National Compensation Survey: 

Health and Retirement Plan Provisions in Private 

Industry in the United States, 2009 

U.S. Department of Labor 

Hilda L. Solis, Secretary 

U.S. Bureau of Labor Statistics 

Keith Hall, Commissioner 

July 2010 

Bulletin 2749 
Employee Benefits Survey 

Overview 

The National Compensation Survey (NCS) provides comprehensive measures of occupational earnings, 

compensation cost trends, the incidence of benefits, and detailed benefit provisions. This bulletin presents 

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

2009. Under the NCS program, information on the incidence and provision of benefits is published in stages. 

An earlier bulletin provided 2009 NCS data on civilian, State and local government, and private industry 

workers, on the incidence of (access to and participation in) selected benefits and detailed provisions of paid 

holidays, life insurance plans, and some other benefit plans, as well as on employer and employee shares of 

contributions to medical care premiums and their average amounts. Similar data for civilian, private industry, 

and State and local government workers for March 2010 will be issued later this year. 

This bulletin of detailed health and retirement provisions will begin including basic health, defined benefit, and 

defined contribution tables each year. In addition, each year additional tables for a specific benefit will also be 

included. For example, this year additional defined contribution retirement tables in private industry are 

included. Next year, additional defined benefit retirement tables in private industry will be included in the 

bulletin. Periodically, state and local government benefits are scheduled to be studied. 

Questions regarding these data and recent and historical NCS benefits data can be addressed by 

calling the information line at (202) 691–6199 or by e-mailing to NCSInfo@bls.gov. Information 

is available to sensory-impaired individuals on request (Voice phone: (202) 691–5200; Federal 

Relay Service: 1 (800) 877–8339). Data requests also may be sent by mail to the 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. 
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2009

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

Characteristics Total

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

Worker characteristic

All workers ........................................................................ 100 79 3 62 7 6 1 ( )

Management, professional, and related ............................ 100 79 – 58 11 7 –

Management, business, and financial ........................... 100 82 – 68 5 6 –

Professional and related ............................................... 100 78 – 53 14 7 –

Service .............................................................................. 100 75 – 58 7 – 1 ( )

Protective service .......................................................... 100 – – 73 – – –

Sales and office ................................................................ 100 79 4 66 5 5 1 ( )

Sales and related .......................................................... 100 82 – 68 6 3 –

Office and administrative support ................................. 100 78 – 65 5 5 –

Natural resources, construction, and maintenance ........... 100 73 – 57 – 8 1 ( )

Construction, extraction, farming, fishing, and forestry 100 73 – 59 – – 1 ( )

Installation, maintenance, and repair ............................ 100 73 – 56 – – 1 ( )

Production, transportation, and material moving .............. 100 81 – 68 4 6 –

Production ..................................................................... 100 79 2 69 3 – –

Transportation and material moving ............................. 100 83 – 68 – – 1 ( )

Full time ............................................................................ 100 78 3 62 7 6 1 ( )

Part time ............................................................................ 100 85 7 65 9 – –

Union ................................................................................. 100 81 5 64 6 6 1 ( )

Nonunion ........................................................................... 100 78 3 62 7 6 1 ( )

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 76 8 61 4 2 1 ( )

Second 25 percent ........................................................ 100 80 2 66 6 6 1 ( )

Third 25 percent ............................................................ 100 79 – 62 7 8 –

Highest 25 percent ........................................................ 100 78 3 60 8 6 1 ( )

Highest 10 percent .................................................... 100 79 – 59 9 7 –

Establishment characteristic

Goods-producing industries .............................................. 100 78 3 65 3 7 –

Construction .................................................................. 100 74 – 58 – – –

Manufacturing ............................................................... 100 79 2 68 – – –

Service-providing industries .............................................. 100 79 3 61 8 6 1 ( )

Trade, transportation, and utilities ................................. 100 82 2 70 6 – –

Retail trade ................................................................ 100 78 – 67 5 – –

Transportation and warehousing .............................. 100 85 2 64 – – –

Information .................................................................... 100 83 – 61 – – –

Financial activities ......................................................... 100 83 2 66 5 10 –

Finance and insurance .............................................. 100 84 3 64 6 11 –

Credit intermediation and related activities ........... 100 83 3 57 8 16 –

Insurance carriers and related activities ............... 100 88 – 73 – – –

Professional and business services .............................. 100 85 – 69 – – –

Professional and technical services .......................... 100 85 – 72 – – –

Education and health services ...................................... 100 69 – 44 16 – –

Educational services ................................................. 100 66 – 51 – – –

Junior colleges, colleges, and universities ............ 100 59 – 47 9 – –

Health care and social assistance ............................ 100 70 – 43 17 – –

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

Compensation Survey, 2009—Continued

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

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristic

All workers ........................................................................ 21 18 4 –

Management, professional, and related ............................ 21 18 3 –

Management, business, and financial ........................... 18 16 2 –

Professional and related ............................................... 22 18 4 –

Service .............................................................................. 25 21 5 –

Protective service .......................................................... – – – –

Sales and office ................................................................ 21 17 4 –

Sales and related .......................................................... 18 14 – –

Office and administrative support ................................. 22 18 4 –

Natural resources, construction, and maintenance ........... 27 22 – –

Construction, extraction, farming, fishing, and forestry 27 24 – –

Installation, maintenance, and repair ............................ 27 20 – –

Production, transportation, and material moving .............. 19 15 4 –

Production ..................................................................... 21 17 – –

Transportation and material moving ............................. 17 13 – –

Full time ............................................................................ 22 18 4 –

Part time ............................................................................ 15 13 – –

Union ................................................................................. 19 16 – –

Nonunion ........................................................................... 22 18 4 –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 24 20 – –

Second 25 percent ........................................................ 20 17 3 –

Third 25 percent ............................................................ 21 16 5 –

Highest 25 percent ........................................................ 22 19 4 –

Highest 10 percent .................................................... 21 18 3 –

Establishment characteristic

Goods-producing industries .............................................. 22 19 – –

Construction .................................................................. 26 24 – –

Manufacturing ............................................................... 21 17 – –

Service-providing industries .............................................. 21 17 4 –

Trade, transportation, and utilities ................................. 18 13 5 –

Retail trade ................................................................ 22 17 – –

Transportation and warehousing .............................. 15 – – –

Information .................................................................... 17 17 – –

Financial activities ......................................................... 17 15 2 –

Finance and insurance .............................................. 16 14 – –

Credit intermediation and related activities ........... 17 15 – –

Insurance carriers and related activities ............... 12 – – –

Professional and business services .............................. 15 13 – –

Professional and technical services .......................... 15 13 – –

Education and health services ...................................... 31 25 6 –

Educational services ................................................. 34 25 9 –

Junior colleges, colleges, and universities ............ 41 26 15 –

Health care and social assistance ............................ 30 25 – –

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

2009—Continued

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

Characteristics Total

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

1 to 99 workers ................................................................. 100 76 4 61 5 6 1 ( )

1 to 49 workers ............................................................. 100 76 5 61 5 6 1 ( )

50 to 99 workers ........................................................... 100 74 – 62 – – 1

100 workers or more ......................................................... 100 81 2 63 9 6 1 ( )

100 to 499 workers ....................................................... 100 82 2 70 6 4 –

500 workers or more ..................................................... 100 79 2 55 13 9 1 ( )

Geographic area

New England ..................................................................... 100 64 – 49 – – 1

Middle Atlantic ................................................................... 100 77 5 55 10 – –

East North Central ............................................................ 100 82 – 72 6 3 –

West North Central ........................................................... 100 90 4 74 – – 1

South Atlantic .................................................................... 100 77 3 62 6 6 1 ( )

East South Central ............................................................ 100 91 – 69 – – –

West South Central ........................................................... 100 90 – 74 – – 1

Mountain ........................................................................... 100 80 4 59 – – 1 ( )

Pacific ............................................................................... 100 65 – 49 8 – –

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

Compensation Survey, 2009—Continued

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

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

1 to 99 workers ................................................................. 24 20 4 –

1 to 49 workers ............................................................. 24 19 4 –

50 to 99 workers ........................................................... 26 23 – –

100 workers or more ......................................................... 19 16 4 –

100 to 499 workers ....................................................... 18 16 2 –

500 workers or more ..................................................... 21 15 6 –

Geographic area

New England ..................................................................... 36 29 7 –

Middle Atlantic ................................................................... 23 18 5 –

East North Central ............................................................ 18 13 – –

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

South Atlantic .................................................................... 23 21 – –

East South Central ............................................................ 9 7 – –

West South Central ........................................................... 10 6 – –

Mountain ........................................................................... 20 14 – –

Pacific ............................................................................... 35 33 – –

1 Less than 0.5 percent. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers both above

and below the threshold. The average wages are based on

the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2009

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

Worker characteristic

All workers ........................................................................ 1.1 0.5 1.4 0.7 0.8 0.1

Management, professional, and related ............................ 1.6 – 2.4 1.5 1.4 –

Management, business, and financial ........................... 2.2 – 2.3 1.1 1.3 –

Professional and related ............................................... 2.1 – 3.5 2.3 2.1 –

Service .............................................................................. 3.8 – 4.4 1.3 – 0.2

Protective service .......................................................... – – 9.0 – – –

Sales and office ................................................................ 1.2 0.9 1.7 0.7 0.8 1 ( )

Sales and related .......................................................... 2.1 – 3.1 1.3 1.0 –

Office and administrative support ................................. 1.5 – 2.2 0.6 1.1 –

Natural resources, construction, and maintenance ........... 4.2 – 4.1 – 2.1 0.1

Construction, extraction, farming, fishing, and forestry 5.4 – 5.2 – – 0.1

Installation, maintenance, and repair ............................ 4.9 – 5.5 – – 1 ( )

Production, transportation, and material moving .............. 1.9 – 2.4 1.0 1.5 –

Production ..................................................................... 2.7 0.4 3.0 0.9 – –

Transportation and material moving ............................. 2.5 – 3.7 – – 1 ( )

Full time ............................................................................ 1.1 0.5 1.4 0.6 0.8 0.1

Part time ............................................................................ 2.7 2.1 3.5 2.5 – –

Union ................................................................................. 2.0 0.9 2.5 1.2 1.0 1 ( )

Nonunion ........................................................................... 1.2 0.6 1.6 0.7 0.9 0.1

Average wage within the following categories:2

Lowest 25 percent ......................................................... 2.7 2.2 3.9 1.1 0.6 0.1

Second 25 percent ........................................................ 1.9 0.4 2.1 1.0 1.1 1 ( )

Third 25 percent ............................................................ 1.7 – 2.4 1.2 1.5 –

Highest 25 percent ........................................................ 1.6 0.7 1.7 1.0 1.0 0.3

Highest 10 percent .................................................... 1.6 – 2.8 1.8 1.5 –

Establishment characteristic

Goods-producing industries .............................................. 2.2 0.8 2.2 0.8 1.7 –

Construction .................................................................. 5.0 – 5.3 – – –

Manufacturing ............................................................... 2.7 0.3 3.0 – – –

Service-providing industries .............................................. 1.3 0.6 1.7 0.8 0.9 0.2

Trade, transportation, and utilities ................................. 2.2 0.5 2.4 1.2 – –

Retail trade ................................................................ 2.9 – 3.4 1.2 – –

Transportation and warehousing .............................. 3.1 0.5 4.9 – – –

Information .................................................................... 4.1 – 6.0 – – –

Financial activities ......................................................... 1.9 0.5 2.7 1.2 2.0 –

Finance and insurance .............................................. 1.6 0.6 2.8 1.5 2.1 –

Credit intermediation and related activities ........... 2.7 0.9 3.6 2.2 3.2 –

Insurance carriers and related activities ............... 3.2 – 3.8 – – –

Professional and business services .............................. 1.9 – 4.2 – – –

Professional and technical services .......................... 2.9 – 5.8 – – –

Education and health services ...................................... 3.7 – 3.9 2.1 – –

Educational services ................................................. 4.3 – 5.0 – – –

Junior colleges, colleges, and universities ............ 3.6 – 3.9 0.9 – –

Health care and social assistance ............................ 4.2 – 4.2 2.3 – –

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

workers, National Compensation Survey, 2009—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristic

All workers ........................................................................ 1.1 1.1 0.5 –

Management, professional, and related ............................ 1.6 1.5 0.7 –

Management, business, and financial ........................... 2.2 2.2 0.5 –

Professional and related ............................................... 2.1 2.0 0.9 –

Service .............................................................................. 3.8 3.6 1.4 –

Protective service .......................................................... – – – –

Sales and office ................................................................ 1.2 1.1 0.8 –

Sales and related .......................................................... 2.1 1.8 – –

Office and administrative support ................................. 1.5 1.4 1.0 –

Natural resources, construction, and maintenance ........... 4.2 4.1 – –

Construction, extraction, farming, fishing, and forestry 5.4 5.4 – –

Installation, maintenance, and repair ............................ 4.9 4.7 – –

Production, transportation, and material moving .............. 1.9 1.7 1.0 –

Production ..................................................................... 2.7 2.6 – –

Transportation and material moving ............................. 2.5 2.2 – –

Full time ............................................................................ 1.1 1.1 0.6 –

