ 7.3 3.6 6.4 4.8 7.6

500 workers or more ............................................ 6.4 4.4 6.1 6.4 –

See footnotes at end of table.
Table 31. Standard errors for traditional defined benefit plans: Definition of terminal earnings,

private industry workers, National Compensation Survey, 2014—continued

Characteristics

Five years

Other period Not

determinable Total High five

High

consecutive

five

Geographic areas

Northeast ................................................................. 2.7 – 8.8 – –

New England ....................................................... 7.2 – 12.6 – –

Middle Atlantic ..................................................... 3.0 – 11.0 – –

South ....................................................................... 7.0 4.8 6.4 7.0 –

South Atlantic ....................................................... 8.8 7.1 9.6 – –

West South Central .............................................. 11.0 – 9.2 – –

Midwest .................................................................... 7.4 – 8.4 – –

East North Central ............................................... 9.0 – 5.5 – –

West North Central .............................................. 9.7 – – – –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 32. Traditional defined benefit plans: Normal retirement age and service

requirements,1

 private industry workers, National Compensation Survey, 2014

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

With age and

service

requirement

With age only

requirement

With service

only

requirement

With age plus

service

requirement

Worker characteristics

All workers ............................................................... 82 11 4 3

Management, professional, and related .................. 82 – – –

Management, business, and financial ................. 76 – – –

Professional and related ...................................... 85 – – –

Sales and office ....................................................... 78 12 – –

Sales and related ................................................. 77 – – –

Office and administrative support ........................ 79 12 – –

Natural resources, construction, and maintenance 82 5 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 97 – – –

Installation, maintenance, and repair ................... 66 – – –

Production, transportation, and material moving ..... 78 14 – –

Production ............................................................ 72 22 – –

Transportation and material moving .................... 83 – – –

Full time ................................................................... 82 12 – –

Part time .................................................................. 87 – – –

Union ....................................................................... 83 – 7 –

Nonunion ................................................................. 81 17 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 89 – – –

Third 25 percent ................................................... 78 13 – –

Highest 25 percent ............................................... 82 11 – –

Highest 10 percent ........................................... 83 – – –

Establishment characteristics

Goods-producing industries ..................................... 83 11 – –

Construction ......................................................... 97 – – –

Manufacturing ...................................................... 74 17 – –

Service-providing industries ..................................... 82 11 – –

Trade, transportation, and utilities ....................... 83 – – –

Wholesale trade ............................................... 81 – – –

Retail trade ...................................................... 77 – – –

Transportation and warehousing ..................... 89 – – –

Utilities ............................................................. 89 – – –

Information ........................................................... 58 – – –

Financial activities ................................................ 80 20 – –

Finance and insurance .................................... 79 21 – –

Credit intermediation and related activities .. 70 – – –

Insurance carriers and related activities ...... 81 – – –

Education and health services ............................. 86 – – –

Educational services:

Junior colleges, colleges, and universities – 64 – –

See footnotes at end of table.
Table 32. Traditional defined benefit plans: Normal retirement age and service

requirements,1

 private industry workers, National Compensation Survey,

2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

With age and

service

requirement

With age only

requirement

With service

only

requirement

With age plus

service

requirement

1 to 99 workers ........................................................ 76 – – –

1 to 49 workers .................................................... 77 – – –

50 to 99 workers .................................................. 76 – – –

100 workers or more ................................................ 84 10 – –

100 to 499 workers .............................................. 85 – – –

500 workers or more ............................................ 84 11 – –

Geographic areas

Northeast ................................................................. 77 – – –

New England ....................................................... 72 – – –

Middle Atlantic ..................................................... 78 – – –

South ....................................................................... 84 – – –

South Atlantic ....................................................... 86 – – –

East South Central ............................................... 90 – – –

West South Central .............................................. 78 – – –

Midwest:

West North Central ............................................ 95 – – –

West ......................................................................... 83 – – –

Pacific .................................................................. 80 – – –

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are

satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. In some plans, participants must

satisfy a minimum service requirement to be vested in the plan. Typical vesting requirements are 3 or 5 years of services. These

requirements are not included in the service requirements for normal retirement. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 32. Standard errors for traditional defined benefit plans: Normal retirement age

and service requirements,1

 private industry workers, National Compensation Survey,

2014

Characteristics

With age and

service

requirement

With age only

requirement

With service

only

requirement

With age plus

service

requirement

Worker characteristics

All workers ............................................................... 2.4 1.9 1.0 0.7

Management, professional, and related .................. 4.9 – – –

Management, business, and financial ................. 9.8 – – –

Professional and related ...................................... 3.9 – – –

Sales and office ....................................................... 3.2 2.6 – –

Sales and related ................................................. 5.9 – – –

Office and administrative support ........................ 4.3 3.1 – –

Natural resources, construction, and maintenance 4.5 1.2 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 3.2 – – –

Installation, maintenance, and repair ................... 8.6 – – –

Production, transportation, and material moving ..... 4.5 3.9 – –

Production ............................................................ 4.4 5.1 – –

Transportation and material moving .................... 6.0 – – –

Full time ................................................................... 2.7 2.1 – –

Part time .................................................................. 3.0 – – –

Union ....................................................................... 2.5 – 1.9 –

Nonunion ................................................................. 3.6 3.5 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 3.6 – – –

Third 25 percent ................................................... 3.5 2.9 – –

Highest 25 percent ............................................... 3.9 3.0 – –

Highest 10 percent ........................................... 5.8 – – –

Establishment characteristics

Goods-producing industries ..................................... 3.5 3.2 – –

Construction ......................................................... 3.3 – – –

Manufacturing ...................................................... 4.9 4.6 – –

Service-providing industries ..................................... 3.1 2.2 – –

Trade, transportation, and utilities ....................... 3.4 – – –

Wholesale trade ............................................... 10.9 – – –

Retail trade ...................................................... 4.3 – – –

Transportation and warehousing ..................... 6.1 – – –

Utilities ............................................................. 8.2 – – –

Information ........................................................... 11.9 – – –

Financial activities ................................................ 5.0 5.0 – –

Finance and insurance .................................... 5.5 5.5 – –

Credit intermediation and related activities .. 11.5 – – –

Insurance carriers and related activities ...... 4.7 – – –

Education and health services ............................. 4.8 – – –

Educational services:

Junior colleges, colleges, and universities – 11.2 – –

See footnotes at end of table.
Table 32. Standard errors for traditional defined benefit plans: Normal retirement age

and service requirements,1

 private industry workers, National Compensation Survey,

2014—continued

Characteristics

With age and

service

requirement

With age only

requirement

With service

only

requirement

With age plus

service

requirement

1 to 99 workers ........................................................ 5.5 – – –

1 to 49 workers .................................................... 8.9 – – –

50 to 99 workers .................................................. 6.6 – – –

100 workers or more ................................................ 2.6 2.1 – –

100 to 499 workers .............................................. 3.9 – – –

500 workers or more ............................................ 3.2 2.3 – –

Geographic areas

Northeast ................................................................. 6.3 – – –

New England ....................................................... 9.7 – – –

Middle Atlantic ..................................................... 7.8 – – –

South ....................................................................... 4.2 – – –

South Atlantic ....................................................... 5.0 – – –

East South Central ............................................... 6.2 – – –

West South Central .............................................. 8.8 – – –

Midwest:

West North Central ............................................ 4.0 – – –

West ......................................................................... 4.8 – – –

Pacific .................................................................. 6.4 – – –

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are

satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. In some plans, participants must

satisfy a minimum service requirement to be vested in the plan. Typical vesting requirements are 3 or 5 years of services. These

requirements are not included in the service requirements for normal retirement. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 33. Traditional defined benefit plans: Selected normal retirement age

requirements,1

 private industry workers, National Compensation Survey, 2014

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Age less than 65 Age 65

Less than 10

years of

service2

10 years or

more of

service

Less than 10

years of

service2

10 years or

more of

service

Worker characteristics

All workers ............................................................... 16 21 57 –

Management, professional, and related .................. – 19 56 –

Management, business, and financial ................. – 18 52 –

Professional and related ...................................... – 19 58 –

Service ..................................................................... – – 63 –

Sales and office ....................................................... 15 17 59 –

Sales and related ................................................. – – 66 –

Office and administrative support ........................ – 22 57 –

Natural resources, construction, and maintenance – 32 55 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 26 52 –

Installation, maintenance, and repair ................... – 39 57 –

Production, transportation, and material moving ..... 15 21 58 –

Production ............................................................ – – 66 –

Transportation and material moving .................... – 24 52 –

Full time ................................................................... 17 23 55 –

Part time .................................................................. – – 72 –

Union ....................................................................... 18 25 52 –

Nonunion ................................................................. – 16 64 –

Average wage within the following categories3:

Lowest 25 percent ............................................... – – 84 –

Second 25 percent ............................................... 16 14 64 –

Third 25 percent ................................................... – 17 58 –

Highest 25 percent ............................................... 15 28 51 –

Highest 10 percent ........................................... – 24 53 –

Establishment characteristics

Goods-producing industries ..................................... – 20 54 –

Construction ......................................................... – 27 48 –

Manufacturing ...................................................... – 18 65 –

Service-providing industries ..................................... – 21 59 –

Trade, transportation, and utilities ....................... – 21 59 –

Wholesale trade ............................................... – – 55 –

Retail trade ...................................................... – – 73 –

Transportation and warehousing ..................... – 34 – –

Utilities ............................................................. – – 59 –

Information ........................................................... – 63 36 –

Financial activities ................................................ – 27 61 –

Finance and insurance .................................... – 29 59 –

Credit intermediation and related activities .. – – 72 –

Insurance carriers and related activities ...... – 40 39 –

Education and health services ............................. – – 59 –

Educational services:

Junior colleges, colleges, and universities – – 63 –

Health care and social assistance ................... – – 58 –

See footnotes at end of table.
Table 33. Traditional defined benefit plans: Selected normal retirement age

requirements,1

 private industry workers, National Compensation Survey,

2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Normal retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 60 62 65 65 65

Management, professional, and related .................. 60 60 65 65 65

Management, business, and financial ................. 60 60 65 65 65

Professional and related ...................................... 60 60 65 65 65

Service ..................................................................... 62 62 65 65 65

Sales and office ....................................................... 60 62 65 65 65

Sales and related ................................................. 60 62 65 65 65

Office and administrative support ........................ 60 62 65 65 65

Natural resources, construction, and maintenance 60 62 65 65 65

Construction, extraction, farming, fishing, and

forestry ............................................................... 60 62 65 65 65

Installation, maintenance, and repair ................... 60 65 65 65 65

Production, transportation, and material moving ..... 60 62 65 65 65

Production ............................................................ 62 65 65 65 65

Transportation and material moving .................... 60 62 65 65 65

Full time ................................................................... 60 62 65 65 65

Part time .................................................................. 62 65 65 65 65

Union ....................................................................... 60 62 65 65 65

Nonunion ................................................................. 60 62 65 65 65

Average wage within the following categories3:

Lowest 25 percent ............................................... 65 65 65 65 65

Second 25 percent ............................................... 60 62 65 65 65

Third 25 percent ................................................... 60 62 65 65 65

Highest 25 percent ............................................... 60 62 65 65 65

Highest 10 percent ........................................... 60 60 65 65 65

Establishment characteristics

Goods-producing industries ..................................... 60 62 65 65 65

Construction ......................................................... 60 62 65 65 65

Manufacturing ...................................................... 60 65 65 65 65

Service-providing industries ..................................... 60 62 65 65 65

Trade, transportation, and utilities ....................... 60 62 65 65 65

Wholesale trade ............................................... 60 60 65 65 65

Retail trade ...................................................... 62 65 65 65 65

Transportation and warehousing ..................... 60 60 62 65 65

Utilities ............................................................. 55 57 65 65 65

Information ........................................................... 55 55 65 65 65

Financial activities ................................................ 60 62 65 65 65

Finance and insurance .................................... 60 62 65 65 65

Credit intermediation and related activities .. 62 62 65 65 65

Insurance carriers and related activities ...... 60 62 62 65 65

Education and health services ............................. 60 62 65 65 65

Educational services:

Junior colleges, colleges, and universities 55 62 65 65 65

Health care and social assistance ................... 60 60 65 65 65

See footnotes at end of table.
Table 33. Traditional defined benefit plans: Selected normal retirement age

requirements,1

 private industry workers, National Compensation Survey,

2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Age less than 65 Age 65

Less than 10

years of

service2

10 years or

more of

service

Less than 10

years of

service2

10 years or

more of

service

1 to 99 workers ........................................................ – 19 75 –

1 to 49 workers .................................................... – 25 69 –

50 to 99 workers .................................................. – – 82 –

100 workers or more ................................................ 21 22 50 –

100 to 499 workers .............................................. – 22 51 –

500 workers or more ............................................ – 22 50 –

Geographic areas

Northeast ................................................................. – 28 63 –

New England ....................................................... – 48 50 –

Middle Atlantic ..................................................... – – 66 –

South ....................................................................... – – 61 –

South Atlantic ....................................................... – – 64 –

East South Central ............................................... – – – –

West South Central .............................................. – – 63 –

Midwest .................................................................... 13 26 58 –

East North Central ............................................... – 24 63 –

West North Central .............................................. – 33 – –

West ......................................................................... – 14 44 –

Mountain .............................................................. – – – –

Pacific .................................................................. – – 45 –

See footnotes at end of table.
Table 33. Traditional defined benefit plans: Selected normal retirement age

requirements,1

 private industry workers, National Compensation Survey,

2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Normal retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 62 65 65 65 65

1 to 49 workers .................................................... 60 65 65 65 65

50 to 99 workers .................................................. 65 65 65 65 65

100 workers or more ................................................ 60 62 65 65 65

100 to 499 workers .............................................. 60 62 65 65 65

500 workers or more ............................................ 60 62 65 65 65

Geographic areas

Northeast ................................................................. 60 62 65 65 65

New England ....................................................... 60 62 65 65 65

Middle Atlantic ..................................................... 60 – 65 65 65

South ....................................................................... 60 62 65 65 65

South Atlantic ....................................................... 60 62 65 65 65

East South Central ............................................... 60 60 62 65 65

West South Central .............................................. 60 60 65 65 65

Midwest .................................................................... 60 62 65 65 65

East North Central ............................................... 60 62 65 65 65

West North Central .............................................. 60 62 62 65 65

West ......................................................................... 60 62 65 65 65

Mountain .............................................................. 62 62 65 65 65

Pacific .................................................................. 60 60 65 65 65

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements

are satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. 2 Includes workers in plans with no minimum service requirements. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 33. Standard errors for traditional defined benefit plans: Selected normal

retirement age requirements,1

 private industry workers, National Compensation

Survey, 2014

Characteristics

Age less than 65 Age 65

Less than 10

years of

service2

10 years or

more of

service

Less than 10

years of

service2

10 years or

more of

service

Worker characteristics

All workers ............................................................... 3.6 2.6 3.5 –

Management, professional, and related .................. – 4.3 7.5 –

Management, business, and financial ................. – 4.7 9.7 –

Professional and related ...................................... – 5.6 8.9 –

Service ..................................................................... – – 10.4 –

Sales and office ....................................................... 3.9 3.3 4.5 –

Sales and related ................................................. – – 6.6 –

Office and administrative support ........................ – 4.4 5.2 –

Natural resources, construction, and maintenance – 5.6 6.8 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 6.2 8.8 –

Installation, maintenance, and repair ................... – 9.2 9.3 –

Production, transportation, and material moving ..... 4.0 4.5 6.0 –

Production ............................................................ – – 7.5 –

Transportation and material moving .................... – 5.8 6.9 –

Full time ................................................................... 3.9 2.9 3.8 –

Part time .................................................................. – – 4.7 –

Union ....................................................................... 4.8 3.8 4.8 –

Nonunion ................................................................. – 3.1 4.7 –

Average wage within the following categories3:

Lowest 25 percent ............................................... – – 5.6 –

Second 25 percent ............................................... 4.8 3.3 6.5 –

Third 25 percent ................................................... – 3.6 6.0 –

Highest 25 percent ............................................... 4.1 3.8 4.7 –

Highest 10 percent ........................................... – 5.0 7.2 –

Establishment characteristics

Goods-producing industries ..................................... – 3.9 6.6 –

Construction ......................................................... – 7.2 9.5 –

Manufacturing ...................................................... – 5.2 6.5 –

Service-providing industries ..................................... – 3.1 4.2 –

Trade, transportation, and utilities ....................... – 3.7 4.3 –

Wholesale trade ............................................... – – 13.2 –

Retail trade ...................................................... – – 5.8 –

Transportation and warehousing ..................... – 10.0 – –

Utilities ............................................................. – – 15.3 –

Information ........................................................... – 10.7 10.6 –

Financial activities ................................................ – 7.5 7.8 –

Finance and insurance .................................... – 8.0 8.5 –

Credit intermediation and related activities .. – – 12.5 –

Insurance carriers and related activities ...... – 9.8 8.4 –

Education and health services ............................. – – 13.3 –

Educational services:

Junior colleges, colleges, and universities – – 11.0 –

Health care and social assistance ................... – – 16.1 –

See footnotes at end of table.
Table 33. Standard errors for traditional defined benefit plans: Selected normal

retirement age requirements,1

 private industry workers, National Compensation

Survey, 2014—continued

Characteristics

Normal retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.0 0.0 0.0 0.0 0.0

Management, professional, and related .................. 0.0 2.2 0.0 0.0 0.0

Management, business, and financial ................. 1.6 2.2 0.0 0.0 0.0

Professional and related ...................................... 0.0 2.5 0.0 0.0 0.0

Service ..................................................................... 2.7 2.0 0.0 0.0 0.0

Sales and office ....................................................... 0.0 0.0 0.0 0.0 0.0

Sales and related ................................................. 2.6 3.2 0.0 0.0 0.0

Office and administrative support ........................ 2.0 0.0 0.0 0.0 0.0

Natural resources, construction, and maintenance 1.0 0.0 0.0 0.0 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.5 0.0 2.2 0.0 0.0

Installation, maintenance, and repair ................... 5.1 2.6 0.0 0.0 0.0

Production, transportation, and material moving ..... 0.5 0.0 0.0 0.0 0.0

Production ............................................................ 2.7 3.5 0.0 0.0 0.0

Transportation and material moving .................... 0.0 1.0 1.3 0.0 0.0

Full time ................................................................... 0.0 0.0 0.0 0.0 0.0

Part time .................................................................. 2.7 0.0 0.0 0.0 0.0

Union ....................................................................... 0.0 0.0 0.0 0.0 0.0

Nonunion ................................................................. 0.0 1.5 0.0 0.0 0.0

Average wage within the following categories3:

Lowest 25 percent ............................................... 4.3 0.0 0.0 0.0 0.0

Second 25 percent ............................................... 0.8 1.3 0.0 0.0 0.0

Third 25 percent ................................................... 0.0 0.0 0.0 0.0 0.0

Highest 25 percent ............................................... 0.0 0.9 0.0 0.0 0.0

Highest 10 percent ........................................... 2.7 1.4 0.0 0.0 0.0

Establishment characteristics

Goods-producing industries ..................................... 0.0 0.3 0.0 0.0 0.0

Construction ......................................................... 1.8 0.0 3.6 0.0 0.0

Manufacturing ...................................................... 2.6 2.2 0.0 0.0 0.0

Service-providing industries ..................................... 0.0 0.0 0.0 0.0 0.0

Trade, transportation, and utilities ....................... 0.0 0.9 0.0 0.0 0.0

Wholesale trade ............................................... 5.4 2.3 1.5 0.0 0.0

Retail trade ...................................................... 0.9 0.0 0.0 0.0 0.0

Transportation and warehousing ..................... 0.0 2.0 2.6 0.0 0.0

Utilities ............................................................. 0.0 3.0 5.3 0.0 0.0

Information ........................................................... 0.0 1.8 6.4 0.0 0.0

Financial activities ................................................ 1.9 0.0 0.0 0.0 0.0

Finance and insurance .................................... 1.7 0.0 0.9 0.0 0.0

Credit intermediation and related activities .. 2.7 3.3 0.0 0.0 0.0

Insurance carriers and related activities ...... 3.6 0.6 0.0 0.0 0.0

Education and health services ............................. 0.0 3.5 0.4 0.0 0.0

Educational services:

Junior colleges, colleges, and universities 7.3 0.8 0.0 0.0 0.0

Health care and social assistance ................... 0.0 4.6 0.9 0.0 0.0

See footnotes at end of table.
Table 33. Standard errors for traditional defined benefit plans: Selected normal

retirement age requirements,1

 private industry workers, National Compensation

Survey, 2014—continued

Characteristics

Age less than 65 Age 65

Less than 10

years of

service2

10 years or

more of

service

Less than 10

years of

service2

10 years or

more of

service

1 to 99 workers ........................................................ – 3.2 3.9 –

1 to 49 workers .................................................... – 5.1 5.8 –

50 to 99 workers .................................................. – – 5.9 –

100 workers or more ................................................ 4.9 3.3 4.4 –

100 to 499 workers .............................................. – 4.6 6.2 –

500 workers or more ............................................ – 4.0 5.7 –

Geographic areas

Northeast ................................................................. – 5.8 5.5 –

New England ....................................................... – 10.0 10.2 –

Middle Atlantic ..................................................... – – 6.7 –

South ....................................................................... – – 6.4 –

South Atlantic ....................................................... – – 8.6 –

East South Central ............................................... – – – –

West South Central .............................................. – – 13.0 –

Midwest .................................................................... 3.5 4.0 5.8 –

East North Central ............................................... – 4.3 6.6 –

West North Central .............................................. – 9.9 – –

West ......................................................................... – 3.8 9.9 –

Mountain .............................................................. – – – –

Pacific .................................................................. – – 12.3 –

See footnotes at end of table.
Table 33. Standard errors for traditional defined benefit plans: Selected normal

retirement age requirements,1

 private industry workers, National Compensation

Survey, 2014—continued

Characteristics

Normal retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.3 0.0 0.0 0.0 0.0

1 to 49 workers .................................................... 1.7 2.6 0.0 0.0 0.0

50 to 99 workers .................................................. 3.9 0.0 0.0 0.0 0.0

100 workers or more ................................................ 0.0 1.0 0.0 0.0 0.0

100 to 499 workers .............................................. 0.8 1.9 0.2 0.0 0.0

500 workers or more ............................................ 0.0 1.1 0.0 0.0 0.0

Geographic areas

Northeast ................................................................. 1.4 2.7 0.0 0.0 0.0

New England ....................................................... 0.0 1.2 0.0 0.0 0.0

Middle Atlantic ..................................................... 1.9 – 0.0 0.0 0.0

South ....................................................................... 0.0 3.0 0.0 0.0 0.0

South Atlantic ....................................................... 4.9 3.7 0.0 0.0 0.0

East South Central ............................................... 0.0 2.8 3.9 0.0 0.0

West South Central .............................................. 0.0 5.8 0.0 0.0 0.0

Midwest .................................................................... 2.2 0.0 0.0 0.0 0.0

East North Central ............................................... 2.7 1.6 0.0 0.0 0.0

West North Central .............................................. 2.8 0.0 3.6 0.0 0.0

West ......................................................................... 0.0 2.7 3.4 0.0 0.0

Mountain .............................................................. 0.0 0.0 3.0 0.0 0.0

Pacific .................................................................. 0.0 2.4 4.1 0.0 0.0

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements

are satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. 2 Includes workers in plans with no minimum service requirements. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 34. Traditional defined benefit plans: Normal retirement1

 service requirements, private

industry workers, National Compensation Survey, 2014

(Includes all workers in traditional defined benefit plans with a service requirement)

Characteristics

Normal retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 5 5 5 – 30

Management, professional, and related .................. 5 5 5 – 20

Management, business, and financial ................. 5 5 5 15 –

Professional and related ...................................... 5 5 5 – 20

Service ..................................................................... 5 5 5 5 –

Sales and office ....................................................... 5 5 5 – 25

Sales and related ................................................. 5 5 5 5 –

Office and administrative support ........................ 5 5 5 – 30

Natural resources, construction, and maintenance 5 5 5 – 30

Construction, extraction, farming, fishing, and

forestry ............................................................... 5 5 5 10 –

Installation, maintenance, and repair ................... 5 5 – 30 30

Production, transportation, and material moving ..... 5 5 5 10 30

Production ............................................................ 5 5 5 – 30

Transportation and material moving .................... 5 5 5 – –

Full time ................................................................... 5 5 5 10 30

Part time .................................................................. 5 5 5 5 –

Union ....................................................................... 5 5 5 10 30

Nonunion ................................................................. 5 5 5 – 20

Average wage within the following categories2:

Lowest 25 percent ............................................... 5 5 5 5 5

Second 25 percent ............................................... 5 5 5 5 20

Third 25 percent ................................................... 5 5 5 – –

Highest 25 percent ............................................... 5 5 5 – 30

Highest 10 percent ........................................... 5 5 5 15 25

Establishment characteristics

Goods-producing industries ..................................... 5 5 5 – –

Construction ......................................................... 5 5 5 10 –

Manufacturing ...................................................... 5 5 5 – 30

Service-providing industries ..................................... 5 5 5 – 30

Trade, transportation, and utilities ....................... 5 5 5 – –

Wholesale trade ............................................... 5 5 – 10 –

Retail trade ...................................................... 5 5 5 5 5

Transportation and warehousing ..................... 5 5 5 – 30

Utilities ............................................................. 5 5 – 30 35

Information ........................................................... 5 – – 30 30

Financial activities ................................................ 5 5 5 – –

Finance and insurance .................................... 5 5 5 20 30

Credit intermediation and related activities .. 5 5 – – 20

Insurance carriers and related activities ...... 5 5 – 25 30

Education and health services ............................. 5 5 5 – 20

Educational services:

Junior colleges, colleges, and universities – – – 35 35

Health care and social assistance ................... 5 5 5 5 –

See footnotes at end of table.
Table 34. Traditional defined benefit plans: Normal retirement1

 service requirements, private

industry workers, National Compensation Survey, 2014—continued

(Includes all workers in traditional defined benefit plans with a service requirement)

Characteristics

Normal retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 5 5 5 – 30

1 to 49 workers .................................................... 5 5 5 – 30

50 to 99 workers .................................................. 5 5 5 5 –

100 workers or more ................................................ 5 5 5 10 25

100 to 499 workers .............................................. 5 5 5 – –

500 workers or more ............................................ 5 5 5 – 30

Geographic areas

Northeast ................................................................. 5 5 5 – 30

New England ....................................................... 5 5 – – 30

Middle Atlantic ..................................................... 5 5 5 – –

South ....................................................................... 5 5 5 – 20

South Atlantic ....................................................... 5 5 5 – 25

East South Central ............................................... 5 5 5 5 –

West South Central .............................................. 5 5 5 – –

Midwest .................................................................... 5 5 5 – 30

East North Central ............................................... 5 5 5 – 30

West North Central .............................................. 5 5 5 – 30

West ......................................................................... 5 5 5 – –

Mountain .............................................................. 5 5 5 – 30

Pacific .................................................................. 5 5 5 – –

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are satisfied

and the participant may retire and receive all accrued benefits without a reduction or penalty. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 34. Standard errors for traditional defined benefit plans: Normal retirement1

 service

requirements, private industry workers, National Compensation Survey, 2014

Characteristics

Normal retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.0 0.0 0.0 – 7.5

Management, professional, and related .................. 0.0 0.0 0.0 – 2.6

Management, business, and financial ................. 0.0 0.0 0.0 4.4 –

Professional and related ...................................... 0.0 0.0 0.0 – 1.6

Service ..................................................................... 0.0 0.0 0.0 0.0 –

Sales and office ....................................................... 0.0 0.0 0.0 – 6.9

Sales and related ................................................. 0.0 0.0 0.0 0.0 –

Office and administrative support ........................ 0.0 0.0 0.0 – 4.2

Natural resources, construction, and maintenance 0.0 0.0 0.0 – 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 0.0 0.0 2.6 –

Installation, maintenance, and repair ................... 0.0 0.0 – 0.0 0.0

Production, transportation, and material moving ..... 0.0 0.0 0.0 2.4 4.3

Production ............................................................ 0.0 0.0 0.0 – 0.0

Transportation and material moving .................... 0.0 0.0 0.0 – –

Full time ................................................................... 0.0 0.0 0.0 2.4 4.1

Part time .................................................................. 0.0 0.0 0.0 0.0 –

Union ....................................................................... 0.0 0.0 0.0 1.6 1.6

Nonunion ................................................................. 0.0 0.0 0.0 – 3.4

Average wage within the following categories2:

Lowest 25 percent ............................................... 0.0 0.0 0.0 0.0 0.0

Second 25 percent ............................................... 0.0 0.0 0.0 0.0 2.4

Third 25 percent ................................................... 0.0 0.0 0.0 – –

Highest 25 percent ............................................... 0.0 0.0 0.0 – 0.9

Highest 10 percent ........................................... 0.0 0.0 0.0 3.9 6.3

Establishment characteristics

Goods-producing industries ..................................... 0.0 0.0 0.0 – –

Construction ......................................................... 0.0 0.0 0.0 2.6 –

Manufacturing ...................................................... 0.0 0.0 0.0 – 3.9

Service-providing industries ..................................... 0.0 0.0 0.0 – 5.0

Trade, transportation, and utilities ....................... 0.0 0.0 0.0 – –

Wholesale trade ............................................... 0.0 0.0 – 0.0 –

Retail trade ...................................................... 0.0 0.0 0.0 0.0 0.0

Transportation and warehousing ..................... 0.0 0.0 1.3 – 7.8

Utilities ............................................................. 0.0 0.0 – 0.0 3.0

Information ........................................................... 0.0 – – 0.0 0.0

Financial activities ................................................ 0.0 0.0 0.0 – –

Finance and insurance .................................... 0.0 0.0 0.0 5.6 7.7

Credit intermediation and related activities .. 0.0 0.0 – – 0.0

Insurance carriers and related activities ...... 0.0 0.0 – 7.1 0.0

Education and health services ............................. 0.0 0.0 0.0 – 3.6

Educational services:

Junior colleges, colleges, and universities – – – 6.9 0.0

Health care and social assistance ................... 0.0 0.0 0.0 0.0 –

See footnotes at end of table.
Table 34. Standard errors for traditional defined benefit plans: Normal retirement1

 service

requirements, private industry workers, National Compensation Survey, 2014—continued

Characteristics

Normal retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.0 0.0 0.0 – 0.0

1 to 49 workers .................................................... 0.0 0.0 0.0 – 0.0

50 to 99 workers .................................................. 0.0 0.0 0.0 0.0 –

100 workers or more ................................................ 0.0 0.0 0.0 2.4 4.1

100 to 499 workers .............................................. 0.0 0.0 0.0 – –

500 workers or more ............................................ 0.0 0.0 0.0 – 0.0

Geographic areas

Northeast ................................................................. 0.0 0.0 0.0 – 3.4

New England ....................................................... 0.0 0.0 – – 0.0

Middle Atlantic ..................................................... 0.0 0.0 0.0 – –

South ....................................................................... 0.0 0.0 0.0 – 5.4

South Atlantic ....................................................... 0.0 0.0 0.0 – 6.9

East South Central ............................................... 0.0 0.0 0.0 0.0 –

West South Central .............................................. 0.0 0.0 0.0 – –

Midwest .................................................................... 0.0 0.0 0.0 – 0.0

East North Central ............................................... 0.0 0.0 0.0 – 7.5

West North Central .............................................. 0.0 0.0 0.0 – 0.0

West ......................................................................... 0.0 0.0 0.0 – –

Mountain .............................................................. 0.0 0.0 0.0 – 0.0

Pacific .................................................................. 0.0 0.0 0.0 – –

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are satisfied

and the participant may retire and receive all accrued benefits without a reduction or penalty. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 35. Traditional defined benefit plans: Availability of early retirement with selected

requirements,1

 private industry workers, National Compensation Survey, 2014

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Early

retirement

available

Early retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 99 50 55 55 55 55

Management, professional, and related .................. 100 50 55 55 55 55

Management, business, and financial ................. 100 50 55 55 55 55

Professional and related ...................................... 100 50 55 55 55 55

Service ..................................................................... 100 55 55 55 55 55

Sales and office ....................................................... 99 50 55 55 55 55

Sales and related ................................................. 100 50 55 55 55 55