Part time ............................................................................ 2.7 2.5 – –

Union ................................................................................. 2.0 1.9 – –

Nonunion ........................................................................... 1.2 1.2 0.6 –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 2.7 2.5 – –

Second 25 percent ........................................................ 1.9 2.0 0.8 –

Third 25 percent ............................................................ 1.7 1.6 0.9 –

Highest 25 percent ........................................................ 1.6 1.4 0.6 –

Highest 10 percent .................................................... 1.6 1.6 0.4 –

Establishment characteristic

Goods-producing industries .............................................. 2.2 2.2 – –

Construction .................................................................. 5.0 4.8 – –

Manufacturing ............................................................... 2.7 2.5 – –

Service-providing industries .............................................. 1.3 1.2 0.6 –

Trade, transportation, and utilities ................................. 2.2 2.0 1.3 –

Retail trade ................................................................ 2.9 2.7 – –

Transportation and warehousing .............................. 3.1 – – –

Information .................................................................... 4.1 4.1 – –

Financial activities ......................................................... 1.9 1.9 0.6 –

Finance and insurance .............................................. 1.6 1.4 – –

Credit intermediation and related activities ........... 2.7 2.5 – –

Insurance carriers and related activities ............... 3.2 – – –

Professional and business services .............................. 1.9 1.6 – –

Professional and technical services .......................... 2.9 2.6 – –

Education and health services ...................................... 3.7 3.5 1.7 –

Educational services ................................................. 4.3 4.6 2.0 –

Junior colleges, colleges, and universities ............ 3.6 2.8 3.1 –

Health care and social assistance ............................ 4.2 4.0 – –

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

Compensation Survey, 2009—Continued

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

1 to 99 workers ................................................................. 2.0 1.1 2.5 1.0 1.2 0.3

1 to 49 workers ............................................................. 2.3 1.5 2.8 1.1 1.6 0.2

50 to 99 workers ........................................................... 3.4 – 3.8 – – 0.8

100 workers or more ......................................................... 1.3 0.3 1.9 0.9 0.9 1 ( )

100 to 499 workers ....................................................... 1.9 0.4 2.6 1.3 1.0 –

500 workers or more ..................................................... 1.8 0.4 2.0 1.2 1.4 1 ( )

Geographic area

New England ..................................................................... 2.2 – 7.8 – – 0.5

Middle Atlantic ................................................................... 1.8 1.1 2.2 2.0 – –

East North Central ............................................................ 2.4 – 2.6 1.3 0.9 –

West North Central ........................................................... 2.9 1.1 3.4 – – 1.4

South Atlantic .................................................................... 2.8 0.8 3.4 1.2 1.4 0.1

East South Central ............................................................ 2.1 – 5.5 – – –

West South Central ........................................................... 2.2 – 5.4 – – 0.6

Mountain ........................................................................... 3.7 0.8 4.3 – – 0.1

Pacific ............................................................................... 3.8 – 3.4 1.5 – –

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

workers, National Compensation Survey, 2009—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

1 to 99 workers ................................................................. 2.0 2.1 0.7 –

1 to 49 workers ............................................................. 2.3 2.4 1.0 –

50 to 99 workers ........................................................... 3.4 3.0 – –

100 workers or more ......................................................... 1.3 1.1 0.7 –

100 to 499 workers ....................................................... 1.9 1.7 0.5 –

500 workers or more ..................................................... 1.8 1.1 1.4 –

Geographic area

New England ..................................................................... 2.2 3.0 1.9 –

Middle Atlantic ................................................................... 1.8 2.3 1.1 –

East North Central ............................................................ 2.4 1.8 – –

West North Central ........................................................... 2.9 – – –

South Atlantic .................................................................... 2.8 2.9 – –

East South Central ............................................................ 2.1 2.2 – –

West South Central ........................................................... 2.2 1.4 – –

Mountain ........................................................................... 3.7 2.0 – –

Pacific ............................................................................... 3.8 4.0 – –

1 Less than 0.05. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers both above

and below the threshold. The average wages are based on

the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2009

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

Characteristics

Plan network Allow non-emergency services

outside network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ........................................................................ 97 3 – 73 27 1 ( ) 34 66 1 ( )

Management, professional, and related ............................ 97 – – 72 27 1 37 62 1

Management, business, and financial ........................... 98 – – 75 23 1 28 71 1

Professional and related ............................................... 97 – – 71 29 – 43 57 –

Service .............................................................................. 96 – – 69 30 1 ( ) 38 62 1 ( )

Protective service .......................................................... 99 – – 80 – – – 74 –

Sales and office ................................................................ 96 4 – 75 25 – 30 70 1 ( )

Sales and related .......................................................... 95 – – 77 23 – 27 73 –

Office and administrative support ................................. 97 – – 74 26 – 31 69 1 ( )

Natural resources, construction, and maintenance ........... 96 – – 66 34 – 38 62 1 ( )

Construction, extraction, farming, fishing, and forestry 96 – – 66 34 – 37 63 1 ( )

Installation, maintenance, and repair ............................ 96 – – 67 33 – 40 60 1 ( )

Production, transportation, and material moving .............. 98 – – 76 24 – 28 72 1 ( )

Production ..................................................................... 98 2 – 76 24 – 29 71 –

Transportation and material moving ............................. 96 – – 77 23 – 28 72 1 ( )

Full time ............................................................................ 97 3 – 73 27 1 ( ) 34 66 1 ( )

Part time ............................................................................ 93 7 – 75 25 – 28 72 –

Union ................................................................................. 95 5 – 73 27 – 30 70 1 ( )

Nonunion ........................................................................... 97 3 – 73 27 1 ( ) 34 65 1 ( )

Average wage within the following categories:2

Lowest 25 percent ......................................................... 92 8 – 69 31 1 ( ) 30 70 1 ( )

Second 25 percent ........................................................ 98 2 – 76 24 1 ( ) 31 69 1 ( )

Third 25 percent ............................................................ 97 – – 73 26 1 ( ) 34 65 1 ( )

Highest 25 percent ........................................................ 97 3 – 72 28 1 ( ) 36 63 1 ( )

Highest 10 percent .................................................... 97 – – 72 28 – 37 63 –

Establishment characteristic

Goods-producing industries .............................................. 97 3 – 72 28 – 31 69 –

Construction .................................................................. 94 – – 64 36 – 36 64 –

Manufacturing ............................................................... 98 2 – 75 25 – 29 71 –

Service-providing industries .............................................. 97 3 – 73 26 1 ( ) 35 65 1 ( )

Trade, transportation, and utilities ................................. 98 2 – 80 20 – 28 72 –

Retail trade ................................................................ 98 – – 76 24 – 31 69 –

Transportation and warehousing .............................. 98 2 – 81 19 – 34 66 –

Information .................................................................... 97 – – 75 25 – 36 64 –

Financial activities ......................................................... 98 2 – 73 27 – 29 71 –

Finance and insurance .............................................. 97 3 – 73 27 – 31 69 –

Credit intermediation and related activities ........... 97 3 – 66 34 – 37 63 –

Insurance carriers and related activities ............... 97 – – 81 19 – 24 76 –

Professional and business services .............................. 98 – – 78 22 – 28 72 –

Professional and technical services .......................... 99 – – 80 20 – 27 73 –

Education and health services ...................................... 96 – – 66 34 – 52 48 –

Educational services ................................................. 99 – – 71 29 – 48 52 –

Junior colleges, colleges, and universities ............ 99 – – 71 29 – 52 48 –

Health care and social assistance ............................ 96 – – 65 35 – 52 48 –

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

2009—Continued

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

Characteristics

Plan network Allow non-emergency services

outside network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 96 4 – 70 30 1 ( ) 34 65 1 ( )

1 to 49 workers ............................................................. 95 5 – 70 30 1 ( ) 34 66 1 ( )

50 to 99 workers ........................................................... 98 – – 69 30 1 34 65 1

100 workers or more ......................................................... 98 2 – 76 24 – 33 67 1 ( )

100 to 499 workers ....................................................... 98 2 – 78 22 – 28 72 –

500 workers or more ..................................................... 98 2 – 73 27 – 41 59 1 ( )

Geographic area

New England ..................................................................... 98 – – 61 39 1 48 51 1

Middle Atlantic ................................................................... 95 5 – 69 31 – 41 59 –

East North Central ............................................................ 99 – – 82 18 1 ( ) 26 74 1 ( )

West North Central ........................................................... 96 4 – 80 18 1 20 79 1

South Atlantic .................................................................... 97 3 – 70 30 1 ( ) 34 66 1 ( )

East South Central ............................................................ 88 – – 75 25 – 19 81 –

West South Central ........................................................... 98 – – 84 15 1 20 79 1

Mountain ........................................................................... 96 4 – 79 21 – 37 63 1 ( )

Pacific ............................................................................... 98 – – 59 41 – 49 51 –

1 Less than 0.5 percent. 2 The categories are based on the average wage for each occupation surveyed, which

may include workers both above and below the threshold. The average wages are based on

the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National

Compensation Survey, 2009

Characteristics

Plan network Allow non-emergency services

outside network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ........................................................................ 0.5 0.5 – 1.4 1.4 0.1 1.3 1.3 0.1

Management, professional, and related ............................ 0.9 – – 2.1 2.1 0.3 2.3 2.4 0.3

Management, business, and financial ........................... 0.9 – – 2.2 2.5 0.9 2.6 2.3 0.9

Professional and related ............................................... 1.4 – – 3.0 3.0 – 3.5 3.5 –

Service .............................................................................. 1.4 – – 4.7 4.6 0.2 4.4 4.4 0.2

Protective service .......................................................... 0.5 – – 8.2 – – – 8.8 –

Sales and office ................................................................ 0.9 0.9 – 1.5 1.5 – 1.5 1.5 1 ( )

Sales and related .......................................................... 2.3 – – 3.0 3.0 – 2.6 2.6 –

Office and administrative support ................................. 1.0 – – 2.0 2.0 – 1.8 1.8 1 ( )

Natural resources, construction, and maintenance ........... 1.7 – – 4.2 4.2 – 4.3 4.3 0.1

Construction, extraction, farming, fishing, and forestry 1.9 – – 5.4 5.4 – 5.3 5.3 0.1

Installation, maintenance, and repair ............................ 2.9 – – 5.5 5.5 – 5.5 5.5 1 ( )

Production, transportation, and material moving .............. 0.7 – – 2.5 2.5 – 2.1 2.1 1 ( )

Production ..................................................................... 0.4 0.4 – 2.9 2.9 – 2.9 2.9 –

Transportation and material moving ............................. 1.7 – – 3.8 3.8 – 3.0 3.0 1 ( )

Full time ............................................................................ 0.5 0.5 – 1.4 1.5 0.1 1.4 1.4 0.1

Part time ............................................................................ 2.1 2.1 – 3.2 3.2 – 3.1 3.1 –

Union ................................................................................. 0.9 0.9 – 1.9 1.9 – 2.4 2.4 1 ( )

Nonunion ........................................................................... 0.6 0.6 – 1.6 1.6 0.1 1.5 1.5 0.1

Average wage within the following categories:2

Lowest 25 percent ......................................................... 2.2 2.2 – 3.2 3.2 0.1 3.1 3.1 0.1

Second 25 percent ........................................................ 0.4 0.4 – 2.0 2.0 1 ( ) 2.1 2.1 1 ( )

Third 25 percent ............................................................ 0.8 – – 2.2 2.3 0.2 2.4 2.4 0.2

Highest 25 percent ........................................................ 0.7 0.7 – 1.8 1.8 0.3 1.6 1.6 0.3

Highest 10 percent .................................................... 1.4 – – 2.9 2.9 – 2.2 2.2 –

Establishment characteristic

Goods-producing industries .............................................. 0.8 0.8 – 2.5 2.5 – 2.3 2.3 –

Construction .................................................................. 3.1 – – 5.4 5.4 – 5.3 5.3 –

Manufacturing ............................................................... 0.3 0.3 – 2.9 2.9 – 3.1 3.1 –

Service-providing industries .............................................. 0.6 0.6 – 1.6 1.6 0.2 1.6 1.6 0.2

Trade, transportation, and utilities ................................. 0.5 0.5 – 2.4 2.4 – 2.5 2.5 –

Retail trade ................................................................ 1.0 – – 2.8 2.8 – 3.7 3.7 –

Transportation and warehousing .............................. 0.5 0.5 – 4.7 4.7 – 4.7 4.7 –

Information .................................................................... 1.1 – – 4.4 4.4 – 6.0 6.0 –

Financial activities ......................................................... 0.5 0.5 – 2.3 2.3 – 2.5 2.5 –

Finance and insurance .............................................. 0.6 0.6 – 2.3 2.3 – 2.6 2.6 –

Credit intermediation and related activities ........... 0.9 0.9 – 3.3 3.3 – 3.5 3.5 –

Insurance carriers and related activities ............... 1.0 – – 3.0 3.0 – 3.5 3.5 –

Professional and business services .............................. 1.0 – – 3.6 3.6 – 3.9 3.9 –

Professional and technical services .......................... 0.8 – – 4.8 4.8 – 5.7 5.7 –

Education and health services ...................................... 2.0 – – 4.1 4.1 – 3.7 3.7 –

Educational services ................................................. 0.4 – – 4.5 4.5 – 4.9 4.9 –

Junior colleges, colleges, and universities ............ 0.7 – – 3.1 3.1 – 3.9 3.9 –

Health care and social assistance ............................ 2.4 – – 4.6 4.6 – 4.1 4.1 –

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

Compensation Survey, 2009—Continued

Characteristics

Plan network Allow non-emergency services

outside network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 1.1 1.1 – 2.6 2.7 0.3 2.3 2.3 0.3

1 to 49 workers ............................................................. 1.5 1.5 – 3.1 3.1 0.2 2.5 2.5 0.2

50 to 99 workers ........................................................... 0.8 – – 3.8 3.6 0.8 3.9 4.0 0.8

100 workers or more ......................................................... 0.3 0.3 – 1.4 1.4 – 1.8 1.8 1 ( )

100 to 499 workers ....................................................... 0.4 0.4 – 1.9 1.9 – 2.5 2.5 –

500 workers or more ..................................................... 0.4 0.4 – 1.5 1.5 – 2.0 2.0 1 ( )

Geographic area

New England ..................................................................... 1.7 – – 8.9 9.0 0.5 6.1 6.4 0.5

Middle Atlantic ................................................................... 1.1 1.1 – 2.9 2.9 – 1.8 1.8 –

East North Central ............................................................ 0.4 – – 2.1 2.1 1 ( ) 2.5 2.5 1 ( )

West North Central ........................................................... 1.1 1.1 – 3.6 4.0 1.4 4.2 4.0 1.4

South Atlantic .................................................................... 0.8 0.8 – 3.2 3.2 0.1 3.2 3.2 0.1

East South Central ............................................................ 6.1 – – 5.9 5.9 – 3.4 3.4 –

West South Central ........................................................... 1.8 – – 3.7 3.8 0.6 4.0 4.0 0.6

Mountain ........................................................................... 0.8 0.8 – 2.8 2.8 – 4.2 4.2 0.1

Pacific ............................................................................... 0.9 – – 3.9 3.9 – 4.0 4.0 –

1 Less than 0.05. 2 The categories are based on the average wage for each occupation surveyed, which

may include workers both above and below the threshold. The average wages are based on

the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 3. Medical care benefits: High deductible health plans,1

 private industry

workers, National Compensation Survey, 2009

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

Characteristics Total High deductible

health plans

Non-high

deductible

health plans

Worker characteristic

All workers ........................................................................ 100 15 85

Management, professional, and related ............................ 100 16 84

Management, business, and financial ........................... 100 24 76

Professional and related ............................................... 100 12 88

Service .............................................................................. 100 7 93

Sales and office ................................................................ 100 14 86

Sales and related .......................................................... 100 12 88

Office and administrative support ................................. 100 15 85

Natural resources, construction, and maintenance ........... 100 20 80

Construction, extraction, farming, fishing, and forestry 100 24 76

Installation, maintenance, and repair ............................ 100 17 83

Production, transportation, and material moving .............. 100 13 87

Production ..................................................................... 100 16 84

Transportation and material moving ............................. 100 10 90

Full time ............................................................................ 100 15 85

Part time ............................................................................ 100 7 93

Union ................................................................................. 100 5 95

Nonunion ........................................................................... 100 16 84

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 12 88

Second 25 percent ........................................................ 100 14 86

Third 25 percent ............................................................ 100 16 84

Highest 25 percent ........................................................ 100 14 86

Highest 10 percent .................................................... 100 16 84

Establishment characteristic

Goods-producing industries .............................................. 100 15 85

Manufacturing ............................................................... 100 14 86

Service-providing industries .............................................. 100 14 86

Trade, transportation, and utilities ................................. 100 11 89

Retail trade ................................................................ 100 11 89

Financial activities ......................................................... 100 25 75

Finance and insurance .............................................. 100 24 76

Credit intermediation and related activities ........... 100 19 81

Insurance carriers and related activities ............... 100 33 67

Professional and business services .............................. 100 17 83

Education and health services ...................................... 100 10 90

Educational services ................................................. 100 4 96

Junior colleges, colleges, and universities ............ 100 6 94

Health care and social assistance ............................ 100 11 89

See footnotes at end of table.
Table 3. Medical care benefits: High deductible health plans,1

 private industry

workers, National Compensation Survey, 2009—Continued

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

Characteristics Total High deductible

health plans

Non-high

deductible

health plans

1 to 99 workers ................................................................. 100 17 83

1 to 49 workers ............................................................. 100 18 82

50 to 99 workers ........................................................... 100 16 84

100 workers or more ......................................................... 100 12 88

100 to 499 workers ....................................................... 100 13 87

500 workers or more ..................................................... 100 11 89

Geographic area

Middle Atlantic ................................................................... 100 10 90

East North Central ............................................................ 100 19 81

West North Central ........................................................... 100 24 76

South Atlantic .................................................................... 100 16 84

East South Central ............................................................ 100 16 84

West South Central ........................................................... 100 17 83

Mountain ........................................................................... 100 12 88

Pacific ............................................................................... 100 8 92

1 A high deductible health plan (HDHP) is health plan

which typically has a higher deductible and lower premiums

than a traditional health plan. 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 categories are based on the average wage for

each occupation surveyed, which may include workers both

above and below the threshold. The average wages are

based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 3. Standard errors for medical care benefits: High deductible

health plans,1 private industry workers, National Compensation

Survey, 2009

Characteristics High deductible

health plans

Non-high

deductible

health plans

Worker characteristic

All workers ........................................................................ 0.8 0.8

Management, professional, and related ............................ 1.5 1.5

Management, business, and financial ........................... 2.5 2.5

Professional and related ............................................... 1.5 1.5

Service .............................................................................. 1.5 1.5

Sales and office ................................................................ 1.3 1.3

Sales and related .......................................................... 1.9 1.9

Office and administrative support ................................. 1.7 1.7

Natural resources, construction, and maintenance ........... 2.9 2.9

Construction, extraction, farming, fishing, and forestry 4.7 4.7

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

Production, transportation, and material moving .............. 1.8 1.8

Production ..................................................................... 2.5 2.5

Transportation and material moving ............................. 2.3 2.3

Full time ............................................................................ 0.9 0.9

Part time ............................................................................ 1.4 1.4

Union ................................................................................. 1.2 1.2

Nonunion ........................................................................... 0.9 0.9

Average wage within the following categories:2

Lowest 25 percent ......................................................... 2.0 2.0

Second 25 percent ........................................................ 1.5 1.5

Third 25 percent ............................................................ 1.3 1.3

Highest 25 percent ........................................................ 1.3 1.3

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

Establishment characteristic

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

Manufacturing ............................................................... 2.2 2.2

Service-providing industries .............................................. 1.0 1.0

Trade, transportation, and utilities ................................. 1.4 1.4

Retail trade ................................................................ 1.7 1.7

Financial activities ......................................................... 2.8 2.8

Finance and insurance .............................................. 2.8 2.8

Credit intermediation and related activities ........... 2.8 2.8

Insurance carriers and related activities ............... 6.5 6.5

Professional and business services .............................. 2.4 2.4

Education and health services ...................................... 2.0 2.0

Educational services ................................................. 0.7 0.7

Junior colleges, colleges, and universities ............ 0.9 0.9

Health care and social assistance ............................ 2.4 2.4

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

health plans,1 private industry workers, National Compensation

Survey, 2009—Continued

Characteristics High deductible

health plans

Non-high

deductible

health plans

1 to 99 workers ................................................................. 1.4 1.4

1 to 49 workers ............................................................. 1.8 1.8

50 to 99 workers ........................................................... 2.2 2.2

100 workers or more ......................................................... 1.3 1.3

100 to 499 workers ....................................................... 1.8 1.8

500 workers or more ..................................................... 1.4 1.4

Geographic area

Middle Atlantic ................................................................... 1.9 1.9

East North Central ............................................................ 2.5 2.5

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

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

East South Central ............................................................ 3.6 3.6

West South Central ........................................................... 2.6 2.6

Mountain ........................................................................... 2.3 2.3

Pacific ............................................................................... 1.6 1.6

1 A high deductible health plan (HDHP) is

health plan which typically has a higher deductible

and lower premiums than a traditional health plan.

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 categories are based on the average

wage for each occupation surveyed, which may

include workers both above and below the

threshold. The average wages are based on the

estimates published in the "National

Compensation Survey: Occupational Earnings in

the United States, 2008." See Technical Note for

more details.

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/glossary20092010.htm.
Table 4. Medical care benefits: Deductibles1

 in high deductible health plans,2 private industry workers, National

Compensation Survey, 2009

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

Characteristics Total With annual

deductible

Amount of annual individual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 100 $1,000 $1,250 $1,600 $2,000 $3,000

Management, professional, and related ............................ 100 100 1,000 1,250 1,500 2,000 2,500

Management, business, and financial ........................... 100 100 1,000 1,300 1,600 2,000 2,500

Professional and related ............................................... 100 100 1,000 1,200 1,500 2,000 2,500

Service .............................................................................. 100 100 1,200 1,500 2,000 2,000 3,000

Sales and office ................................................................ 100 100 1,000 1,250 1,500 2,500 3,000

Sales and related .......................................................... 100 100 1,000 1,200 1,500 2,000 2,500

Office and administrative support ................................. 100 100 1,000 1,500 1,500 2,500 3,000

Natural resources, construction, and maintenance ........... 100 100 1,000 1,200 2,000 2,000 2,500

Construction, extraction, farming, fishing, and forestry 100 100 – – – – –

Installation, maintenance, and repair ............................ 100 100 1,000 1,200 1,500 2,000 2,500

Production, transportation, and material moving .............. 100 100 1,000 1,250 2,000 2,750 3,000

Production ..................................................................... 100 100 – – – – –

Transportation and material moving ............................. 100 100 1,000 1,200 2,000 2,500 2,750

Full time ............................................................................ 100 100 1,000 1,250 1,600 2,000 3,000

Part time ............................................................................ 100 100 1,000 1,500 2,000 2,000 2,500

Union ................................................................................. 100 100 1,100 1,250 2,000 2,500 2,750

Nonunion ........................................................................... 100 100 1,000 1,250 1,600 2,000 3,000

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 100 1,200 1,500 2,000 2,300 3,000

Second 25 percent ........................................................ 100 100 1,000 1,500 2,000 2,500 3,000

Third 25 percent ............................................................ 100 100 1,000 1,250 1,500 2,000 2,750

Highest 25 percent ........................................................ 100 100 1,000 1,200 1,500 2,000 2,500

Highest 10 percent .................................................... 100 100 1,000 1,200 1,600 2,000 2,500

Establishment characteristic

Goods-producing industries .............................................. 100 100 1,000 1,200 1,650 2,000 2,500

Manufacturing ............................................................... 100 100 1,000 1,000 1,500 2,000 3,000

Service-providing industries .............................................. 100 100 1,000 1,500 1,600 2,000 3,000

Trade, transportation, and utilities ................................. 100 100 1,000 1,250 1,500 2,300 3,000

Retail trade ................................................................ 100 100 1,000 1,000 1,500 2,000 2,500

Financial activities ......................................................... 100 100 1,000 1,200 1,500 2,000 2,500

Finance and insurance .............................................. 100 100 1,000 1,100 1,500 2,000 2,500

Credit intermediation and related activities ........... 100 100 – – – – –

Insurance carriers and related activities ............... 100 100 1,000 1,100 1,300 1,600 2,500

Professional and business services .............................. 100 100 1,250 1,500 2,000 2,500 2,500

Education and health services ...................................... 100 100 1,000 1,500 2,000 2,000 2,000

Educational services ................................................. 100 100 – – – – –

Junior colleges, colleges, and universities ............ 100 100 1,000 1,200 1,500 1,500 2,000

Health care and social assistance ............................ 100 100 1,050 1,500 2,000 2,000 2,000

1 to 99 workers ................................................................. 100 100 1,000 1,500 2,000 2,000 3,000

1 to 49 workers ............................................................. 100 100 1,100 1,500 2,000 2,000 2,750

50 to 99 workers ........................................................... 100 100 1,000 1,200 2,000 2,000 3,000

100 workers or more ......................................................... 100 100 1,000 1,200 1,500 2,000 2,750

100 to 499 workers ....................................................... 100 100 1,000 1,250 1,500 2,500 3,000

500 workers or more ..................................................... 100 100 1,000 1,100 1,500 1,800 2,500

See footnotes at end of table.
Table 4. Medical care benefits: Deductibles1

 in high deductible health plans,2 private industry workers, National

Compensation Survey, 2009—Continued

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

Characteristics Total With annual

deductible

Amount of annual individual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

Middle Atlantic ................................................................... 100 100 $1,200 $1,250 $1,500 $2,500 $2,500

East North Central ............................................................ 100 100 – – – – –

West North Central ........................................................... 100 100 1,000 1,200 2,000 2,000 2,750

South Atlantic .................................................................... 100 100 1,200 1,500 2,000 2,000 3,000

East South Central ............................................................ 100 100 1,000 1,200 1,600 2,000 2,700

West South Central ........................................................... 100 100 1,000 1,250 1,500 2,500 3,000

Mountain ........................................................................... 100 100 1,100 1,500 2,000 2,000 2,500

Pacific ............................................................................... 100 100 1,100 1,200 1,500 2,000 2,250

1 The deductible is the amount of covered expenses that an individual or family

must pay before any charges are paid by the medical care plan. Deductibles that apply

separately to a specific category of expenses, such as deductible for each hospital

admission, were excluded. 2 A high deductible health plan (HDHP) is health plan which typically has a higher

deductible and lower premiums than a traditional health plan. Normally the plan

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

insured is responsible for routine out-of-pocket expenses. 3 The categories are based on the average wage for each occupation surveyed,

which may include workers both above and below the threshold. The average wages

are based on the estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical Note for more

details.