Office and administrative support ........................ 98 50 55 55 55 55

Natural resources, construction, and maintenance 99 50 55 55 55 60

Construction, extraction, farming, fishing, and

forestry ............................................................... 99 55 55 55 55 62

Installation, maintenance, and repair ................... 99 50 50 55 55 55

Production, transportation, and material moving ..... 98 50 50 55 55 55

Production ............................................................ 100 50 55 55 55 55

Transportation and material moving .................... 97 50 50 55 55 57

Full time ................................................................... 99 50 55 55 55 55

Part time .................................................................. 100 50 55 55 55 55

Union ....................................................................... 99 50 52 55 55 55

Nonunion ................................................................. 100 50 55 55 55 55

Average wage within the following categories3:

Lowest 25 percent ............................................... 100 52 55 55 55 55

Second 25 percent ............................................... 99 50 55 55 55 55

Third 25 percent ................................................... 99 50 52 55 55 55

Highest 25 percent ............................................... 99 50 55 55 55 55

Highest 10 percent ........................................... 100 55 55 55 55 55

Establishment characteristics

Goods-producing industries ..................................... 100 50 55 55 55 55

Construction ......................................................... 100 55 55 55 55 60

Manufacturing ...................................................... 100 50 55 55 55 55

Service-providing industries ..................................... 99 50 55 55 55 55

Trade, transportation, and utilities ....................... 98 50 50 55 55 55

Wholesale trade ............................................... 100 50 55 55 55 58

Retail trade ...................................................... 100 50 52 55 55 55

Transportation and warehousing ..................... 94 47 50 50 55 62

Utilities ............................................................. 100 55 55 55 55 55

Information ........................................................... 100 50 50 50 55 55

Financial activities ................................................ 98 50 55 55 55 55

Finance and insurance .................................... 97 50 55 55 55 55

Credit intermediation and related activities .. 100 50 55 55 55 55

Insurance carriers and related activities ...... 95 50 55 55 55 55

Education and health services ............................. 100 50 55 55 55 55

Educational services:

Junior colleges, colleges, and universities 99 45 55 55 55 60

Health care and social assistance ................... 100 50 55 55 55 55

See footnotes at end of table.
Table 35. Traditional defined benefit plans: Availability of

early retirement with selected requirements,1

 private

industry workers, National Compensation Survey,

2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Age 55

Less than 10

years of

service2

10 years or

more of

service

Worker characteristics

All workers ............................................................... 27 43

Management, professional, and related .................. 32 38

Management, business, and financial ................. 43 29

Professional and related ...................................... 25 42

Service ..................................................................... 49 49

Sales and office ....................................................... 29 45

Sales and related ................................................. 22 54

Office and administrative support ........................ 32 41

Natural resources, construction, and maintenance – 46

Construction, extraction, farming, fishing, and

forestry ............................................................... – 60

Installation, maintenance, and repair ................... – 31

Production, transportation, and material moving ..... 15 42

Production ............................................................ 20 53

Transportation and material moving .................... – 33

Full time ................................................................... 26 41

Part time .................................................................. 27 52

Union ....................................................................... 22 41

Nonunion ................................................................. 31 44

Average wage within the following categories3:

Lowest 25 percent ............................................... 32 57

Second 25 percent ............................................... 29 45

Third 25 percent ................................................... 30 40

Highest 25 percent ............................................... 23 41

Highest 10 percent ........................................... 31 43

Establishment characteristics

Goods-producing industries ..................................... 21 53

Construction ......................................................... – 59

Manufacturing ...................................................... 23 55

Service-providing industries ..................................... 29 38

Trade, transportation, and utilities ....................... 17 42

Wholesale trade ............................................... – 66

Retail trade ...................................................... – 53

Transportation and warehousing ..................... – –

Utilities ............................................................. – 67

Information ........................................................... – –

Financial activities ................................................ 45 42

Finance and insurance .................................... 48 38

Credit intermediation and related activities .. 52 –

Insurance carriers and related activities ...... 47 –

Education and health services ............................. – 48

Educational services:

Junior colleges, colleges, and universities 39 –

Health care and social assistance ................... – 56

See footnotes at end of table.
Table 35. Traditional defined benefit plans: Availability of early retirement with selected

requirements,1

 private industry workers, National Compensation Survey, 2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Early

retirement

available

Early retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 50 55 55 55 55

1 to 49 workers .................................................... 100 50 55 55 55 55

50 to 99 workers .................................................. 100 50 55 55 55 57

100 workers or more ................................................ 99 50 55 55 55 55

100 to 499 workers .............................................. 100 50 52 55 55 55

500 workers or more ............................................ 98 50 55 55 55 55

Geographic areas

Northeast ................................................................. 100 50 55 55 55 55

New England ....................................................... 100 50 55 55 55 55

Middle Atlantic ..................................................... 100 50 55 55 55 55

South ....................................................................... 98 50 55 55 55 55

South Atlantic ....................................................... 97 55 55 55 55 55

East South Central ............................................... 96 50 55 55 55 55

West South Central .............................................. 100 50 55 55 55 55

Midwest .................................................................... 100 50 52 55 55 55

East North Central ............................................... 100 50 52 55 55 55

West North Central .............................................. 100 50 52 55 55 60

West ......................................................................... 100 50 50 55 55 55

Mountain .............................................................. 100 55 55 55 55 55

Pacific .................................................................. 100 50 50 55 55 55

See footnotes at end of table.
Table 35. Traditional defined benefit plans: Availability of

early retirement with selected requirements,1

 private

industry workers, National Compensation Survey,

2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Age 55

Less than 10

years of

service2

10 years or

more of

service

1 to 99 workers ........................................................ 28 47

1 to 49 workers .................................................... 37 40

50 to 99 workers .................................................. – 57

100 workers or more ................................................ 26 41

100 to 499 workers .............................................. 22 42

500 workers or more ............................................ 30 39

Geographic areas

Northeast ................................................................. 34 41

New England ....................................................... – 46

Middle Atlantic ..................................................... 37 40

South ....................................................................... 19 49

South Atlantic ....................................................... 22 53

East South Central ............................................... – –

West South Central .............................................. – 50

Midwest .................................................................... 25 42

East North Central ............................................... 26 43

West North Central .............................................. 20 39

West ......................................................................... 31 34

Mountain .............................................................. 74 –

Pacific .................................................................. 18 40

1 Early retirement is the age at which plan participants may retire and receive all accrued

benefits, minus a reduction for the number of years by which their retirement age precedes their

normal retirement age. 2 Includes workers in plans with no minimum service requirements. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 35. Standard errors for traditional defined benefit plans: Availability of early retirement

with selected requirements,1

 private industry workers, National Compensation Survey, 2014

Characteristics

Early

retirement

available

Early retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.5 0.0 0.0 0.0 0.0 0.0

Management, professional, and related .................. 0.1 0.8 0.8 0.0 0.0 0.0

Management, business, and financial ................. 0.2 6.9 0.0 0.0 0.0 0.0

Professional and related ...................................... 3 ( ) 0.0 3.5 0.0 0.0 0.0

Service ..................................................................... 3 ( ) 0.0 0.0 0.0 0.0 0.0

Sales and office ....................................................... 0.8 0.0 0.9 0.0 0.0 0.0

Sales and related ................................................. 0.0 2.0 2.5 0.0 0.0 0.0

Office and administrative support ........................ 1.2 0.0 1.2 0.0 0.0 0.0

Natural resources, construction, and maintenance 0.7 0.0 2.8 0.0 0.0 3.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.7 0.0 0.0 0.0 0.0 2.7

Installation, maintenance, and repair ................... 0.7 0.0 0.0 1.6 0.0 4.6

Production, transportation, and material moving ..... 1.8 0.0 2.3 0.0 0.0 1.5

Production ............................................................ 0.0 0.0 0.0 0.0 0.0 0.0

Transportation and material moving .................... 3.2 3.4 0.0 1.6 0.0 2.4

Full time ................................................................... 0.6 0.0 0.0 0.0 0.0 0.0

Part time .................................................................. 0.0 0.5 2.0 0.0 0.0 0.0

Union ....................................................................... 1.0 0.0 3.3 0.0 0.0 0.0

Nonunion ................................................................. 0.4 3.0 0.0 0.0 0.0 0.0

Average wage within the following categories4:

Lowest 25 percent ............................................... 0.3 3.4 0.0 0.0 0.0 0.0

Second 25 percent ............................................... 0.9 0.4 1.9 0.0 0.0 0.0

Third 25 percent ................................................... 0.8 0.0 4.4 0.0 0.0 0.0

Highest 25 percent ............................................... 0.6 0.0 0.0 0.0 0.0 1.9

Highest 10 percent ........................................... 0.4 2.6 0.0 0.0 0.0 0.0

Establishment characteristics

Goods-producing industries ..................................... 0.0 5.3 0.0 0.0 0.0 0.0

Construction ......................................................... 0.0 0.0 0.0 0.0 0.4 2.7

Manufacturing ...................................................... 0.0 0.0 0.0 0.0 0.0 0.0

Service-providing industries ..................................... 0.7 0.0 3.8 0.0 0.0 0.0

Trade, transportation, and utilities ....................... 2.1 0.0 2.2 0.0 0.0 3.0

Wholesale trade ............................................... 0.0 3.3 3.6 0.0 0.0 4.1

Retail trade ...................................................... 0.0 0.0 4.2 0.0 0.0 0.0

Transportation and warehousing ..................... 6.0 3.9 0.0 6.6 4.6 5.0

Utilities ............................................................. 0.0 0.0 0.0 0.0 0.0 0.0

Information ........................................................... 0.0 0.0 0.0 0.0 2.9 0.0

Financial activities ................................................ 2.4 5.2 0.0 0.0 0.0 0.0

Finance and insurance .................................... 2.6 4.0 0.0 0.0 0.0 0.0

Credit intermediation and related activities .. 0.0 6.7 0.0 0.0 0.0 0.0

Insurance carriers and related activities ...... 4.9 3.5 0.0 0.0 0.0 0.0

Education and health services ............................. 0.1 2.3 3.8 0.0 0.0 0.0

Educational services:

Junior colleges, colleges, and universities 0.8 0.0 10.8 0.0 1.8 4.9

Health care and social assistance ................... 0.0 2.9 4.7 0.0 0.0 0.0

See footnotes at end of table.
Table 35. Standard errors for traditional defined benefit

plans: Availability of early retirement with selected

requirements,1

 private industry workers, National

Compensation Survey, 2014—continued

Characteristics

Age 55

Less than 10

years of

service2

10 years or

more of

service

Worker characteristics

All workers ............................................................... 3.1 3.2

Management, professional, and related .................. 6.4 6.4

Management, business, and financial ................. 10.6 8.4

Professional and related ...................................... 5.9 7.9

Service ..................................................................... 10.2 10.0

Sales and office ....................................................... 3.3 4.3

Sales and related ................................................. 5.0 5.9

Office and administrative support ........................ 4.0 4.8

Natural resources, construction, and maintenance – 4.7

Construction, extraction, farming, fishing, and

forestry ............................................................... – 7.7

Installation, maintenance, and repair ................... – 4.7

Production, transportation, and material moving ..... 3.6 5.9

Production ............................................................ 5.2 8.0

Transportation and material moving .................... – 6.5

Full time ................................................................... 3.5 3.7

Part time .................................................................. 5.8 6.7

Union ....................................................................... 3.5 4.3

Nonunion ................................................................. 4.3 4.6

Average wage within the following categories4:

Lowest 25 percent ............................................... 6.6 5.7

Second 25 percent ............................................... 5.7 5.3

Third 25 percent ................................................... 4.1 4.9

Highest 25 percent ............................................... 4.8 4.4

Highest 10 percent ........................................... 7.1 6.6

Establishment characteristics

Goods-producing industries ..................................... 4.6 5.3

Construction ......................................................... – 8.2

Manufacturing ...................................................... 5.5 7.1

Service-providing industries ..................................... 4.1 3.9

Trade, transportation, and utilities ....................... 2.9 4.2

Wholesale trade ............................................... – 11.9

Retail trade ...................................................... – 4.9

Transportation and warehousing ..................... – –

Utilities ............................................................. – 14.6

Information ........................................................... – –

Financial activities ................................................ 8.3 8.3

Finance and insurance .................................... 7.3 7.0

Credit intermediation and related activities .. 13.2 –

Insurance carriers and related activities ...... 10.4 –

Education and health services ............................. – 12.6

Educational services:

Junior colleges, colleges, and universities 9.3 –

Health care and social assistance ................... – 16.6

See footnotes at end of table.
Table 35. Standard errors for traditional defined benefit plans: Availability of early retirement

with selected requirements,1

 private industry workers, National Compensation Survey,

2014—continued

Characteristics

Early

retirement

available

Early retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.0 0.0 0.0 0.0 0.0 0.7

1 to 49 workers .................................................... 0.0 0.0 0.9 0.0 0.0 0.0

50 to 99 workers .................................................. 0.0 2.7 0.0 0.0 0.0 2.3

100 workers or more ................................................ 0.7 0.0 2.3 0.0 0.0 0.0

100 to 499 workers .............................................. 0.4 0.0 3.7 0.0 0.0 0.0

500 workers or more ............................................ 1.5 0.0 0.0 0.0 0.0 1.1

Geographic areas

Northeast ................................................................. 0.0 0.0 0.0 0.0 0.0 1.9

New England ....................................................... 0.0 0.0 4.7 0.0 0.0 9.9

Middle Atlantic ..................................................... 0.0 0.0 0.0 0.0 0.0 1.2

South ....................................................................... 1.5 2.2 0.0 0.0 0.0 0.0

South Atlantic ....................................................... 2.4 5.4 0.0 0.0 0.0 0.0

East South Central ............................................... 4.9 5.0 5.0 0.0 0.0 0.0

West South Central .............................................. 0.0 3.4 2.0 0.0 0.0 2.3

Midwest .................................................................... 0.0 0.0 3.8 0.0 0.0 0.0

East North Central ............................................... 0.0 0.0 4.5 0.0 0.0 0.0

West North Central .............................................. 0.0 1.0 3.4 0.0 0.0 2.9

West ......................................................................... 0.3 0.0 5.5 0.0 0.0 0.0

Mountain .............................................................. 0.0 0.0 0.0 0.0 0.0 2.8

Pacific .................................................................. 0.4 0.0 1.0 0.5 0.0 0.0

See footnotes at end of table.
Table 35. Standard errors for traditional defined benefit

plans: Availability of early retirement with selected

requirements,1

 private industry workers, National

Compensation Survey, 2014—continued

Characteristics

Age 55

Less than 10

years of

service2

10 years or

more of

service

1 to 99 workers ........................................................ 4.9 5.4

1 to 49 workers .................................................... 8.3 8.1

50 to 99 workers .................................................. – 8.9

100 workers or more ................................................ 3.4 3.9

100 to 499 workers .............................................. 4.5 5.6

500 workers or more ............................................ 5.0 5.1

Geographic areas

Northeast ................................................................. 8.5 6.2

New England ....................................................... – 8.8

Middle Atlantic ..................................................... 10.0 7.4

South ....................................................................... 3.5 6.2

South Atlantic ....................................................... 4.9 7.4

East South Central ............................................... – –

West South Central .............................................. – 12.5

Midwest .................................................................... 3.2 3.9

East North Central ............................................... 4.2 3.9

West North Central .............................................. 3.9 10.1

West ......................................................................... 6.8 7.4

Mountain .............................................................. 5.8 –

Pacific .................................................................. 5.2 10.2

1 Early retirement is the age at which plan participants may retire and receive all accrued

benefits, minus a reduction for the number of years by which their retirement age precedes their

normal retirement age. 2 Includes workers in plans with no minimum service requirements. 3 Less than 0.05. 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 36. Traditional defined benefit plans: Early retirement service requirements,1

 private

industry workers, National Compensation Survey, 2014

(Includes all workers in traditional defined benefit plans with early retirement coverage and a service requirement)

Characteristics

Early retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 5 5 10 10 20

Management, professional, and related .................. 5 5 – 10 15

Management, business, and financial ................. 5 5 5 10 –

Professional and related ...................................... 5 5 – 10 15

Service ..................................................................... 5 5 – 10 10

Sales and office ....................................................... 5 5 10 10 15

Sales and related ................................................. 5 10 10 10 15

Office and administrative support ........................ 5 5 10 10 15

Natural resources, construction, and maintenance 5 – 10 – 25

Construction, extraction, farming, fishing, and

forestry ............................................................... 5 – 10 10 –

Installation, maintenance, and repair ................... 5 – – 25 25

Production, transportation, and material moving ..... 5 5 10 – –

Production ............................................................ 5 – 10 – –

Transportation and material moving .................... 5 5 10 15 –

Full time ................................................................... 5 5 10 10 20

Part time .................................................................. 5 – 10 10 –

Union ....................................................................... 5 5 10 10 25

Nonunion ................................................................. 5 5 10 10 15

Average wage within the following categories2:

Lowest 25 percent ............................................... 5 5 10 10 15

Second 25 percent ............................................... 5 5 10 10 15

Third 25 percent ................................................... 5 5 10 10 –

Highest 25 percent ............................................... 5 5 10 – 25

Highest 10 percent ........................................... 5 5 – 10 15

Establishment characteristics

Goods-producing industries ..................................... 5 5 10 – 20

Construction ......................................................... 5 – 10 10 –

Manufacturing ...................................................... 5 5 10 – 20

Service-providing industries ..................................... 5 5 10 10 20

Trade, transportation, and utilities ....................... 5 5 10 10 –

Wholesale trade ............................................... 5 – 10 10 –

Retail trade ...................................................... 5 10 10 10 15

Transportation and warehousing ..................... 5 5 – – –

Utilities ............................................................. – 10 10 10 –

Information ........................................................... 5 – 25 25 25

Financial activities ................................................ 5 5 – 10 15

Finance and insurance .................................... 5 5 – 10 15

Credit intermediation and related activities .. 5 5 – 10 –

Insurance carriers and related activities ...... 5 5 – 10 15

Education and health services ............................. 5 5 – 10 15

Educational services:

Junior colleges, colleges, and universities 5 5 – – 15

Health care and social assistance ................... 5 5 – 10 –

See footnotes at end of table.
Table 36. Traditional defined benefit plans: Early retirement service requirements,1

 private

industry workers, National Compensation Survey, 2014—continued

(Includes all workers in traditional defined benefit plans with early retirement coverage and a service requirement)

Characteristics

Early retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 5 – 10 – 25

1 to 49 workers .................................................... 5 5 10 – 25

50 to 99 workers .................................................. 5 10 10 – 25

100 workers or more ................................................ 5 5 10 10 15

100 to 499 workers .............................................. 5 5 10 10 –

500 workers or more ............................................ 5 5 – – –

Geographic areas

Northeast ................................................................. 5 5 10 10 –

New England ....................................................... 5 – 10 – 25

Middle Atlantic ..................................................... 5 5 – 10 15

South ....................................................................... 5 5 10 10 15

South Atlantic ....................................................... 5 5 10 10 15

East South Central ............................................... 5 5 5 – 10

West South Central .............................................. 5 – 10 – 25

Midwest .................................................................... 5 5 10 – 25

East North Central ............................................... 5 5 10 15 25

West North Central .............................................. 5 5 10 10 –

West ......................................................................... 5 5 – 10 –

Mountain .............................................................. 5 5 5 – 10

Pacific .................................................................. 5 5 – 10 –

1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a reduction for the number of years by

which their retirement age precedes their normal retirement age. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 36. Standard errors for traditional defined benefit plans: Early retirement service

requirements,1

 private industry workers, National Compensation Survey, 2014

Characteristics

Early retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.0 0.0 0.0 0.0 2.6

Management, professional, and related .................. 0.0 0.0 – 0.0 0.0

Management, business, and financial ................. 0.0 0.0 0.0 0.9 –

Professional and related ...................................... 0.0 0.0 – 0.0 0.9

Service ..................................................................... 0.0 0.0 – 0.0 0.0

Sales and office ....................................................... 0.0 0.0 0.0 0.0 0.0

Sales and related ................................................. 0.0 2.3 0.0 0.0 2.2

Office and administrative support ........................ 0.0 0.0 0.0 0.0 0.0

Natural resources, construction, and maintenance 0.0 – 0.0 – 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 – 0.0 1.8 –

Installation, maintenance, and repair ................... 0.0 – – 0.0 0.0

Production, transportation, and material moving ..... 0.0 0.0 0.0 – –

Production ............................................................ 0.0 – 0.0 – –

Transportation and material moving .................... 0.0 0.0 0.0 3.8 –

Full time ................................................................... 0.0 0.0 0.0 0.0 3.4

Part time .................................................................. 0.0 – 0.0 0.0 –

Union ....................................................................... 0.0 0.0 0.0 0.0 2.4

Nonunion ................................................................. 0.0 0.0 0.0 0.9 0.9

Average wage within the following categories2:

Lowest 25 percent ............................................... 0.0 0.9 0.0 0.0 4.1

Second 25 percent ............................................... 0.0 0.0 0.0 0.0 0.0

Third 25 percent ................................................... 0.0 0.0 1.1 0.9 –

Highest 25 percent ............................................... 0.0 0.0 0.0 – 2.7

Highest 10 percent ........................................... 0.0 0.0 – 0.0 0.0

Establishment characteristics

Goods-producing industries ..................................... 0.0 0.0 0.0 – 4.4

Construction ......................................................... 0.0 – 0.0 1.6 –

Manufacturing ...................................................... 0.0 0.0 0.0 – 0.0

Service-providing industries ..................................... 0.0 0.0 0.0 0.0 5.8

Trade, transportation, and utilities ....................... 0.0 0.0 0.0 0.0 –

Wholesale trade ............................................... 0.0 – 0.0 0.0 –

Retail trade ...................................................... 0.0 1.3 0.0 0.0 0.0

Transportation and warehousing ..................... 0.0 0.0 – – –

Utilities ............................................................. – 0.0 0.0 0.0 –

Information ........................................................... 0.0 – 0.0 0.0 0.0

Financial activities ................................................ 0.0 0.0 – 0.0 2.7

Finance and insurance .................................... 0.0 0.0 – 0.0 2.0

Credit intermediation and related activities .. 0.0 0.0 – 0.0 –

Insurance carriers and related activities ...... 0.0 0.0 – 1.3 0.0

Education and health services ............................. 0.0 0.0 – 0.0 0.9

Educational services:

Junior colleges, colleges, and universities 0.0 0.0 – – 0.0

Health care and social assistance ................... 0.0 0.0 – 0.0 –

See footnotes at end of table.
Table 36. Standard errors for traditional defined benefit plans: Early retirement service

requirements,1

 private industry workers, National Compensation Survey, 2014—continued

Characteristics

Early retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.0 – 0.0 – 0.0

1 to 49 workers .................................................... 0.0 1.0 0.0 – 0.0

50 to 99 workers .................................................. 0.0 1.8 0.0 – 3.9

100 workers or more ................................................ 0.0 0.0 0.0 0.0 2.9

100 to 499 workers .............................................. 0.0 0.0 0.0 0.0 –

500 workers or more ............................................ 0.0 0.0 – – –

Geographic areas

Northeast ................................................................. 0.0 0.0 0.9 0.0 –

New England ....................................................... 0.0 – 0.0 – 0.0

Middle Atlantic ..................................................... 0.0 0.0 – 0.0 4.0

South ....................................................................... 0.0 0.0 0.0 1.8 4.0

South Atlantic ....................................................... 0.0 0.0 0.0 1.8 0.0

East South Central ............................................... 0.0 0.0 0.0 – 0.0

West South Central .............................................. 0.0 – 0.0 – 7.1

Midwest .................................................................... 0.0 0.0 0.0 – 4.3

East North Central ............................................... 0.0 0.0 0.0 1.8 6.6

West North Central .............................................. 0.0 0.0 0.0 2.6 –

West ......................................................................... 0.0 0.0 – 0.0 –

Mountain .............................................................. 0.0 0.0 0.0 – 0.0

Pacific .................................................................. 0.0 0.0 – 0.0 –

1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a reduction for the number of years by

which their retirement age precedes their normal retirement age. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 37. Traditional defined benefit plans: Early retirement reductions,1

 private industry

workers, National Compensation Survey, 2014

(All workers participating in traditional defined benefit plans with early retirement = 100 percent)

Characteristics

Flat percent

per year

reduction2

Reduction

varies by age

or service3

Actuarial

reduction4

Other

reduction5

Not

determinable

Worker characteristics

All workers ............................................................... 39 44 14 – 3

Management, professional, and related .................. 30 42 – – 5

Management, business, and financial ................. 37 37 – – –

Professional and related ...................................... 27 45 – – 8

Service ..................................................................... 31 45 – – 2

Sales and office ....................................................... 32 56 11 – 1

Sales and related ................................................. 20 61 – – 4

Office and administrative support ........................ 37 54 9 – 6 ( )

Natural resources, construction, and maintenance 62 33 – – 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 61 33 – – –

Installation, maintenance, and repair ................... 62 32 – – 1

Production, transportation, and material moving ..... 42 46 – – 2

Production ............................................................ 32 55 – – 4

Transportation and material moving .................... 49 38 – – –

Full time ................................................................... 40 42 15 – 3

Part time .................................................................. 34 57 – – 6 ( )

Union ....................................................................... 48 39 – – 1

Nonunion ................................................................. 29 49 17 – 4

Average wage within the following categories7:

Lowest 25 percent ............................................... – 60 – – 6 ( )

Second 25 percent ............................................... 29 52 – – 1

Third 25 percent ................................................... 43 42 – – 1

Highest 25 percent ............................................... 43 40 13 – 4

Highest 10 percent ........................................... 37 46 – – 3

Establishment characteristics

Goods-producing industries ..................................... 40 47 – – 1

Construction ......................................................... 60 34 – – –

Manufacturing ...................................................... 29 59 – – 2

Service-providing industries ..................................... 39 42 16 – 3

Trade, transportation, and utilities ....................... 37 53 – – –

Wholesale trade ............................................... – 64 – – –

Retail trade ...................................................... – 75 – – –

Transportation and warehousing ..................... 63 – – – –

Utilities ............................................................. 69 – – – –

Information ........................................................... 56 – – – –

Financial activities ................................................ 39 46 – – 3

Finance and insurance .................................... 35 49 – – 3

Credit intermediation and related activities .. – 68 – – –

Insurance carriers and related activities ...... 33 46 – – 7

Education and health services ............................. 39 33 – – 6

Educational services:

Junior colleges, colleges, and universities 47 37 – – 8

Health care and social assistance ................... 42 – – – 7

See footnotes at end of table.
Table 37. Traditional defined benefit plans: Early retirement reductions,1

 private industry

workers, National Compensation Survey, 2014—continued

(All workers participating in traditional defined benefit plans with early retirement = 100 percent)

Characteristics

Flat percent

per year

reduction2

Reduction

varies by age

or service3

Actuarial

reduction4

Other

reduction5

Not

determinable

1 to 99 workers ........................................................ 48 37 – – 1

1 to 49 workers .................................................... 57 34 – – 1

50 to 99 workers .................................................. 36 41 – – –

100 workers or more ................................................ 36 47 15 – 3

100 to 499 workers .............................................. 36 44 – – 3

500 workers or more ............................................ 35 49 – – 4

Geographic areas

Northeast ................................................................. 46 41 12 – 6 ( )

New England ....................................................... 51 48 – – –

Middle Atlantic ..................................................... 45 40 15 – 1

South ....................................................................... 41 43 – – 3

South Atlantic ....................................................... 43 45 9 – 3

West South Central .............................................. 35 42 – – 4

Midwest .................................................................... 36 49 – – 4

East North Central ............................................... 37 49 – – 1

West North Central .............................................. 33 48 – – 12

West ......................................................................... 32 43 – – 3

Mountain .............................................................. – 67 19 – 3

Pacific .................................................................. 38 36 – – 3

1 Early retirement is the age, length of service, or combination of age and length of service, requirements at which plan participants may retire and

receive all accrued benefits, minus a reduction or penalty. 2 Formerly uniform reduction and reflects a reduction in the benefit amount for each year by which early retirement precedes normal retirement. In

specific cases, flat percent per year reductions may approximate actuarial reductions, such as early retirement at age 55 with a reduction of 6 percent

per year between age 55 and the plan’s normal retirement age of 62. 3 The rate of reduction is held constant within age brackets, but differs among brackets, sometimes in approximation of an actuarial table. For

example, benefits may be reduced by 6 percent for each year between age 60 and the plan’s normal retirement age, and by 3 percent for each year

retirement precedes age 60. Also includes some plans that reduce benefits arithmetically for each year immediately below normal retirement age and

actuarially below a specified age, usually 55. 4 The amount of the normal retirement benefit is reduced based on actuarial assumptions, so that on average, the beneficiary receives the same

total lifetime benefit regardless of retirement age. 5 Reduction not derived from normal retirement formula. 6 Less than 0.5. 7 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 37. Standard errors for traditional defined benefit plans: Early retirement reductions,1

private industry workers, National Compensation Survey, 2014

Characteristics

Flat percent

per year

reduction2

Reduction

varies by age

or service3

Actuarial

reduction4

Other

reduction5

Not

determinable

Worker characteristics

All workers ............................................................... 2.7 2.9 2.8 – 1.0

Management, professional, and related .................. 5.4 6.5 – – 2.7

Management, business, and financial ................. 9.6 9.7 – – –

Professional and related ...................................... 6.0 7.0 – – 4.0

Service ..................................................................... 8.9 12.3 – – 1.6

Sales and office ....................................................... 4.0 4.1 2.8 – 1.2

Sales and related ................................................. 5.9 7.0 – – 3.7

Office and administrative support ........................ 4.9 5.2 2.7 – 6 ( )

Natural resources, construction, and maintenance 5.8 5.3 – – 0.5

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.9 7.2 – – –

Installation, maintenance, and repair ................... 8.5 7.5 – – 1.0

Production, transportation, and material moving ..... 6.5 6.4 – – 1.6

Production ............................................................ 7.3 8.7 – – 3.5

Transportation and material moving .................... 8.9 8.2 – – –

Full time ................................................................... 3.0 3.2 3.0 – 1.2

Part time .................................................................. 5.9 6.2 – – 0.2

Union ....................................................................... 4.0 3.8 – – 0.8

Nonunion ................................................................. 3.9 4.5 3.6 – 1.9

Average wage within the following categories7:

Lowest 25 percent ............................................... – 7.9 – – 0.2

Second 25 percent ............................................... 5.2 7.4 – – 1.2

Third 25 percent ................................................... 4.9 4.9 – – 0.9

Highest 25 percent ............................................... 4.1 4.2 3.2 – 1.6

Highest 10 percent ........................................... 6.6 7.8 – – 1.9

Establishment characteristics

Goods-producing industries ..................................... 4.4 5.7 – – 1.3

Construction ......................................................... 7.7 8.0 – – –

Manufacturing ...................................................... 5.2 6.8 – – 2.2

Service-providing industries ..................................... 3.4 3.5 3.5 – 1.4

Trade, transportation, and utilities ....................... 5.4 5.5 – – –

Wholesale trade ............................................... – 12.3 – – –

Retail trade ...................................................... – 5.9 – – –

Transportation and warehousing ..................... 14.8 – – – –

Utilities ............................................................. 15.3 – – – –

Information ........................................................... 13.0 – – – –

Financial activities ................................................ 9.9 7.9 – – 3.2

Finance and insurance .................................... 8.2 7.2 – – 3.4

Credit intermediation and related activities .. – 11.2 – – –

Insurance carriers and related activities ...... 8.9 8.7 – – 6.7

Education and health services ............................. 8.1 8.3 – – 3.2

Educational services:

Junior colleges, colleges, and universities 10.5 9.6 – – 5.3

Health care and social assistance ................... 9.7 – – – 3.9

See footnotes at end of table.
Table 37. Standard errors for traditional defined benefit plans: Early retirement reductions,1

private industry workers, National Compensation Survey, 2014—continued

Characteristics

Flat percent

per year

reduction2

Reduction

varies by age

or service3

Actuarial

reduction4

Other

reduction5

Not

determinable

1 to 99 workers ........................................................ 6.6 4.5 – – 0.7

1 to 49 workers .................................................... 6.7 5.9 – – 1.3

50 to 99 workers .................................................. 9.8 6.8 – – –

100 workers or more ................................................ 3.6 4.1 3.6 – 1.4

100 to 499 workers .............................................. 4.7 5.8 – – 2.2