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/glossary20092010.htm.
Table 4. Standard errors for medical care benefits: Deductibles1

 in high deductible health plans,2 private

industry workers, National Compensation Survey, 2009

Characteristics With annual

deductible

Amount of annual individual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 3 ( ) $0.00 $122.14 $222.21 $185.11 $448.08

Management, professional, and related ............................ 3 ( ) 0.00 140.47 96.12 0.00 69.37

Management, business, and financial ........................... 3 ( ) 19.62 291.69 241.31 49.05 89.38

Professional and related ............................................... 3 ( ) 0.00 69.09 0.00 55.50 97.12

Service .............................................................................. 3 ( ) 142.85 49.05 0.00 294.32 376.40

Sales and office ................................................................ 3 ( ) 33.99 224.36 19.62 607.55 149.75

Sales and related .......................................................... 3 ( ) 21.94 120.16 0.00 114.41 0.00

Office and administrative support ................................. 3 ( ) 113.57 288.37 244.48 230.71 98.11

Natural resources, construction, and maintenance ........... 3 ( ) 29.43 268.68 98.11 546.24 357.12

Construction, extraction, farming, fishing, and forestry 3 () – – – – –

Installation, maintenance, and repair ............................ 3 ( ) 0.00 316.99 460.16 612.68 628.19

Production, transportation, and material moving .............. 3 ( ) 27.75 250.51 83.82 408.06 679.71

Production ..................................................................... 3 () – – – – –

Transportation and material moving ............................. 3 ( ) 113.14 249.35 169.93 197.19 271.71

Full time ............................................................................ 3 ( ) 0.00 107.92 221.12 235.46 422.32

Part time ............................................................................ 3 ( ) 126.40 162.69 432.34 0.00 291.03

Union ................................................................................. 3 ( ) 100.53 271.35 0.00 254.89 169.93

Nonunion ........................................................................... 3 ( ) 0.00 132.35 198.17 135.94 469.07

Average wage within the following categories:4

Lowest 25 percent ......................................................... 3 ( ) 241.11 0.00 98.11 613.31 0.00

Second 25 percent ........................................................ 3 ( ) 65.08 193.00 0.00 298.86 392.43

Third 25 percent ............................................................ 3 ( ) 0.00 113.99 198.89 437.54 325.83

Highest 25 percent ........................................................ 3 ( ) 0.00 43.87 103.83 0.00 0.00

Highest 10 percent .................................................... 3 ( ) 19.62 116.50 100.05 0.00 324.94

Establishment characteristic

Goods-producing industries .............................................. 3 ( ) 0.00 119.75 368.61 50.98 607.31

Manufacturing ............................................................... 3 ( ) 98.11 216.07 119.35 58.86 679.42

Service-providing industries .............................................. 3 ( ) 24.03 184.59 270.11 406.17 383.75

Trade, transportation, and utilities ................................. 3 ( ) 0.00 194.98 585.69 470.51 622.42

Retail trade ................................................................ 3 ( ) 0.00 367.74 0.00 0.00 366.03

Financial activities ......................................................... 3 ( ) 85.53 86.09 0.00 88.30 440.06

Finance and insurance .............................................. 3 ( ) 0.00 49.05 0.00 216.73 197.19

Credit intermediation and related activities ........... 3 () – – – – –

Insurance carriers and related activities ............... 3 ( ) 89.92 19.62 251.47 285.19 409.71

Professional and business services .............................. 3 ( ) 340.14 43.87 478.22 169.93 659.00

Education and health services ...................................... 3 ( ) 146.18 166.49 681.47 0.00 179.83

Educational services ................................................. 3 () – – – – –

Junior colleges, colleges, and universities ............ 3 ( ) 0.00 468.35 0.00 0.00 0.00

Health care and social assistance ............................ 3 ( ) 158.80 166.49 629.26 0.00 196.21

1 to 99 workers ................................................................. 3 ( ) 114.83 0.00 0.00 302.55 407.59

1 to 49 workers ............................................................. 3 ( ) 150.71 0.00 78.49 313.64 369.44

50 to 99 workers ........................................................... 3 ( ) 41.62 330.67 625.43 629.11 438.75

100 workers or more ......................................................... 3 ( ) 0.00 77.98 0.00 275.75 429.21

100 to 499 workers ....................................................... 3 ( ) 0.00 201.09 431.56 361.80 141.49

500 workers or more ..................................................... 3 ( ) 0.00 103.36 0.00 215.11 292.35

See footnotes at end of table.
Table 4. Standard errors for medical care benefits: Deductibles1

 in high deductible health plans,2 private

industry workers, National Compensation Survey, 2009—Continued

Characteristics With annual

deductible

Amount of annual individual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

Middle Atlantic ................................................................... 3 ( ) $62.82 $264.53 $421.57 $381.99 $0.00

East North Central ............................................................ 3 () – – – – –

West North Central ........................................................... 3 ( ) 19.62 270.11 238.70 344.77 143.18

South Atlantic .................................................................... 3 ( ) 50.98 0.00 241.31 404.98 138.74

East South Central ............................................................ 3 ( ) 0.00 306.50 470.91 480.62 558.78

West South Central ........................................................... 3 ( ) 0.00 413.80 399.00 509.78 98.11

Mountain ........................................................................... 3 ( ) 126.78 352.78 389.78 226.29 495.61

Pacific ............................................................................... 3 ( ) 166.20 62.82 0.00 328.91 138.74

1 The deductible is the amount of covered expenses that an individual or

family must pay before any charges are paid by the medical care plan.

Deductibles that apply separately to a specific category of expenses, such as

deductible for each hospital admission, were excluded. 2 A high deductible health plan (HDHP) is health plan which typically has a

higher deductible and lower premiums than a traditional health plan. Normally the

plan includes catastrophic coverage to protect against large medical expenses,

but the insured is responsible for routine out-of-pocket expenses. 3 Less than 0.05. 4 The categories are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

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/glossary20092010.htm.
Table 5. Medical care benefits: Deductibles1

 in non-high deductible health plans, private industry workers, National Compensation

Survey, 2009

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

Characteristics Total With annual

deductible

Amount of annual individual deductible

With no

annual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 77 $200 $250 $400 $600 $1,000 23 2 ( )

Management, professional, and related ............................ 100 77 200 250 400 600 1,000 23 2 ( )

Management, business, and financial ........................... 100 78 150 250 350 550 1,000 22 2 ( )

Professional and related ............................................... 100 76 200 250 400 750 1,000 24 2 ( )

Service .............................................................................. 100 73 200 250 500 500 1,000 27 2 ( )

Sales and office ................................................................ 100 79 200 250 500 650 1,000 21 2 ( )

Sales and related .......................................................... 100 82 – – – – – 18 2 ( )

Office and administrative support ................................. 100 77 200 250 400 500 1,000 23 2 ( )

Natural resources, construction, and maintenance ........... 100 75 150 250 450 500 1,000 25 2 ( )

Construction, extraction, farming, fishing, and forestry 100 80 150 200 300 500 1,000 20 –

Installation, maintenance, and repair ............................ 100 70 – – – – – 30 2 ( )

Production, transportation, and material moving .............. 100 77 200 250 400 600 1,000 23 2 ( )

Production ..................................................................... 100 73 – – – – – 27 2 ( )

Transportation and material moving ............................. 100 82 200 250 350 750 1,000 18 –

Full time ............................................................................ 100 77 200 250 500 650 1,000 23 2 ( )

Part time ............................................................................ 100 75 200 250 300 500 750 25 –

Union ................................................................................. 100 71 150 200 300 300 500 29 –

Nonunion ........................................................................... 100 78 200 250 500 750 1,000 22 2 ( )

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 72 200 300 500 750 1,000 28 2 ( )

Second 25 percent ........................................................ 100 78 200 300 500 750 1,000 21 2 ( )

Third 25 percent ............................................................ 100 80 200 250 400 650 1,000 20 2 ( )

Highest 25 percent ........................................................ 100 75 150 250 300 500 1,000 25 2 ( )

Highest 10 percent .................................................... 100 74 – – – – – 26 2 ( )

Establishment characteristic

Goods-producing industries .............................................. 100 76 200 250 400 500 1,000 24 2 ( )

Manufacturing ............................................................... 100 76 – – – – – 24 2 ( )

Service-providing industries .............................................. 100 77 200 250 450 600 1,000 23 2 ( )

Trade, transportation, and utilities ................................. 100 81 200 250 500 750 1,000 19 2 ( )

Retail trade ................................................................ 100 76 – – – – – 23 2 ( )

Financial activities ......................................................... 100 74 250 300 500 600 1,000 26 –

Finance and insurance .............................................. 100 74 200 300 400 600 1,000 26 –

Credit intermediation and related activities ........... 100 70 – – – – – 30 –

Insurance carriers and related activities ............... 100 83 250 300 400 500 1,000 17 –

Professional and business services .............................. 100 82 150 250 400 500 1,000 18 –

Education and health services ...................................... 100 73 250 250 500 1,000 1,000 27 –

Educational services ................................................. 100 74 250 250 500 1,000 1,000 26 –

Junior colleges, colleges, and universities ............ 100 63 150 250 500 500 1,000 37 –

Health care and social assistance ............................ 100 73 200 250 500 800 1,000 27 –

See footnotes at end of table.
Table 5. Medical care benefits: Deductibles1

 in non-high deductible health plans, private industry workers, National Compensation

Survey, 2009—Continued

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

Characteristics Total With annual

deductible

Amount of annual individual deductible

With no

annual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 80 $200 $300 $500 $1,000 $1,000 20 2 ( )

1 to 49 workers ............................................................. 100 80 200 300 500 1,000 1,000 19 2 ( )

50 to 99 workers ........................................................... 100 78 250 275 500 1,000 1,000 22 1

100 workers or more ......................................................... 100 74 150 250 300 500 750 26 2 ( )

100 to 499 workers ....................................................... 100 78 150 250 300 500 750 22 –

500 workers or more ..................................................... 100 69 150 250 300 500 750 31 2 ( )

Geographic area

Middle Atlantic ................................................................... 100 70 – – – – – 30 2 ( )

East North Central ............................................................ 100 79 150 250 300 500 1,000 21 –

West North Central ........................................................... 100 91 – – – – – – –

South Atlantic .................................................................... 100 79 250 300 500 750 1,000 21 2 ( )

East South Central ............................................................ 100 89 250 300 500 1,000 1,000 10 1

West South Central ........................................................... 100 90 200 300 500 750 1,000 9 2 ( )

Mountain ........................................................................... 100 82 – – – – – 17 2 ( )

Pacific ............................................................................... 100 64 – – – – – 36 –

1 The deductible is the amount of covered expenses that an individual or family must pay before any

charges are paid by the medical care plan. Deductibles that apply separately to a specific category of

expenses, such as deductible for each hospital admission, were excluded. 2 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 5. Standard errors for medical care benefits: Deductibles1

 in non-high deductible health plans, private industry workers,

National Compensation Survey, 2009

Characteristics With annual

deductible

Amount of annual individual deductible

With no

annual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 1.0 $0.00 $0.00 $153.56 $166.08 $0.00 1.0 0.1

Management, professional, and related ............................ 1.8 47.05 0.00 68.58 257.17 0.00 1.8 2 ( )

Management, business, and financial ........................... 2.6 38.00 9.81 130.50 213.16 0.00 2.6 2 ( )

Professional and related ............................................... 2.4 9.81 0.00 75.55 225.37 0.00 2.4 2 ( )

Service .............................................................................. 3.8 32.54 9.81 0.00 105.66 0.00 3.8 0.4

Sales and office ................................................................ 1.5 9.81 44.69 105.66 156.97 0.00 1.5 0.2

Sales and related .......................................................... 2.2 – – – – – 2.2 2 ( )

Office and administrative support ................................. 2.1 0.00 40.75 86.47 135.23 0.00 2.1 0.3

Natural resources, construction, and maintenance ........... 3.9 40.45 25.96 103.36 107.92 0.00 3.9 2 ( )

Construction, extraction, farming, fishing, and forestry 4.5 50.02 42.76 140.47 49.05 310.24 4.5 –

Installation, maintenance, and repair ............................ 5.3 – – – – – 5.3 0.1

Production, transportation, and material moving .............. 2.4 24.03 17.69 134.12 214.49 0.00 2.4 0.1

Production ..................................................................... 3.1 – – – – – 3.1 0.1

Transportation and material moving ............................. 3.1 68.67 0.00 147.46 240.31 0.00 3.1 –

Full time ............................................................................ 1.2 0.00 0.00 88.84 182.25 0.00 1.2 0.1