500 workers or more ............................................ 4.9 5.9 – – 1.7

Geographic areas

Northeast ................................................................. 5.9 4.9 3.5 – 0.3

New England ....................................................... 12.6 11.9 – – –

Middle Atlantic ..................................................... 6.7 5.3 4.4 – 0.4

South ....................................................................... 4.8 5.6 – – 1.8

South Atlantic ....................................................... 6.6 6.6 2.4 – 2.1

West South Central .............................................. 5.8 10.6 – – 4.1

Midwest .................................................................... 4.0 5.4 – – 3.1

East North Central ............................................... 4.7 6.2 – – 1.2

West North Central .............................................. 7.7 11.4 – – 9.8

West ......................................................................... 6.0 7.3 – – 2.1

Mountain .............................................................. – 8.2 5.4 – 3.0

Pacific .................................................................. 7.6 7.4 – – 2.6

1 Reduction for each year prior to normal retirement. 2 Formerly uniform reduction and reflects a reduction in the benefit amount for each year by which early retirement precedes normal retirement. In

specific cases, flat percent per year reductions may approximate actuarial reductions, such as early retirement at age 55 with a reduction of 6 percent

per year between age 55 and the plan’s normal retirement age of 62. 3 The rate of reduction is held constant within age brackets, but differs among brackets, sometimes in approximation of an actuarial table. For

example, benefits may be reduced by 6 percent for each year between age 60 and the plan’s normal retirement age, and by 3 percent for each year

retirement precedes age 60. Also includes some plans that reduce benefits arithmetically for each year immediately below normal retirement age and

actuarially below a specified age, usually 55. 4 The amount of the normal retirement benefit is reduced based on actuarial assumptions, so that on average, the beneficiary receives the same

total lifetime benefit regardless of retirement age. 5 Reduction not derived from normal retirement formula. 6 Less than 0.05. 7 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 38. Traditional defined benefit plans: Disability retirement benefits, private industry workers, National

Compensation Survey, 2014

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Disability

retirement

available

Disability retirement begins Disability

retirement not

available

Not

determinable Immediate1 Deferred Not

determinable

Worker characteristics

All workers ............................................................... 82 53 29 1 16 2

Management, professional, and related .................. 77 40 36 1 20 3

Management, business, and financial ................. 81 30 50 1 19 2 ( )

Professional and related ...................................... 75 45 29 1 21 4

Service ..................................................................... 93 66 ––––

Sales and office ....................................................... 82 55 25 1 15 3

Sales and related ................................................. 80 62 ––––

Office and administrative support ........................ 82 52 29 1 16 2

Natural resources, construction, and maintenance 85 71 13 1 15 2 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 87 82 ––––

Installation, maintenance, and repair ................... 83 60 – – 17 2 ( )

Production, transportation, and material moving ..... 83 48 35 – 16 1

Production ............................................................ 73 44 – – 26 1

Transportation and material moving .................... 91 51 40 – – –

Full time ................................................................... 81 50 30 1 17 2

Part time .................................................................. 92 73 ––––

Union ....................................................................... 90 73 17 2 ( ) 9 1

Nonunion ................................................................. 74 31 41 1 24 3

Average wage within the following categories3:

Lowest 25 percent ............................................... 95 73 ––––

Second 25 percent ............................................... 80 46 34 1 19 1

Third 25 percent ................................................... 84 60 24 1 15 1

Highest 25 percent ............................................... 80 48 31 1 18 2

Highest 10 percent ........................................... 77 34 42 1 19 4

Establishment characteristics

Goods-producing industries ..................................... 81 57 24 – 19 –

Construction ......................................................... 85 85 ––––

Manufacturing ...................................................... 80 48 32 – 20 –

Service-providing industries ..................................... 83 51 31 1 15 2

Trade, transportation, and utilities ....................... 86 53 30 3 12 2

Wholesale trade ............................................... 85 – – 18 – –

Retail trade ...................................................... 89 80 ––––

Transportation and warehousing ..................... 98 – 63 – – –

Utilities ............................................................. – – –––3

Information ........................................................... 71 67 ––––

Financial activities ................................................ 75 32 43 – 22 3

Finance and insurance .................................... 73 27 46 – 23 3

Credit intermediation and related activities .. 92 – 81 – – –

Insurance carriers and related activities ...... 79 42 37 – – –

Education and health services ............................. 74 56 17 1 21 5

Educational services:

Junior colleges, colleges, and universities 74 – – 10 – –

Health care and social assistance ................... 77 63 ––––

See footnotes at end of table.
Table 38. Traditional defined benefit plans: Disability retirement benefits, private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Disability

retirement

available

Disability retirement begins Disability

retirement not

available

Not

determinable Immediate1 Deferred Not

determinable

1 to 99 workers ........................................................ 74 46 28 – 24 1

1 to 49 workers .................................................... 73 46 – – 25 2

50 to 99 workers .................................................. 76 46 – – 23 2 ( )

100 workers or more ................................................ 86 56 29 1 13 2

100 to 499 workers .............................................. 86 68 17 1 13 1

500 workers or more ............................................ 85 42 43 1 12 3

Geographic areas

Northeast ................................................................. 88 50 36 2 – –

New England ....................................................... 79 56 ––––

Middle Atlantic ..................................................... 90 48 42 – – –

South ....................................................................... 75 33 42 – 25 1

South Atlantic ....................................................... 76 37 39 – 23 1

East South Central ............................................... 71 – ––––

West South Central .............................................. 74 29 44 – 26 –

Midwest .................................................................... 84 66 – – 15 1

East North Central ............................................... 81 59 – – 18 1

West North Central .............................................. 92 84 ––––

West ......................................................................... 85 72 ––95

Mountain .............................................................. 90 69 20 – – –

Pacific .................................................................. 84 73 ––––

1 Immediate disability pensions may be supplemented by additional allowances until an employee reaches a specified age or becomes eligible for Social Security. 2 Less than 0.5. 3 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 38. Standard errors for traditional defined benefit plans: Disability retirement benefits, private industry

workers, National Compensation Survey, 2014

Characteristics

Disability

retirement

available

Disability retirement begins Disability

retirement not

available

Not

determinable Immediate1 Deferred Not

determinable

Worker characteristics

All workers ............................................................... 1.8 3.4 3.1 0.5 1.8 0.7

Management, professional, and related .................. 3.8 6.7 6.1 1.0 3.8 1.6

Management, business, and financial ................. 4.0 7.4 8.9 0.7 4.0 2 ( )

Professional and related ...................................... 4.8 7.3 5.8 1.3 4.9 2.4

Service ..................................................................... 3.8 8.2 ––––

Sales and office ....................................................... 4.0 4.5 3.6 0.7 3.6 1.7

Sales and related ................................................. 6.6 7.1 ––––

Office and administrative support ........................ 4.2 5.4 3.8 1.0 4.0 1.5

Natural resources, construction, and maintenance 4.0 5.0 3.7 0.6 4.0 0.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 7.0 7.5 ––––

Installation, maintenance, and repair ................... 3.6 7.3 – – 3.6 0.1

Production, transportation, and material moving ..... 3.3 6.2 6.1 – 3.2 0.5

Production ............................................................ 5.4 8.4 – – 5.3 1.0

Transportation and material moving .................... 3.0 7.4 6.8 – – –

Full time ................................................................... 2.1 3.7 3.6 0.5 2.0 0.8

Part time .................................................................. 2.5 6.5 ––––

Union ....................................................................... 1.8 4.1 3.7 0.2 1.8 0.4

Nonunion ................................................................. 3.1 4.2 4.9 1.0 3.1 1.3

Average wage within the following categories3:

Lowest 25 percent ............................................... 2.3 7.4 ––––

Second 25 percent ............................................... 4.6 5.7 6.7 0.8 4.6 0.7

Third 25 percent ................................................... 3.5 6.0 4.8 0.4 3.5 0.7

Highest 25 percent ............................................... 2.6 4.1 4.3 0.8 2.6 1.1

Highest 10 percent ........................................... 3.9 6.3 7.2 1.0 3.4 2.5

Establishment characteristics

Goods-producing industries ..................................... 3.4 6.5 6.2 – 3.4 –

Construction ......................................................... 7.2 7.2 ––––

Manufacturing ...................................................... 4.4 7.0 8.2 – 4.4 –

Service-providing industries ..................................... 2.5 4.1 3.7 0.7 2.4 1.0

Trade, transportation, and utilities ....................... 2.6 5.7 5.5 1.9 2.6 0.8

Wholesale trade ............................................... 9.6 – – 11.8 – –

Retail trade ...................................................... 3.2 4.5 ––––

Transportation and warehousing ..................... 2.1 – 12.6 – – –

Utilities ............................................................. – – – – – 1.9

Information ........................................................... 10.7 10.7 ––––

Financial activities ................................................ 6.7 8.4 6.5 – 6.1 3.1

Finance and insurance .................................... 6.4 5.9 6.1 – 5.8 3.3

Credit intermediation and related activities .. 4.9 – 9.5 – – –

Insurance carriers and related activities ...... 8.3 9.2 8.0 – – –

Education and health services ............................. 6.5 9.4 5.0 0.2 6.0 3.9

Educational services:

Junior colleges, colleges, and universities 6.7 – – 2.2 – –

Health care and social assistance ................... 7.3 9.9 ––––

See footnotes at end of table.
Table 38. Standard errors for traditional defined benefit plans: Disability retirement benefits, private industry

workers, National Compensation Survey, 2014—continued

Characteristics

Disability

retirement

available

Disability retirement begins Disability

retirement not

available

Not

determinable Immediate1 Deferred Not

determinable

1 to 99 workers ........................................................ 5.3 5.6 5.9 – 5.2 0.9

1 to 49 workers .................................................... 7.3 7.5 – – 7.1 1.5

50 to 99 workers .................................................. 5.8 9.6 – – 5.7 0.4

100 workers or more ................................................ 1.8 4.0 3.7 0.7 1.8 1.0

100 to 499 workers .............................................. 2.9 4.8 3.3 1.2 2.8 0.5

500 workers or more ............................................ 2.7 5.8 5.6 0.3 2.7 2.0

Geographic areas

Northeast ................................................................. 3.6 7.4 7.1 1.8 – –

New England ....................................................... 10.9 13.5 ––––

Middle Atlantic ..................................................... 3.0 9.0 8.9 – – –

South ....................................................................... 2.9 5.5 6.0 – 2.9 0.3

South Atlantic ....................................................... 3.1 7.6 8.6 – 3.1 0.5

East South Central ............................................... 10.6 – ––––

West South Central .............................................. 5.9 8.3 8.7 – 5.9 –

Midwest .................................................................... 4.2 7.1 – – 4.2 0.9

East North Central ............................................... 5.1 8.9 – – 5.1 1.2

West North Central .............................................. 4.8 3.6 ––––

West ......................................................................... 3.2 5.8 – – 2.5 3.5

Mountain .............................................................. 4.7 6.4 4.7 – – –

Pacific .................................................................. 4.1 7.2 ––––

1 Immediate disability pensions may be supplemented by additional allowances until an employee reaches a specified age or becomes eligible for Social Security. 2 Less than 0.05. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 39. Traditional defined benefit plans: Postretirement survivor benefits,

private industry workers, National Compensation Survey, 2014

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Joint-andsurvivor

annuity1

Selected joint-and-survivor annuity

percentages

50 percent Other fixed

percentage

Choice of

percentages

Worker characteristics

All workers ............................................................... 100 – – 82

Management, professional, and related .................. 100 – – 83

Management, business, and financial ................. 100 – – 81

Professional and related ...................................... 100 – – 84

Service ..................................................................... 100 – – 79

Sales and office ....................................................... 100 – – 89

Sales and related ................................................. 100 – – 87

Office and administrative support ........................ 100 – – 90

Natural resources, construction, and maintenance 100 – – 91

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – 94

Installation, maintenance, and repair ................... 100 – – 88

Production, transportation, and material moving ..... 100 – – 68

Production ............................................................ 100 – – 84

Transportation and material moving .................... 100 – – 56

Full time ................................................................... 100 – – 82

Part time .................................................................. 100 – – 85

Union ....................................................................... 100 – – 81

Nonunion ................................................................. 100 – – 83

Average wage within the following categories2:

Lowest 25 percent ............................................... 100 – – 99

Second 25 percent ............................................... 100 – – 77

Third 25 percent ................................................... 100 – – 87

Highest 25 percent ............................................... 100 – – 78

Highest 10 percent ........................................... 100 – – 79

Establishment characteristics

Goods-producing industries ..................................... 100 – – 87

Construction ......................................................... 100 – – 95

Manufacturing ...................................................... 100 – – 80

Service-providing industries ..................................... 100 – – 80

Trade, transportation, and utilities ....................... 100 – – 74

Wholesale trade ............................................... 100 – – 60

Retail trade ...................................................... 100 – – 100

Transportation and warehousing ..................... 100 51 – –

Utilities ............................................................. 100 – – 91

Information ........................................................... 100 – – 98

Financial activities ................................................ 100 – – 69

Finance and insurance .................................... 100 – – 67

Credit intermediation and related activities .. 100 – – –

Insurance carriers and related activities ...... 100 – – 70

Education and health services ............................. 100 – – 92

Educational services:

Junior colleges, colleges, and universities 100 – – –

Health care and social assistance ................... 100 – – 94

See footnotes at end of table.
Table 39. Traditional defined benefit plans: Postretirement survivor benefits,

private industry workers, National Compensation Survey, 2014—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Joint-andsurvivor

annuity1

Selected joint-and-survivor annuity

percentages

50 percent Other fixed

percentage

Choice of

percentages

1 to 99 workers ........................................................ 100 16 – 84

1 to 49 workers .................................................... 100 – – 80

50 to 99 workers .................................................. 100 – – 89

100 workers or more ................................................ 100 – – 82

100 to 499 workers .............................................. 100 – – 84

500 workers or more ............................................ 100 – – 78

Geographic areas

Northeast ................................................................. 100 24 – 76

New England ....................................................... 100 – – 80

Middle Atlantic ..................................................... 100 25 – 75

South ....................................................................... 100 19 – 81

South Atlantic ....................................................... 100 – – 81

East South Central ............................................... 100 – – 63

West South Central .............................................. 100 – – 87

Midwest .................................................................... 100 – – 84

East North Central ............................................... 100 – – 84

West North Central .............................................. 100 – – 86

West ......................................................................... 100 – – 89

Mountain .............................................................. 100 – – 74

Pacific .................................................................. 100 – – 94

1 See glossary for additional information. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data

do 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/glossary20142015.htm.
Table 39. Standard errors for traditional defined benefit plans: Postretirement

survivor benefits, private industry workers, National Compensation Survey, 2014

Characteristics

Joint-andsurvivor

annuity1

Selected joint-and-survivor annuity

percentages

50 percent Other fixed

percentage

Choice of

percentages

Worker characteristics

All workers ............................................................... 0.0 – – 2.6

Management, professional, and related .................. 0.0 – – 4.8

Management, business, and financial ................. 0.0 – – 9.8

Professional and related ...................................... 0.0 – – 4.8

Service ..................................................................... 0.0 – – 10.1

Sales and office ....................................................... 0.0 – – 2.2

Sales and related ................................................. 0.0 – – 4.7

Office and administrative support ........................ 0.0 – – 2.0

Natural resources, construction, and maintenance 0.0 – – 3.6

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 – – 4.5

Installation, maintenance, and repair ................... 0.0 – – 5.2

Production, transportation, and material moving ..... 0.0 – – 6.1

Production ............................................................ 0.0 – – 7.2

Transportation and material moving .................... 0.0 – – 8.1

Full time ................................................................... 0.0 – – 2.9

Part time .................................................................. 0.0 – – 5.8

Union ....................................................................... 0.0 – – 3.5

Nonunion ................................................................. 0.0 – – 3.2

Average wage within the following categories2:

Lowest 25 percent ............................................... 0.0 – – 0.6

Second 25 percent ............................................... 0.0 – – 5.3

Third 25 percent ................................................... 0.0 – – 3.1

Highest 25 percent ............................................... 0.0 – – 4.0

Highest 10 percent ........................................... 0.0 – – 6.2

Establishment characteristics

Goods-producing industries ..................................... 0.0 – – 3.6

Construction ......................................................... 0.0 – – 4.6

Manufacturing ...................................................... 0.0 – – 5.9

Service-providing industries ..................................... 0.0 – – 3.4

Trade, transportation, and utilities ....................... 0.0 – – 5.7

Wholesale trade ............................................... 0.0 – – 14.9

Retail trade ...................................................... 0.0 – – 0.0

Transportation and warehousing ..................... 0.0 11.9 – –

Utilities ............................................................. 0.0 – – 5.8

Information ........................................................... 0.0 – – 1.4

Financial activities ................................................ 0.0 – – 5.8

Finance and insurance .................................... 0.0 – – 6.1

Credit intermediation and related activities .. 0.0 – – –

Insurance carriers and related activities ...... 0.0 – – 10.9

Education and health services ............................. 0.0 – – 3.5

Educational services:

Junior colleges, colleges, and universities 0.0 – – –

Health care and social assistance ................... 0.0 – – 3.8

See footnotes at end of table.
Table 39. Standard errors for traditional defined benefit plans: Postretirement

survivor benefits, private industry workers, National Compensation Survey,

2014—continued

Characteristics

Joint-andsurvivor

annuity1

Selected joint-and-survivor annuity

percentages

50 percent Other fixed

percentage

Choice of

percentages

1 to 99 workers ........................................................ 0.0 4.4 – 4.4

1 to 49 workers .................................................... 0.0 – – 6.4

50 to 99 workers .................................................. 0.0 – – 6.2

100 workers or more ................................................ 0.0 – – 3.3

100 to 499 workers .............................................. 0.0 – – 4.2

500 workers or more ............................................ 0.0 – – 4.9

Geographic areas

Northeast ................................................................. 0.0 4.4 – 4.4

New England ....................................................... 0.0 – – 8.0

Middle Atlantic ..................................................... 0.0 5.1 – 5.1

South ....................................................................... 0.0 4.7 – 4.7

South Atlantic ....................................................... 0.0 – – 6.0

East South Central ............................................... 0.0 – – 15.2

West South Central .............................................. 0.0 – – 6.8

Midwest .................................................................... 0.0 – – 6.0

East North Central ............................................... 0.0 – – 7.5

West North Central .............................................. 0.0 – – 9.7

West ......................................................................... 0.0 – – 5.3

Mountain .............................................................. 0.0 – – 19.1

Pacific .................................................................. 0.0 – – 3.8

1 See glossary for additional information. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 40. Defined contribution plans: Type of plan,1

 private industry workers, National

Compensation Survey, 2014

(All workers participating in defined contribution plans = 100 percent)

Characteristics Savings and

thrift

Deferred

profit

sharing

Money

purchase

pension

Employee

stock

ownership

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Worker characteristics

All workers ............................................................... 75 18 17 4 – 2

Management, professional, and related .................. 79 14 21 – – –

Management, business, and financial ................. 84 14 17 2 – –

Professional and related ...................................... 75 14 24 – – –

Service ..................................................................... 60 30 23 – – –

Sales and office ....................................................... 78 20 11 6 – 2

Sales and related ................................................. 80 17 6 – – –

Office and administrative support ........................ 77 22 14 6 – –

Natural resources, construction, and maintenance 60 19 20 7 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 48 14 34 – – –

Installation, maintenance, and repair ................... 65 21 13 – – –

Production, transportation, and material moving ..... 76 20 12 – – –

Production ............................................................ 74 20 13 – – –

Transportation and material moving .................... 79 21 – – – –

Full time ................................................................... 76 18 17 4 – 2

Part time .................................................................. 67 20 14 7 – –

Union ....................................................................... 64 10 29 8 – –

Nonunion ................................................................. 76 19 16 4 – 2

Average wage within the following categories2:

Lowest 25 percent ............................................... 70 23 9 8 – –

Lowest 10 percent ........................................... 73 27 – – – –

Second 25 percent ............................................... 75 20 14 – – –

Third 25 percent ................................................... 73 21 16 3 – 2

Highest 25 percent ............................................... 78 15 22 3 – –

Highest 10 percent ........................................... 79 14 25 – – –

Establishment characteristics

Goods-producing industries ..................................... 77 15 17 – – –

Construction ......................................................... 50 18 25 – – –

Manufacturing ...................................................... 83 15 15 – – –

Service-providing industries ..................................... 74 19 17 4 – 2

Trade, transportation, and utilities ....................... 79 22 9 7 – –

Wholesale trade ............................................... 78 27 – – – –

Retail trade ...................................................... 79 21 – 11 – –

Transportation and warehousing ..................... 80 – – – – –

Utilities ............................................................. 97 – – – – –

Information ........................................................... 71 13 – – – –

Financial activities ................................................ 83 19 17 4 – –

Finance and insurance .................................... 86 18 17 4 – –

Credit intermediation and related activities .. 88 21 17 6 – –

Insurance carriers and related activities ...... 84 13 – – – –

Professional and business services ..................... 81 19 7 – – –

Professional and technical services ................. 85 17 – – – –

Education and health services ............................. 61 – 36 – – –

Educational services ........................................ 54 – 61 – – –

Junior colleges, colleges, and universities ... 35 – 78 – – –

Health care and social assistance ................... 63 – 32 – – –

See footnotes at end of table.
Table 40. Defined contribution plans: Type of plan,1

 private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in defined contribution plans = 100 percent)

Characteristics Savings and

thrift

Deferred

profit

sharing

Money

purchase

pension

Employee

stock

ownership

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Leisure and hospitality ......................................... 83 – – – – –

Other services ...................................................... 55 – – – – –

1 to 99 workers ........................................................ 68 25 11 6 – 5

1 to 49 workers .................................................... 66 27 9 – – 5

50 to 99 workers .................................................. 71 20 14 – – –

100 workers or more ................................................ 80 14 22 3 – –

100 to 499 workers .............................................. 81 17 14 4 – –

500 workers or more ............................................ 79 10 31 – – –

Geographic areas

Northeast ................................................................. 74 18 16 – – –

New England ....................................................... 71 – 16 – – –

Middle Atlantic ..................................................... 75 16 17 – – –

South ....................................................................... 77 15 17 5 – –

South Atlantic ....................................................... 76 18 18 – – –

East South Central ............................................... 72 8 – – – –

West South Central .............................................. 82 13 11 – – –

Midwest .................................................................... 70 24 18 – – –

East North Central ............................................... 69 25 20 – – –

West North Central .............................................. 74 22 15 5 – –

West ......................................................................... 78 – 16 – – –

Mountain .............................................................. 74 – – – – –

Pacific .................................................................. 80 – 21 – – –

1 Sum of individual items may be greater than total because multiple plans are available to some employees. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 40. Standard errors for defined contribution plans: Type of plan, private industry workers,

National Compensation Survey, 2014

Characteristics Savings and

thrift

Deferred

profit

sharing

Money

purchase

pension

Employee

stock

ownership

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Worker characteristics

All workers ............................................................... 1.6 1.6 1.3 0.8 – 0.4

Management, professional, and related .................. 2.4 1.9 2.1 – – –

Management, business, and financial ................. 2.3 2.0 2.5 0.7 – –

Professional and related ...................................... 3.1 2.7 2.8 – – –

Service ..................................................................... 5.8 5.8 3.7 – – –

Sales and office ....................................................... 2.1 2.3 1.4 1.1 – 0.5

Sales and related ................................................. 2.2 2.4 1.6 – – –

Office and administrative support ........................ 2.8 3.3 1.9 1.3 – –

Natural resources, construction, and maintenance 3.7 3.7 2.9 2.1 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 8.1 4.0 7.0 – – –

Installation, maintenance, and repair ................... 4.5 5.1 3.1 – – –

Production, transportation, and material moving ..... 3.6 3.0 3.2 – – –

Production ............................................................ 4.1 4.0 2.8 – – –

Transportation and material moving .................... 4.0 3.8 – – – –

Full time ................................................................... 1.8 1.7 1.5 0.8 – 0.4

Part time .................................................................. 4.7 3.9 2.3 1.8 – –

Union ....................................................................... 3.9 2.9 4.0 2.4 – –

Nonunion ................................................................. 1.8 1.7 1.4 0.8 – 0.4

Average wage within the following categories1:

Lowest 25 percent ............................................... 4.5 3.6 2.1 2.4 – –

Lowest 10 percent ........................................... 8.7 5.7 – – – –

Second 25 percent ............................................... 2.1 2.2 2.2 – – –

Third 25 percent ................................................... 3.0 3.0 2.1 0.8 – 0.7

Highest 25 percent ............................................... 2.1 1.8 1.8 1.0 – –

Highest 10 percent ........................................... 3.1 2.2 2.9 – – –

Establishment characteristics

Goods-producing industries ..................................... 2.3 2.8 2.4 – – –

Construction ......................................................... 5.6 4.6 5.0 – – –

Manufacturing ...................................................... 2.6 2.9 2.8 – – –

Service-providing industries ..................................... 2.0 1.9 1.6 0.9 – 0.4

Trade, transportation, and utilities ....................... 2.0 2.6 2.4 2.0 – –

Wholesale trade ............................................... 4.5 5.6 – – – –

Retail trade ...................................................... 2.3 4.8 – 2.2 – –

Transportation and warehousing ..................... 4.3 – – – – –

Utilities ............................................................. 1.2 – – – – –

Information ........................................................... 6.7 3.3 – – – –

Financial activities ................................................ 2.0 2.2 2.7 0.8 – –

Finance and insurance .................................... 1.6 2.1 2.7 0.9 – –

Credit intermediation and related activities .. 1.8 3.1 3.3 1.6 – –

Insurance carriers and related activities ...... 3.9 3.3 – – – –

Professional and business services ..................... 5.6 4.2 1.8 – – –

Professional and technical services ................. 6.4 4.9 – – – –

Education and health services ............................. 4.8 – 5.1 – – –

Educational services ........................................ 8.1 – 10.8 – – –

Junior colleges, colleges, and universities ... 3.8 – 4.6 – – –

Health care and social assistance ................... 5.7 – 5.8 – – –

See footnotes at end of table.
Table 40. Standard errors for defined contribution plans: Type of plan, private industry workers,

National Compensation Survey, 2014—continued

Characteristics Savings and

thrift

Deferred

profit

sharing

Money

purchase

pension

Employee

stock

ownership

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Leisure and hospitality ......................................... 7.6 – – – – –

Other services ...................................................... 9.8 – – – – –

1 to 99 workers ........................................................ 2.5 2.9 1.7 1.6 – 1.0

1 to 49 workers .................................................... 2.9 3.9 1.6 – – 1.2

50 to 99 workers .................................................. 4.9 3.7 3.9 – – –

100 workers or more ................................................ 1.9 1.5 1.7 0.6 – –

100 to 499 workers .............................................. 2.7 2.3 1.6 1.0 – –

500 workers or more ............................................ 3.1 1.6 3.5 – – –

Geographic areas

Northeast ................................................................. 2.8 3.9 1.9 – – –

New England ....................................................... 9.2 – 2.9 – – –

Middle Atlantic ..................................................... 1.9 3.4 2.1 – – –

South ....................................................................... 2.4 0.9 2.7 1.3 – –

South Atlantic ....................................................... 2.1 1.4 2.8 – – –

East South Central ............................................... 11.8 0.9 – – – –

West South Central .............................................. 2.0 1.7 2.8 – – –

Midwest .................................................................... 4.1 3.2 2.5 – – –

East North Central ............................................... 4.5 4.3 3.1 – – –

West North Central .............................................. 7.9 4.0 3.6 1.0 – –

West ......................................................................... 4.0 – 3.0 – – –

Mountain .............................................................. 7.3 – – – – –

Pacific .................................................................. 4.4 – 3.7 – – –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 41. Deferred profit-sharing plans: Method of employee contribution, private industry workers, National

Compensation Survey, 2014

(All workers participating in deferred profit sharing plans = 100 percent)

Characteristics

Employee

contributions

allowed1

Pre-tax employee contributions

allowed

Post-tax2 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 24 24 – – – 15 – 75 1

Management, professional, and related .................. 28 28 – – – – 3 72 –

Management, business, and financial ................. 20 20 – – – – 3 80 –

Professional and related ...................................... 34 34 – – – – 3 66 –

Service ..................................................................... – – – – – – 3 ( ) 75 –

Sales and office ....................................................... – – – – – – 1 77 –

Sales and related ................................................. – – – – – – 1 68 –

Office and administrative support ........................ – – – – – – 3 ( ) 80 –

Natural resources, construction, and maintenance – – – – – – 4 83 –

Installation, maintenance, and repair ................... – – – – – – 5 83 –

Production, transportation, and material moving ..... – – – – – – 5 76 –

Production ............................................................ – – – – – – 1 74 –

Transportation and material moving .................... – – – – – – 9 79 –

Full time ................................................................... 22 22 – – – 12 – 77 1

Part time .................................................................. – – – – – – 1 60 –

Nonunion ................................................................. 25 25 – – 8 15 2 74 1

Average wage within the following categories4:

Lowest 25 percent ............................................... – – – – – – 3 ( ) 67 –

Second 25 percent ............................................... – – – – – – 1 78 –

Third 25 percent ................................................... 19 19 – – – – 5 81 3 ( )

Highest 25 percent ............................................... 29 29 – – – – 1 71 –

Highest 10 percent ........................................... 37 37 – – – – 1 63 –

Establishment characteristics

Goods-producing industries ..................................... – – – – – – – 92 –

Service-providing industries ..................................... 27 27 – – – 17 – 72 1

Trade, transportation, and utilities ....................... – – – – – – 5 75 –

1 to 99 workers ........................................................ 25 25 – – – 13 – 74 1

1 to 49 workers .................................................... 30 30 – – – 16 – 69 1

50 to 99 workers .................................................. – – – – – – 3 90 –

100 workers or more ................................................ 22 22 – – – – 1 78 –

100 to 499 workers .............................................. 26 26 – – – – 1 74 –

500 workers or more ............................................ – – – – – – – 87 –

Geographic areas

Northeast ................................................................. 40 40 – – – – 7 57 2

Middle Atlantic ..................................................... 27 27 – – – 18 – 69 4

South ....................................................................... 28 28 – – – – 1 72 –

South Atlantic ....................................................... – – – – – – 1 70 –

West South Central .............................................. 29 28 – – – – 3 71 –

Midwest .................................................................... – – – – – – 3 ( ) 86 –

East North Central ............................................... – – – – – – 1 81 –

West ......................................................................... – – – – – – 2 82 –

Pacific .................................................................. – – – – – – 4 71 –

1 Sum of workers with pre-tax and post-tax contributions may be greater than total because both methods of contribution are available to some employees. 2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free. 3 Less than 0.5. 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 41. Standard errors for deferred profit-sharing plans: Method of employee contribution, private industry workers,

National Compensation Survey, 2014

Characteristics

Employee

contributions

allowed

Pre-tax employee contributions

allowed

Post-tax1 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 4.4 4.4 – – – 3.5 – 4.5 0.5

Management, professional, and related .................. 6.4 6.4 – – – – 1.6 6.4 –

Management, business, and financial ................. 5.1 5.1 – – – – 1.8 5.1 –

Professional and related ...................................... 9.6 9.6 – – – – 2.3 9.6 –

Service ..................................................................... – – – – – – 0.1 11.1 –

Sales and office ....................................................... – – – – – – 0.4 7.2 –

Sales and related ................................................. – – – – – – 0.9 12.8 –

Office and administrative support ........................ – – – – – – 0.3 7.3 –

Natural resources, construction, and maintenance – – – – – – 2.7 5.3 –

Installation, maintenance, and repair ................... – – – – – – 3.6 6.7 –

Production, transportation, and material moving ..... – – – – – – 3.6 8.3 –

Production ............................................................ – – – – – – 0.9 11.2 –

Transportation and material moving .................... – – – – – – 7.3 9.5 –

Full time ................................................................... 4.5 4.5 – – – 3.1 – 4.6 0.4

Part time .................................................................. – – – – – – 0.7 11.7 –

Nonunion ................................................................. 4.6 4.6 – – 2.2 3.6 0.9 4.7 0.5

Average wage within the following categories2:

Lowest 25 percent ............................................... – – – – – – 0.3 9.3 –

Second 25 percent ............................................... – – – – – – 0.4 7.5 –

Third 25 percent ................................................... 5.1 5.1 – – – – 2.5 5.1 0.1

Highest 25 percent ............................................... 6.4 6.4 – – – – 0.7 6.4 –