Part time ............................................................................ 4.7 36.71 0.00 47.05 0.00 165.33 4.7 –

Union ................................................................................. 3.1 0.00 0.00 65.81 79.32 0.00 3.1 –

Nonunion ........................................................................... 1.2 4.91 47.31 0.00 65.33 0.00 1.2 0.1

Average wage within the following categories:3

Lowest 25 percent ......................................................... 2.4 44.96 31.79 27.75 141.83 0.00 2.5 0.4

Second 25 percent ........................................................ 1.5 54.62 4.91 0.00 90.63 0.00 1.5 0.3

Third 25 percent ............................................................ 1.7 58.86 0.00 145.85 190.99 0.00 1.7 2 ( )

Highest 25 percent ........................................................ 1.5 13.87 0.00 92.94 19.62 0.00 1.5 2 ( )

Highest 10 percent .................................................... 2.8 – – – – – 2.8 0.1

Establishment characteristic

Goods-producing industries .............................................. 2.4 10.97 47.05 139.15 243.14 0.00 2.4 2 ( )

Manufacturing ............................................................... 3.0 – – – – – 3.0 0.1

Service-providing industries .............................................. 1.3 13.87 0.00 98.11 189.69 0.00 1.3 0.1

Trade, transportation, and utilities ................................. 2.2 0.00 68.67 109.69 134.52 0.00 2.1 0.2

Retail trade ................................................................ 2.4 – – – – – 2.4 0.5

Financial activities ......................................................... 2.5 50.02 8.50 105.66 135.59 0.00 2.5 –

Finance and insurance .............................................. 2.3 57.21 32.54 72.26 88.30 0.00 2.3 –

Credit intermediation and related activities ........... 3.9 – – – – – 3.9 –

Insurance carriers and related activities ............... 2.5 68.67 0.00 124.10 0.00 256.77 2.5 –

Professional and business services .............................. 3.5 65.99 9.81 141.49 0.00 0.00 3.5 –

Education and health services ...................................... 3.1 65.81 9.81 0.00 246.64 0.00 3.1 –

Educational services ................................................. 3.9 58.86 0.00 19.62 97.62 0.00 3.9 –

Junior colleges, colleges, and universities ............ 3.1 65.81 0.00 133.08 185.37 0.00 3.1 –

Health care and social assistance ............................ 3.9 74.07 16.99 0.00 318.05 0.00 3.9 –

See footnotes at end of table.
Table 5. Standard errors for medical care benefits: Deductibles1

 in non-high deductible health plans, private industry workers,

National Compensation Survey, 2009—Continued

Characteristics With annual

deductible

Amount of annual individual deductible

With no

annual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 2.0 $16.99 $0.00 $0.00 $0.00 $19.62 2.0 0.2

1 to 49 workers ............................................................. 2.4 13.87 0.00 0.00 0.00 0.00 2.4 0.2

50 to 99 workers ........................................................... 2.8 61.27 43.60 0.00 100.53 463.29 2.8 0.5

100 workers or more ......................................................... 1.4 44.15 0.00 0.00 0.00 0.00 1.4 2 ( )

100 to 499 workers ....................................................... 2.0 60.48 0.00 13.87 0.00 75.99 2.0 –

500 workers or more ..................................................... 1.8 29.02 0.00 0.00 0.00 21.21 1.8 2 ( )

Geographic area

Middle Atlantic ................................................................... 2.6 – – – – – 2.6 2 ( )

East North Central ............................................................ 2.7 49.54 0.00 37.27 0.00 285.86 2.7 –

West North Central ........................................................... 2.6 – – – – – – –

South Atlantic .................................................................... 2.1 39.24 0.00 58.86 170.21 0.00 2.1 0.3

East South Central ............................................................ 2.5 32.54 41.62 200.10 39.24 0.00 2.8 0.8

West South Central ........................................................... 1.7 70.75 0.00 0.00 249.36 0.00 1.5 0.5

Mountain ........................................................................... 2.7 – – – – – 2.7 0.1

Pacific ............................................................................... 3.0 – – – – – 3.0 –

1 The deductible is the amount of covered expenses that an individual or family must pay before

any charges are paid by the medical care plan. Deductibles that apply separately to a specific

category of expenses, such as deductible for each hospital admission, were excluded. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2009

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ........................................................................ 93 7 4 ( ) 75 25 4 ( ) 80 18 1

Management, professional, and related ............................ 93 7 4 ( ) 76 24 – 80 18 2

Management, business, and financial ........................... 96 4 4 ( ) 78 22 – 85 13 2

Professional and related ............................................... 92 8 4 ( ) 75 25 – 77 22 1

Service .............................................................................. 87 12 4 ( ) 74 26 – 76 24 1

Protective service .......................................................... 98 – – 62 – – 68 – –

Sales and office ................................................................ 94 6 4 ( ) 79 21 4 ( ) 84 15 1

Sales and related .......................................................... 96 4 4 ( ) 79 20 4 ( ) 83 17 4 ( )

Office and administrative support ................................. 93 7 4 ( ) 78 21 4 ( ) 84 15 1

Natural resources, construction, and maintenance ........... 92 – – 67 33 – 77 23 1

Construction, extraction, farming, fishing, and forestry 94 – – 65 35 – 77 23 –

Installation, maintenance, and repair ............................ 89 – – 69 31 – 76 23 1

Production, transportation, and material moving .............. 93 7 4 ( ) 73 26 4 ( ) 79 19 2

Production ..................................................................... 92 8 4 ( ) 75 25 – 79 19 2

Transportation and material moving ............................. 94 – – 72 27 1 80 18 2

Full time ............................................................................ 93 7 4 ( ) 75 25 4 ( ) 80 18 1

Part time ............................................................................ 86 – – 82 – – 78 21 1

Union ................................................................................. 84 16 – 66 34 – 69 30 1

Nonunion ........................................................................... 94 6 4 ( ) 77 23 4 ( ) 82 17 1

Average wage within the following categories:5

Lowest 25 percent ......................................................... 90 10 4 ( ) 81 19 – 80 19 1

Second 25 percent ........................................................ 93 7 4 ( ) 73 27 4 ( ) 81 17 2

Third 25 percent ............................................................ 94 6 4 ( ) 75 25 4 ( ) 81 18 1

Highest 25 percent ........................................................ 92 7 4 ( ) 75 25 4 ( ) 79 20 1

Highest 10 percent .................................................... 92 8 4 ( ) 74 26 – 78 21 1

Establishment characteristic

Goods-producing industries .............................................. 92 8 4 ( ) 75 25 – 82 17 1

Construction .................................................................. 91 – – 69 31 – 85 15 –

Manufacturing ............................................................... 91 9 4 ( ) 75 25 – 81 18 1

Service-providing industries .............................................. 93 7 4 ( ) 75 24 4 ( ) 80 19 1

Trade, transportation, and utilities ................................. 95 5 – 75 24 1 83 16 1

Retail trade ................................................................ 94 6 – 81 19 – 85 15 –

Transportation and warehousing .............................. 95 – – 69 31 – 76 24 –

Information .................................................................... 97 – – 74 26 – 85 13 2

Financial activities ......................................................... 92 8 – 79 21 – 81 17 2

Finance and insurance .............................................. 90 10 – 81 19 – 81 17 2

Credit intermediation and related activities ........... 86 14 – 79 21 – 81 19 4 ( )

Insurance carriers and related activities ............... 95 – – 87 13 – 83 12 5

Professional and business services .............................. 95 – – 74 26 – 78 21 1

Professional and technical services .......................... 96 – – 73 27 – 78 22 –

Education and health services ...................................... 89 11 – 70 30 – 75 23 2

Educational services ................................................. 95 5 – 78 22 – 79 21 –

Junior colleges, colleges, and universities ............ 92 8 – 70 30 – 75 25 –

Health care and social assistance ............................ 88 12 – 69 31 – 74 24 2

See footnotes at end of table.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,

2009—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 97 3 4 ( ) 75 24 4 ( ) 80 19 1

1 to 49 workers ............................................................. 96 4 – 75 25 4 ( ) 79 20 1

50 to 99 workers ........................................................... 97 – – 76 24 4 ( ) 82 17 1

100 workers or more ......................................................... 89 10 4 ( ) 75 25 – 81 18 1

100 to 499 workers ....................................................... 92 8 – 75 25 – 83 16 1

500 workers or more ..................................................... 85 14 4 ( ) 76 24 – 78 20 2

Geographic area

New England ..................................................................... 86 – – 58 42 – 61 39 1

Middle Atlantic ................................................................... 87 13 – 47 53 4 ( ) 56 42 2

East North Central ............................................................ 93 7 – 82 18 1 86 12 2

West North Central ........................................................... 95 – – 87 – – 86 – –

South Atlantic .................................................................... 94 – – 77 23 4 ( ) 83 15 2

East South Central ............................................................ 96 – – 74 26 – 89 10 1

West South Central ........................................................... 97 2 4 ( ) 85 15 – 87 12 1

Mountain ........................................................................... 95 5 4 ( ) 87 – – 77 20 3

Pacific ............................................................................... 91 9 – 81 19 – 89 11 4 ( )

1 The deductible is the amount of covered expenses that an individual or family must pay before

any charges are paid by the medical care plan. Deductibles that apply separately to a specific

category of expenses, such as deductible for each hospital admission, were excluded. 2 Represents the initial coinsurance in plans that have 100 percent coverage after the individual

pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the

individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent. 3 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. 4 Less than 0.5 percent.

5 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 6. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National Compensation

Survey, 2009

Characteristics

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ........................................................................ 0.7 0.7 0.1 1.5 1.5 0.1 1.1 1.0 0.3

Management, professional, and related ............................ 1.4 1.4 4 ( ) 2.5 2.5 – 2.1 1.9 0.6

Management, business, and financial ........................... 0.7 0.7 4 ( ) 2.8 2.8 – 1.6 1.4 1.4

Professional and related ............................................... 2.2 2.2 4 ( ) 3.1 3.1 – 3.0 3.0 0.5

Service .............................................................................. 2.7 2.6 0.5 2.9 2.9 – 3.4 3.5 0.4

Protective service .......................................................... 1.1 – – 14.4 – – 14.6 – –

Sales and office ................................................................ 1.0 1.0 0.1 2.0 2.0 0.2 1.8 1.7 0.4

Sales and related .......................................................... 1.1 1.1 4 ( ) 3.1 3.1 0.3 2.8 2.8 0.2

Office and administrative support ................................. 1.6 1.6 0.1 2.2 2.1 0.2 2.0 1.9 0.6

Natural resources, construction, and maintenance ........... 2.9 – – 3.5 3.5 – 3.0 3.0 0.4

Construction, extraction, farming, fishing, and forestry 2.6 – – 5.1 5.1 – 4.0 4.0 –

Installation, maintenance, and repair ............................ 5.0 – – 4.8 4.8 – 4.8 4.6 0.9

Production, transportation, and material moving .............. 1.1 1.1 0.1 2.8 2.8 0.2 2.8 2.5 0.9

Production ..................................................................... 1.3 1.3 0.2 3.5 3.5 – 3.5 3.1 1.2

Transportation and material moving ............................. 1.9 – – 4.1 4.2 0.4 4.6 4.1 1.4

Full time ............................................................................ 0.8 0.8 0.1 1.7 1.7 0.1 1.2 1.1 0.3

Part time ............................................................................ 5.6 – – 5.6 – – 5.5 5.5 0.5

Union ................................................................................. 2.8 2.8 – 3.3 3.3 – 3.2 3.5 1.2

Nonunion ........................................................................... 0.8 0.8 0.1 1.6 1.6 0.1 1.2 1.1 0.3

Average wage within the following categories:5

Lowest 25 percent ......................................................... 2.7 2.6 0.5 3.2 3.2 – 2.2 2.4 0.7

Second 25 percent ........................................................ 1.0 1.0 0.1 2.9 2.9 0.2 1.9 1.7 0.9

Third 25 percent ............................................................ 1.1 1.1 4 ( ) 2.6 2.6 0.1 1.7 1.7 0.3

Highest 25 percent ........................................................ 1.3 1.3 4 ( ) 2.1 2.1 0.1 2.0 2.0 0.4

Highest 10 percent .................................................... 2.2 2.2 0.1 2.8 2.8 – 3.0 2.9 0.2

Establishment characteristic

Goods-producing industries .............................................. 1.7 1.7 4 ( ) 2.6 2.6 – 2.2 2.0 0.5

Construction .................................................................. 5.0 – – 5.1 5.1 – 3.1 3.1 –

Manufacturing ............................................................... 1.7 1.7 0.1 3.1 3.1 – 2.7 2.5 0.7

Service-providing industries .............................................. 0.8 0.8 0.1 1.6 1.6 0.1 1.2 1.2 0.4

Trade, transportation, and utilities ................................. 0.9 0.9 – 2.3 2.3 0.3 2.2 2.2 0.3

Retail trade ................................................................ 1.0 1.0 – 3.3 3.3 – 2.8 2.8 –

Transportation and warehousing .............................. 2.2 – – 7.3 7.3 – 7.0 7.0 –

Information .................................................................... 1.2 – – 6.4 6.4 – 3.8 3.6 1.0