Highest 10 percent ........................................... 9.7 9.7 – – – – 0.7 9.7 –

Establishment characteristics

Goods-producing industries ..................................... – – – – – – – 3.3 –

Service-providing industries ..................................... 5.1 5.1 – – – 4.1 – 5.3 0.6

Trade, transportation, and utilities ....................... – – – – – – 2.6 8.3 –

1 to 99 workers ........................................................ 5.7 5.7 – – – 3.6 – 5.9 0.9

1 to 49 workers .................................................... 7.1 7.1 – – – 4.5 – 7.4 1.2

50 to 99 workers .................................................. – – – – – – 3.0 4.3 –

100 workers or more ................................................ 6.1 6.1 – – – – 0.6 6.1 –

100 to 499 workers .............................................. 7.6 7.6 – – – – 0.8 7.6 –

500 workers or more ............................................ – – – – – – – 6.8 –

Geographic areas

Northeast ................................................................. 9.6 9.6 – – – – 3.5 10.0 2.2

Middle Atlantic ..................................................... 6.9 6.9 – – – 4.5 – 9.5 3.1

South ....................................................................... 8.0 8.0 – – – – 0.8 8.0 –

South Atlantic ....................................................... – – – – – – 0.6 12.1 –

West South Central .............................................. 7.0 7.2 – – – – 2.7 7.0 –

Midwest .................................................................... – – – – – – 0.4 6.7 –

East North Central ............................................... – – – – – – 0.6 9.2 –

West ......................................................................... – – – – – – 1.9 10.2 –

Pacific .................................................................. – – – – – – 3.0 14.3 –

1 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 42. Deferred profit-sharing plans: Selected features, private

industry workers, National Compensation Survey, 2014

(All workers participating in deferred profit-sharing plans = 100 percent)

Characteristics

Employer contribution

Based on

predetermined

formula

Not based on

predetermined

formula

Not

determinable

Worker characteristics

All workers ............................................................... 21 79 1 ( )

Management, professional, and related .................. 17 83 –

Management, business, and financial ................. 27 73 –

Professional and related ...................................... – 89 –

Service ..................................................................... – 85 –

Sales and office ....................................................... 19 81 1 ( )

Sales and related ................................................. – 69 –

Office and administrative support ........................ 15 85 1 ( )

Natural resources, construction, and maintenance – 75 –

Installation, maintenance, and repair ................... – 69 –

Production, transportation, and material moving ..... 32 68 –

Production ............................................................ – 77 –

Transportation and material moving .................... 43 57 –

Full time ................................................................... 21 79 1 ( )

Part time .................................................................. – 79 –

Nonunion ................................................................. 20 80 1 ( )

Average wage within the following categories2:

Lowest 25 percent ............................................... – 74 –

Second 25 percent ............................................... – 90 –

Third 25 percent ................................................... 25 75 1 ( )

Highest 25 percent ............................................... 23 77 –

Highest 10 percent ........................................... – 72 –

Establishment characteristics

Goods-producing industries ..................................... – 70 –

Service-providing industries ..................................... 19 81 1 ( )

Trade, transportation, and utilities ....................... 31 69 –

1 to 99 workers ........................................................ 24 76 1 ( )

1 to 49 workers .................................................... 20 80 1 ( )

50 to 99 workers .................................................. 36 64 –

100 workers or more ................................................ 17 83 –

100 to 499 workers .............................................. – 88 –

500 workers or more ............................................ – 72 –

Geographic areas

Northeast ................................................................. – 80 –

Middle Atlantic ..................................................... – 78 –

South ....................................................................... – 76 –

South Atlantic ....................................................... – 82 –

West South Central .............................................. – 53 –

Midwest .................................................................... – 82 –

East North Central ............................................... – 84 –

West ......................................................................... – 78 –

Pacific .................................................................. 36 64 –

1 Less than 0.5. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 42. Standard errors for deferred profit-sharing plans: Selected

features, private industry workers, National Compensation Survey, 2014

Characteristics

Employer contribution

Based on

predetermined

formula

Not based on

predetermined

formula

Not

determinable

Worker characteristics

All workers ............................................................... 3.8 3.8 0.1

Management, professional, and related .................. 4.7 4.7 –

Management, business, and financial ................. 7.9 7.9 –

Professional and related ...................................... – 3.9 –

Service ..................................................................... – 8.3 –

Sales and office ....................................................... 5.3 5.3 0.2

Sales and related ................................................. – 13.4 –

Office and administrative support ........................ 4.0 4.1 0.3

Natural resources, construction, and maintenance – 8.6 –

Installation, maintenance, and repair ................... – 10.3 –

Production, transportation, and material moving ..... 8.0 8.0 –

Production ............................................................ – 8.3 –

Transportation and material moving .................... 11.5 11.5 –

Full time ................................................................... 3.9 3.9 0.1

Part time .................................................................. – 7.0 –

Nonunion ................................................................. 3.6 3.6 0.1

Average wage within the following categories1:

Lowest 25 percent ............................................... – 10.4 –

Second 25 percent ............................................... – 3.2 –

Third 25 percent ................................................... 5.4 5.4 0.2

Highest 25 percent ............................................... 5.5 5.5 –

Highest 10 percent ........................................... – 9.2 –

Establishment characteristics

Goods-producing industries ..................................... – 9.3 –

Service-providing industries ..................................... 4.0 4.0 0.1

Trade, transportation, and utilities ....................... 7.6 7.6 –

1 to 99 workers ........................................................ 4.8 4.8 0.1

1 to 49 workers .................................................... 4.9 4.9 0.2

50 to 99 workers .................................................. 10.4 10.4 –

100 workers or more ................................................ 4.9 4.9 –

100 to 499 workers .............................................. – 4.2 –

500 workers or more ............................................ – 10.4 –

Geographic areas

Northeast ................................................................. – 6.2 –

Middle Atlantic ..................................................... – 7.4 –

South ....................................................................... – 8.6 –

South Atlantic ....................................................... – 11.6 –

West South Central .............................................. – 14.3 –

Midwest .................................................................... – 6.7 –

East North Central ............................................... – 7.4 –

West ......................................................................... – 8.5 –

Pacific .................................................................. 6.9 6.9 –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 43. Money purchase pension plans: Method of employee contribution, private industry workers, National

Compensation Survey, 2014

(All workers participating in money purchase pension plans = 100 percent)

Characteristics

Employee

contributions

allowed1

Pre-tax employee contributions

allowed

Post-tax2 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 22 22 – – 9 12 1 77 1

Management, professional, and related .................. 25 25 – – – 14 – 75 –

Management, business, and financial ................. 19 19 – – – – 3 ( ) 81 –

Professional and related ...................................... 28 28 – – – 16 – 72 –

Service ..................................................................... – – – – – – 3 ( ) 74 –

Sales and office ....................................................... – – – – – – 1 81 –

Office and administrative support ........................ – – – – – – 1 83 –

Natural resources, construction, and maintenance 37 35 – – – 24 – 63 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 3 ( ) 66 –

Installation, maintenance, and repair ................... – – – – – – 2 60 –

Full time ................................................................... 22 22 – – 9 12 1 77 1

Part time .................................................................. – – – – – – – 74 –

Union ....................................................................... 30 30 – – – – 2 70 –

Nonunion ................................................................. 21 20 – – 10 11 3 ( ) 78 1

Average wage within the following categories4:

Lowest 25 percent ............................................... – – – – – – – 74 –

Second 25 percent ............................................... 19 – – – – – 1 81 –

Third 25 percent ................................................... 25 24 – – – 11 – 71 4

Highest 25 percent ............................................... 21 21 – – 8 13 1 78 3 ( )

Highest 10 percent ........................................... 24 24 – – – 12 – 76 –

Establishment characteristics

Goods-producing industries ..................................... – – – – – – – 85 –

Service-providing industries ..................................... 24 23 – – 11 13 1 74 1

Trade, transportation, and utilities ....................... – – – – – – – 82 –

Financial activities ................................................ – – – – – – – 92 –

Finance and insurance .................................... – – – – – – – 96 –

Education and health services ............................. 31 31 – – – 18 – 69 –

Educational services ........................................ 61 61 – – 13 43 6 39 –

Junior colleges, colleges, and universities ... 58 58 – – 16 39 3 42 –

Health care and social assistance ................... – – – – – – – 80 –

1 to 99 workers ........................................................ 36 33 – – – – – 59 5

1 to 49 workers .................................................... 19 – – – – – – 74 8

100 workers or more ................................................ 18 18 – – 4 13 1 82 –

100 to 499 workers .............................................. 19 19 – – – – 1 81 –

500 workers or more ............................................ 17 17 – – – 13 – 83 –

See footnotes at end of table.
Table 43. Money purchase pension plans: Method of employee contribution, private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in money purchase pension plans = 100 percent)

Characteristics

Employee

contributions

allowed1

Pre-tax employee contributions

allowed

Post-tax2 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Geographic areas

Northeast ................................................................. 44 44 – – – 35 – 50 6

Middle Atlantic ..................................................... 42 41 – – – 35 – 52 6

South ....................................................................... – – – – – – – 83 –

South Atlantic ....................................................... – – – – – – – 75 –

West South Central .............................................. – – – – – – – 95 –

Midwest .................................................................... – – – – – 5 – 78 –

East North Central ............................................... 14 12 – – – – 2 86 –

West ......................................................................... – – – – – – 1 91 –

Pacific .................................................................. – – – – – – 1 91 –

1 Sum of workers with pre-tax and post-tax contributions may be greater than total because both methods of contribution are available to some employees. 2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free. 3 Less than 0.5. 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 43. Standard errors for money purchase pension plans: Method of employee contribution, private industry workers,

National Compensation Survey, 2014

Characteristics

Employee

contributions

allowed

Pre-tax employee contributions

allowed

Post-tax1 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 3.2 3.3 – – 2.6 2.2 0.4 3.4 0.8

Management, professional, and related .................. 4.2 4.2 – – – 2.9 – 4.2 –

Management, business, and financial ................. 4.5 4.5 – – – – 0.1 4.5 –

Professional and related ...................................... 5.4 5.4 – – – 3.7 – 5.4 –

Service ..................................................................... – – – – – – 0.1 8.1 –

Sales and office ....................................................... – – – – – – 0.5 5.4 –

Office and administrative support ........................ – – – – – – 0.6 4.7 –

Natural resources, construction, and maintenance 8.6 8.6 – – – 6.9 – 8.6 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 0.3 11.4 –

Installation, maintenance, and repair ................... – – – – – – 1.7 13.1 –

Full time ................................................................... 3.3 3.3 – – 2.6 2.3 0.4 3.4 0.9

Part time .................................................................. – – – – – – – 8.2 –

Union ....................................................................... 7.7 7.7 – – – – 1.6 7.7 –

Nonunion ................................................................. 3.5 3.5 – – 3.0 2.1 0.3 3.6 0.9

Average wage within the following categories2:

Lowest 25 percent ............................................... – – – – – – – 10.1 –

Second 25 percent ............................................... 5.6 – – – – – 0.5 5.6 –

Third 25 percent ................................................... 5.3 5.2 – – – 2.8 – 5.9 2.8

Highest 25 percent ............................................... 3.7 3.7 – – 2.3 2.6 0.5 3.6 0.1

Highest 10 percent ........................................... 5.2 5.2 – – – 3.1 – 5.2 –

Establishment characteristics

Goods-producing industries ..................................... – – – – – – – 5.9 –

Service-providing industries ..................................... 3.8 3.9 – – 3.2 2.6 0.5 4.0 1.0

Trade, transportation, and utilities ....................... – – – – – – – 6.7 –

Financial activities ................................................ – – – – – – – 6.2 –

Finance and insurance .................................... – – – – – – – 2.3 –

Education and health services ............................. 6.5 6.5 – – – 4.3 – 6.5 –

Educational services ........................................ 5.8 5.8 – – 3.6 5.5 3.4 5.8 –

Junior colleges, colleges, and universities ... 5.9 5.9 – – 4.7 5.7 1.9 5.9 –

Health care and social assistance ................... – – – – – – – 8.2 –

1 to 99 workers ........................................................ 8.1 8.1 – – – – – 8.2 3.3

1 to 49 workers .................................................... 5.6 – – – – – – 7.5 5.2

100 workers or more ................................................ 3.1 3.1 – – 1.1 2.8 0.5 3.1 –

100 to 499 workers .............................................. 4.9 4.9 – – – – 1.3 4.9 –

500 workers or more ............................................ 4.1 4.1 – – – 3.7 – 4.1 –

See footnotes at end of table.
Table 43. Standard errors for money purchase pension plans: Method of employee contribution, private industry workers,

National Compensation Survey, 2014—continued

Characteristics

Employee

contributions

allowed

Pre-tax employee contributions

allowed

Post-tax1 employee

contributions allowed Employee

contributions

not allowed

Not

determinable

Yes No Not

determinable Yes No Notdeterminable

Geographic areas

Northeast ................................................................. 6.7 6.8 – – – 6.3 – 7.3 3.9

Middle Atlantic ..................................................... 7.5 7.6 – – – 7.9 – 8.5 5.1

South ....................................................................... – – – – – – – 5.4 –

South Atlantic ....................................................... – – – – – – – 7.9 –

West South Central .............................................. – – – – – – – 2.1 –

Midwest .................................................................... – – – – – 1.5 – 6.5 –

East North Central ............................................... 3.8 3.3 – – – – 1.9 3.8 –

West ......................................................................... – – – – – – 0.9 4.3 –

Pacific .................................................................. – – – – – – 1.1 4.9 –

1 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 44. Money purchase pension plans: Employer contributions, private industry workers, National

Compensation Survey, 2014

(All workers participating in money purchase pension plans = 100 percent)

Characteristics Fixed percent

of earnings

Fixed percent of earnings

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 66 – 2.00 3.00 5.00 8.00 34 –

Management, professional, and related .................. 64 2.00 – 3.00 6.00 8.00 36 –

Management, business, and financial ................. 60 – 3.00 – 7.00 10.00 40 –

Professional and related ...................................... 66 2.00 2.00 3.00 5.00 8.00 34 –

Service ..................................................................... 78 2.00 – 3.00 – – 22 –

Sales and office ....................................................... 63 – 2.00 3.00 4.00 6.00 37 –

Office and administrative support ........................ 60 – 2.00 3.00 4.00 6.00 40 –

Natural resources, construction, and maintenance 50 1.00 – 3.00 – 8.00 50 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 79 –

Installation, maintenance, and repair ................... 87 – 2.00 3.00 – 5.00 – –

Production, transportation, and material moving ..... 76 – – 3.00 4.00 – 24 –

Production ............................................................ 76 – – 3.00 4.00 4.00 – –

Full time ................................................................... 65 – 2.00 3.00 5.00 8.00 35 –

Part time .................................................................. 77 2.00 3.00 – – 12.00 23 –

Union ....................................................................... 58 1.00 – – – 12.00 42 –

Nonunion ................................................................. 67 2.00 – 3.00 5.00 7.00 33 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 79 2.00 3.00 – – 12.00 – –

Second 25 percent ............................................... 76 – 2.50 3.00 4.00 5.00 24 –

Third 25 percent ................................................... 71 – 2.00 3.00 4.00 6.50 29 –

Highest 25 percent ............................................... 58 2.00 – 3.00 6.00 9.50 42 –

Highest 10 percent ........................................... 61 2.00 – 3.00 6.00 10.00 39 –

Establishment characteristics

Goods-producing industries ..................................... 57 – – – – 6.00 43 –

Service-providing industries ..................................... 68 2.00 2.00 3.00 5.00 8.00 32 –

Trade, transportation, and utilities ....................... 70 – 2.00 3.00 3.50 5.00 – –

Financial activities ................................................ 47 2.00 3.00 – 5.00 6.00 53 –

Finance and insurance .................................... 45 2.00 3.00 – 5.00 6.00 55 –

Education and health services ............................. 68 – 2.00 3.00 5.00 8.00 32 –

Educational services ........................................ 67 – 5.00 7.00 9.50 10.00 33 –

Junior colleges, colleges, and universities ... 67 – 5.00 7.00 – 10.00 33 –

Health care and social assistance ................... 69 – 2.00 – 3.00 – 31 –

1 to 99 workers ........................................................ 69 – 3.00 3.00 3.00 5.00 31 –

1 to 49 workers .................................................... 58 – – 3.00 – 5.00 42 –

100 workers or more ................................................ 65 – 2.00 3.00 6.00 9.00 35 –

100 to 499 workers .............................................. 69 – 3.00 – 6.00 – 31 –

500 workers or more ............................................ 62 – 2.00 3.00 – 9.00 38 –

See footnotes at end of table.
Table 44. Money purchase pension plans: Employer contributions, private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in money purchase pension plans = 100 percent)

Characteristics Fixed percent

of earnings

Fixed percent of earnings

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

Northeast ................................................................. 48 – – – 7.00 9.50 52 –

Middle Atlantic ..................................................... 54 – – 3.00 6.00 8.00 46 –

South ....................................................................... 77 – 2.00 3.00 – – 23 –

South Atlantic ....................................................... 78 – – 3.00 5.00 – 22 –

West South Central .............................................. 67 – 3.00 4.00 – 10.00 – –

Midwest .................................................................... 68 – – 3.00 4.00 8.00 32 –

East North Central ............................................... 61 – – 3.00 – 8.00 39 –

West North Central .............................................. 87 – 3.00 – 4.00 – – –

West ......................................................................... 60 2.00 – – 6.00 6.50 40 –

Pacific .................................................................. 54 – – – 5.00 6.00 46 –

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 44. Standard errors for money purchase pension plans: Employer contributions, private industry workers,

National Compensation Survey, 2014

Characteristics Fixed percent

of earnings

Fixed percent of earnings

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 3.4 – 0.45 0.00 0.47 0.98 3.4 –

Management, professional, and related .................. 4.0 0.00 – 0.00 1.32 1.78 4.0 –

Management, business, and financial ................. 6.1 – 0.00 – 1.92 0.91 6.1 –

Professional and related ...................................... 5.4 0.45 0.25 0.00 0.47 0.85 5.4 –

Service ..................................................................... 5.8 0.00 – 0.41 – – 5.8 –

Sales and office ....................................................... 6.2 – 0.55 0.00 1.14 0.38 6.2 –

Office and administrative support ........................ 7.1 – 0.39 0.10 0.62 1.40 7.1 –

Natural resources, construction, and maintenance 8.7 0.00 – 0.68 – 2.25 8.7 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 9.1 –

Installation, maintenance, and repair ................... 6.0 – 0.00 0.52 – 1.31 – –

Production, transportation, and material moving ..... 5.2 – – 0.16 0.46 – 5.2 –

Production ............................................................ 9.0 – – 0.80 0.30 0.81 – –

Full time ................................................................... 3.7 – 0.33 0.00 0.59 0.93 3.7 –

Part time .................................................................. 5.5 0.00 0.36 – – 0.36 5.5 –

Union ....................................................................... 8.2 0.00 – – – 0.00 8.2 –

Nonunion ................................................................. 3.6 0.30 – 0.00 0.69 1.41 3.6 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 8.4 0.39 0.79 – – 0.00 – –

Second 25 percent ............................................... 4.8 – 0.71 0.00 0.30 0.75 4.8 –

Third 25 percent ................................................... 5.0 – 0.00 0.07 0.76 1.12 5.0 –

Highest 25 percent ............................................... 4.2 0.00 – 0.35 1.20 1.66 4.2 –

Highest 10 percent ........................................... 5.0 0.00 – 0.63 0.52 0.84 5.0 –

Establishment characteristics

Goods-producing industries ..................................... 6.3 – – – – 0.63 6.3 –

Service-providing industries ..................................... 3.9 0.32 0.36 0.00 0.41 2.01 3.9 –

Trade, transportation, and utilities ....................... 10.0 – 0.00 0.41 0.30 1.32 – –

Financial activities ................................................ 8.7 0.26 0.18 – 0.55 0.00 8.7 –

Finance and insurance .................................... 7.5 0.00 0.80 – 1.18 0.73 7.5 –

Education and health services ............................. 5.3 – 0.00 0.22 0.78 1.11 5.3 –

Educational services ........................................ 4.8 – 0.71 1.18 1.03 0.00 4.8 –

Junior colleges, colleges, and universities ... 4.1 – 0.00 0.80 – 0.00 4.1 –

Health care and social assistance ................... 7.0 – 0.00 – 0.45 – 7.0 –

1 to 99 workers ........................................................ 6.3 – 0.58 0.00 0.62 1.19 6.3 –

1 to 49 workers .................................................... 8.6 – – 0.00 – 0.00 8.6 –

100 workers or more ................................................ 3.9 – 0.14 0.68 1.25 1.76 3.9 –

100 to 499 workers .............................................. 5.8 – 0.18 – 1.21 – 5.8 –

500 workers or more ............................................ 5.7 – 0.00 0.74 – 1.51 5.7 –

See footnotes at end of table.
Table 44. Standard errors for money purchase pension plans: Employer contributions, private industry workers,

National Compensation Survey, 2014—continued

Characteristics Fixed percent

of earnings

Fixed percent of earnings

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic areas

Northeast ................................................................. 10.1 – – – 1.43 1.02 10.1 –

Middle Atlantic ..................................................... 12.9 – – 0.54 0.71 2.21 12.9 –

South ....................................................................... 4.4 – 0.00 0.29 – – 4.4 –

South Atlantic ....................................................... 5.8 – – 0.41 1.05 – 5.8 –

West South Central .............................................. 10.7 – 0.73 0.88 – 2.46 – –

Midwest .................................................................... 4.7 – – 0.16 0.89 1.87 4.7 –

East North Central ............................................... 5.8 – – 0.00 – 2.03 5.8 –

West North Central .............................................. 5.9 – 0.00 – 1.03 – – –

West ......................................................................... 8.4 0.18 – – 1.46 1.43 8.4 –

Pacific .................................................................. 9.4 – – – 1.33 0.47 9.4 –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 45. Savings and thrift plans: Summary of provisions,1

 private industry workers,

National Compensation Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

Worker characteristics

All workers ............................................................... 100 50 41 88 83

Management, professional, and related .................. 100 57 47 88 81

Management, business, and financial ................. 100 59 46 86 82

Professional and related ...................................... 100 56 48 90 81

Service ..................................................................... 99 27 20 82 –

Sales and office ....................................................... 100 45 37 88 84

Sales and related ................................................. 100 36 29 90 87

Office and administrative support ........................ 100 49 41 87 83

Natural resources, construction, and maintenance 100 45 32 83 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – –

Installation, maintenance, and repair ................... 100 46 33 85 84

Production, transportation, and material moving ..... 100 51 43 93 89

Production ............................................................ 100 54 40 92 91

Transportation and material moving .................... 100 48 47 93 88

Full time ................................................................... 100 50 42 88 84

Part time .................................................................. 99 48 28 89 –

Union ....................................................................... 100 54 34 90 86

Nonunion ................................................................. 100 49 41 88 83

Average wage within the following categories4:

Lowest 25 percent ............................................... 100 34 20 89 85

Lowest 10 percent ........................................... 100 38 – 81 –

Second 25 percent ............................................... 100 38 38 85 82

Third 25 percent ................................................... 100 47 42 89 84

Highest 25 percent ............................................... 100 61 46 89 82

Highest 10 percent ........................................... 100 69 50 91 86

Establishment characteristics

Goods-producing industries ..................................... 100 56 45 89 85

Construction ......................................................... 100 31 11 87 –

Manufacturing ...................................................... 100 59 50 89 87

Service-providing industries ..................................... 100 48 39 88 82

Trade, transportation, and utilities ....................... 100 40 35 92 88

Wholesale trade ............................................... 100 30 35 91 87

Retail trade ...................................................... 100 34 23 90 87

Transportation and warehousing ..................... 100 60 53 100 94

Utilities ............................................................. 100 – 57 – –

Information ........................................................... 100 63 40 89 87

Financial activities ................................................ 100 72 40 – 89

Finance and insurance .................................... 100 74 42 96 89

Credit intermediation and related activities .. 100 68 36 94 89

Insurance carriers and related activities ...... 100 72 57 99 86

Professional and business services ..................... 100 58 56 93 90

Professional and technical services ................. 100 57 65 91 91

Education and health services ............................. 100 34 33 – –

Educational services ........................................ 100 43 – 85 84

Junior colleges, colleges, and universities ... 100 52 30 98 98

Health care and social assistance ................... 99 32 37 – –

See footnotes at end of table.
Table 45. Savings and thrift plans: Summary of provisions,1

 private industry workers,

National Compensation Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

1 to 99 workers ........................................................ 100 43 36 87 80

1 to 49 workers .................................................... 100 46 34 86 79

50 to 99 workers .................................................. 100 37 41 89 82

100 workers or more ................................................ 100 53 43 89 85

100 to 499 workers .............................................. 100 47 38 89 84

500 workers or more ............................................ 100 62 50 89 86

Geographic areas

Northeast ................................................................. 100 46 29 83 –

New England ....................................................... 99 61 26 88 –

Middle Atlantic ..................................................... 100 41 30 81 –

South ....................................................................... 100 54 46 91 89

South Atlantic ....................................................... 100 53 44 93 92

East South Central ............................................... 100 45 36 91 88

West South Central .............................................. 100 58 51 90 84

Midwest .................................................................... 100 44 42 86 80

East North Central ............................................... 100 41 46 89 85

West North Central .............................................. 100 50 33 80 –

West ......................................................................... 100 53 43 90 86

Mountain .............................................................. 100 50 41 87 85

Pacific .................................................................. 100 54 43 91 86

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit could not be

determined. 2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free. 3 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee

opts out of 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 45. Standard errors for savings and thrift plans: Summary of provisions,1

 private

industry workers, National Compensation Survey, 2014

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

Worker characteristics

All workers ............................................................... 0.1 2.1 2.0 1.5 1.9

Management, professional, and related .................. 0.1 2.9 3.5 2.2 3.1

Management, business, and financial ................. 4 ( ) 4.6 4.0 4.3 4.3

Professional and related ...................................... 0.1 3.4 3.9 2.0 3.7

Service ..................................................................... 0.4 3.9 3.8 5.1 –

Sales and office ....................................................... 0.0 2.6 2.9 2.0 2.0

Sales and related ................................................. 0.0 3.2 2.9 2.7 2.8

Office and administrative support ........................ 4 ( ) 3.3 3.5 2.6 2.8

Natural resources, construction, and maintenance 4 ( ) 5.5 3.9 3.3 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 – – – –

Installation, maintenance, and repair ................... 4 ( ) 5.1 4.1 3.3 3.4

Production, transportation, and material moving ..... 4 ( ) 3.7 4.0 1.3 1.9

Production ............................................................ 4 ( ) 4.3 4.5 1.7 1.9

Transportation and material moving .................... 0.0 6.7 6.8 1.7 3.4

Full time ................................................................... 4 ( ) 2.3 2.1 1.6 1.9

Part time .................................................................. 0.4 4.9 4.0 2.2 –

Union ....................................................................... 4 ( ) 4.5 6.0 2.6 3.4

Nonunion ................................................................. 0.1 2.2 2.1 1.6 2.0

Average wage within the following categories5:

Lowest 25 percent ............................................... 0.1 3.6 3.0 3.5 4.4

Lowest 10 percent ........................................... 0.5 9.2 – 11.5 –

Second 25 percent ............................................... 0.1 2.8 3.4 2.5 2.7

Third 25 percent ................................................... 4 ( ) 2.9 2.6 1.9 2.2

Highest 25 percent ............................................... 4 ( ) 2.7 3.2 1.6 2.5

Highest 10 percent ........................................... 4 ( ) 3.3 4.2 1.9 2.4

Establishment characteristics

Goods-producing industries ..................................... 4 ( ) 3.3 3.2 2.0 2.1

Construction ......................................................... 0.0 8.7 3.0 4.5 –

Manufacturing ...................................................... 4 ( ) 3.9 3.6 2.2 2.2

Service-providing industries ..................................... 0.1 2.6 2.4 1.8 2.4

Trade, transportation, and utilities ....................... 0.0 3.6 3.0 1.2 1.6

Wholesale trade ............................................... 0.0 4.4 4.0 2.4 3.5

Retail trade ...................................................... 0.0 4.6 3.2 2.2 2.8

Transportation and warehousing ..................... 0.0 9.8 8.8 0.3 3.5

Utilities ............................................................. 4 ( ) – 8.9 – –

Information ........................................................... 0.0 6.3 6.7 4.3 4.4

Financial activities ................................................ 0.0 2.7 3.0 – 2.0

Finance and insurance .................................... 4 ( ) 2.9 3.3 1.0 2.0

Credit intermediation and related activities .. 0.0 3.9 5.3 1.4 2.3

Insurance carriers and related activities ...... 0.0 4.2 5.5 0.5 4.1

Professional and business services ..................... 4 ( ) 6.1 6.3 2.8 3.6

Professional and technical services ................. 4 ( ) 8.0 7.6 4.0 4.0

Education and health services ............................. 0.3 4.9 6.7 – –

Educational services ........................................ 0.0 7.7 – 6.7 6.7

Junior colleges, colleges, and universities ... 0.0 8.5 6.9 2.0 2.0

Health care and social assistance ................... 0.4 5.5 7.9 – –

See footnotes at end of table.
Table 45. Standard errors for savings and thrift plans: Summary of provisions,1

 private

industry workers, National Compensation Survey, 2014—continued

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

1 to 99 workers ........................................................ 0.0 3.7 2.9 1.7 2.5

1 to 49 workers .................................................... 0.0 4.3 3.4 2.2 3.2

50 to 99 workers .................................................. 0.0 5.2 5.0 3.2 4.1

100 workers or more ................................................ 0.1 2.5 2.7 2.2 2.4

100 to 499 workers .............................................. 0.2 3.9 3.9 3.4 3.7

500 workers or more ............................................ 0.0 3.2 3.4 2.0 2.1

Geographic areas

Northeast ................................................................. 0.3 5.8 3.6 5.0 –

New England ....................................................... 1.0 8.9 6.5 4.2 –

Middle Atlantic ..................................................... 0.1 6.4 4.3 6.3 –

South ....................................................................... 4 ( ) 2.7 3.6 1.8 2.3

South Atlantic ....................................................... 4 ( ) 3.0 3.8 2.1 2.1

East South Central ............................................... 0.0 6.3 9.2 5.2 5.8

West South Central .............................................. 0.0 6.0 7.9 3.5 5.5

Midwest .................................................................... 4 ( ) 3.8 2.8 2.8 3.5

East North Central ............................................... 0.0 5.4 3.4 2.8 3.0

West North Central .............................................. 4 ( ) 4.4 4.2 5.7 –

West ......................................................................... 4 ( ) 5.3 5.1 2.3 3.3

Mountain .............................................................. 0.0 6.4 11.8 5.5 6.4

Pacific .................................................................. 4 ( ) 7.2 5.0 2.3 3.8

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit could not be

determined. 2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free. 3 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee

opts out of the plan. 4 Less than 0.05. 5 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 46. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Automatic

enrollment

available

With automatic enrollment

No automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 41 36 2.0 – 3.0 4.0 6.0 – – 52 7

Management, professional, and related .................. 47 43 2.0 2.0 3.0 4.0 6.0 – – 47 5

Management, business, and financial ................. 46 40 2.0 2.0 3.0 4.0 6.0 – – 49 5

Professional and related ...................................... 48 45 2.0 – 3.0 – 5.0 – – 46 6

Service ..................................................................... 20 20 – 2.0 3.0 4.0 4.0 – 3 ( ) 68 12

Sales and office ....................................................... 37 32 2.0 3.0 3.0 4.0 6.0 – 5 56 7

Sales and related ................................................. 29 25 2.0 3.0 3.0 4.0 – – 4 67 4

Office and administrative support ........................ 41 35 2.0 3.0 3.0 4.0 6.0 – 5 50 9

Natural resources, construction, and maintenance 32 24 – 3.0 3.0 4.0 – – – 55 13

Installation, maintenance, and repair ................... 33 27 2.0 3.0 3.0 4.0 – – – 57 10

Production, transportation, and material moving ..... 43 41 2.0 3.0 3.0 4.0 6.0 – – 51 6

Production ............................................................ 40 36 2.0 3.0 – 6.0 6.0 – – 51 9

Transportation and material moving .................... 47 47 – 3.0 3.0 – 4.0 – – 51 2

Full time ................................................................... 42 37 2.0 – 3.0 4.0 6.0 – – 51 7