Financial activities ......................................................... 2.0 2.0 – 2.4 2.4 – 2.3 2.1 0.9

Finance and insurance .............................................. 2.4 2.4 – 2.7 2.7 – 2.7 2.5 1.1

Credit intermediation and related activities ........... 3.6 3.6 – 3.9 3.9 – 2.8 2.8 0.1

Insurance carriers and related activities ............... 3.3 – – 3.7 3.7 – 4.5 3.4 2.8

Professional and business services .............................. 2.4 – – 4.0 4.0 – 4.2 4.1 0.7

Professional and technical services .......................... 3.1 – – 5.3 5.3 – 5.6 5.6 –

Education and health services ...................................... 2.6 2.6 – 3.5 3.5 – 3.7 3.5 1.0

Educational services ................................................. 0.9 0.9 – 4.2 4.2 – 4.7 4.7 –

Junior colleges, colleges, and universities ............ 1.2 1.2 – 4.1 4.1 – 4.8 4.8 –

Health care and social assistance ............................ 2.9 2.9 – 4.2 4.2 – 4.1 3.8 1.2

See footnotes at end of table.
Table 6. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National Compensation

Survey, 2009—Continued

Characteristics

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 0.7 0.6 0.2 2.2 2.2 0.2 1.8 1.8 0.5

1 to 49 workers ............................................................. 0.8 0.8 – 2.7 2.7 0.2 2.2 2.1 0.6

50 to 99 workers ........................................................... 1.2 – – 3.3 3.3 0.2 2.7 2.7 0.8

100 workers or more ......................................................... 1.2 1.2 4 ( ) 1.8 1.8 – 1.3 1.2 0.4

100 to 499 workers ....................................................... 1.6 1.6 – 3.1 3.1 – 2.0 1.9 0.5

500 workers or more ..................................................... 1.8 1.8 4 ( ) 2.2 2.2 – 1.7 2.1 0.9

Geographic area

New England ..................................................................... 10.2 – – 5.9 5.9 – 6.0 5.6 0.5

Middle Atlantic ................................................................... 1.6 1.6 – 4.5 4.5 0.2 2.1 2.3 1.3

East North Central ............................................................ 1.6 1.6 – 2.6 2.5 0.4 2.2 1.9 0.8

West North Central ........................................................... 2.4 – – 4.2 – – 4.9 – –

South Atlantic .................................................................... 2.2 – – 2.4 2.5 0.1 2.9 3.0 1.0

East South Central ............................................................ 1.3 – – 6.6 6.6 – 2.6 2.8 1.4

West South Central ........................................................... 0.8 0.6 0.4 2.4 2.4 – 3.1 3.1 0.5

Mountain ........................................................................... 1.5 1.5 0.2 4.2 – – 5.0 3.9 1.6

Pacific ............................................................................... 1.0 1.0 – 3.0 3.0 – 2.5 2.5 0.1

1 The deductible is the amount of covered expenses that an individual or family must pay before

any charges are paid by the medical care plan. Deductibles that apply separately to a specific

category of expenses, such as deductible for each hospital admission, were excluded. 2 Represents the initial coinsurance in plans that have 100 percent coverage after the individual

pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the

individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent. 3 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.

4 Less than 0.05. 5 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible,1

 private industry workers, National Compensation Survey, 2009

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Worker characteristic

All workers ........................................................................ 100 93 – – 55 $500 $1,000 $550 – 7 2 ( )

Management, professional, and related ............................ 100 93 – – 52 500 1,000 500 – 7 2 ( )

Management, business, and financial ........................... 100 96 – – 57 500 1,000 – – 4 2 ( )

Professional and related ............................................... 100 92 – – 49 450 1,000 500 – 8 2 ( )

Service .............................................................................. 100 87 – – 50 500 1,000 – – 12 2 ( )

Protective service .......................................................... 100 98 – – 59 – 500 – – – –

Sales and office ................................................................ 100 94 – – 61 500 1,000 – – 6 2 ( )

Sales and related .......................................................... 100 96 – – 65 500 1,000 – – 4 2 ( )

Office and administrative support ................................. 100 93 – – 59 500 – 600 – 7 2 ( )

Natural resources, construction, and maintenance ........... 100 92 – – 53 – 1,000 – – – –

Construction, extraction, farming, fishing, and forestry 100 94 – – 50 – – – – – –

Installation, maintenance, and repair ............................ 100 89 34 $500 56 500 1,000 – – – –

Production, transportation, and material moving .............. 100 93 – – 54 500 – – – 7 2 ( )

Production ..................................................................... 100 92 – – 56 500 1,000 – – 8 2 ( )

Transportation and material moving ............................. 100 94 – – 52 500 800 – – – –

Full time ............................................................................ 100 93 – – 55 500 1,000 550 – 7 2 ( )

Part time ............................................................................ 100 86 33 300 52 500 600 – – – –

Union ................................................................................. 100 84 – – 50 300 600 200 – 16 –

Nonunion ........................................................................... 100 94 – – 56 500 1,000 600 – 6 2 ( )

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 90 – – 51 500 1,000 – – 10 2 ( )

Second 25 percent ........................................................ 100 93 33 500 60 500 1,000 600 1 7 2 ( )

Third 25 percent ............................................................ 100 94 – – 53 500 1,000 600 – 6 2 ( )

Highest 25 percent ........................................................ 100 92 – – 55 500 800 – – 7 2 ( )

Highest 10 percent .................................................... 100 92 – – 55 450 750 500 – 8 2 ( )

Establishment characteristic

Goods-producing industries .............................................. 100 92 – – 52 500 1,000 – – 8 2 ( )

Construction .................................................................. 100 91 43 350 48 – – – – – –

Manufacturing ............................................................... 100 91 – – 54 500 – – – 9 2 ( )

Service-providing industries .............................................. 100 93 37 500 56 500 1,000 600 2 () 7 2 ( )

Trade, transportation, and utilities ................................. 100 95 31 500 64 500 1,000 600 – 5 –

Retail trade ................................................................ 100 94 29 500 65 500 1,000 – – 6 –

Transportation and warehousing .............................. 100 95 35 500 61 – – – – – –

Information .................................................................... 100 97 – – 66 250 600 – – – –

Financial activities ......................................................... 100 92 – – 57 500 1,000 800 – 8 –

Finance and insurance .............................................. 100 90 – – 57 500 1,000 800 – 10 –

Credit intermediation and related activities ........... 100 86 31 500 55 – 1,000 800 – 14 –

Insurance carriers and related activities ............... 100 95 – – 60 – 1,000 – – – –

Professional and business services .............................. 100 95 40 500 55 500 – – – – –

Professional and technical services .......................... 100 96 46 – 49 – – – – – –

Education and health services ...................................... 100 89 – – 51 500 1,000 350 – 11 –

Educational services ................................................. 100 95 – – 59 – 1,000 250 – 5 –

Junior colleges, colleges, and universities ............ 100 92 – – 69 500 800 250 – 8 –

Health care and social assistance ............................ 100 88 – – 50 500 1,000 – – 12 –

See footnotes at end of table.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible,1

 private industry workers, National Compensation Survey,

2009—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 100 97 – – 54 $500 $1,000 – – 3 2 ( )

1 to 49 workers ............................................................. 100 96 45 – 51 500 1,000 $1,000 – 4 –

50 to 99 workers ........................................................... 100 97 – – 63 500 1,000 600 – – –

100 workers or more ......................................................... 100 89 – – 56 – 750 – – 10 2 ( )

100 to 499 workers ....................................................... 100 92 – – 58 500 – – – 8 –

500 workers or more ..................................................... 100 85 – – 53 375 600 – – 14 2 ( )

Geographic area

New England ..................................................................... 100 86 23 – 63 – 750 – – – –

Middle Atlantic ................................................................... 100 87 – – 50 500 1,000 – – 13 –

East North Central ............................................................ 100 93 – – 62 500 1,000 – – 7 –

West North Central ........................................................... 100 95 45 – 50 500 – – – – –

South Atlantic .................................................................... 100 94 – – 64 500 1,000 500 – – –

East South Central ............................................................ 100 96 46 – 51 – 1,000 750 – – –

West South Central ........................................................... 100 97 44 $500 53 500 1,000 – – 2 2 ( )

Mountain ........................................................................... 100 95 – – 55 500 1,000 – – 5 2 ( )

Pacific ............................................................................... 100 91 47 500 – – – – – 9 –

1 The deductible is the amount of covered expenses that an individual or family must pay before any charges are

paid by the medical care plan. Deductibles that apply separately to a specific category of expenses, such as

deductible for each hospital admission, were excluded. 2 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include workers both

above and below the threshold. The average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible,1

 private industry workers, National

Compensation Survey, 2009

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Worker characteristic

All workers ........................................................................ 0.7 – – 1.5 $0.00 $0.00 $78.49 – 0.7 0.1

Management, professional, and related ............................ 1.4 – – 2.5 0.00 49.05 134.16 – 1.4 2 ( )

Management, business, and financial ........................... 0.7 – – 3.2 38.00 0.00 – – 0.7 2 ( )

Professional and related ............................................... 2.2 – – 3.3 96.12 209.56 19.62 – 2.2 2 ( )

Service .............................................................................. 2.7 – – 6.0 0.00 48.06 – – 2.6 0.5

Protective service .......................................................... 1.1 – – 15.0 – 0.00 – – – –

Sales and office ................................................................ 1.0 – – 2.6 0.00 84.39 – – 1.0 0.1

Sales and related .......................................................... 1.1 – – 3.3 0.00 0.00 – – 1.1 2 ( )

Office and administrative support ................................. 1.6 – – 3.2 0.00 – 16.99 – 1.6 0.1

Natural resources, construction, and maintenance ........... 2.9 – – 3.7 – 110.56 – – – –

Construction, extraction, farming, fishing, and forestry 2.6 – – 5.5 – – – – – –

Installation, maintenance, and repair ............................ 5.0 5.4 $0.00 5.7 94.10 110.56 – – – –

Production, transportation, and material moving .............. 1.1 – – 3.4 0.00 – – – 1.1 0.1

Production ..................................................................... 1.3 – – 3.8 19.62 191.32 – – 1.3 0.2

Transportation and material moving ............................. 1.9 – – 4.9 53.74 178.33 – – – –

Full time ............................................................................ 0.8 – – 1.5 0.00 0.00 77.25 – 0.8 0.1

Part time ............................................................................ 5.6 4.5 67.97 7.7 87.75 84.39 – – – –

Union ................................................................................. 2.8 – – 4.4 0.00 131.99 29.43 – 2.8 –

Nonunion ........................................................................... 0.8 – – 1.7 0.00 0.00 92.55 – 0.8 0.1

Average wage within the following categories:3

Lowest 25 percent ......................................................... 2.7 – – 4.0 0.00 180.90 – – 2.6 0.5

Second 25 percent ........................................................ 1.0 2.2 0.00 2.4 0.00 0.00 153.56 0.2 1.0 0.1

Third 25 percent ............................................................ 1.1 – – 2.6 0.00 0.00 168.22 – 1.1 2 ( )

Highest 25 percent ........................................................ 1.3 – – 2.1 0.00 97.62 – – 1.3 2 ( )

Highest 10 percent .................................................... 2.2 – – 3.3 90.98 61.35 146.18 – 2.2 0.1

Establishment characteristic

Goods-producing industries .............................................. 1.7 – – 3.1 0.00 130.89 – – 1.7 2 ( )

Construction .................................................................. 5.0 7.3 59.68 6.9 – – – – – –

Manufacturing ............................................................... 1.7 – – 3.4 0.00 – – – 1.7 0.1

Service-providing industries .............................................. 0.8 1.7 0.00 2.0 0.00 0.00 98.60 0.1 0.8 0.1

Trade, transportation, and utilities ................................. 0.9 2.3 64.33 2.5 0.00 46.02 0.00 – 0.9 –

Retail trade ................................................................ 1.0 3.5 0.00 3.6 0.00 151.99 – – 1.0 –

Transportation and warehousing .............................. 2.2 6.4 55.50 6.9 – – – – – –

Information .................................................................... 1.2 – – 6.3 70.75 116.08 – – – –

Financial activities ......................................................... 2.0 – – 3.6 24.03 0.00 0.00 – 2.0 –

Finance and insurance .............................................. 2.4 – – 3.6 52.83 83.25 0.00 – 2.4 –

Credit intermediation and related activities ........... 3.6 3.8 43.87 4.2 – 172.18 0.00 – 3.6 –

Insurance carriers and related activities ............... 3.3 – – 6.7 – 137.35 – – – –

Professional and business services .............................. 2.4 5.1 0.00 5.6 0.00 – – – – –

Professional and technical services .......................... 3.1 6.8 – 7.3 – – – – – –

Education and health services ...................................... 2.6 – – 5.0 0.00 0.00 103.83 – 2.6 –

Educational services ................................................. 0.9 – – 6.5 – 152.93 0.00 – 0.9 –

Junior colleges, colleges, and universities ............ 1.2 – – 4.3 55.50 158.50 0.00 – 1.2 –

Health care and social assistance ............................ 2.9 – – 5.8 0.00 0.00 – – 2.9 –