Part time .................................................................. 28 28 – 3.0 3.0 – 4.0 – 3 ( ) 64 8

Union ....................................................................... 34 33 – 3.0 3.0 5.0 6.0 – – 51 15

Nonunion ................................................................. 41 37 2.0 – 3.0 4.0 6.0 – – 53 6

Average wage within the following categories4:

Lowest 25 percent ............................................... 20 19 2.0 2.0 3.0 4.0 4.0 – 3 ( ) 76 4

Lowest 10 percent ........................................... – – – – – – – – – 78 –

Second 25 percent ............................................... 38 34 2.0 3.0 3.0 4.0 – – – 55 7

Third 25 percent ................................................... 42 37 2.0 3.0 3.0 4.0 6.0 – – 49 9

Highest 25 percent ............................................... 46 41 2.0 – 3.0 4.0 6.0 – – 48 6

Highest 10 percent ........................................... 50 44 2.0 – 3.0 4.0 6.0 – – 45 5

Establishment characteristics

Goods-producing industries ..................................... 45 39 2.0 3.0 3.0 5.0 6.0 – – 44 11

Construction ......................................................... 11 – – – – – – – 1 73 16

Manufacturing ...................................................... 50 43 2.0 – 3.0 6.0 6.0 – – 39 11

Service-providing industries ..................................... 39 36 2.0 – 3.0 – – – 4 55 6

Trade, transportation, and utilities ....................... 35 33 2.0 3.0 3.0 4.0 – – 2 61 4

Wholesale trade ............................................... 35 32 2.0 3.0 3.0 – 6.0 – 3 63 2

Retail trade ...................................................... 23 21 2.0 3.0 3.0 4.0 4.0 – 2 71 6

Transportation and warehousing ..................... 53 53 – 3.0 3.0 4.0 5.0 – – 46 1

Utilities ............................................................. 57 57 3.0 3.0 3.0 3.0 – – – 35 8

Information ........................................................... 40 32 – – – 3.0 3.0 – 7 55 6

Financial activities ................................................ 40 37 2.0 3.0 3.0 5.0 6.0 – 3 57 3

Finance and insurance .................................... 42 39 2.0 3.0 3.0 6.0 6.0 – 3 55 3

Credit intermediation and related activities .. 36 36 2.0 3.0 3.0 – 6.0 – 1 59 4

Insurance carriers and related activities ...... 57 51 2.0 3.0 – 6.0 6.0 – 6 42 1

Professional and business services ..................... 56 50 2.0 2.0 3.0 – – – 6 38 6

Professional and technical services ................. 65 58 2.0 2.0 – – 4.0 – 7 25 10

Education and health services ............................. 33 28 2.0 2.0 3.0 3.0 4.0 – 5 59 8

Educational services ........................................ – – – – – – – – – 75 –

Junior colleges, colleges, and universities ... 30 30 – – 3.0 – 5.0 – – 70 –

Health care and social assistance ................... 37 31 2.0 2.0 3.0 3.0 4.0 – 6 56 7

See footnotes at end of table.
Table 46. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Automatic

enrollment

available

With automatic enrollment

No automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 36 29 2.0 3.0 3.0 4.0 – – – 57 7

1 to 49 workers .................................................... 34 26 2.0 3.0 3.0 4.0 6.0 – – 59 7

50 to 99 workers .................................................. 41 36 2.0 – 3.0 3.0 4.0 – – 52 7

100 workers or more ................................................ 43 41 2.0 – 3.0 4.0 6.0 – – 50 7

100 to 499 workers .............................................. 38 35 2.0 2.0 3.0 – – – – 55 6

500 workers or more ............................................ 50 48 2.0 3.0 3.0 – 6.0 – 2 43 8

Geographic areas

Northeast ................................................................. 29 25 – 3.0 3.0 – 6.0 – 4 59 11

New England ....................................................... 26 22 – 3.0 – 6.0 6.0 – 4 62 12

Middle Atlantic ..................................................... 30 26 – – 3.0 – 6.0 – 4 59 11

South ....................................................................... 46 42 2.0 – 3.0 3.0 – – – 52 3

South Atlantic ....................................................... 44 43 2.0 2.0 3.0 3.0 4.0 – 1 54 2

East South Central ............................................... 36 31 2.0 – 3.0 – – – – 58 6

West South Central .............................................. 51 45 2.0 3.0 3.0 4.0 6.0 – – 46 2

Midwest .................................................................... 42 37 2.0 3.0 – 4.0 6.0 – 5 49 10

East North Central ............................................... 46 41 3.0 3.0 4.0 – 6.0 – 5 45 9

West North Central .............................................. 33 29 – 2.0 – 4.0 5.0 – 4 56 12

West ......................................................................... 43 37 2.0 – 3.0 – – – – 50 7

Mountain .............................................................. 41 33 2.0 – 3.0 – 6.0 – 8 50 9

Pacific .................................................................. 43 39 2.0 – 3.0 3.0 4.0 – – 51 6

1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan. 2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts based on employee length of service, or other methods. 3 Less than 0.5. 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 46. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2014

Characteristics

Automatic

enrollment

available

With automatic enrollment

No automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 2.0 2.0 0.0 – 0.0 0.0 0.0 – – 1.9 0.8

Management, professional, and related .................. 3.5 3.5 0.0 0.5 0.0 1.0 0.9 – – 3.6 1.0

Management, business, and financial ................. 4.0 4.0 0.0 0.5 0.0 0.3 0.3 – – 4.1 0.7

Professional and related ...................................... 3.9 4.0 0.0 – 0.0 – 1.3 – – 4.0 1.5

Service ..................................................................... 3.8 3.8 – 0.0 0.0 0.0 0.0 – 0.3 4.5 3.6

Sales and office ....................................................... 2.9 2.7 0.0 0.0 0.0 0.0 0.0 – 2.1 2.7 1.3

Sales and related ................................................. 2.9 2.6 0.0 0.0 0.1 0.0 – – 1.8 3.5 1.4

Office and administrative support ........................ 3.5 3.3 0.0 0.4 0.0 0.4 0.0 – 3.0 3.3 1.9

Natural resources, construction, and maintenance 3.9 2.9 – 0.0 0.0 0.9 – – – 3.3 2.3

Installation, maintenance, and repair ................... 4.1 4.1 0.5 0.0 0.0 0.9 – – – 3.8 2.3

Production, transportation, and material moving ..... 4.0 3.8 0.0 0.0 0.0 0.3 0.0 – – 3.8 1.0

Production ............................................................ 4.5 4.1 0.5 0.0 – 0.0 0.0 – – 3.9 1.8

Transportation and material moving .................... 6.8 6.8 – 0.6 0.0 – 0.2 – – 6.7 0.8

Full time ................................................................... 2.1 2.0 0.0 – 0.0 0.0 0.0 – – 2.0 0.7

Part time .................................................................. 4.0 4.0 – 0.0 0.0 – 0.0 – 0.1 4.3 2.3

Union ....................................................................... 6.0 6.0 – 0.7 0.0 1.3 0.0 – – 5.3 4.8

Nonunion ................................................................. 2.1 2.0 0.0 – 0.0 0.0 0.2 – – 2.1 0.7

Average wage within the following categories3:

Lowest 25 percent ............................................... 3.0 2.9 0.0 0.5 0.0 0.3 0.0 – 0.2 3.4 1.5

Lowest 10 percent ........................................... – – – – – – – – – 5.7 –

Second 25 percent ............................................... 3.4 3.1 0.0 0.3 0.0 1.2 – – – 3.4 1.3

Third 25 percent ................................................... 2.6 2.5 0.0 0.0 0.0 0.0 0.0 – – 2.6 1.3

Highest 25 percent ............................................... 3.2 3.2 0.0 – 0.0 0.3 0.4 – – 3.2 1.2

Highest 10 percent ........................................... 4.2 4.2 0.0 – 0.0 0.8 0.6 – – 4.2 1.2

Establishment characteristics

Goods-producing industries ..................................... 3.2 3.4 0.0 0.4 0.4 1.3 0.0 – – 3.1 1.1

Construction ......................................................... 3.0 – – – – – – – 0.8 5.4 4.2

Manufacturing ...................................................... 3.6 4.0 0.0 – 0.4 1.1 0.0 – – 3.3 1.2

Service-providing industries ..................................... 2.4 2.2 0.0 – 0.0 – – – 1.0 2.3 1.0

Trade, transportation, and utilities ....................... 3.0 2.9 0.4 0.0 0.0 0.8 – – 0.7 3.2 0.8

Wholesale trade ............................................... 4.0 4.1 0.0 0.9 0.0 – 1.3 – 1.8 4.0 1.4

Retail trade ...................................................... 3.2 2.7 0.0 0.3 0.0 0.8 0.0 – 1.3 3.6 1.7

Transportation and warehousing ..................... 8.8 8.8 – 0.0 0.3 0.6 1.2 – – 8.8 0.8

Utilities ............................................................. 8.9 8.9 0.0 0.0 0.0 0.0 – – – 7.9 2.9

Information ........................................................... 6.7 5.8 – – – 0.0 0.0 – 3.8 7.5 2.3

Financial activities ................................................ 3.0 3.2 0.4 0.0 0.0 1.4 0.0 – 1.0 3.0 0.8

Finance and insurance .................................... 3.3 3.6 0.2 0.0 0.0 1.4 0.0 – 1.1 3.1 1.0

Credit intermediation and related activities .. 5.3 5.3 0.5 0.0 0.0 – 0.0 – 0.4 5.3 1.6

Insurance carriers and related activities ...... 5.5 6.0 0.0 0.0 – 0.3 0.0 – 3.0 5.5 1.2

Professional and business services ..................... 6.3 6.1 0.0 0.0 0.3 – – – 3.3 5.7 2.6

Professional and technical services ................. 7.6 7.7 0.0 0.0 – – 0.0 – 4.8 6.1 4.2

Education and health services ............................. 6.7 5.2 0.0 0.0 0.0 0.3 0.8 – 3.4 6.8 2.2

Educational services ........................................ – – – – – – – – – 7.4 –

Junior colleges, colleges, and universities ... 6.9 6.9 – – 0.8 – 0.9 – – 6.9 –

Health care and social assistance ................... 7.9 6.1 0.0 0.0 0.0 0.3 1.0 – 3.9 7.8 2.4

See footnotes at end of table.
Table 46. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey,

2014—continued

Characteristics

Automatic

enrollment

available

With automatic enrollment

No automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.9 2.3 0.0 0.0 0.0 0.5 – – – 2.7 1.2

1 to 49 workers .................................................... 3.4 2.8 0.2 0.0 0.0 0.0 0.6 – – 3.4 1.2

50 to 99 workers .................................................. 5.0 5.3 0.0 – 0.0 0.0 0.0 – – 5.2 3.0

100 workers or more ................................................ 2.7 2.7 0.0 – 0.0 0.0 0.0 – – 2.5 1.1

100 to 499 workers .............................................. 3.9 3.9 0.0 0.0 0.0 – – – – 3.8 1.5

500 workers or more ............................................ 3.4 3.5 0.0 0.5 0.0 – 0.0 – 0.6 3.5 1.6

Geographic areas

Northeast ................................................................. 3.6 3.8 – 0.5 0.0 – 0.0 – 2.1 4.6 2.1

New England ....................................................... 6.5 5.6 – 0.3 – 1.2 0.0 – 2.8 7.6 4.0

Middle Atlantic ..................................................... 4.3 4.8 – – 0.0 – 0.0 – 2.7 5.7 2.8

South ....................................................................... 3.6 3.5 0.0 – 0.0 0.0 – – – 3.7 0.5

South Atlantic ....................................................... 3.8 3.9 0.0 0.4 0.0 0.0 1.2 – 0.4 3.9 0.5

East South Central ............................................... 9.2 9.2 0.0 – 0.0 – – – – 10.7 2.4

West South Central .............................................. 7.9 7.3 0.0 0.3 0.0 0.5 0.5 – – 7.9 0.4

Midwest .................................................................... 2.8 3.0 0.0 0.0 – 0.7 0.0 – 1.1 2.2 1.7

East North Central ............................................... 3.4 3.9 0.5 0.0 0.4 – 0.0 – 1.5 2.3 2.0

West North Central .............................................. 4.2 4.2 – 0.0 – 0.8 1.0 – 1.4 4.4 3.0

West ......................................................................... 5.1 4.1 0.0 – 0.0 – – – – 4.2 2.3

Mountain .............................................................. 11.8 8.4 0.0 – 0.0 – 0.0 – 7.3 9.5 4.5

Pacific .................................................................. 5.0 4.6 0.0 – 0.0 0.6 0.0 – – 4.2 2.6

1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan. 2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts based on employee length of service, or other methods. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 47. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount

matched by employer, private industry workers, National Compensation Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 41 38 50 60 100 100 52 7

Management, professional, and related .................. 47 50 50 50 100 100 47 5

Management, business, and financial ................. 46 33 50 60 100 100 49 5

Professional and related ...................................... 48 50 50 – 100 100 46 6

Service ..................................................................... 20 – 50 50 100 100 68 12

Sales and office ....................................................... 37 40 50 67 100 100 56 7

Sales and related ................................................. 29 44 – 67 100 100 67 4

Office and administrative support ........................ 41 40 50 60 100 100 50 9

Natural resources, construction, and maintenance 32 44 50 50 – 100 55 13

Installation, maintenance, and repair ................... 33 44 50 50 60 100 57 10

Production, transportation, and material moving ..... 43 33 50 – 100 100 51 6

Production ............................................................ 40 – 50 – 100 100 51 9

Transportation and material moving .................... 47 33 – – 100 100 51 2

Full time ................................................................... 42 38 50 60 100 100 51 7

Part time .................................................................. 28 50 50 60 67 100 64 8

Union ....................................................................... 34 38 50 – 100 100 51 15

Nonunion ................................................................. 41 38 50 60 100 100 53 6

Average wage within the following categories2:

Lowest 25 percent ............................................... 20 33 50 67 100 100 76 4

Lowest 10 percent ........................................... – – – – – – 78 –

Second 25 percent ............................................... 38 33 50 60 100 100 55 7

Third 25 percent ................................................... 42 40 50 50 100 100 49 9

Highest 25 percent ............................................... 46 – 50 – 100 100 48 6

Highest 10 percent ........................................... 50 – 50 – 100 100 45 5

Establishment characteristics

Goods-producing industries ..................................... 45 – 50 – 100 100 44 11

Construction ......................................................... 11 – – – – – 73 16

Manufacturing ...................................................... 50 – 50 – 100 100 39 11

Service-providing industries ..................................... 39 38 50 50 100 100 55 6

Trade, transportation, and utilities ....................... 35 38 50 60 – 100 61 4

Wholesale trade ............................................... 35 33 38 50 – 100 63 2

Retail trade ...................................................... 23 40 50 67 67 100 71 6

Transportation and warehousing ..................... 53 50 50 – 100 100 46 1

Utilities ............................................................. 57 – 50 50 50 – 35 8

Information ........................................................... 40 – – – – – 55 6

Financial activities ................................................ 40 33 50 – 100 100 57 3

Finance and insurance .................................... 42 33 50 – 100 100 55 3

Credit intermediation and related activities .. 36 – 50 60 100 100 59 4

Insurance carriers and related activities ...... 57 33 50 100 100 100 42 1

Professional and business services ..................... 56 – 50 75 100 100 38 6

Professional and technical services ................. 65 – 50 – 100 100 25 10

Education and health services ............................. 33 50 50 50 100 – 59 8

Educational services ........................................ – – – – – – 75 –

Junior colleges, colleges, and universities ... 30 20 – 50 – 100 70 –

Health care and social assistance ................... 37 50 50 50 100 – 56 7

See footnotes at end of table.
Table 47. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount

matched by employer, private industry workers, National Compensation Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 36 33 50 60 100 100 57 7

1 to 49 workers .................................................... 34 33 50 – 100 – 59 7

50 to 99 workers .................................................. 41 33 – 50 60 – 52 7

100 workers or more ................................................ 43 44 50 50 100 100 50 7

100 to 499 workers .............................................. 38 38 50 60 100 100 55 6

500 workers or more ............................................ 50 50 50 50 100 100 43 8

Geographic areas

Northeast ................................................................. 29 – 50 – 100 100 59 11

New England ....................................................... 26 50 – 100 100 100 62 12

Middle Atlantic ..................................................... 30 – 50 – 75 100 59 11

South ....................................................................... 46 44 50 50 100 100 52 3

South Atlantic ....................................................... 44 – 50 50 100 100 54 2

East South Central ............................................... 36 44 50 – 100 100 58 6

West South Central .............................................. 51 50 50 50 – 100 46 2

Midwest .................................................................... 42 50 50 100 100 100 49 10

East North Central ............................................... 46 50 50 100 100 100 45 9

West North Central .............................................. 33 50 50 67 100 100 56 12

West ......................................................................... 43 33 44 – 100 – 50 7

Mountain .............................................................. 41 33 50 – 100 – 50 9

Pacific .................................................................. 43 33 38 50 100 – 51 6

1 The percentage is determined by the ratio of the default enrollment amount to the maximum employee contribution matched by the employer, for those plans that specify both values. 2 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

2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 47. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee

maximum amount matched by employer, private industry workers, National Compensation Survey, 2014

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 2.0 5.5 0.0 10.8 0.0 0.0 1.9 0.8

Management, professional, and related .................. 3.5 6.2 0.0 14.4 0.0 0.0 3.6 1.0

Management, business, and financial ................. 4.0 4.4 0.0 16.9 0.0 0.0 4.1 0.7

Professional and related ...................................... 3.9 0.0 0.0 – 0.0 0.0 4.0 1.5

Service ..................................................................... 3.8 – 0.0 5.3 23.6 0.0 4.5 3.6

Sales and office ....................................................... 2.9 4.2 0.0 8.7 0.0 0.0 2.7 1.3

Sales and related ................................................. 2.9 12.4 – 6.5 0.0 0.0 3.5 1.4

Office and administrative support ........................ 3.5 5.6 0.0 5.1 0.0 0.0 3.3 1.9

Natural resources, construction, and maintenance 3.9 1.4 1.0 0.0 – 0.0 3.3 2.3

Installation, maintenance, and repair ................... 4.1 0.0 6.6 0.0 4.5 23.3 3.8 2.3

Production, transportation, and material moving ..... 4.0 0.0 0.0 – 0.0 0.0 3.8 1.0

Production ............................................................ 4.5 – 0.0 – 0.0 0.0 3.9 1.8

Transportation and material moving .................... 6.8 1.5 – – 20.7 0.0 6.7 0.8

Full time ................................................................... 2.1 5.5 0.0 11.7 0.0 0.0 2.0 0.7

Part time .................................................................. 4.0 0.0 0.0 8.1 15.5 0.0 4.3 2.3

Union ....................................................................... 6.0 8.5 0.0 – 18.8 0.0 5.3 4.8

Nonunion ................................................................. 2.1 7.0 0.0 10.8 0.0 0.0 2.1 0.7

Average wage within the following categories2:

Lowest 25 percent ............................................... 3.0 6.0 4.5 7.7 18.0 0.0 3.4 1.5

Lowest 10 percent ........................................... – – – – – – 5.7 –

Second 25 percent ............................................... 3.4 6.3 0.0 16.3 4.6 0.0 3.4 1.3

Third 25 percent ................................................... 2.6 6.3 0.0 5.2 0.0 0.0 2.6 1.3

Highest 25 percent ............................................... 3.2 – 0.0 – 0.0 0.0 3.2 1.2

Highest 10 percent ........................................... 4.2 – 0.0 – 0.0 0.0 4.2 1.2

Establishment characteristics

Goods-producing industries ..................................... 3.2 – 0.0 – 0.0 0.0 3.1 1.1

Construction ......................................................... 3.0 – – – – – 5.4 4.2

Manufacturing ...................................................... 3.6 – 0.0 – 0.0 0.0 3.3 1.2

Service-providing industries ..................................... 2.4 5.0 0.0 13.9 0.0 0.0 2.3 1.0

Trade, transportation, and utilities ....................... 3.0 3.7 0.0 10.0 – 0.0 3.2 0.8

Wholesale trade ............................................... 4.0 0.0 6.3 11.7 – 0.0 4.0 1.4

Retail trade ...................................................... 3.2 8.2 2.6 12.6 4.6 11.2 3.6 1.7

Transportation and warehousing ..................... 8.8 0.0 12.6 – 0.0 0.0 8.8 0.8

Utilities ............................................................. 8.9 – 7.2 0.0 6.3 – 7.9 2.9

Information ........................................................... 6.7 – – – – – 7.5 2.3

Financial activities ................................................ 3.0 3.4 0.0 – 0.0 0.0 3.0 0.8

Finance and insurance .................................... 3.3 3.4 0.0 – 0.0 0.0 3.1 1.0

Credit intermediation and related activities .. 5.3 – 0.0 12.9 29.8 0.0 5.3 1.6

Insurance carriers and related activities ...... 5.5 0.0 10.0 27.4 0.0 0.0 5.5 1.2

Professional and business services ..................... 6.3 – 5.3 20.9 23.7 0.0 5.7 2.6

Professional and technical services ................. 7.6 – 13.9 – 0.0 0.0 6.1 4.2

Education and health services ............................. 6.7 0.0 0.0 0.0 10.3 – 6.8 2.2

Educational services ........................................ – – – – – – 7.4 –

Junior colleges, colleges, and universities ... 6.9 0.0 – 0.0 – 0.0 6.9 –

Health care and social assistance ................... 7.9 0.0 0.0 0.0 10.3 – 7.8 2.4

See footnotes at end of table.
Table 47. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee

maximum amount matched by employer, private industry workers, National Compensation Survey, 2014—continued

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.9 0.0 0.0 12.0 0.0 12.9 2.7 1.2

1 to 49 workers .................................................... 3.4 9.8 0.0 – 0.0 – 3.4 1.2

50 to 99 workers .................................................. 5.0 0.0 – 0.0 15.6 – 5.2 3.0

100 workers or more ................................................ 2.7 8.5 0.0 14.8 0.0 0.0 2.5 1.1

100 to 499 workers .............................................. 3.9 6.4 0.0 17.9 0.0 0.0 3.8 1.5

500 workers or more ............................................ 3.4 0.0 0.0 14.4 0.0 0.0 3.5 1.6

Geographic areas

Northeast ................................................................. 3.6 – 0.0 – 20.4 0.0 4.6 2.1

New England ....................................................... 6.5 0.0 – 25.8 0.0 0.0 7.6 4.0

Middle Atlantic ..................................................... 4.3 – 0.0 – 12.1 0.0 5.7 2.8

South ....................................................................... 3.6 7.7 0.0 3.2 17.8 0.0 3.7 0.5

South Atlantic ....................................................... 3.8 – 0.0 9.7 20.9 0.0 3.9 0.5

East South Central ............................................... 9.2 8.7 0.0 – 0.0 0.0 10.7 2.4

West South Central .............................................. 7.9 6.1 0.0 0.0 – 0.0 7.9 0.4

Midwest .................................................................... 2.8 3.2 0.0 16.1 0.0 0.0 2.2 1.7

East North Central ............................................... 3.4 5.1 0.0 0.0 0.0 0.0 2.3 2.0

West North Central .............................................. 4.2 10.6 0.0 13.3 0.0 24.1 4.4 3.0

West ......................................................................... 5.1 0.0 10.0 – 0.0 – 4.2 2.3

Mountain .............................................................. 11.8 4.1 10.2 – 0.0 – 9.5 4.5

Pacific .................................................................. 5.0 0.0 8.7 6.6 9.5 – 4.2 2.6

1 The percentage is determined by the ratio of the default enrollment amount to the maximum employee contribution matched by the employer, for those plans that specify both values. 2 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

2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 48. Savings and thrift plans: Selected automatic escalation features, private industry workers, National

Compensation Survey, 2014

(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)

Characteristics

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings after

maximum

escalation

Worker characteristics

All workers ............................................................... 36 17 3 25 7.0 52 13

Management, professional, and related .................. 38 17 6 21 10.0 48 13

Management, business, and financial ................. 38 15 – 19 8.0 50 13

Professional and related ...................................... 39 19 6 22 10.0 48 14

Service ..................................................................... – – – – – 74 –

Sales and office ....................................................... 27 13 3 22 6.0 56 16

Sales and related ................................................. 23 – – 21 6.0 63 14

Office and administrative support ........................ 29 13 3 22 6.0 54 17

Natural resources, construction, and maintenance:

 Installation, maintenance, and repair .................. 39 35 3 38 6.0 49 13

Production, transportation, and material moving ..... 45 18 3 43 7.0 51 3

Production ............................................................ 33 21 – 31 10.0 64 2

Transportation and material moving .................... 58 15 3 55 6.0 38 4

Full time ................................................................... 35 16 – 24 8.0 52 13

Part time .................................................................. 53 20 – 48 6.0 40 6

Union ....................................................................... – 13 3 22 7.0 59 –

Nonunion ................................................................. 36 17 3 25 7.0 51 13

Average wage within the following categories2:

Lowest 25 percent ............................................... 32 – – 26 6.0 66 1

Second 25 percent ............................................... 34 16 3 31 – 55 11

Third 25 percent ................................................... 31 16 3 25 6.0 56 12

Highest 25 percent ............................................... 39 18 – 22 – 46 15

Highest 10 percent ........................................... 41 17 – 21 8.0 45 14

Establishment characteristics

Goods-producing industries ..................................... 43 27 3 35 8.0 45 11

Manufacturing ...................................................... 42 24 4 32 8.0 48 10

Service-providing industries ..................................... 33 13 – 22 6.0 54 13

Trade, transportation, and utilities ....................... 43 17 3 42 6.0 53 3

Financial activities ................................................ 34 23 – 31 – 59 7

Finance and insurance .................................... 36 24 – 32 – 57 7

Credit intermediation and related activities .. 41 – – 35 – 54 5

Insurance carriers and related activities ...... 29 – – 27 – 63 8

Professional and business services ..................... 44 – – – – 39 17

See footnotes at end of table.
Table 48. Savings and thrift plans: Selected automatic escalation features, private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)

Characteristics

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings after

maximum

escalation

1 to 99 workers:

50 to 99 workers ................................................ 18 – – 18 6.0 72 10

100 workers or more ................................................ 42 19 3 27 7.0 50 8

100 to 499 workers .............................................. 44 18 – 24 7.0 47 8

500 workers or more ............................................ 41 21 – 30 6.0 52 7

Geographic areas

Northeast ................................................................. – – – – – 56 –

Middle Atlantic ..................................................... – – – – – 48 –

South ....................................................................... 39 19 3 26 6.0 55 6

South Atlantic ....................................................... 39 13 3 20 6.0 56 4

East South Central ............................................... – – – – – 63 –

West South Central .............................................. 41 28 3 35 7.0 49 10

Midwest .................................................................... 32 17 – 28 10.0 55 13

East North Central ............................................... 34 22 – 33 10.0 53 14

West North Central .............................................. – – – – – 62 –

West:

Pacific ................................................................ 44 – – 27 6.0 37 19

1 The sum of the individual components may exceed the total because some workers may be in plans in which employee contribution is escalated based on both years of service and

as a specified percent of earnings. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 48. Standard errors for savings and thrift plans: Selected automatic escalation features, private industry

workers, National Compensation Survey, 2014

Characteristics

Automatic

escalation

available

Automatic escalation features

Automatic

escalation

not available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings after

maximum

escalation

Worker characteristics

All workers ............................................................... 3.3 2.1 0.5 2.5 1.1 2.9 2.0

Management, professional, and related .................. 5.2 3.5 1.8 3.9 2.6 4.6 2.9

Management, business, and financial ................. 5.8 3.1 – 3.9 0.7 4.7 5.2

Professional and related ...................................... 5.7 4.6 1.4 4.6 1.5 5.6 3.1

Service ..................................................................... – – – – – 6.2 –

Sales and office ....................................................... 3.8 2.0 0.0 3.3 0.0 4.9 5.2

Sales and related ................................................. 6.3 – – 6.2 0.0 7.0 5.6

Office and administrative support ........................ 4.9 2.6 0.0 4.1 0.0 6.0 6.7

Natural resources, construction, and maintenance:

 Installation, maintenance, and repair .................. 6.8 7.4 0.0 6.8 1.0 8.0 5.3

Production, transportation, and material moving ..... 7.2 3.2 0.8 7.0 1.6 7.2 1.4

Production ............................................................ 5.7 4.6 – 5.4 2.8 5.5 0.8

Transportation and material moving .................... 10.9 3.5 0.0 10.6 0.0 10.6 2.7

Full time ................................................................... 3.4 2.1 – 2.3 1.5 2.9 2.1

Part time .................................................................. 8.3 4.9 – 8.8 0.0 8.0 3.9

Union ....................................................................... – 3.9 0.8 6.0 1.5 10.1 –

Nonunion ................................................................. 3.3 2.1 0.5 2.6 1.2 2.9 2.1

Average wage within the following categories1:

Lowest 25 percent ............................................... 8.1 – – 7.8 0.0 8.2 1.0

Second 25 percent ............................................... 6.9 3.1 0.0 6.8 – 6.8 4.9

Third 25 percent ................................................... 4.1 2.6 0.5 3.1 0.0 4.4 2.8

Highest 25 percent ............................................... 5.3 3.4 – 3.8 – 4.3 2.9

Highest 10 percent ........................................... 6.9 4.0 – 4.4 2.4 5.7 4.2

Establishment characteristics

Goods-producing industries ..................................... 5.7 5.4 0.4 5.5 1.2 6.4 2.8

Manufacturing ...................................................... 5.5 4.6 1.2 5.0 0.3 6.5 3.2

Service-providing industries ..................................... 3.9 1.9 – 2.7 0.3 3.2 2.5

Trade, transportation, and utilities ....................... 5.7 3.1 0.0 5.6 0.0 5.6 1.9

Financial activities ................................................ 3.8 3.8 – 4.1 – 3.8 2.6

Finance and insurance .................................... 4.2 4.2 – 4.5 – 4.1 2.7

Credit intermediation and related activities .. 8.7 – – 8.6 – 9.1 2.7

Insurance carriers and related activities ...... 5.4 – – 4.8 – 6.6 4.8

Professional and business services ..................... 9.7 – – – – 7.6 5.9

See footnotes at end of table.
Table 48. Standard errors for savings and thrift plans: Selected automatic escalation features, private industry

workers, National Compensation Survey, 2014—continued

Characteristics

Automatic

escalation

available

Automatic escalation features

Automatic

escalation

not available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings after

maximum

escalation

1 to 99 workers:

50 to 99 workers ................................................ 4.5 – – 4.5 0.7 6.1 6.3

100 workers or more ................................................ 3.9 2.9 0.7 3.4 1.1 3.7 1.8

100 to 499 workers .............................................. 6.5 5.1 – 5.4 1.0 5.7 3.2

500 workers or more ............................................ 5.6 4.1 – 4.4 1.6 5.5 1.8

Geographic areas

Northeast ................................................................. – – – – – 6.5 –

Middle Atlantic ..................................................... – – – – – 7.7 –

South ....................................................................... 5.2 3.7 0.0 4.1 0.5 5.3 2.2

South Atlantic ....................................................... 6.6 3.1 0.0 3.5 0.0 6.9 1.0

East South Central ............................................... – – – – – 15.4 –

West South Central .............................................. 9.5 7.6 0.0 7.5 1.3 8.8 5.2

Midwest .................................................................... 4.6 3.4 – 3.9 0.4 4.5 2.5

East North Central ............................................... 5.2 4.4 – 5.0 0.0 5.6 3.0

West North Central .............................................. – – – – – 8.0 –

West:

Pacific ................................................................ 8.5 – – 7.5 1.5 6.8 4.2

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 49. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,

2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Percent of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 56 25 50 50 75 80 43 – –

Management, professional, and related .................. 52 25 – 50 75 80 48 – –

Management, business, and financial ................. 54 25 45 50 75 75 45 – –

Professional and related ...................................... 50 25 – 50 75 80 50 – –

Service ..................................................................... 47 25 50 50 75 80 53 – –

Sales and office ....................................................... 60 25 50 50 75 80 40 – –

Sales and related ................................................. 66 25 50 50 75 80 34 – –

Office and administrative support ........................ 57 25 50 50 75 80 43 – –

Natural resources, construction, and maintenance 69 – 25 50 75 80 31 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 60 – 50 60 75 75 40 – –