See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible,1

 private industry workers, National

Compensation Survey, 2009—Continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 0.7 – – 3.0 $27.75 $0.00 – – 0.6 0.2

1 to 49 workers ............................................................. 0.8 3.3 – 3.5 41.62 0.00 $124.10 – 0.8 –

50 to 99 workers ........................................................... 1.2 – – 4.3 71.42 96.12 179.83 – – –

100 workers or more ......................................................... 1.2 – – 1.7 – 57.38 – – 1.2 2 ( )

100 to 499 workers ....................................................... 1.6 – – 2.5 27.75 – – – 1.6 –

500 workers or more ..................................................... 1.8 – – 2.3 69.02 36.71 – – 1.8 2 ( )

Geographic area

New England ..................................................................... 10.2 5.2 – 5.8 – 204.62 – – – –

Middle Atlantic ................................................................... 1.6 – – 3.6 0.00 148.14 – – 1.6 –

East North Central ............................................................ 1.6 – – 3.5 0.00 0.00 – – 1.6 –

West North Central ........................................................... 2.4 3.7 – 4.9 0.00 – – – – –

South Atlantic .................................................................... 2.2 – – 3.6 0.00 142.51 98.11 – – –

East South Central ............................................................ 1.3 6.4 – 7.2 – 161.80 96.12 – – –

West South Central ........................................................... 0.8 4.3 $0.00 4.1 0.00 0.00 – – 0.6 0.4

Mountain ........................................................................... 1.5 – – 3.8 0.00 208.12 – – 1.5 0.2

Pacific ............................................................................... 1.0 4.4 29.43 – – – – – 1.0 –

1 The deductible is the amount of covered expenses that an individual or family must pay before any

charges are paid by the medical care plan. Deductibles that apply separately to a specific category of

expenses, such as deductible for each hospital admission, were excluded. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

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/glossary20092010.htm.
Table 8. Fee-for-service plans: Amount of annual individual deductible,1

 private industry workers, National Compensation Survey, 2009

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 93 $200 $300 $500 $1,000 $2,000 7 2 ( )

Management, professional, and related ............................ 100 93 200 300 500 1,000 1,800 7 2 ( )

Management, business, and financial ........................... 100 96 200 300 500 1,500 2,000 4 2 ( )

Professional and related ............................................... 100 92 250 300 500 1,000 1,500 8 2 ( )

Service .............................................................................. 100 87 – – – – – 12 2 ( )

Protective service .......................................................... 100 98 – – – – –– –

Sales and office ................................................................ 100 94 250 300 500 1,000 2,000 6 2 ( )

Sales and related .......................................................... 100 96 – – – – –4 2 ( )

Office and administrative support ................................. 100 93 250 300 500 1,000 2,000 7 2 ( )

Natural resources, construction, and maintenance ........... 100 92 200 250 500 1,000 2,000 – –

Construction, extraction, farming, fishing, and forestry 100 94 200 250 450 1,000 2,000 – –

Installation, maintenance, and repair ............................ 100 89 200 300 500 1,000 2,000 – –

Production, transportation, and material moving .............. 100 93 200 300 500 1,000 2,000 7 2 ( )

Production ..................................................................... 100 92 200 300 500 1,000 2,000 8 2 ( )

Transportation and material moving ............................. 100 94 200 250 500 1,000 1,500 – –

Full time ............................................................................ 100 93 200 300 500 1,000 2,000 7 2 ( )

Part time ............................................................................ 100 86 200 250 350 500 1,000 – –

Union ................................................................................. 100 84 150 200 300 450 1,000 16 –

Nonunion ........................................................................... 100 94 250 300 500 1,000 2,000 6 2 ( )

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 90 250 300 500 1,000 2,000 10 2 ( )

Second 25 percent ........................................................ 100 93 250 300 500 1,000 2,000 7 2 ( )

Third 25 percent ............................................................ 100 94 200 275 500 1,000 2,000 6 2 ( )

Highest 25 percent ........................................................ 100 92 200 250 500 1,000 1,600 7 2 ( )

Highest 10 percent .................................................... 100 92 150 250 500 1,000 1,600 8 2 ( )

Establishment characteristic

Goods-producing industries .............................................. 100 92 200 300 500 1,000 2,000 8 2 ( )

Construction .................................................................. 100 91 – – – – –– –

Manufacturing ............................................................... 100 91 200 300 500 1,000 1,500 9 2 ( )

Service-providing industries .............................................. 100 93 200 300 500 1,000 2,000 7 2 ( )

Trade, transportation, and utilities ................................. 100 95 200 300 500 1,000 1,500 5 –

Retail trade ................................................................ 100 94 200 300 500 1,000 2,000 6 –

Transportation and warehousing .............................. 100 95 150 250 500 1,000 1,500 – –

Information .................................................................... 100 97 – – – – –– –

Financial activities ......................................................... 100 92 250 300 600 1,300 2,000 8 –

Finance and insurance .............................................. 100 90 250 300 550 1,250 1,800 10 –

Credit intermediation and related activities ........... 100 86 250 300 550 1,200 2,000 14 –

Insurance carriers and related activities ............... 100 95 300 400 750 1,300 1,750 – –

Professional and business services .............................. 100 95 200 300 500 1,000 2,000 – –

Professional and technical services .......................... 100 96 – – – – –– –

Education and health services ...................................... 100 89 250 250 500 1,000 1,500 11 –

Educational services ................................................. 100 95 250 250 500 1,000 1,000 5 –

Junior colleges, colleges, and universities ............ 100 92 200 250 500 1,000 1,500 8 –

Health care and social assistance ............................ 100 88 250 250 500 1,000 1,500 12 –

See footnotes at end of table.
Table 8. Fee-for-service plans: Amount of annual individual deductible,1

 private industry workers, National Compensation Survey,

2009—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 97 $250 $300 $500 $1,000 $2,000 3 2 ( )

1 to 49 workers ............................................................. 100 96 250 300 500 1,100 2,000 4 –

50 to 99 workers ........................................................... 100 97 250 300 500 1,000 2,000 – –

100 workers or more ......................................................... 100 89 200 250 400 750 1,500 10 2 ( )

100 to 499 workers ....................................................... 100 92 200 250 500 750 1,500 8 –

500 workers or more ..................................................... 100 85 200 250 325 750 1,500 14 2 ( )

Geographic area

New England ..................................................................... 100 86 200 250 400 1,000 1,600 – –

Middle Atlantic ................................................................... 100 87 200 250 500 1,200 2,500 13 –

East North Central ............................................................ 100 93 200 275 500 1,000 2,000 7 –

West North Central ........................................................... 100 95 250 300 500 1,000 2,000 – –

South Atlantic .................................................................... 100 94 250 300 500 1,000 2,000 – –

East South Central ............................................................ 100 96 – – – – –– –

West South Central ........................................................... 100 97 250 300 500 1,000 2,000 2 2 ( )

Mountain ........................................................................... 100 95 – – – – –5 2 ( )

Pacific ............................................................................... 100 91 150 250 500 750 1,250 9 –

1 The deductible is the amount of covered expenses that an individual or family must pay before any

charges are paid by the medical care plan. Deductibles that apply separately to a specific category of

expenses, such as deductible for each hospital admission, were excluded. 2 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 8. Standard errors for fee-for-service plans: Amount of annual individual deductible,1

 private industry workers, National

Compensation Survey, 2009

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 0.7 $0.00 $0.00 $0.00 $0.00 $242.70 0.7 0.1

Management, professional, and related ............................ 1.4 63.96 9.81 0.00 137.00 341.95 1.4 2 ( )

Management, business, and financial ........................... 0.7 41.91 0.00 118.57 133.08 58.86 0.7 2 ( )

Professional and related ............................................... 2.2 64.39 64.52 0.00 0.00 0.00 2.2 2 ( )

Service .............................................................................. 2.7 – – – – – 2.6 0.5

Protective service .......................................................... 1.1 – – – – – – –

Sales and office ................................................................ 1.0 70.92 0.00 0.00 0.00 423.68 1.0 0.1

Sales and related .......................................................... 1.1 – – – – – 1.1 2 ( )

Office and administrative support ................................. 1.6 9.81 0.00 0.00 48.06 242.51 1.6 0.1

Natural resources, construction, and maintenance ........... 2.9 58.04 62.05 0.00 87.20 0.00 – –

Construction, extraction, farming, fishing, and forestry 2.6 67.26 65.08 86.09 131.62 98.11 – –

Installation, maintenance, and repair ............................ 5.0 65.81 22.71 0.00 277.32 404.51 – –

Production, transportation, and material moving .............. 1.1 0.00 24.53 0.00 0.00 191.75 1.1 0.1

Production ..................................................................... 1.3 65.81 0.00 0.00 101.48 825.09 1.3 0.2

Transportation and material moving ............................. 1.9 48.06 24.03 80.30 0.00 392.92 – –

Full time ............................................................................ 0.8 13.87 0.00 0.00 0.00 115.77 0.8 0.1

Part time ............................................................................ 5.6 16.99 0.00 110.56 19.62 238.10 – –

Union ................................................................................. 2.8 0.00 0.00 27.75 82.67 199.86 2.8 –

Nonunion ........................................................................... 0.8 19.72 0.00 0.00 0.00 0.00 0.8 0.1

Average wage within the following categories:3

Lowest 25 percent ......................................................... 2.7 35.37 0.00 0.00 75.36 470.51 2.6 0.5

Second 25 percent ........................................................ 1.0 0.00 0.00 0.00 0.00 0.00 1.0 0.1

Third 25 percent ............................................................ 1.1 0.00 44.69 0.00 0.00 450.97 1.1 2 ( )

Highest 25 percent ........................................................ 1.3 31.79 51.21 0.00 0.00 100.05 1.3 2 ( )

Highest 10 percent .................................................... 2.2 56.36 20.81 50.02 55.50 151.99 2.2 0.1

Establishment characteristic

Goods-producing industries .............................................. 1.7 9.81 4.91 0.00 0.00 237.49 1.7 2 ( )

Construction .................................................................. 5.0 – – – – – – –

Manufacturing ............................................................... 1.7 34.38 0.00 0.00 0.00 536.19 1.7 0.1

Service-providing industries .............................................. 0.8 13.87 4.91 0.00 0.00 444.42 0.8 0.1

Trade, transportation, and utilities ................................. 0.9 10.97 9.81 0.00 0.00 433.12 0.9 –

Retail trade ................................................................ 1.0 53.74 0.00 0.00 286.20 690.24 1.0 –

Transportation and warehousing .............................. 2.2 44.96 37.36 19.62 131.99 615.50 – –

Information .................................................................... 1.2 – – – – – – –

Financial activities ......................................................... 2.0 6.94 25.96 170.49 229.87 67.97 2.0 –

Finance and insurance .............................................. 2.4 0.00 0.00 89.38 87.20 296.60 2.4 –

Credit intermediation and related activities ........... 3.6 25.96 8.50 60.48 197.92 384.50 3.6 –

Insurance carriers and related activities ............... 3.3 51.91 19.62 353.46 188.97 210.87 – –

Professional and business services .............................. 2.4 62.05 47.05 0.00 212.46 568.68 – –

Professional and technical services .......................... 3.1 – – – – – – –

Education and health services ...................................... 2.6 0.00 63.77 0.00 0.00 339.85 2.6 –

Educational services ................................................. 0.9 50.98 16.99 0.00 0.00 0.00 0.9 –

Junior colleges, colleges, and universities ............ 1.2 63.58 9.81 19.62 98.11 208.12 1.2 –

Health care and social assistance ............................ 2.9 0.00 80.30 0.00 0.00 637.70 2.9 –

See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Amount of annual individual deductible,1

 private industry workers, National

Compensation Survey, 2009—Continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 0.7 $46.02 $33.99 $95.12 $157.28 $0.00 0.6 0.2

1 to 49 workers ............................................................. 0.8 60.48 77.25 164.46 201.78 69.37 0.8 –

50 to 99 workers ........................................................... 1.2 25.96 34.34 50.02 19.62 478.42 – –

100 workers or more ......................................................... 1.2 0.00 9.81 50.86 223.93 19.62 1.2 2 ( )

100 to 499 workers ....................................................... 1.6 16.99 9.81 89.92 237.29 388.98 1.6 –

500 workers or more ..................................................... 1.8 4.91 0.00 58.04 274.00 0.00 1.8 2 ( )

Geographic area

New England ..................................................................... 10.2 57.21 38.00 152.93 141.49 141.49 – –

Middle Atlantic ................................................................... 1.6 39.24 24.03 117.73 235.66 1,225.47 1.6 –

East North Central ............................................................ 1.6 67.72 42.48 0.00 48.06 271.88 1.6 –

West North Central ........................................................... 2.4 42.81 43.87 43.87 217.39 0.00 – –

South Atlantic .................................................................... 2.2 0.00 0.00 0.00 0.00 306.38 – –

East South Central ............................................................ 1.3 – – – – – – –

West South Central ........................................................... 0.8 13.87 0.00 0.00 0.00 355.63 0.6 0.4

Mountain ........................................................................... 1.5 – – – – – 1.5 0.2

Pacific ............................................................................... 1.0 24.03 0.00 155.74 330.81 304.13 1.0 –