Installation, maintenance, and repair ................... 72 – 25 50 – 80 28 – –

Production, transportation, and material moving ..... 62 25 – 50 60 80 38 – –

Production ............................................................ 59 25 – 50 60 75 41 – –

Transportation and material moving .................... 66 – 50 50 75 80 34 – –

Full time ................................................................... 56 25 40 50 75 80 44 – –

Part time .................................................................. 59 50 50 50 75 80 41 – –

Union ....................................................................... 73 – 30 50 75 75 27 – –

Nonunion ................................................................. 55 25 50 50 75 80 45 – –

Average wage within the following categories1:

Lowest 25 percent ............................................... 57 25 50 50 75 80 43 – –

Lowest 10 percent ........................................... 51 – 50 – 75 80 49 – –

Second 25 percent ............................................... 52 25 50 50 70 80 48 – –

Third 25 percent ................................................... 56 25 50 50 75 80 43 – –

Highest 25 percent ............................................... 59 25 30 50 75 75 41 – –

Highest 10 percent ........................................... 60 25 – 50 75 75 39 – –

Establishment characteristics

Goods-producing industries ..................................... 61 25 25 50 60 75 39 – –

Construction ......................................................... 39 – 25 – 50 50 61 – –

Manufacturing ...................................................... 62 25 25 50 60 75 38 – –

Service-providing industries ..................................... 55 25 50 50 75 80 45 – –

Trade, transportation, and utilities ....................... 64 25 50 50 60 80 36 – –

Wholesale trade ............................................... 52 25 – 50 60 75 48 – –

Retail trade ...................................................... 63 25 50 50 – 80 37 – –

Transportation and warehousing ..................... 77 40 50 50 60 80 – – –

Utilities ............................................................. 87 – 50 50 75 85 – – –

Information ........................................................... 84 – 25 – 50 80 – – –

Financial activities ................................................ 67 – 50 50 75 75 31 – –

Finance and insurance .................................... 70 – 50 50 75 75 28 – –

Credit intermediation and related activities .. 69 50 50 50 – 75 31 – –

Insurance carriers and related activities ...... 66 – 50 50 75 75 28 – –

Professional and business services ..................... 55 25 – – 75 80 45 – –

Professional and technical services ................. 40 25 – – 75 – 60 – –

Education and health services ............................. 29 – 50 70 75 90 71 – –

Educational services ........................................ – – – – – – 76 – –

Junior colleges, colleges, and universities ... – – – – – – 85 – –

Health care and social assistance ................... 30 – 50 70 75 80 70 – –

See footnotes at end of table.
Table 49. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,

2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Percent of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 50 25 35 50 70 80 50 – –

1 to 49 workers .................................................... 51 25 50 50 75 80 49 – –

50 to 99 workers .................................................. 49 20 30 50 60 75 51 – –

100 workers or more ................................................ 60 25 50 50 75 80 40 – –

100 to 499 workers .............................................. 55 25 50 50 75 80 45 – –

500 workers or more ............................................ 67 25 – 50 75 75 32 – –

Geographic areas

Northeast ................................................................. 50 25 – 50 75 80 50 – –

New England ....................................................... 40 – – 50 60 75 60 – –

Middle Atlantic ..................................................... 53 25 – 50 75 80 47 – –

South ....................................................................... 61 25 – 50 70 80 39 – –

South Atlantic ....................................................... 58 20 35 50 – 80 42 – –

East South Central ............................................... 57 25 50 50 – 75 43 – –

West South Central .............................................. 69 25 – 50 70 75 31 – –

Midwest .................................................................... 55 25 50 50 75 80 44 – –

East North Central ............................................... 55 25 50 50 75 80 45 – –

West North Central .............................................. 54 25 – 50 60 80 44 – –

West ......................................................................... 56 25 50 50 75 80 43 – –

Mountain .............................................................. 60 30 50 60 75 80 39 – –

Pacific .................................................................. 54 25 50 50 75 80 45 – –

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 49. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National

Compensation Survey, 2014

Characteristics Percent of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 2.2 0.0 13.7 0.0 0.9 0.0 2.2 – –

Management, professional, and related .................. 3.2 0.0 – 0.0 0.0 5.8 3.2 – –

Management, business, and financial ................. 4.6 0.0 10.3 0.0 10.2 0.0 4.6 – –

Professional and related ...................................... 3.6 0.0 – 0.0 0.0 1.6 3.6 – –

Service ..................................................................... 5.2 0.0 14.2 0.0 2.7 0.0 5.2 – –

Sales and office ....................................................... 2.2 0.9 0.0 0.0 5.1 1.3 2.2 – –

Sales and related ................................................. 3.8 1.8 0.0 0.0 19.1 5.2 3.8 – –

Office and administrative support ........................ 2.7 3.5 0.0 0.0 6.2 7.8 2.7 – –

Natural resources, construction, and maintenance 5.5 – 6.9 0.0 4.6 5.8 5.5 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 10.5 – 14.1 14.6 0.0 0.0 10.5 – –

Installation, maintenance, and repair ................... 5.8 – 2.2 0.0 – 5.0 5.8 – –

Production, transportation, and material moving ..... 4.6 0.0 – 0.0 0.0 1.6 4.6 – –

Production ............................................................ 7.3 1.3 – 0.0 1.8 7.5 7.3 – –

Transportation and material moving .................... 4.5 – 0.0 0.0 19.7 12.1 4.5 – –

Full time ................................................................... 2.2 0.0 7.6 0.0 0.9 1.6 2.2 – –

Part time .................................................................. 4.9 10.6 0.0 0.0 0.0 0.0 4.9 – –

Union ....................................................................... 4.5 – 6.9 0.0 13.7 13.1 4.5 – –

Nonunion ................................................................. 2.2 0.0 9.5 0.0 0.9 0.0 2.2 – –

Average wage within the following categories1:

Lowest 25 percent ............................................... 4.6 0.0 0.0 0.0 1.3 6.6 4.6 – –

Lowest 10 percent ........................................... 10.9 – 0.0 – 4.1 0.0 10.9 – –

Second 25 percent ............................................... 3.1 2.6 0.0 0.0 6.6 1.3 3.1 – –

Third 25 percent ................................................... 2.7 0.0 10.9 0.0 7.5 0.9 2.7 – –

Highest 25 percent ............................................... 3.3 0.0 3.4 0.0 2.7 3.5 3.3 – –

Highest 10 percent ........................................... 3.9 0.0 – 0.0 0.9 7.7 3.9 – –

Establishment characteristics

Goods-producing industries ..................................... 4.6 0.0 2.2 0.0 7.5 0.0 4.6 – –

Construction ......................................................... 8.9 – 2.6 – 0.0 0.0 8.9 – –

Manufacturing ...................................................... 5.4 0.0 0.0 0.0 6.1 0.0 5.4 – –

Service-providing industries ..................................... 2.5 0.0 0.0 0.0 0.0 0.0 2.5 – –

Trade, transportation, and utilities ....................... 3.6 0.0 0.0 0.0 7.2 5.0 3.6 – –

Wholesale trade ............................................... 4.5 0.0 – 0.0 8.0 21.2 4.5 – –

Retail trade ...................................................... 4.0 0.0 0.0 0.0 – 6.9 4.0 – –

Transportation and warehousing ..................... 8.0 7.6 0.0 2.6 16.5 13.3 – – –

Utilities ............................................................. 5.6 – 5.8 2.9 13.2 5.2 – – –

Information ........................................................... 5.6 – 0.0 – 0.0 9.0 – – –

Financial activities ................................................ 2.9 – 0.0 0.0 11.6 0.0 2.7 – –

Finance and insurance .................................... 3.4 – 0.0 0.0 15.9 0.0 3.3 – –

Credit intermediation and related activities .. 5.1 2.6 0.0 0.0 – 0.0 5.1 – –

Insurance carriers and related activities ...... 5.5 – 0.0 0.0 3.9 3.8 4.8 – –

Professional and business services ..................... 6.3 0.0 – – 3.9 12.6 6.3 – –

Professional and technical services ................. 7.5 0.5 – – 0.0 – 7.5 – –

Education and health services ............................. 5.0 – 0.0 5.1 4.0 10.8 5.0 – –

Educational services ........................................ – – – – – – 7.3 – –

Junior colleges, colleges, and universities ... – – – – – – 4.7 – –

Health care and social assistance ................... 5.6 – 0.0 12.8 0.0 4.0 5.6 – –

See footnotes at end of table.
Table 49. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National

Compensation Survey, 2014—continued

Characteristics Percent of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.9 0.9 8.7 0.0 6.4 5.2 2.9 – –

1 to 49 workers .................................................... 3.4 0.0 10.5 0.0 3.4 8.5 3.4 – –

50 to 99 workers .................................................. 5.6 3.5 6.5 0.0 11.8 0.0 5.6 – –

100 workers or more ................................................ 2.6 0.0 7.5 0.0 0.9 0.9 2.6 – –

100 to 499 workers .............................................. 3.8 2.0 0.0 0.0 0.0 0.0 3.8 – –

500 workers or more ............................................ 2.7 0.0 – 0.0 8.2 5.5 2.7 – –

Geographic areas

Northeast ................................................................. 6.2 0.0 – 0.0 0.9 11.1 6.2 – –

New England ....................................................... 11.7 – – 0.0 12.0 7.5 11.7 – –

Middle Atlantic ..................................................... 7.4 0.0 – 0.0 0.0 14.6 7.4 – –

South ....................................................................... 3.0 1.6 – 0.0 12.3 6.7 3.0 – –

South Atlantic ....................................................... 3.7 2.2 7.6 0.0 – 10.9 3.7 – –

East South Central ............................................... 12.4 0.0 0.0 0.0 – 0.0 12.4 – –

West South Central .............................................. 3.3 0.0 – 0.0 10.0 7.1 3.3 – –

Midwest .................................................................... 3.8 0.0 13.8 0.0 0.0 0.0 3.8 – –

East North Central ............................................... 4.8 5.2 1.8 0.0 0.0 6.1 4.8 – –

West North Central .............................................. 5.8 0.0 – 0.0 17.1 12.9 5.9 – –

West ......................................................................... 4.9 0.4 2.6 0.0 0.0 3.6 4.9 – –

Mountain .............................................................. 7.2 8.7 0.0 12.0 0.0 6.4 7.1 – –

Pacific .................................................................. 6.4 0.0 10.6 0.0 0.0 1.6 6.4 – –

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 50. Savings and thrift plans: Method of employer matching contributions, private industry workers, National

Compensation Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 63 30 50 50 100 100 37 –

Management, professional, and related .................. 57 50 50 100 100 100 43 –

Management, business, and financial ................. 55 – 50 100 100 100 45 –

Professional and related ...................................... 59 50 50 – 100 100 41 –

Service ..................................................................... 65 25 – 50 100 100 35 –

Sales and office ....................................................... 65 25 50 – 100 100 35 –

Sales and related ................................................. 69 25 50 100 100 100 31 –

Office and administrative support ........................ 63 25 50 50 100 100 37 –

Natural resources, construction, and maintenance 58 30 50 80 100 100 42 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 50 – 50 50 – 100 50 –

Installation, maintenance, and repair ................... 62 30 50 – 100 100 38 –

Production, transportation, and material moving ..... 72 30 50 50 100 100 28 –

Production ............................................................ 81 30 50 50 100 – 19 –

Transportation and material moving .................... 61 30 50 50 100 100 39 –

Full time ................................................................... 62 30 50 50 100 100 38 –

Part time .................................................................. 66 25 50 – 100 100 34 –

Union ....................................................................... 67 – 50 50 80 100 33 –

Nonunion ................................................................. 62 25 50 – 100 100 38 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 69 25 50 50 100 100 31 –

Lowest 10 percent ........................................... 62 25 – 50 100 100 38 –

Second 25 percent ............................................... 64 25 50 50 100 100 36 –

Third 25 percent ................................................... 64 30 50 50 100 100 36 –

Highest 25 percent ............................................... 59 50 50 – 100 100 41 –

Highest 10 percent ........................................... 57 50 50 100 100 100 43 –

Establishment characteristics

Goods-producing industries ..................................... 65 30 50 50 100 100 35 –

Construction ......................................................... 39 – 50 50 100 100 61 –

Manufacturing ...................................................... 72 30 50 50 100 100 28 –

Service-providing industries ..................................... 62 25 50 67 100 100 38 –

Trade, transportation, and utilities ....................... 69 25 50 50 100 100 31 –

Wholesale trade ............................................... 75 25 – 50 100 100 25 –

Retail trade ...................................................... 68 25 50 100 100 100 32 –

Transportation and warehousing ..................... 64 30 – 50 100 100 36 –

Utilities ............................................................. 65 – 50 – 100 – 35 –

Information ........................................................... 69 50 – – 100 100 31 –

Financial activities ................................................ 74 – 50 100 100 100 26 –

Finance and insurance .................................... 76 – 50 100 100 100 24 –

Credit intermediation and related activities .. 85 50 – 100 100 100 15 –

Insurance carriers and related activities ...... 72 – 50 – 100 100 28 –

Professional and business services ..................... 49 50 50 50 100 100 51 –

Professional and technical services ................. 50 50 50 – 100 100 50 –

Education and health services ............................. 56 25 50 50 100 100 44 –

Educational services ........................................ 71 25 – 100 100 100 – –

Junior colleges, colleges, and universities ... 69 50 – 100 100 – 31 –

Health care and social assistance ................... 54 – 50 50 100 100 46 –

See footnotes at end of table.
Table 50. Savings and thrift plans: Method of employer matching contributions, private industry workers, National

Compensation Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 67 25 50 – 100 100 33 –

1 to 49 workers .................................................... 68 25 50 – 100 100 32 –

50 to 99 workers .................................................. 65 30 50 – 100 100 35 –

100 workers or more ................................................ 60 30 50 50 100 100 40 –

100 to 499 workers .............................................. 61 30 50 50 100 100 39 –

500 workers or more ............................................ 59 30 50 60 100 100 41 –

Geographic areas

Northeast ................................................................. 66 30 50 – 100 100 34 –

New England ....................................................... 69 – 50 100 100 100 31 –

Middle Atlantic ..................................................... 65 25 50 – 100 100 35 –

South ....................................................................... 58 25 50 – 100 100 42 –

South Atlantic ....................................................... 54 25 50 – 100 100 46 –

East South Central ............................................... 67 25 50 50 100 100 33 –

West South Central .............................................. 61 50 50 – 100 100 39 –

Midwest .................................................................... 67 25 50 50 100 100 33 –

East North Central ............................................... 67 30 50 50 100 100 33 –

West North Central .............................................. 68 25 50 67 100 100 32 –

West ......................................................................... 61 – 50 50 100 100 39 –

Mountain .............................................................. 55 – 50 50 100 100 45 –

Pacific .................................................................. 64 50 50 – 100 100 36 –

1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other

matching methods. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 50. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2014

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 2.0 5.5 0.0 6.9 0.0 0.0 2.0 –

Management, professional, and related .................. 3.0 0.0 0.0 23.8 0.0 0.0 3.0 –

Management, business, and financial ................. 3.5 – 0.0 27.3 0.0 0.0 3.5 –

Professional and related ...................................... 3.9 0.0 0.0 – 0.0 0.0 3.9 –

Service ..................................................................... 4.2 0.0 – 0.0 12.1 0.0 4.2 –

Sales and office ....................................................... 3.0 0.0 0.0 – 0.0 0.0 3.0 –

Sales and related ................................................. 3.5 0.0 0.0 0.0 0.0 0.0 3.5 –

Office and administrative support ........................ 3.8 3.3 0.0 0.0 0.0 0.0 3.8 –

Natural resources, construction, and maintenance 3.7 5.8 0.0 18.9 0.0 0.0 3.7 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.4 – 0.0 0.0 – 0.0 6.4 –

Installation, maintenance, and repair ................... 4.1 6.9 4.5 – 0.0 0.0 4.1 –

Production, transportation, and material moving ..... 3.3 0.0 0.0 0.0 19.9 10.9 3.3 –

Production ............................................................ 3.6 2.7 0.0 0.0 26.8 – 3.6 –

Transportation and material moving .................... 5.4 0.0 0.0 0.0 19.1 0.0 5.4 –

Full time ................................................................... 2.2 3.6 0.0 5.9 0.0 0.0 2.2 –

Part time .................................................................. 4.2 4.4 0.0 – 0.0 0.0 4.2 –

Union ....................................................................... 5.2 – 0.0 0.0 13.5 8.7 5.2 –

Nonunion ................................................................. 2.1 5.8 0.0 – 0.0 0.0 2.1 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 3.9 0.0 8.8 0.0 0.0 0.0 3.9 –

Lowest 10 percent ........................................... 6.7 0.0 – 0.0 20.4 0.0 6.7 –

Second 25 percent ............................................... 3.6 0.9 0.0 0.0 0.0 0.0 3.6 –

Third 25 percent ................................................... 2.8 5.6 0.0 0.0 0.0 0.0 2.8 –

Highest 25 percent ............................................... 2.7 9.0 0.0 – 0.0 0.0 2.7 –

Highest 10 percent ........................................... 3.6 0.0 0.0 0.0 0.0 0.0 3.6 –

Establishment characteristics

Goods-producing industries ..................................... 3.1 5.2 0.0 0.0 0.0 0.0 3.1 –

Construction ......................................................... 7.4 – 0.0 3.6 0.0 0.0 7.4 –

Manufacturing ...................................................... 3.0 6.3 0.0 0.0 0.0 0.0 3.0 –

Service-providing industries ..................................... 2.4 2.2 0.0 18.9 0.0 0.0 2.4 –

Trade, transportation, and utilities ....................... 3.4 0.0 0.0 8.4 0.0 0.0 3.4 –

Wholesale trade ............................................... 4.7 0.0 – 0.0 0.0 0.0 4.7 –

Retail trade ...................................................... 3.8 3.9 0.0 0.0 0.0 0.0 3.8 –

Transportation and warehousing ..................... 10.6 0.0 – 4.4 17.7 0.0 10.6 –

Utilities ............................................................. 7.4 – 0.0 – 0.0 – 7.4 –

Information ........................................................... 6.7 0.0 – – 0.0 0.0 6.7 –

Financial activities ................................................ 2.9 – 0.0 0.0 0.0 0.0 2.9 –

Finance and insurance .................................... 2.6 – 4.7 0.0 0.0 0.0 2.6 –

Credit intermediation and related activities .. 2.9 7.2 – 0.0 0.0 0.0 2.9 –

Insurance carriers and related activities ...... 3.4 – 0.0 – 0.0 0.0 3.4 –

Professional and business services ..................... 6.1 0.0 0.0 0.0 0.0 0.0 6.1 –

Professional and technical services ................. 8.5 0.0 0.0 – 0.0 0.0 8.5 –

Education and health services ............................. 6.6 2.2 0.0 0.0 0.0 0.0 6.6 –

Educational services ........................................ 10.4 2.2 – 0.0 0.0 0.0 – –

Junior colleges, colleges, and universities ... 6.8 0.0 – 0.0 0.0 – 6.8 –

Health care and social assistance ................... 7.1 – 0.0 0.0 6.5 0.0 7.1 –

See footnotes at end of table.
Table 50. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2014—continued

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.9 3.0 0.0 – 0.0 0.0 2.9 –

1 to 49 workers .................................................... 3.0 3.4 0.0 – 0.0 0.0 3.0 –

50 to 99 workers .................................................. 5.8 5.8 0.0 – 0.0 0.0 5.8 –

100 workers or more ................................................ 2.5 0.9 0.0 1.8 0.0 0.0 2.5 –

100 to 499 workers .............................................. 3.6 7.1 0.0 0.0 0.0 0.0 3.6 –

500 workers or more ............................................ 3.7 3.8 0.0 16.4 0.0 0.0 3.7 –

Geographic areas

Northeast ................................................................. 5.2 5.6 0.0 – 0.0 0.0 5.2 –

New England ....................................................... 8.0 – 0.0 28.5 0.0 0.0 8.0 –

Middle Atlantic ..................................................... 6.1 4.4 0.0 – 0.0 0.0 6.1 –

South ....................................................................... 3.9 6.9 0.0 – 0.0 0.0 3.9 –

South Atlantic ....................................................... 6.5 0.0 0.0 – 0.0 0.0 6.5 –

East South Central ............................................... 4.1 0.0 8.9 0.0 0.0 0.0 4.1 –

West South Central .............................................. 4.7 0.0 0.0 – 0.0 0.0 4.7 –

Midwest .................................................................... 2.7 4.6 0.0 0.0 0.0 0.0 2.7 –

East North Central ............................................... 2.6 6.8 0.0 0.0 0.0 0.0 2.6 –

West North Central .............................................. 6.3 0.0 0.0 18.7 0.0 0.0 6.3 –

West ......................................................................... 4.0 – 0.0 0.0 0.0 0.0 4.0 –

Mountain .............................................................. 8.7 – 2.7 0.0 0.0 0.0 8.7 –

Pacific .................................................................. 4.2 0.0 0.0 – 0.0 0.0 4.2 –

1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other

matching methods. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 51. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers,

National Compensation Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 63 3.0 4.0 6.0 6.0 6.0 37 –

Management, professional, and related .................. 57 3.0 4.0 6.0 6.0 6.0 43 –

Management, business, and financial ................. 55 4.0 4.0 6.0 6.0 6.0 45 –

Professional and related ...................................... 59 3.0 4.0 5.0 6.0 6.0 41 –

Service ..................................................................... 65 4.0 4.0 6.0 6.0 – 35 –

Sales and office ....................................................... 65 4.0 4.0 6.0 6.0 6.0 35 –

Sales and related ................................................. 69 4.0 4.0 6.0 6.0 6.0 31 –

Office and administrative support ........................ 63 3.0 4.0 5.5 6.0 6.0 37 –

Natural resources, construction, and maintenance 58 4.0 6.0 6.0 6.0 6.0 42 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 50 – 6.0 6.0 6.0 – 50 –

Installation, maintenance, and repair ................... 62 4.0 5.0 6.0 6.0 6.0 38 –

Production, transportation, and material moving ..... 72 4.0 5.0 6.0 6.0 7.0 28 –

Production ............................................................ 81 4.0 6.0 6.0 6.0 – 19 –

Transportation and material moving .................... 61 – 4.0 6.0 6.0 6.0 39 –

Full time ................................................................... 62 3.0 4.0 6.0 6.0 6.0 38 –

Part time .................................................................. 66 3.0 4.0 6.0 6.0 6.0 34 –

Union ....................................................................... 67 – 5.0 6.0 6.0 8.0 33 –

Nonunion ................................................................. 62 3.0 4.0 6.0 6.0 6.0 38 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 69 4.0 4.0 6.0 6.0 6.0 31 –

Lowest 10 percent ........................................... 62 4.0 4.0 6.0 6.0 6.0 38 –

Second 25 percent ............................................... 64 3.0 4.0 6.0 6.0 6.0 36 –

Third 25 percent ................................................... 64 4.0 5.0 6.0 6.0 6.0 36 –

Highest 25 percent ............................................... 59 3.0 4.0 6.0 6.0 6.0 41 –

Highest 10 percent ........................................... 57 3.0 4.0 6.0 6.0 6.0 43 –

Establishment characteristics

Goods-producing industries ..................................... 65 – 5.0 6.0 6.0 8.0 35 –

Construction ......................................................... 39 – 4.0 – 6.0 – 61 –

Manufacturing ...................................................... 72 – 5.0 6.0 6.0 8.0 28 –

Service-providing industries ..................................... 62 3.0 4.0 6.0 6.0 6.0 38 –

Trade, transportation, and utilities ....................... 69 4.0 4.0 6.0 6.0 6.0 31 –

Wholesale trade ............................................... 75 4.0 5.0 6.0 6.0 6.0 25 –

Retail trade ...................................................... 68 4.0 4.0 6.0 6.0 6.0 32 –

Transportation and warehousing ..................... 64 – 4.0 6.0 6.0 6.0 36 –

Utilities ............................................................. 65 – 6.0 6.0 6.0 8.0 35 –

Information ........................................................... 69 4.0 – 6.0 6.0 6.0 31 –

Financial activities ................................................ 74 4.0 5.0 6.0 6.0 6.0 26 –

Finance and insurance .................................... 76 4.0 5.0 6.0 6.0 6.0 24 –

Credit intermediation and related activities .. 85 4.0 5.0 6.0 6.0 6.0 15 –

Insurance carriers and related activities ...... 72 4.0 5.0 6.0 6.0 6.0 28 –

Professional and business services ..................... 49 – – 6.0 6.0 8.0 51 –

Professional and technical services ................. 50 3.0 4.0 6.0 6.0 – 50 –

Education and health services ............................. 56 – 3.0 4.0 6.0 6.0 44 –

Educational services ........................................ 71 3.0 4.0 5.0 5.0 6.0 – –

Junior colleges, colleges, and universities ... 69 4.0 5.0 5.0 6.0 6.0 31 –

Health care and social assistance ................... 54 – 3.0 4.0 6.0 6.0 46 –

See footnotes at end of table.
Table 51. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers,

National Compensation Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 67 3.0 4.0 6.0 6.0 6.0 33 –

1 to 49 workers .................................................... 68 3.0 4.0 6.0 6.0 6.0 32 –

50 to 99 workers .................................................. 65 3.0 4.0 6.0 6.0 6.0 35 –

100 workers or more ................................................ 60 3.5 4.0 6.0 6.0 6.0 40 –

100 to 499 workers .............................................. 61 4.0 4.5 6.0 6.0 6.0 39 –

500 workers or more ............................................ 59 3.0 4.0 6.0 6.0 6.0 41 –

Geographic areas

Northeast ................................................................. 66 3.0 4.0 6.0 6.0 – 34 –

New England ....................................................... 69 3.0 – 6.0 6.0 6.0 31 –

Middle Atlantic ..................................................... 65 3.0 4.0 6.0 6.0 – 35 –

South ....................................................................... 58 3.0 4.0 6.0 6.0 6.0 42 –

South Atlantic ....................................................... 54 3.0 4.0 6.0 6.0 6.0 46 –

East South Central ............................................... 67 3.0 4.0 5.0 6.0 6.0 33 –

West South Central .............................................. 61 4.0 5.0 6.0 6.0 6.0 39 –

Midwest .................................................................... 67 4.0 5.0 6.0 6.0 – 33 –

East North Central ............................................... 67 4.0 4.0 6.0 6.0 – 33 –

West North Central .............................................. 68 4.0 5.0 6.0 6.0 6.0 32 –

West ......................................................................... 61 3.0 4.0 6.0 6.0 6.0 39 –

Mountain .............................................................. 55 – 4.0 6.0 6.0 6.0 45 –

Pacific .................................................................. 64 – 4.0 6.0 6.0 6.0 36 –

1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other

matching methods. 2 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 51. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2014

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 2.0 0.3 0.0 0.0 0.0 0.0 2.0 –

Management, professional, and related .................. 3.0 0.0 0.0 0.0 0.0 0.0 3.0 –

Management, business, and financial ................. 3.5 0.0 0.4 0.0 0.0 0.9 3.5 –

Professional and related ...................................... 3.9 0.0 0.9 1.1 0.0 0.0 3.9 –

Service ..................................................................... 4.2 0.1 0.0 0.0 0.0 – 4.2 –

Sales and office ....................................................... 3.0 0.8 0.1 0.0 0.0 0.0 3.0 –

Sales and related ................................................. 3.5 0.0 0.8 0.0 0.0 0.0 3.5 –

Office and administrative support ........................ 3.8 0.8 0.1 1.0 0.0 0.0 3.8 –

Natural resources, construction, and maintenance 3.7 0.2 1.2 0.0 0.0 0.0 3.7 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.4 – 0.3 0.0 0.0 – 6.4 –

Installation, maintenance, and repair ................... 4.1 0.2 0.9 0.0 0.0 0.0 4.1 –

Production, transportation, and material moving ..... 3.3 0.9 0.8 0.0 0.0 1.9 3.3 –

Production ............................................................ 3.6 0.9 0.9 0.0 0.0 – 3.6 –

Transportation and material moving .................... 5.4 – 0.0 0.7 0.0 0.0 5.4 –

Full time ................................................................... 2.2 0.4 0.0 0.0 0.0 0.0 2.2 –

Part time .................................................................. 4.2 0.0 0.0 1.3 0.0 0.0 4.2 –

Union ....................................................................... 5.2 – 1.3 0.0 0.0 2.3 5.2 –

Nonunion ................................................................. 2.1 0.3 0.0 0.0 0.0 0.0 2.1 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 3.9 0.4 0.0 0.3 0.0 0.0 3.9 –

Lowest 10 percent ........................................... 6.7 0.0 1.0 0.9 0.0 0.0 6.7 –

Second 25 percent ............................................... 3.6 0.4 0.0 0.0 0.0 0.3 3.6 –

Third 25 percent ................................................... 2.8 1.0 0.8 0.0 0.0 0.3 2.8 –

Highest 25 percent ............................................... 2.7 0.2 0.0 0.0 0.0 0.0 2.7 –

Highest 10 percent ........................................... 3.6 0.5 0.0 0.0 0.0 1.6 3.6 –

Establishment characteristics

Goods-producing industries ..................................... 3.1 – 1.3 0.0 0.0 0.0 3.1 –

Construction ......................................................... 7.4 – 0.0 – 0.0 – 7.4 –

Manufacturing ...................................................... 3.0 – 1.3 0.0 0.0 0.0 3.0 –

Service-providing industries ..................................... 2.4 0.1 0.0 0.0 0.0 0.0 2.4 –

Trade, transportation, and utilities ....................... 3.4 0.1 1.1 0.0 0.0 0.0 3.4 –

Wholesale trade ............................................... 4.7 0.4 1.0 0.0 0.0 0.0 4.7 –

Retail trade ...................................................... 3.8 0.0 0.8 0.5 0.0 0.0 3.8 –

Transportation and warehousing ..................... 10.6 – 0.8 1.0 0.0 0.0 10.6 –

Utilities ............................................................. 7.4 – 0.0 0.0 0.0 1.5 7.4 –

Information ........................................................... 6.7 0.0 – 0.0 0.0 1.7 6.7 –

Financial activities ................................................ 2.9 0.0 0.0 0.0 0.0 0.0 2.9 –

Finance and insurance .................................... 2.6 0.0 0.0 0.0 0.0 0.0 2.6 –

Credit intermediation and related activities .. 2.9 0.0 0.0 0.0 0.0 0.0 2.9 –

Insurance carriers and related activities ...... 3.4 0.0 1.3 0.0 0.0 0.0 3.4 –

Professional and business services ..................... 6.1 – – 0.0 0.0 1.2 6.1 –

Professional and technical services ................. 8.5 0.8 0.4 0.0 0.0 – 8.5 –

Education and health services ............................. 6.6 – 0.0 0.4 0.0 0.0 6.6 –

Educational services ........................................ 10.4 0.0 0.5 0.0 0.6 0.3 – –

Junior colleges, colleges, and universities ... 6.8 0.0 0.2 0.0 1.0 0.0 6.8 –

Health care and social assistance ................... 7.1 – 0.0 0.3 0.0 0.0 7.1 –

See footnotes at end of table.
Table 51. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2014—continued

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.9 0.0 0.0 0.0 0.0 0.0 2.9 –

1 to 49 workers .................................................... 3.0 0.7 0.0 0.3 0.0 0.0 3.0 –

50 to 99 workers .................................................. 5.8 0.0 0.6 0.0 0.0 0.0 5.8 –

100 workers or more ................................................ 2.5 0.9 0.6 0.0 0.0 0.0 2.5 –

100 to 499 workers .............................................. 3.6 0.4 0.9 0.0 0.0 0.2 3.6 –

500 workers or more ............................................ 3.7 0.3 0.0 0.0 0.0 0.0 3.7 –

Geographic areas

Northeast ................................................................. 5.2 0.0 0.0 0.7 0.0 – 5.2 –

New England ....................................................... 8.0 0.0 – 0.5 0.0 1.2 8.0 –

Middle Atlantic ..................................................... 6.1 0.0 0.0 1.2 0.0 – 6.1 –

South ....................................................................... 3.9 0.6 0.0 0.0 0.0 0.0 3.9 –

South Atlantic ....................................................... 6.5 0.1 0.0 0.0 0.0 0.0 6.5 –

East South Central ............................................... 4.1 0.7 0.0 1.4 0.0 0.0 4.1 –

West South Central .............................................. 4.7 0.0 0.6 0.0 0.0 0.0 4.7 –

Midwest .................................................................... 2.7 0.0 0.3 0.0 0.0 – 2.7 –

East North Central ............................................... 2.6 0.0 0.6 0.0 0.0 – 2.6 –

West North Central .............................................. 6.3 0.0 0.0 0.0 0.0 1.0 6.3 –

West ......................................................................... 4.0 0.8 0.0 0.3 0.0 0.0 4.0 –

Mountain .............................................................. 8.7 – 0.5 0.7 0.0 0.3 8.7 –

Pacific .................................................................. 4.2 – 0.2 0.4 0.0 0.0 4.2 –

1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other

matching methods. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 52. Savings and thrift plans: Maximum potential employer contribution,1

 private

industry workers, National Compensation Survey, 2014

(Includes all workers participating in savings and thrift plans that specify matching contributions)

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.5 2.5 3.0 5.0 6.0

Management, professional, and related .................. 1.8 3.0 3.0 5.0 6.0

Management, business, and financial ................. 2.0 3.0 4.0 5.0 6.0

Professional and related ...................................... 1.5 3.0 3.0 4.5 6.0

Service ..................................................................... – 1.8 3.0 4.0 6.0

Sales and office ....................................................... 1.5 2.0 3.4 5.0 6.0

Sales and related ................................................. 1.5 3.0 4.0 6.0 6.0

Office and administrative support ........................ 1.3 2.0 3.0 5.0 6.0

Natural resources, construction, and maintenance 1.5 – 4.0 5.0 6.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.8 3.0 3.0 – 6.0

Installation, maintenance, and repair ................... 1.5 – 4.5 5.0 6.0

Production, transportation, and material moving ..... 1.8 2.0 3.0 4.0 6.0

Production ............................................................ 1.8 – 3.0 4.5 –

Transportation and material moving .................... 1.5 2.0 3.0 4.0 5.0

Full time ................................................................... 1.5 2.5 3.0 5.0 6.0

Part time .................................................................. 1.2 – 3.0 5.0 6.0

Union ....................................................................... – – 3.0 4.0 4.9

Nonunion ................................................................. 1.5 2.5 3.0 5.0 6.0

Average wage within the following categories2:

Lowest 25 percent ............................................... – 1.8 3.0 5.0 6.0

Lowest 10 percent ........................................... – 1.5 3.0 4.0 5.0

Second 25 percent ............................................... 1.5 2.0 3.0 5.0 6.0

Third 25 percent ................................................... 1.5 – 3.0 5.0 6.0

Highest 25 percent ............................................... 1.8 3.0 4.0 5.0 6.0

Highest 10 percent ........................................... 2.0 3.0 4.0 6.0 6.0

Establishment characteristics

Goods-producing industries ..................................... 1.8 2.0 3.0 4.5 6.0

Construction ......................................................... – 2.0 – 5.0 6.0

Manufacturing ...................................................... 1.8 2.0 3.0 4.5 6.0

Service-providing industries ..................................... 1.5 2.5 3.0 5.0 6.0

Trade, transportation, and utilities ....................... 1.5 2.0 3.0 5.0 6.0

Wholesale trade ............................................... 1.3 1.5 3.0 4.0 6.0

Retail trade ...................................................... 1.3 2.5 4.0 6.0 6.0

Transportation and warehousing ..................... 1.8 1.8 – 5.0 6.0

Utilities ............................................................. – 3.6 4.5 6.0 –

Information ........................................................... 3.0 4.0 4.8 6.0 6.0

Financial activities ................................................ – 3.0 5.0 6.0 6.0

Finance and insurance .................................... – 3.0 5.0 6.0 6.0

Credit intermediation and related activities .. 3.0 3.5 5.0 6.0 6.0

Insurance carriers and related activities ...... – 3.0 4.0 5.0 6.0

Professional and business services ..................... – 3.0 – 5.0 6.0

Professional and technical services ................. – 3.0 3.0 – 6.0

Education and health services ............................. 1.0 2.0 3.0 3.0 5.0

Educational services ........................................ – – – 5.0 5.0

Junior colleges, colleges, and universities ... 3.0 – 5.0 5.0 –

Health care and social assistance ................... 1.2 2.0 3.0 3.0 4.0

See footnotes at end of table.
Table 52. Savings and thrift plans: Maximum potential employer contribution,1

 private

industry workers, National Compensation Survey, 2014—continued

(Includes all workers participating in savings and thrift plans that specify matching contributions)

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 1.5 – 3.0 4.9 6.0

1 to 49 workers .................................................... 1.5 – 3.0 5.0 6.0

50 to 99 workers .................................................. 1.5 – 3.0 4.0 6.0

100 workers or more ................................................ 1.5 2.4 3.0 5.0 6.0

100 to 499 workers .............................................. 1.5 3.0 3.0 5.0 6.0

500 workers or more ............................................ 1.5 2.0 – 5.0 6.0

Geographic areas

Northeast ................................................................. 1.5 2.5 3.0 4.9 6.0

New England ....................................................... 2.0 3.0 – 5.0 6.0

Middle Atlantic ..................................................... 1.5 2.0 3.0 4.9 6.0

South ....................................................................... 1.5 2.0 3.0 6.0 6.0

South Atlantic ....................................................... 1.5 2.0 3.0 5.0 6.0

East South Central ............................................... – 2.0 3.0 4.0 6.0

West South Central .............................................. 2.0 3.0 4.0 6.0 6.0

Midwest .................................................................... 1.5 – 3.0 5.0 6.0

East North Central ............................................... 1.5 2.0 3.0 5.0 6.0

West North Central .............................................. 1.5 3.0 4.0 5.0 6.0

West ......................................................................... 1.5 3.0 3.0 4.5 6.0

Mountain .............................................................. – 2.0 3.0 4.0 6.0

Pacific .................................................................. – 3.0 3.0 4.8 6.0

1 The maximum potential employer contribution is determined by multiplying the maximum employee contribution subject to matching by the

employer matching percent, for those plans that specify both values. 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 52. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1

 private industry workers, National Compensation Survey, 2014

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.0 0.6 0.0 0.0 0.0

Management, professional, and related .................. 0.4 0.0 0.6 0.1 0.0

Management, business, and financial ................. 0.4 0.0 0.2 1.3 0.0

Professional and related ...................................... 0.4 0.0 0.0 0.8 0.0

Service ..................................................................... – 0.3 0.0 0.1 0.5

Sales and office ....................................................... 0.1 0.2 0.7 0.9 0.0

Sales and related ................................................. 0.0 0.6 0.0 0.0 0.0

Office and administrative support ........................ 0.3 0.0 0.3 0.0 0.0

Natural resources, construction, and maintenance 0.4 – 0.5 0.1 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.4 0.5 0.0 – 0.3

Installation, maintenance, and repair ................... 0.4 – 0.7 0.3 0.0

Production, transportation, and material moving ..... 0.3 0.0 0.0 0.5 0.3

Production ............................................................ 0.2 – 0.0 0.8 –

Transportation and material moving .................... 0.4 0.1 0.1 0.2 1.1

Full time ................................................................... 0.0 0.6 0.0 0.0 0.0

Part time .................................................................. 0.3 – 0.0 0.0 0.0

Union ....................................................................... – – 0.0 0.9 2 ( )

Nonunion ................................................................. 0.0 0.5 0.0 0.0 0.0

Average wage within the following categories3:

Lowest 25 percent ............................................... – 0.3 0.0 0.7 0.0

Lowest 10 percent ........................................... – 0.2 0.0 0.1 1.1

Second 25 percent ............................................... 0.3 0.0 0.0 0.0 0.0

Third 25 percent ................................................... 0.1 – 0.0 2 ( ) 0.0

Highest 25 percent ............................................... 0.2 0.0 1.1 2 ( ) 0.0

Highest 10 percent ........................................... 0.4 0.0 0.0 0.7 0.0

Establishment characteristics

Goods-producing industries ..................................... 0.1 0.2 0.0 0.6 0.0

Construction ......................................................... – 0.0 – 1.3 0.0

Manufacturing ...................................................... 0.1 0.4 0.0 0.6 0.0

Service-providing industries ..................................... 0.0 0.6 0.1 0.0 0.0

Trade, transportation, and utilities ....................... 0.3 0.1 0.3 0.9 0.0

Wholesale trade ............................................... 0.2 0.4 0.0 0.0 0.2

Retail trade ...................................................... 0.4 0.4 0.0 0.0 0.0

Transportation and warehousing ..................... 0.4 0.2 – 0.8 0.4

Utilities ............................................................. – 0.8 1.3 0.0 –

Information ........................................................... 0.4 0.1 0.2 1.5 0.0

Financial activities ................................................ – 0.0 1.1 0.2 0.0

Finance and insurance .................................... – 0.3 0.6 0.0 0.0

Credit intermediation and related activities .. 0.4 0.9 0.0 0.0 0.0

Insurance carriers and related activities ...... – 0.0 0.4 0.4 0.0

Professional and business services ..................... – 0.0 – 1.4 0.0

Professional and technical services ................. – 0.0 0.6 – 0.5

Education and health services ............................. 0.3 0.2 0.0 0.0 0.2

Educational services ........................................ – – – 0.0 0.8

Junior colleges, colleges, and universities ... 0.0 – 0.0 0.9 –

Health care and social assistance ................... 0.3 0.3 0.2 0.0 0.5

See footnotes at end of table.
Table 52. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1

 private industry workers, National Compensation Survey, 2014—continued

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.0 – 0.0 0.5 0.0

1 to 49 workers .................................................... 2 ( ) – 0.1 0.2 0.0

50 to 99 workers .................................................. 0.4 – 0.0 0.7 0.0

100 workers or more ................................................ 0.0 0.6 0.3 0.0 0.0

100 to 499 workers .............................................. 0.1 0.7 0.2 0.0 0.0

500 workers or more ............................................ 0.3 0.1 – 0.0 0.0

Geographic areas

Northeast ................................................................. 0.2 0.6 0.1 0.2 0.0

New England ....................................................... 0.4 0.0 – 0.3 0.0

Middle Atlantic ..................................................... 0.3 0.3 0.3 0.8 0.0

South ....................................................................... 0.0 0.5 0.7 1.3 0.0

South Atlantic ....................................................... 0.0 0.0 0.1 0.4 0.0

East South Central ............................................... – 0.5 0.0 0.8 0.0

West South Central .............................................. 0.2 0.0 0.8 0.3 0.0

Midwest .................................................................... 0.0 – 0.0 0.2 0.0

East North Central ............................................... 0.3 0.2 0.0 0.8 0.0

West North Central .............................................. 0.2 0.0 1.0 0.0 0.0

West ......................................................................... 0.4 0.3 0.0 0.7 0.2

Mountain .............................................................. – 0.4 0.2 0.5 0.0

Pacific .................................................................. – 0.0 0.6 0.7 0.9

1 The maximum potential employer contribution is determined by multiplying the maximum employee contribution subject to matching by the

employer matching percent, for those plans that specify both values. 2 Less than 0.05. 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 53. Savings and thrift plans: Eligibility requirements, private industry workers,

National Compensation Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

With

minimum age

or service

requirement

Median age

requirement

(in years)

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Not

determinable

Worker characteristics

All workers ............................................................... 63 21 6 30 7

Management, professional, and related .................. 53 21 – 38 8

Management, business, and financial ................. 56 21 – 36 8

Professional and related ...................................... 51 21 – 41 8

Service ..................................................................... 75 21 6 20 4

Sales and office ....................................................... 69 21 6 25 6

Sales and related ................................................. 76 21 12 21 3

Office and administrative support ........................ 65 21 6 26 8

Natural resources, construction, and maintenance 58 18 3 29 13

Construction, extraction, farming, fishing, and

forestry ............................................................... 74 18 3 – –

Installation, maintenance, and repair ................... 53 18 – 34 13

Production, transportation, and material moving ..... 75 21 3 20 5

Production ............................................................ 76 21 3 22 1

Transportation and material moving .................... 73 21 3 18 9

Full time ................................................................... 61 21 6 31 8

Part time .................................................................. 84 21 – 13 3

Union ....................................................................... 56 21 12 35 9

Nonunion ................................................................. 64 21 6 29 7

Average wage within the following categories1:

Lowest 25 percent ............................................... 85 21 – 12 3

Lowest 10 percent ........................................... 82 21 12 – –

Second 25 percent ............................................... 72 21 6 21 7

Third 25 percent ................................................... 68 21 6 26 6

Highest 25 percent ............................................... 50 21 – 40 9

Highest 10 percent ........................................... 46 21 3 47 7

Establishment characteristics

Goods-producing industries ..................................... 56 18 3 39 4

Construction ......................................................... 57 18 – – –

Manufacturing ...................................................... 59 18 3 39 2

Service-providing industries ..................................... 65 21 6 27 8

Trade, transportation, and utilities ....................... 77 21 – 17 5

Wholesale trade ............................................... 69 21 – 22 9

Retail trade ...................................................... 90 21 12 – –

Transportation and warehousing ..................... 72 21 – – –

Information ........................................................... 52 21 3 40 7

Financial activities ................................................ 53 21 – 42 5

Finance and insurance .................................... 51 21 3 46 3

Credit intermediation and related activities .. 63 21 – 36 1

Insurance carriers and related activities ...... 45 21 – 50 5

Professional and business services ..................... 61 21 – 27 13

Professional and technical services ................. 57 18 – 29 14

Education and health services ............................. 59 21 – 31 10

Educational services ........................................ 52 21 12 34 14

Junior colleges, colleges, and universities ... 60 21 – 40 –

Health care and social assistance ................... 60 21 – 31 9

See footnotes at end of table.
Table 53. Savings and thrift plans: Eligibility requirements, private industry workers,

National Compensation Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

With

minimum age

or service

requirement

Median age

requirement

(in years)

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Not

determinable

1 to 99 workers ........................................................ 68 21 6 24 8

1 to 49 workers .................................................... 69 21 6 22 8

50 to 99 workers .................................................. 65 21 – 28 7

100 workers or more ................................................ 61 21 6 33 7

100 to 499 workers .............................................. 73 21 – 21 6

500 workers or more ............................................ 44 21 – 48 8

Geographic areas

Northeast ................................................................. 67 21 – 25 8

New England ....................................................... 57 21 – 34 9

Middle Atlantic ..................................................... 70 21 – 22 8

South ....................................................................... 59 21 6 35 6

South Atlantic ....................................................... 53 21 6 39 8

East South Central ............................................... 75 21 6 20 5

West South Central .............................................. 60 21 – 36 4

Midwest .................................................................... 64 21 – 27 9

East North Central ............................................... 60 21 – 31 9

West North Central .............................................. 70 21 – 21 9

West ......................................................................... 68 21 – 26 6

Mountain .............................................................. 73 21 – 17 9

Pacific .................................................................. 65 18 – 31 4

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 53. Standard errors for savings and thrift plans: Eligibility requirements, private

industry workers, National Compensation Survey, 2014

Characteristics

With

minimum age

or service

requirement

Median age

requirement

(in years)

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Not

determinable

Worker characteristics

All workers ............................................................... 1.8 0.0 0.0 1.5 0.8

Management, professional, and related .................. 3.0 0.0 – 2.9 1.3

Management, business, and financial ................. 3.8 1.4 – 3.5 1.6

Professional and related ...................................... 3.6 0.0 – 3.5 1.7

Service ..................................................................... 5.0 0.0 0.0 4.8 1.4

Sales and office ....................................................... 2.5 0.0 0.0 2.1 1.5

Sales and related ................................................. 3.3 0.0 1.9 3.0 0.9

Office and administrative support ........................ 3.0 0.0 0.0 2.6 2.1

Natural resources, construction, and maintenance 3.9 0.0 0.8 3.9 2.7

Construction, extraction, farming, fishing, and

forestry ............................................................... 7.0 0.0 0.0 – –

Installation, maintenance, and repair ................... 4.4 1.8 – 5.2 3.3

Production, transportation, and material moving ..... 2.8 0.4 0.0 2.6 1.4

Production ............................................................ 3.6 1.5 0.5 3.8 0.6

Transportation and material moving .................... 4.7 0.0 0.0 4.4 2.8

Full time ................................................................... 2.0 0.0 1.4 1.7 0.9

Part time .................................................................. 2.1 0.0 – 1.6 1.4

Union ....................................................................... 5.4 0.5 2.2 5.2 3.4

Nonunion ................................................................. 1.9 0.0 0.0 1.6 0.9

Average wage within the following categories1:

Lowest 25 percent ............................................... 3.4 0.0 – 3.2 0.9

Lowest 10 percent ........................................... 8.0 0.0 2.9 – –

Second 25 percent ............................................... 2.9 0.0 0.0 2.4 1.6

Third 25 percent ................................................... 2.3 0.0 1.2 2.1 1.0

Highest 25 percent ............................................... 2.7 0.5 – 2.6 1.4

Highest 10 percent ........................................... 3.5 2.8 0.8 3.6 1.6

Establishment characteristics

Goods-producing industries ..................................... 4.1 0.0 0.0 4.2 1.2

Construction ......................................................... 8.5 0.0 – – –

Manufacturing ...................................................... 4.5 0.0 0.0 4.7 0.8

Service-providing industries ..................................... 1.9 0.0 0.0 1.5 1.0

Trade, transportation, and utilities ....................... 2.5 0.0 – 2.0 1.0

Wholesale trade ............................................... 3.8 0.0 – 4.0 3.2

Retail trade ...................................................... 4.1 0.0 0.0 – –

Transportation and warehousing ..................... 8.6 0.9 – – –

Information ........................................................... 6.4 3.4 0.0 6.6 5.4

Financial activities ................................................ 3.5 0.0 – 3.3 1.3

Finance and insurance .................................... 3.8 0.0 0.5 3.6 1.0

Credit intermediation and related activities .. 4.5 0.0 – 4.2 0.7

Insurance carriers and related activities ...... 5.5 0.0 – 5.2 2.1

Professional and business services ..................... 4.6 3.4 – 4.2 3.5

Professional and technical services ................. 6.8 2.7 – 5.6 4.5

Education and health services ............................. 5.3 0.0 – 4.5 2.1

Educational services ........................................ 7.7 0.0 0.0 4.7 6.6

Junior colleges, colleges, and universities ... 5.7 0.0 – 5.7 –

Health care and social assistance ................... 6.1 0.0 – 5.1 2.5

See footnotes at end of table.
Table 53. Standard errors for savings and thrift plans: Eligibility requirements, private

industry workers, National Compensation Survey, 2014—continued

Characteristics

With

minimum age

or service

requirement

Median age

requirement

(in years)

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Not

determinable

1 to 99 workers ........................................................ 3.0 0.0 1.4 2.5 1.3

1 to 49 workers .................................................... 4.2 0.0 1.1 3.6 1.7

50 to 99 workers .................................................. 4.5 2.5 – 3.6 3.0

100 workers or more ................................................ 2.6 0.0 0.0 2.3 1.0

100 to 499 workers .............................................. 3.7 0.0 – 2.8 1.6

500 workers or more ............................................ 3.2 0.0 – 3.3 1.4

Geographic areas

Northeast ................................................................. 2.9 0.0 – 2.9 1.8

New England ....................................................... 7.1 0.0 – 5.2 4.0

Middle Atlantic ..................................................... 3.0 0.0 – 3.2 2.0

South ....................................................................... 3.5 0.0 0.0 2.7 1.6

South Atlantic ....................................................... 4.3 3.5 0.0 3.0 2.3

East South Central ............................................... 4.9 0.0 0.0 4.2 3.6

West South Central .............................................. 7.5 0.0 – 6.3 2.3

Midwest .................................................................... 3.2 0.2 – 2.5 1.7

East North Central ............................................... 4.0 0.9 – 3.0 2.3

West North Central .............................................. 4.8 0.0 – 4.2 2.1

West ......................................................................... 4.4 3.0 – 3.8 1.7

Mountain .............................................................. 8.2 1.2 – 5.1 4.5

Pacific .................................................................. 5.0 4.1 – 4.8 1.3

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 54. Savings and thrift plans: Vesting requirements, private industry

workers, National Compensation Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

Worker characteristics

All workers ............................................................... 27 28 36 9

Management, professional, and related .................. 26 31 33 9

Management, business, and financial ................. 27 28 39 6

Professional and related ...................................... 26 34 29 11

Service ..................................................................... 19 29 40 12

Sales and office ....................................................... 31 22 38 9

Sales and related ................................................. 34 23 34 8

Office and administrative support ........................ 29 22 40 9

Natural resources, construction, and maintenance 28 31 31 10

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 60 15

Installation, maintenance, and repair ................... 34 37 21 7

Production, transportation, and material moving ..... 26 26 40 8

Production ............................................................ 28 25 41 6

Transportation and material moving .................... 23 27 40 10

Full time ................................................................... 27 27 37 9

Part time .................................................................. 28 30 31 12

Union ....................................................................... 28 30 30 11

Nonunion ................................................................. 27 27 36 9

Average wage within the following categories1:

Lowest 25 percent ............................................... 29 24 40 7

Lowest 10 percent ........................................... 14 – 55 –

Second 25 percent ............................................... 27 26 39 9

Third 25 percent ................................................... 25 28 36 10

Highest 25 percent ............................................... 28 29 34 9

Highest 10 percent ........................................... 31 30 32 8

Establishment characteristics

Goods-producing industries ..................................... 29 30 33 8

Construction ......................................................... 31 – 40 –

Manufacturing ...................................................... 27 32 34 7

Service-providing industries ..................................... 27 27 37 10

Trade, transportation, and utilities ....................... 30 25 39 6

Wholesale trade ............................................... – 24 50 –

Retail trade ...................................................... 38 24 31 7

Transportation and warehousing ..................... 24 29 44 3

Utilities ............................................................. 56 – – 10

Information ........................................................... 29 – 32 –

Financial activities ................................................ 35 23 34 8

Finance and insurance .................................... 38 25 31 5

Credit intermediation and related activities .. 42 26 24 8

Insurance carriers and related activities ...... 26 21 49 4

Professional and business services ..................... 23 28 37 12

Professional and technical services ................. – 34 33 –

Education and health services ............................. 22 29 36 13

Educational services ........................................ 62 – – 18

Junior colleges, colleges, and universities ... 56 – – 18

Health care and social assistance ................... 15 32 40 13

See footnotes at end of table.
Table 54. Savings and thrift plans: Vesting requirements, private industry

workers, National Compensation Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

1 to 99 workers ........................................................ 25 27 39 9

1 to 49 workers .................................................... 26 23 44 8

50 to 99 workers .................................................. 22 36 30 12

100 workers or more ................................................ 28 28 34 9

100 to 499 workers .............................................. 26 28 39 7

500 workers or more ............................................ 31 29 27 12

Geographic areas

Northeast ................................................................. 26 18 43 13

Middle Atlantic ..................................................... 30 19 42 9

South ....................................................................... 27 36 31 6

South Atlantic ....................................................... 25 41 30 5

East South Central ............................................... 24 24 45 7

West South Central .............................................. 33 34 26 7

Midwest .................................................................... 25 25 41 9

East North Central ............................................... 23 24 42 11

West North Central .............................................. 28 28 38 6

West ......................................................................... 30 25 33 12

Mountain .............................................................. 25 – 41 –

Pacific .................................................................. 33 27 29 11

1 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 2014."

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data

do 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/glossary20142015.htm.
Table 54. Standard errors for savings and thrift plans: Vesting requirements,

private industry workers, National Compensation Survey, 2014

Characteristics Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

Worker characteristics

All workers ............................................................... 1.9 1.8 2.1 1.0

Management, professional, and related .................. 2.5 3.3 3.3 1.5

Management, business, and financial ................. 3.4 4.8 4.8 1.2

Professional and related ...................................... 2.9 3.6 3.5 2.1

Service ..................................................................... 4.3 4.9 4.3 3.1

Sales and office ....................................................... 2.0 2.0 2.5 1.3

Sales and related ................................................. 3.7 2.7 4.0 2.3

Office and administrative support ........................ 2.3 2.4 3.2 1.4

Natural resources, construction, and maintenance 4.4 5.6 4.4 2.1

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 9.7 4.5

Installation, maintenance, and repair ................... 5.6 7.2 3.3 2.2

Production, transportation, and material moving ..... 4.4 3.3 4.5 1.5

Production ............................................................ 4.7 4.1 4.4 1.6

Transportation and material moving .................... 5.0 5.0 6.8 2.8

Full time ................................................................... 1.9 2.0 2.0 1.0

Part time .................................................................. 4.1 2.9 4.6 1.9

Union ....................................................................... 4.2 6.6 5.9 3.4

Nonunion ................................................................. 1.9 1.8 2.1 1.0

Average wage within the following categories1:

Lowest 25 percent ............................................... 4.4 3.9 4.2 1.8

Lowest 10 percent ........................................... 4.1 – 8.9 –

Second 25 percent ............................................... 2.9 2.6 3.8 1.2

Third 25 percent ................................................... 2.4 2.4 2.9 1.3

Highest 25 percent ............................................... 3.0 3.2 2.9 1.5

Highest 10 percent ........................................... 4.1 4.5 4.1 1.9

Establishment characteristics

Goods-producing industries ..................................... 3.5 3.8 3.1 1.7

Construction ......................................................... 8.9 – 6.9 –

Manufacturing ...................................................... 3.7 4.5 3.6 1.9

Service-providing industries ..................................... 2.1 2.0 2.5 1.1

Trade, transportation, and utilities ....................... 3.8 2.6 4.2 0.9

Wholesale trade ............................................... – 4.0 5.3 –

Retail trade ...................................................... 4.0 2.7 3.7 2.0

Transportation and warehousing ..................... 6.7 7.3 9.3 2.1

Utilities ............................................................. 10.9 – – 3.7

Information ........................................................... 4.9 – 5.5 –

Financial activities ................................................ 3.4 3.3 4.1 1.7

Finance and insurance .................................... 3.5 3.5 3.8 1.4

Credit intermediation and related activities .. 4.4 4.3 5.5 2.2

Insurance carriers and related activities ...... 5.0 4.7 5.8 1.9

Professional and business services ..................... 4.5 6.6 6.4 3.5

Professional and technical services ................. – 8.4 6.9 –

Education and health services ............................. 3.3 4.4 7.2 2.9

Educational services ........................................ 7.7 – – 6.8

Junior colleges, colleges, and universities ... 8.4 – – 8.2

Health care and social assistance ................... 2.4 5.2 7.7 3.2

See footnotes at end of table.
Table 54. Standard errors for savings and thrift plans: Vesting requirements,

private industry workers, National Compensation Survey, 2014—continued

Characteristics Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

1 to 99 workers ........................................................ 2.2 2.4 2.6 1.7

1 to 49 workers .................................................... 2.7 2.9 3.6 1.6

50 to 99 workers .................................................. 3.4 5.3 4.8 3.9

100 workers or more ................................................ 2.3 2.4 2.4 1.2

100 to 499 workers .............................................. 2.8 3.5 3.6 1.3

500 workers or more ............................................ 3.2 3.6 3.0 2.1

Geographic areas

Northeast ................................................................. 4.9 3.6 6.8 2.2

Middle Atlantic ..................................................... 6.4 4.2 8.2 2.7

South ....................................................................... 2.8 2.7 2.1 1.0

South Atlantic ....................................................... 2.0 3.3 1.9 1.0

East South Central ............................................... 3.1 4.4 9.8 3.6

West South Central .............................................. 7.4 5.7 3.1 2.1

Midwest .................................................................... 4.8 3.1 4.2 2.3

East North Central ............................................... 6.2 4.2 4.1 3.2

West North Central .............................................. 7.7 3.8 9.3 2.8

West ......................................................................... 2.4 5.2 3.4 2.8

Mountain .............................................................. 4.7 – 7.9 –

Pacific .................................................................. 2.5 6.9 2.8 3.6

1 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 55. Savings and thrift plans: Investment choices for employee funds, private industry workers, National Compensation

Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Investment

choice

available

Available investments

No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other1

Investment

choice exists

but not

determinable

Worker characteristics

All workers ............................................................... 88 28 66 79 63 21 9 – –

Management, professional, and related .................. 88 31 68 79 66 19 9 – –

Management, business, and financial ................. 86 35 69 80 66 21 6 – –

Professional and related ...................................... 90 28 67 79 66 17 11 – 10

Service ..................................................................... 82 – 60 77 49 12 4 – 18

Sales and office ....................................................... 88 28 65 80 66 24 7 – –

Sales and related ................................................. 90 31 62 83 72 24 6 – 10

Office and administrative support ........................ 87 26 66 78 63 24 8 – –

Natural resources, construction, and maintenance 83 30 60 72 56 24 10 – –

Installation, maintenance, and repair ................... 85 38 68 76 59 27 9 – –

Production, transportation, and material moving ..... 93 31 70 82 58 21 11 – –

Production ............................................................ 92 29 65 79 52 17 13 – –

Transportation and material moving .................... 93 33 76 85 66 27 8 – –

Full time ................................................................... 88 29 67 79 63 21 9 – –

Part time .................................................................. 89 23 57 79 64 13 9 – 11

Union ....................................................................... 90 34 68 82 62 29 8 – 10

Nonunion ................................................................. 88 28 66 79 63 20 9 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 89 23 66 83 66 15 7 – –

Lowest 10 percent ........................................... 81 20 64 73 52 – 8 – 19

Second 25 percent ............................................... 85 22 58 75 57 23 9 – –

Third 25 percent ................................................... 89 24 69 80 63 19 9 – –

Highest 25 percent ............................................... 89 37 69 80 66 22 9 – –

Highest 10 percent ........................................... 91 39 73 82 70 21 9 – 9

Establishment characteristics

Goods-producing industries ..................................... 89 36 67 77 59 24 11 – –

Construction ......................................................... 87 – 66 71 57 – 15 – 13

Manufacturing ...................................................... 89 39 68 78 57 22 11 – –

Service-providing industries ..................................... 88 27 66 80 64 20 8 – –

Trade, transportation, and utilities ....................... 92 29 67 85 70 22 6 – –

Wholesale trade ............................................... 91 14 67 82 61 15 9 – –

Retail trade ...................................................... 90 33 59 84 75 19 4 – –

Transportation and warehousing ..................... 100 40 85 92 72 39 7 – 3 ( )

Information ........................................................... 89 48 75 82 65 29 7 – 11

Financial activities ................................................ – 40 80 87 75 27 9 – –

Finance and insurance .................................... 96 44 82 88 77 30 7 – 4

Credit intermediation and related activities .. 94 46 84 87 72 29 6 – 6

Insurance carriers and related activities ...... 99 31 79 90 79 35 9 – 1

Professional and business services ..................... 93 39 71 85 70 16 8 – 7

Professional and technical services ................. 91 39 71 85 70 –6–9

Education and health services:

Educational services ...................................... 85 – 72 75 60 32 9 – 15

Junior colleges, colleges, and universities ... 98 – 86 90 59 34 7 – 2

See footnotes at end of table.
Table 55. Savings and thrift plans: Investment choices for employee funds, private industry workers, National Compensation

Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Investment

choice

available

Available investments

No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other1

Investment

choice exists

but not

determinable

1 to 99 workers ........................................................ 87 20 64 74 58 20 12 – –

1 to 49 workers .................................................... 86 18 62 72 55 23 13 – –

50 to 99 workers .................................................. 89 23 70 78 67 14 11 – –

100 workers or more ................................................ 89 34 67 82 66 21 6 – –

100 to 499 workers .............................................. 89 31 63 81 63 22 8 – –

500 workers or more ............................................ 89 36 72 84 69 19 4 – –

Geographic areas

Northeast ................................................................. 83 19 57 71 55 21 12 – –

New England ....................................................... 88 – 57 69 59 31 19 – –

Middle Atlantic ..................................................... 81 22 57 72 54 18 9 – –

South ....................................................................... 91 31 71 83 72 21 8 – –

South Atlantic ....................................................... 93 35 76 84 73 20 8 – –

East South Central ............................................... 91 20 78 81 71 25 8 – 9

West South Central .............................................. 90 29 61 82 71 20 8 – 10

Midwest .................................................................... 86 32 60 77 49 19 9 – –

East North Central ............................................... 89 32 61 78 43 22 11 – –

West North Central .............................................. 80 33 60 76 61 13 4 – –

West ......................................................................... 90 30 74 84 71 21 6 – –

Mountain .............................................................. 87 19 68 78 65 31 9 – –

Pacific .................................................................. 91 35 77 86 74 17 5 – 9

1 Includes investment vehicles not separately estimated (e.g., U.S. government securities, guaranteed investment contracts, money market funds, and certificates of deposit). 2 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 2014." 3 Less than 0.5.

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 55. Standard errors for savings and thrift plans: Investment choices for employee funds, private industry workers, National

Compensation Survey, 2014

Characteristics

Investment

choice

available

Available investments

No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other1

Investment

choice exists

but not

determinable

Worker characteristics

All workers ............................................................... 1.5 2.2 2.3 1.9 1.8 1.6 1.2 – –

Management, professional, and related .................. 2.2 3.6 3.2 3.0 3.0 2.2 2.1 – –

Management, business, and financial ................. 4.3 4.5 4.7 4.4 4.4 3.0 1.3 – –

Professional and related ...................................... 2.0 3.8 3.8 3.2 3.4 2.5 3.3 – 2.0

Service ..................................................................... 5.1 – 5.4 5.1 4.9 3.3 1.7 – 5.1

Sales and office ....................................................... 2.0 1.9 2.9 2.6 2.9 2.6 1.4 – –

Sales and related ................................................. 2.7 2.8 3.7 3.2 3.7 2.6 1.5 – 2.7

Office and administrative support ........................ 2.6 2.2 3.4 3.0 3.2 3.3 1.9 – –

Natural resources, construction, and maintenance 3.3 4.1 3.8 3.6 3.4 4.4 2.1 – –

Installation, maintenance, and repair ................... 3.3 4.5 3.7 3.6 3.5 5.3 2.6 – –

Production, transportation, and material moving ..... 1.3 4.2 4.2 2.9 3.1 3.6 2.5 – –

Production ............................................................ 1.7 3.9 5.2 4.1 5.2 2.9 3.5 – –

Transportation and material moving .................... 1.7 5.8 4.6 3.3 4.2 6.1 2.8 – –

Full time ................................................................... 1.6 2.3 2.3 2.0 1.8 1.7 1.2 – –

Part time .................................................................. 2.2 3.0 4.2 3.0 4.0 2.2 2.9 – 2.2

Union ....................................................................... 2.6 4.6 4.9 3.3 6.2 4.5 2.9 – 2.6

Nonunion ................................................................. 1.6 2.3 2.4 2.0 1.9 1.6 1.3 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 3.5 2.9 4.2 3.8 4.8 2.4 1.7 – –

Lowest 10 percent ........................................... 11.5 4.9 9.1 11.1 11.8 – 3.8 – 11.5

Second 25 percent ............................................... 2.5 3.2 3.7 3.2 2.7 3.2 2.3 – –

Third 25 percent ................................................... 1.9 2.5 2.6 2.1 2.2 2.0 1.3 – –

Highest 25 percent ............................................... 1.6 3.5 2.9 2.5 2.7 2.5 2.1 – –

Highest 10 percent ........................................... 1.9 4.8 3.5 2.4 2.7 3.6 2.3 – 1.9

Establishment characteristics

Goods-producing industries ..................................... 2.0 3.9 3.5 2.6 4.0 3.7 2.2 – –

Construction ......................................................... 4.5 – 8.0 7.6 7.5 – 4.4 – 4.5

Manufacturing ...................................................... 2.2 3.6 3.7 2.6 5.1 3.5 2.4 – –

Service-providing industries ..................................... 1.8 2.5 2.6 2.3 2.1 1.8 1.4 – –

Trade, transportation, and utilities ....................... 1.2 3.2 3.2 2.2 3.1 3.6 1.4 – –

Wholesale trade ............................................... 2.4 3.3 5.8 4.5 5.1 2.7 3.4 – –

Retail trade ...................................................... 2.2 5.1 4.4 3.0 4.0 3.3 1.6 – –

Transportation and warehousing ..................... 0.3 8.8 6.6 4.6 7.2 11.2 4.5 – 0.3

Information ........................................................... 4.3 7.9 8.2 6.2 6.6 5.0 3.7 – 4.3

Financial activities ................................................ – 3.3 2.4 2.5 4.0 3.2 2.3 – –

Finance and insurance .................................... 1.0 3.2 2.4 2.4 3.4 3.3 2.1 – 1.0

Credit intermediation and related activities .. 1.4 4.8 3.3 2.6 5.4 5.2 1.6 – 1.4

Insurance carriers and related activities ...... 0.5 5.0 4.5 4.3 5.5 4.9 4.3 – 0.5

Professional and business services ..................... 2.8 7.9 6.7 4.1 5.7 4.4 4.0 – 2.8

Professional and technical services ................. 4.0 8.6 7.8 4.6 7.7 – 4.2 – 4.0

Education and health services:

Educational services ...................................... 6.7 – 7.7 7.9 9.6 5.0 5.9 – 6.7

Junior colleges, colleges, and universities ... 2.0 – 5.8 4.7 8.3 5.1 5.5 – 2.0

See footnotes at end of table.
Table 55. Standard errors for savings and thrift plans: Investment choices for employee funds, private industry workers, National

Compensation Survey, 2014—continued

Characteristics

Investment

choice

available

Available investments

No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other1

Investment

choice exists

but not

determinable

1 to 99 workers ........................................................ 1.7 2.1 3.0 2.8 2.7 2.5 2.4 – –

1 to 49 workers .................................................... 2.2 2.7 3.9 3.6 3.3 3.6 3.2 – –

50 to 99 workers .................................................. 3.2 4.2 4.6 3.4 5.0 2.8 2.8 – –

100 workers or more ................................................ 2.2 2.8 2.8 2.3 2.3 2.0 1.1 – –

100 to 499 workers .............................................. 3.4 3.7 3.7 3.6 3.6 2.4 1.8 – –

500 workers or more ............................................ 2.0 3.4 3.2 2.4 2.4 2.8 1.4 – –

Geographic areas

Northeast ................................................................. 5.0 3.2 6.1 6.0 5.4 2.9 3.8 – –

New England ....................................................... 4.2 – 9.8 10.2 8.2 7.1 11.4 – –

Middle Atlantic ..................................................... 6.3 4.2 7.4 7.3 6.5 2.9 3.1 – –

South ....................................................................... 1.8 4.0 2.8 2.8 1.9 3.1 1.9 – –

South Atlantic ....................................................... 2.1 6.3 4.5 4.9 2.4 4.7 3.3 – –

East South Central ............................................... 5.2 4.6 5.5 5.1 5.3 2.8 4.3 – 5.2

West South Central .............................................. 3.5 7.1 4.3 3.5 3.6 5.6 2.2 – 3.5

Midwest .................................................................... 2.8 4.9 5.5 3.0 3.9 3.1 2.0 – –

East North Central ............................................... 2.8 5.9 7.9 3.9 4.6 4.4 2.7 – –

West North Central .............................................. 5.7 9.0 5.3 4.8 6.2 3.2 1.9 – –

West ......................................................................... 2.3 4.9 3.4 3.1 3.1 3.5 1.3 – –

Mountain .............................................................. 5.5 3.3 5.9 7.9 5.8 6.9 3.9 – –

Pacific .................................................................. 2.3 6.9 4.2 2.9 3.7 3.7 0.7 – 2.3

1 Includes investment vehicles not separately estimated (e.g., U.S. government securities, guaranteed investment contracts, money market funds, and certificates of deposit). 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 56. Savings and thrift plans: Investment choices for employer funds, private industry workers, National Compensation

Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Investment

choice

available

Available investments

No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other1

Investment

choice exists

but not

determinable

Worker characteristics

All workers ............................................................... 83 28 64 76 60 20 7 2 15

Management, professional, and related .................. 81 30 66 76 63 19 5 1 17

Management, business, and financial ................. 82 34 67 77 62 21 4 – –

Professional and related ...................................... 81 27 65 75 63 17 6 – –

Sales and office ....................................................... 84 28 63 77 64 23 7 2 14

Sales and related ................................................. 87 34 62 81 70 23 6 – –

Office and administrative support ........................ 83 26 64 75 61 23 7 2 15

Natural resources, construction, and maintenance:

 Installation, maintenance, and repair .................. 84 38 66 75 58 27 9 – –

Production, transportation, and material moving ..... 89 29 68 79 57 21 10 – –

Production ............................................................ 91 29 64 79 52 17 12 – –

Transportation and material moving .................... 88 29 72 79 62 26 8 – –

Full time ................................................................... 84 28 65 76 60 21 7 1 15

Union ....................................................................... 86 35 65 78 58 27 8 – –

Nonunion ................................................................. 83 28 64 76 60 20 6 2 15

Average wage within the following categories2:

Lowest 25 percent ............................................... 85 25 65 78 64 14 6 – –

Second 25 percent ............................................... 82 21 56 73 54 22 9 – –

Third 25 percent ................................................... 84 23 67 77 60 19 7 2 14

Highest 25 percent ............................................... 82 36 67 77 63 22 5 – –

Highest 10 percent ........................................... 86 38 71 79 68 21 6 – –

Establishment characteristics

Goods-producing industries ..................................... 85 35 66 77 57 24 9 – –

Manufacturing ...................................................... 87 39 67 78 57 22 9 – –

Service-providing industries ..................................... 82 26 64 76 61 19 6 2 16

Trade, transportation, and utilities ....................... 88 29 66 82 68 22 5 – –

Wholesale trade ............................................... 87 14 67 81 59 17 6 – –

Retail trade ...................................................... 87 35 59 81 74 18 4 – –

Transportation and warehousing ..................... 94 35 81 87 68 38 7 – 6

Information ........................................................... 87 48 73 80 62 29 7 – 13

Financial activities ................................................ 89 39 75 80 70 27 8 – –

Finance and insurance .................................... 89 42 78 83 73 29 5 – –

Credit intermediation and related activities .. 89 45 82 84 71 29 5 – –

Insurance carriers and related activities ...... 86 28 70 79 69 34 7 – –

Professional and business services ..................... 90 37 69 82 68 16 8 – 10

Professional and technical services ................. 91 37 69 83 70 – 6 – 9

Education and health services:

Educational services ...................................... 84 – 72 75 60 32 8 – –

Junior colleges, colleges, and universities ... 98 – 86 88 59 34 7 – 2

See footnotes at end of table.
Table 56. Savings and thrift plans: Investment choices for employer funds, private industry workers, National Compensation

Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Investment

choice

available

Available investments

No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other1

Investment

choice exists

but not

determinable

1 to 99 workers ........................................................ 80 19 63 72 56 20 8 2 18

1 to 49 workers .................................................... 79 18 60 71 52 23 8 2 19

50 to 99 workers .................................................. 82 23 68 74 65 14 8 – –

100 workers or more ................................................ 85 33 65 79 63 20 6 1 14

100 to 499 workers .............................................. 84 30 61 76 60 21 7 – –

500 workers or more ............................................ 86 36 71 82 67 18 4 – –

Geographic areas

South ....................................................................... 89 31 70 81 70 20 7 – –

South Atlantic ....................................................... 92 35 76 85 72 20 7 – –

East South Central ............................................... 88 21 75 80 69 25 7 – –

West South Central .............................................. 84 29 60 77 67 19 7 – –

Midwest .................................................................... 80 31 56 72 45 19 8 3 17

East North Central ............................................... 85 31 58 74 42 23 10 – –

West ......................................................................... 86 29 72 80 68 21 5 – –

Mountain .............................................................. 85 18 66 76 63 31 8 – –

Pacific .................................................................. 86 34 74 82 70 17 3 – –

1 Includes investment vehicles not separately estimated (e.g., U.S. government securities, guaranteed investment contracts, money market funds, and certificates of deposit). 2 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 2014."
Table 56. Standard errors for savings and thrift plans: Investment choices for employer funds, private industry workers,

National Compensation Survey, 2014

Characteristics

Investment

choice

available

Available investments

No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other1

Investment

choice exists

but not

determinable

Worker characteristics

All workers ............................................................... 1.9 2.3 2.3 2.0 1.9 1.6 0.9 0.3 1.9

Management, professional, and related .................. 3.1 3.6 3.3 3.1 3.0 2.2 1.4 0.4 3.1

Management, business, and financial ................. 4.3 4.5 4.7 4.4 4.3 3.0 1.2 – –

Professional and related ...................................... 3.7 3.9 3.9 3.5 3.6 2.5 2.0 – –

Sales and office ....................................................... 2.0 2.0 3.0 2.6 3.0 2.5 1.4 0.4 2.0

Sales and related ................................................. 2.8 3.0 3.7 3.3 3.7 2.6 1.5 – –

Office and administrative support ........................ 2.8 2.2 3.5 3.1 3.3 3.2 1.9 0.6 2.8

Natural resources, construction, and maintenance:

 Installation, maintenance, and repair .................. 3.4 4.5 3.8 3.7 3.6 5.3 2.6 – –

Production, transportation, and material moving ..... 1.9 4.3 3.7 2.8 3.3 3.0 2.4 – –

Production ............................................................ 1.9 3.8 4.9 4.1 5.2 2.9 3.3 – –

Transportation and material moving .................... 3.4 6.3 4.3 3.6 5.7 4.6 2.8 – –

Full time ................................................................... 1.9 2.4 2.4 2.0 1.9 1.7 1.0 0.3 1.9

Union ....................................................................... 3.4 4.6 5.1 4.1 6.2 4.2 2.9 – –

Nonunion ................................................................. 2.0 2.4 2.5 2.1 2.1 1.5 1.0 0.3 2.0

Average wage within the following categories2:

Lowest 25 percent ............................................... 4.4 3.0 4.1 4.7 5.1 2.3 1.7 – –

Second 25 percent ............................................... 2.7 3.1 3.5 3.2 2.8 2.9 2.2 – –

Third 25 percent ................................................... 2.2 2.5 2.7 2.3 2.3 2.1 1.2 0.5 2.3

Highest 25 percent ............................................... 2.5 3.6 3.1 2.6 2.7 2.5 1.3 – –

Highest 10 percent ........................................... 2.4 4.8 3.6 2.5 2.8 3.6 1.9 – –

Establishment characteristics

Goods-producing industries ..................................... 2.1 3.8 3.3 2.6 4.0 3.7 1.9 – –

Manufacturing ...................................................... 2.2 3.5 3.5 2.5 5.1 3.5 2.0 – –

Service-providing industries ..................................... 2.4 2.6 2.7 2.4 2.2 1.7 1.1 0.3 2.4

Trade, transportation, and utilities ....................... 1.6 3.3 3.0 2.3 3.3 3.4 1.3 – –

Wholesale trade ............................................... 3.5 3.3 5.8 4.7 4.9 2.9 2.5 – –

Retail trade ...................................................... 2.8 5.3 4.3 3.4 4.3 3.2 1.6 – –

Transportation and warehousing ..................... 3.5 8.8 7.2 5.8 7.6 11.2 4.5 – 3.5

Information ........................................................... 4.4 7.9 8.2 6.3 6.5 5.0 3.7 – 4.4

Financial activities ................................................ 2.0 3.3 2.3 2.2 3.8 3.3 2.4 – –

Finance and insurance .................................... 2.0 3.3 2.4 2.3 3.3 3.4 2.1 – –

Credit intermediation and related activities .. 2.3 4.9 3.5 3.0 5.5 5.1 1.4 – –

Insurance carriers and related activities ...... 4.1 4.9 4.0 4.0 5.2 5.0 4.4 – –

Professional and business services ..................... 3.6 8.3 7.3 5.2 6.2 4.4 4.0 – 3.6

Professional and technical services ................. 4.0 9.0 8.9 5.6 7.7 – 4.2 – 4.0

Education and health services:

Educational services ...................................... 6.7 – 7.7 7.9 9.6 5.0 5.6 – –

Junior colleges, colleges, and universities ... 2.0 – 5.8 4.7 8.3 5.1 5.5 – 2.0

See footnotes at end of table.
Table 56. Standard errors for savings and thrift plans: Investment choices for employer funds, private industry workers,

National Compensation Survey, 2014—continued

Characteristics

Investment

choice

available

Available investments

No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other1

Investment

choice exists

but not

determinable

1 to 99 workers ........................................................ 2.5 2.2 2.9 2.8 2.8 2.3 1.6 0.4 2.5

1 to 49 workers .................................................... 3.2 2.8 3.7 3.6 3.4 3.2 2.1 0.6 3.2

50 to 99 workers .................................................. 4.1 4.3 5.1 4.1 5.4 2.7 2.2 – –

100 workers or more ................................................ 2.4 2.8 2.9 2.5 2.4 1.9 1.0 0.4 2.4

100 to 499 workers .............................................. 3.7 3.7 4.0 3.8 3.8 2.4 1.6 – –

500 workers or more ............................................ 2.1 3.4 3.1 2.3 2.4 2.9 1.3 – –

Geographic areas

South ....................................................................... 2.3 4.0 2.7 2.8 2.2 3.0 1.7 – –

South Atlantic ....................................................... 2.1 6.4 4.3 4.2 2.4 4.6 2.9 – –

East South Central ............................................... 5.8 5.1 5.2 5.3 5.3 3.1 3.7 – –

West South Central .............................................. 5.5 7.2 4.3 5.3 5.1 5.5 2.0 – –

Midwest .................................................................... 3.5 5.6 5.9 3.5 4.4 2.6 1.9 0.8 3.4

East North Central ............................................... 3.0 6.7 8.1 3.8 4.7 3.8 2.6 – –

West ......................................................................... 3.3 4.9 3.6 3.6 3.5 3.5 1.3 – –

Mountain .............................................................. 6.4 3.2 6.0 8.1 5.8 6.9 3.8 – –

Pacific .................................................................. 3.8 6.9 4.5 3.8 4.3 3.7 0.8 – –

1 Includes investment vehicles not separately estimated (e.g., U.S. government securities, guaranteed investment contracts, money market funds, and certificates of deposit). 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 57. Savings and thrift plans: Method of distribution of retirement benefits,

private industry workers, National Compensation Survey, 2014

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Method of distribution1

Lump sum Installments Other2 Not

determinable

Worker characteristics

All workers ............................................................... 87 41 11 12

Management, professional, and related .................. 86 45 9 13

Management, business, and financial ................. 86 46 12 13

Professional and related ...................................... 87 45 6 13

Service ..................................................................... 83 38 4 16

Sales and office ....................................................... 89 37 18 11

Sales and related ................................................. 91 31 28 9

Office and administrative support ........................ 88 40 13 11

Natural resources, construction, and maintenance 81 42 12 17

Installation, maintenance, and repair ................... 89 49 15 10

Production, transportation, and material moving ..... 90 35 5 9

Production ............................................................ 89 36 – 10

Transportation and material moving .................... 92 34 – 8

Full time ................................................................... 86 41 10 13

Part time .................................................................. 95 34 20 5

Union ....................................................................... 88 54 11 9

Nonunion ................................................................. 87 40 11 12

Average wage within the following categories3:

Lowest 25 percent ............................................... 90 35 19 10

Lowest 10 percent ........................................... 86 41 10 14

Second 25 percent ............................................... 89 33 13 11

Third 25 percent ................................................... 85 38 7 14

Highest 25 percent ............................................... 87 48 10 12

Highest 10 percent ........................................... 87 47 12 13

Establishment characteristics

Goods-producing industries ..................................... 83 37 – 15

Construction ......................................................... 73 20 – 17

Manufacturing ...................................................... 84 38 – 15

Service-providing industries ..................................... 88 42 12 11

Trade, transportation, and utilities ....................... 91 35 19 9

Wholesale trade ............................................... 87 40 – 13

Retail trade ...................................................... 94 28 35 6

Transportation and warehousing ..................... 91 40 – 9

Utilities ............................................................. 90 49 – 10

Information ........................................................... 87 63 – 13

Financial activities ................................................ 93 56 23 7

Finance and insurance .................................... 93 60 25 7

Credit intermediation and related activities .. 91 62 31 9

Insurance carriers and related activities ...... 94 53 – 6

Professional and business services ..................... 88 38 – 12

Professional and technical services ................. 87 37 – 13

Education and health services ............................. 85 41 – 14

Educational services ........................................ 96 44 – 2

Junior colleges, colleges, and universities ... 89 68 – 4

Health care and social assistance ................... 83 41 – 15

See footnotes at end of table.
Table 57. Savings and thrift plans: Method of distribution of retirement benefits,

private industry workers, National Compensation Survey, 2014—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Method of distribution1

Lump sum Installments Other2 Not

determinable

1 to 99 workers ........................................................ 84 37 8 15

1 to 49 workers .................................................... 84 41 8 14

50 to 99 workers .................................................. 83 28 – 16

100 workers or more ................................................ 89 42 12 10

100 to 499 workers .............................................. 91 39 15 8

500 workers or more ............................................ 87 46 7 13

Geographic areas

Northeast ................................................................. 86 52 8 13

New England ....................................................... 86 55 – 14

Middle Atlantic ..................................................... 86 51 7 13

South ....................................................................... 87 37 14 12

South Atlantic ....................................................... 87 41 15 12

East South Central ............................................... 90 34 10 9

West South Central .............................................. 86 32 13 14

Midwest .................................................................... 86 36 7 14

East North Central ............................................... 86 36 – 14

West North Central .............................................. 87 36 – 12

West ......................................................................... 90 40 13 9

Mountain .............................................................. 85 37 12 11

Pacific .................................................................. 92 42 13 7

1 Sum of individual items may be greater than total because multiple methods of distribution are available to some employees 2 Includes methods of distribution not calculated separately (e.g., employer stock). 3 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Table 57. Standard errors for savings and thrift plans: Method of distribution of

retirement benefits, private industry workers, National Compensation Survey,

2014

Characteristics

Method of distribution

Lump sum Installments Other1 Not

determinable

Worker characteristics

All workers ............................................................... 1.4 2.1 1.0 1.3

Management, professional, and related .................. 2.2 3.6 1.4 2.1

Management, business, and financial ................. 3.1 4.6 2.0 3.0

Professional and related ...................................... 2.1 3.9 1.3 2.0

Service ..................................................................... 4.6 4.3 1.2 4.5

Sales and office ....................................................... 1.9 2.5 1.6 1.9

Sales and related ................................................. 2.5 3.4 3.3 2.5

Office and administrative support ........................ 2.2 3.3 1.2 2.2

Natural resources, construction, and maintenance 3.3 4.3 2.9 3.4

Installation, maintenance, and repair ................... 3.1 4.8 3.8 3.0

Production, transportation, and material moving ..... 2.0 3.2 1.3 2.0

Production ............................................................ 3.0 3.6 – 2.9

Transportation and material moving .................... 2.9 5.3 – 2.9

Full time ................................................................... 1.5 2.2 0.9 1.5

Part time .................................................................. 1.6 4.5 2.8 1.6

Union ....................................................................... 4.9 5.6 2.6 4.6

Nonunion ................................................................. 1.3 2.1 1.0 1.3

Average wage within the following categories2:

Lowest 25 percent ............................................... 2.9 3.4 2.8 2.9

Lowest 10 percent ........................................... 10.2 10.3 2.1 10.2

Second 25 percent ............................................... 2.1 2.4 1.5 2.1

Third 25 percent ................................................... 1.8 2.6 1.1 1.7

Highest 25 percent ............................................... 2.3 3.2 1.5 2.2

Highest 10 percent ........................................... 3.2 4.4 2.3 3.2

Establishment characteristics

Goods-producing industries ..................................... 2.1 2.9 – 1.9

Construction ......................................................... 7.4 5.0 – 4.4

Manufacturing ...................................................... 2.3 2.9 – 2.4

Service-providing industries ..................................... 1.6 2.5 1.2 1.6

Trade, transportation, and utilities ....................... 1.6 2.8 2.6 1.6

Wholesale trade ............................................... 4.3 4.8 – 4.3

Retail trade ...................................................... 1.7 3.5 4.4 1.7

Transportation and warehousing ..................... 5.1 8.8 – 5.1

Utilities ............................................................. 3.1 9.8 – 3.1

Information ........................................................... 4.4 8.3 – 4.4

Financial activities ................................................ 1.6 3.7 2.7 1.5

Finance and insurance .................................... 1.9 3.4 2.8 1.9

Credit intermediation and related activities .. 2.5 4.1 3.4 2.4

Insurance carriers and related activities ...... 2.1 4.1 – 2.1

Professional and business services ..................... 4.7 6.5 – 4.7

Professional and technical services ................. 6.7 7.0 – 6.7

Education and health services ............................. 3.2 7.4 – 2.7

Educational services ........................................ 2.4 5.7 – 1.0

Junior colleges, colleges, and universities ... 4.1 8.6 – 2.0

Health care and social assistance ................... 4.0 8.5 – 3.4

See footnotes at end of table.
Table 57. Standard errors for savings and thrift plans: Method of distribution of

retirement benefits, private industry workers, National Compensation Survey,

2014—continued

Characteristics

Method of distribution

Lump sum Installments Other1 Not

determinable

1 to 99 workers ........................................................ 2.1 2.9 1.3 2.0

1 to 49 workers .................................................... 2.6 3.5 1.6 2.5

50 to 99 workers .................................................. 3.8 4.0 – 3.7

100 workers or more ................................................ 1.5 2.5 1.2 1.5

100 to 499 workers .............................................. 1.8 3.1 1.7 1.8

500 workers or more ............................................ 1.9 3.5 1.6 1.9

Geographic areas

Northeast ................................................................. 4.2 6.2 1.9 4.0

New England ....................................................... 4.7 8.7 – 4.7

Middle Atlantic ..................................................... 5.2 7.4 1.5 4.9

South ....................................................................... 2.0 2.9 1.6 2.0

South Atlantic ....................................................... 2.8 4.6 2.5 2.9

East South Central ............................................... 1.0 6.1 1.4 1.3

West South Central .............................................. 3.9 3.9 2.9 3.9

Midwest .................................................................... 2.5 3.6 1.6 2.5

East North Central ............................................... 2.9 4.2 – 2.9

West North Central .............................................. 4.6 6.6 – 4.5

West ......................................................................... 2.8 4.5 2.8 2.5

Mountain .............................................................. 6.9 8.8 3.6 5.8

Pacific .................................................................. 2.5 5.1 3.7 2.5

1 Includes methods of distribution not calculated separately (e.g., employer stock). 2 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 2014."

Note: Dashes indicate that no data were reported or that data do 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/glossary20142015.htm.
Technical Note

Data in this bulletin are from the National Compensation Survey (NCS), conducted by the U.S. 

Department of Labor, Bureau of Labor Statistics (BLS). The bulletin contains 2014 data on detailed 

provisions of employer-provided health and retirement benefit plans offered to private industry workers in 

the United States. Excluded are federal government workers, the military, state and local government 

workers, agricultural workers, private household workers, and the self-employed. Previous publications 

containing information on employee benefits for private industry and state and local government workers 

are available on the BLS website. 

For information on the survey scope, sample design, data collection, survey estimation, reliability of 

estimates, technical references, and survey definitions are available in Chapter 8 of the BLS Handbook of 

Methods. Definitions of major plans, key provisions, and related benefit terms used by the National 

Compensation Survey are provided in the Glossary of Employee Benefit Terms. For information on survey 

establishment response and on the number of workers represented by the survey, see Appendix tables 1 

and 2, respectively. 

• Appendix Table 1 (TXT) (PDF)

• Appendix Table 2 (TXT) (PDF)

Calculation details

For data presented by wage category, average hourly earnings from sampled occupations within an 

establishment were used to produce estimates for worker groups within six earnings categories: the 

lowest 10 percent, the lowest 25 percent, the second 25 percent, the third 25 percent, the highest 25 

percent, and the highest 10 percent. The categories are based on March 2014 wages and salaries from 

the Employer Costs for Employee Compensation. 

The percentiles were computed using earnings reported for individual workers in sampled establishment 

jobs and their scheduled hours of work. Establishments in the survey are asked to report only individual 

worker earnings for each sample job. For the calculation of the hourly percentile values, the individual 

worker hourly earnings are weighted and arrayed from lowest to highest. The values corresponding to 

the percentiles are as follows:
Characteristic

Hourly wage percentile

10 25 50 (median) 75 90

Private industry workers $8.65 $11.15 $16.82 $26.67 $41.46

The lowest 10-percent and 25-percent wage categories include those occupations with an average hourly 

wage less than the 10th percentile and 25th percentile value, respectively. The second 25-percent 

category includes those occupations that earn at or above the 25th percentile value but less than the 

50th percentile value. The third 25-percent category includes those occupations that earn at or above the 

50th percentile value but less than the 75th percentile value. Finally, the highest 25- and 10-percent 

wage categories include those occupations with an average wage value greater than or equal to the 75th 

and 90th percentile value, respectively.

(Note: Individual workers can fall into an earnings category different from the average for the occupation 

into which they are classified because average hourly earnings for the occupation are used to produce 

the benefit estimates.)

Not determinable estimates

Some tables in this bulletin contain columns with estimates classified as "not determinable." Situations 

that result in this classification can vary. In detailed provisions of employer-provided health care plans, 

the "not determinable" classification is used whenever no information on a particular plan feature is 

available from the Summary Plan Description (SPD). The SPD is used as a primary source of information 

on the provisions of a health benefit plan. For example, in table 1, workers are classified as participating 

in four types of fee-for-service plans. Workers that were known to participate in a fee-for-service plan,

but the plan type was either not specified or was specified but did not fit into any of the four categories 

used in the table, were classified into the "not determinable" category.

Another situation in which the "not determinable" classification may be used is when workers participate 

in plans in which a provision is known to exist, but no information on the specific details of this provision 

is available from the SPD. For example, in one of the tables, all workers participate in fee-for-service 

plans. The majority of the workers included in this table participated in plans that specified a deductible, 

but a small percentage of workers participated in plans in which the deductible was mentioned but not 

described. These workers were classified into the "not determinable" category.
Interpreting the tables

All estimates shown in the table are based on the set of workers specified underneath the table title and 

on any subsets indicated by column headers. For example, the statement may indicate that “All workers 

participating in medical care plans = 100 percent,” or “Includes all workers participating in savings and 

thrift plans that specify matching contributions.” 

Most of the estimates in this bulletin are expressed in terms of the percentage of workers participating in 

a particular benefit plan or the percentage covered by a specific provision. Some estimates, however, 

provide values other than percentages of workers, such as the median age requirement for eligibility to 

participate in a defined benefit retirement plan; dollar averages, medians, and percentiles for various 

benefit provisions; and the specified matching percent (by percentile) an employer will contribute to an 

employees’ savings and thrift retirement plan. The non-shaded estimates indicate percentages of 

workers. Shaded estimates measure values other than the percent of workers.
Appendix table 1. Survey establishment response, private

industry, National Compensation Survey, 2014

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 5,824,944

 Total in sample .................................................................... 3,351

 Responding2 ...................................................................... 2,424

 Refused3 ............................................................................ 670

 Out of business or not in survey scope .............................. 257

1 The list of establishments from which the survey sample was selected (sampling

frame) was developed from State unemployment insurance reports and is based on the 2012

North American Industry Classification System (NAICS). For private industries, an

establishment is usually a single physical location. 2 Establishments that provided data at the initial interview. 3 Establishments that did not provide data at the initial interview. Data for establishments

not responding at the time of update interviews are imputed. Detailed information on

nonresponse adjustment and imputation can be found in BLS Handbook of Methods,

Chapter 8, “National Compensation Measures,” Bureau of Labor Statistics, on the Internet at

www.bls.gov/opub/hom/pdf/homch8.pdf.
Appendix table 2. Number of workers represented, private

industry, National Compensation Survey, 2014

Occupational group1 Estimated number

of workers2

All workers ............................................................................. 108,766,700

Management, professional, and related ............................ 30,282,600

Management, business, and financial ........................... 10,772,800

Professional and related ................................................ 19,509,800

Service ............................................................................... 21,920,900

Protective service .......................................................... 948,400

Sales and office ................................................................. 28,853,200

Sales and related ........................................................... 11,805,600

Office and administrative support .................................. 17,047,600

Natural resources, construction, and maintenance ........... 9,462,800

Construction, extraction, farming, fishing, and forestry .. 3,964,800

Installation, maintenance, and repair ............................. 5,498,000

Production, transportation, and material moving ............... 18,247,200

Production ...................................................................... 8,969,100

Transportation and material moving .............................. 9,278,100

1 The 2010 Standard Occupational Classification system is used to classify workers. 2 The number of workers represented by the survey are rounded to the nearest 100.

Estimates of the number of workers provide a description of the size and composition of the

labor force included in the survey. Estimates are not intended, however, for comparison to

other statistical series to measure employment trends or levels.