1 The deductible is the amount of covered expenses that an individual or family must pay before

any charges are paid by the medical care plan. Deductibles that apply separately to a specific

category of expenses, such as deductible for each hospital admission, were excluded. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 9. Fee-for-service plans: Type and amount of annual family deductible,1

 private industry workers, National Compensation Survey, 2009

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Worker characteristic

All workers ........................................................................ 100 88 – – 53 $1,200 $2,000 $1,500 – 12 2 ( )

Management, professional, and related ............................ 100 89 – – 51 1,050 2,000 – – 11 2 ( )

Management, business, and financial ........................... 100 88 – – 56 1,250 – – – 12 2 ( )

Professional and related ............................................... 100 90 – – 48 1,000 2,000 – – 10 2 ( )

Service .............................................................................. 100 74 – – 45 1,000 2,000 – – 25 2 ( )

Protective service .......................................................... 100 80 – – – – – – – – –

Sales and office ................................................................ 100 90 – – 59 1,200 2,000 – – 10 2 ( )

Sales and related .......................................................... 100 94 – – 63 – 2,000 – – 6 2 ( )

Office and administrative support ................................. 100 88 – – 56 1,200 2,000 1,800 – 12 2 ( )

Natural resources, construction, and maintenance ........... 100 88 – – 52 1,500 – – – 12 –

Construction, extraction, farming, fishing, and forestry 100 89 – – 49 – – – – – –

Installation, maintenance, and repair ............................ 100 88 33 – 55 1,500 – – – – –

Production, transportation, and material moving .............. 100 88 – – 52 1,200 2,000 – – 12 2 ( )

Production ..................................................................... 100 84 – – 54 – 2,000 – – 15 2 ( )

Transportation and material moving ............................. 100 92 – – 50 1,200 – – – 8 –

Full time ............................................................................ 100 89 – – 54 1,200 2,000 1,500 – 11 2 ( )

Part time ............................................................................ 100 71 27 $750 44 – 1,800 – – 29 –

Union ................................................................................. 100 78 – – 48 600 1,200 – – 22 –

Nonunion ........................................................................... 100 89 – – 54 1,250 2,000 1,600 – 11 2 ( )

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 76 – – 45 – 2,000 – – 23 2 ( )

Second 25 percent ........................................................ 100 89 30 – 58 1,500 – 1,600 1 11 2 ( )

Third 25 percent ............................................................ 100 90 – – 52 1,200 2,000 1,800 – 10 2 ( )

Highest 25 percent ........................................................ 100 88 – – 53 1,000 1,800 – – 12 2 ( )

Highest 10 percent .................................................... 100 89 – – 54 1,000 1,600 – – 11 2 ( )

Establishment characteristic

Goods-producing industries .............................................. 100 88 – – 51 1,500 2,000 – – 12 2 ( )

Construction .................................................................. 100 86 38 750 48 – 3,000 – – – –

Manufacturing ............................................................... 100 87 – – 53 – 1,650 – – 12 2 ( )

Service-providing industries .............................................. 100 88 34 1,500 54 1,100 2,000 1,600 2 ( ) 12 2 ( )

Trade, transportation, and utilities ................................. 100 91 29 1,000 61 1,200 2,000 – – 9 –

Retail trade ................................................................ 100 90 27 – 63 1,500 2,000 – – 10 –

Transportation and warehousing .............................. 100 92 35 1,500 57 – – – – 8 –

Information .................................................................... 100 95 – – 66 600 1,200 – – – –

Financial activities ......................................................... 100 90 – – 56 1,500 – 1,600 – 10 –

Finance and insurance .............................................. 100 88 – – 56 1,500 – 1,600 – 12 –

Credit intermediation and related activities ........... 100 84 31 – 53 – – 1,600 – 16 –

Insurance carriers and related activities ............... 100 94 – – 60 1,500 3,000 – – – –

Professional and business services .............................. 100 90 40 1,500 50 1,000 2,000 – – – –

Professional and technical services .......................... 100 92 46 1,500 46 – 2,000 – – – –

Education and health services ...................................... 100 85 – – 50 1,500 3,000 – – 15 –

Educational services ................................................. 100 93 – – 59 1,500 2,250 750 – 7 –

Junior colleges, colleges, and universities ............ 100 91 – – 69 1,500 2,000 750 – 9 –

Health care and social assistance ............................ 100 84 – – 49 – 3,000 – – 16 –

See footnotes at end of table.
Table 9. Fee-for-service plans: Type and amount of annual family deductible,1

 private industry workers, National Compensation Survey,

2009—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 100 89 – – 51 $1,500 $3,000 – – 11 2 ( )

1 to 49 workers ............................................................. 100 88 41 $1,500 48 1,500 3,000 $3,000 – 12 –

50 to 99 workers ........................................................... 100 91 – – 62 1,500 – 1,800 – – –

100 workers or more ......................................................... 100 86 – – 54 1,000 1,600 1,050 – 14 2 ( )

100 to 499 workers ....................................................... 100 89 – – 57 1,000 2,000 – – 11 –

500 workers or more ..................................................... 100 83 – – 52 800 1,500 – – 17 2 ( )

Geographic area

New England ..................................................................... 100 79 21 – 58 1,200 2,000 1,800 – – –

Middle Atlantic ................................................................... 100 83 – – 47 – 2,000 – – 17 –

East North Central ............................................................ 100 89 – – 59 1,200 2,200 – – 11 –

West North Central ........................................................... 100 88 39 1,500 49 1,200 2,000 – – 12 –

South Atlantic .................................................................... 100 88 – – 63 1,200 – 1,500 – 12 –

East South Central ............................................................ 100 90 40 – 50 – – 1,500 – – –

West South Central ........................................................... 100 90 40 1,500 50 1,500 – – – 10 2 ( )

Mountain ........................................................................... 100 91 – – 55 1,000 2,000 3,000 – 9 2 ( )

Pacific ............................................................................... 100 87 45 – – – – – – 13 –

1 The deductible is the amount of covered expenses that an individual or family must pay before any charges are

paid by the medical care plan. Deductibles that apply separately to a specific category of expenses, such as deductible

for each hospital admission, were excluded. 2 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include workers both

above and below the threshold. The average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual family deductible,1

 private industry workers, National

Compensation Survey, 2009

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Worker characteristic

All workers ........................................................................ 1.0 – – 1.5 $164.16 $0.00 $159.41 – 1.0 0.1

Management, professional, and related ............................ 1.7 – – 2.5 248.14 488.47 – – 1.7 2 ( )

Management, business, and financial ........................... 2.2 – – 3.3 356.31 – – – 2.2 2 ( )

Professional and related ............................................... 2.3 – – 3.5 150.48 299.83 – – 2.3 2 ( )

Service .............................................................................. 4.6 – – 5.9 0.00 39.24 – – 4.6 0.5

Protective service .......................................................... 10.9 – – – – – – – – –

Sales and office ................................................................ 1.3 – – 2.7 234.02 165.04 – – 1.3 0.1

Sales and related .......................................................... 0.9 – – 3.6 – 302.70 – – 0.9 2 ( )

Office and administrative support ................................. 2.0 – – 3.2 249.55 169.36 207.65 – 2.0 0.1

Natural resources, construction, and maintenance ........... 3.1 – – 3.7 189.22 – – – 3.1 –

Construction, extraction, farming, fishing, and forestry 3.4 – – 5.5 – – – – – –

Installation, maintenance, and repair ............................ 5.0 5.5 – 5.6 192.50 – – – – –

Production, transportation, and material moving .............. 1.6 – – 3.1 351.96 416.70 – – 1.6 0.1

Production ..................................................................... 3.0 – – 3.9 – 302.55 – – 3.0 0.2

Transportation and material moving ............................. 1.9 – – 4.9 327.60 – – – 1.9 –

Full time ............................................................................ 0.9 – – 1.4 183.80 52.83 156.97 – 0.9 0.1

Part time ............................................................................ 4.5 4.3 $137.00 5.3 – 371.77 – – 4.5 –

Union ................................................................................. 2.4 – – 3.6 65.26 0.00 – – 2.4 –

Nonunion ........................................................................... 1.1 – – 1.7 342.81 444.96 229.66 – 1.1 0.1

Average wage within the following categories:3

Lowest 25 percent ......................................................... 4.0 – – 3.7 – 214.27 – – 3.9 0.5

Second 25 percent ........................................................ 1.2 2.0 – 2.3 231.33 – 173.29 0.2 1.2 0.1

Third 25 percent ............................................................ 1.2 – – 2.4 235.66 137.70 456.38 – 1.2 2 ( )

Highest 25 percent ........................................................ 1.6 – – 2.2 89.92 334.28 – – 1.6 2 ( )

Highest 10 percent .................................................... 2.4 – – 3.4 58.86 337.15 – – 2.4 0.1

Establishment characteristic

Goods-producing industries .............................................. 2.1 – – 3.0 369.83 371.51 – – 2.1 2 ( )

Construction .................................................................. 5.3 7.1 221.77 6.9 – 804.96 – – – –

Manufacturing ............................................................... 2.4 – – 3.3 – 457.75 – – 2.4 0.1

Service-providing industries .............................................. 1.1 1.6 151.99 1.9 179.70 27.75 286.37 0.1 1.1 0.1

Trade, transportation, and utilities ................................. 1.4 2.4 9.81 2.8 339.43 250.32 – – 1.4 –

Retail trade ................................................................ 1.7 3.6 – 4.0 405.46 311.79 – – 1.7 –

Transportation and warehousing .............................. 2.4 6.4 242.70 6.9 – – – – 2.4 –

Information .................................................................... 1.5 – – 6.3 0.00 100.05 – – – –

Financial activities ......................................................... 2.1 – – 3.5 384.50 – 0.00 – 2.1 –

Finance and insurance .............................................. 2.4 – – 3.7 384.50 – 0.00 – 2.4 –

Credit intermediation and related activities ........... 3.7 3.8 – 4.5 – – 0.00 – 3.7 –

Insurance carriers and related activities ............... 3.4 – – 6.7 422.66 264.16 – – – –

Professional and business services .............................. 3.4 5.1 98.11 5.6 259.20 291.69 – – – –

Professional and technical services .......................... 3.8 6.8 240.31 7.5 – 444.42 – – – –

Education and health services ...................................... 3.0 – – 5.1 356.64 282.86 – – 3.0 –

Educational services ................................................. 1.8 – – 6.5 187.18 423.68 0.00 – 1.8 –

Junior colleges, colleges, and universities ............ 2.0 – – 4.3 209.73 426.17 0.00 – 2.0 –

Health care and social assistance ............................ 3.4 – – 5.9 – 117.73 – – 3.4 –

See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Type and amount of annual family deductible,1

 private industry workers, National

Compensation Survey, 2009—Continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 1.5 – – 2.8 $0.00 $0.00 – – 1.5 0.2

1 to 49 workers ............................................................. 1.9 3.2 $379.71 3.3 0.00 0.00 $644.83 – 1.9 –

50 to 99 workers ........................................................... 2.3 – – 4.4 0.00 – 146.83 – – –

100 workers or more ......................................................... 1.3 – – 1.6 27.75 316.12 246.05 – 1.3 2 ( )

100 to 499 workers ....................................................... 1.8 – – 2.5 55.50 135.94 – – 1.8 –

500 workers or more ..................................................... 2.1 – – 2.3 121.35 152.30 – – 2.1 2 ( )

Geographic area

New England ..................................................................... 12.2 5.5 – 7.9 200.10 468.87 135.94 – – –

Middle Atlantic ................................................................... 3.9 – – 4.6 – 497.57 – – 3.9 –

East North Central ............................................................ 2.6 – – 3.2 306.18 652.25 – – 2.6 –

West North Central ........................................................... 2.7 4.6 33.99 4.8 341.41 48.06 – – 2.7 –

South Atlantic .................................................................... 2.6 – – 3.9 334.18 – 0.00 – 2.6 –

East South Central ............................................................ 3.4 8.6 – 7.2 – – 192.25 – – –

West South Central ........................................................... 2.2 4.2 0.00 3.4 0.00 – – – 2.3 0.4

Mountain ........................................................................... 2.2 – – 3.8 92.03 553.68 0.00 – 2.2 0.2

Pacific ............................................................................... 1.7 4.7 – – – – – – 1.7 –

1 The deductible is the amount of covered expenses that an individual or family must pay before any charges

are paid by the medical care plan. Deductibles that apply separately to a specific category of expenses, such as

deductible for each hospital admission, were excluded. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation surveyed, which may include workers

both above and below the threshold. The average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 10. Fee-for-service plans: Amount of annual family deductible,1

 private industry workers, National Compensation Survey, 2009

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 88 $450 $600 $1,200 $2,500 $4,000 12 2 ( )

Management, professional, and related ............................ 100 89 500 600 1,200 3,000 3,750 11 2 ( )

Management, business, and financial ........................... 100 88 500 600 1,500 3,000 4,800 12 2 ( )

Professional and related ............................................... 100 90 500 650 1,000 2,500 3,000 10 2 ( )

Service .............................................................................. 100 74 500 600 1,000 1,500 3,000 25 2 ( )

Protective service .......................................................... 100 80 – – – – –– –

Sales and office ................................................................ 100 90 500 600 1,500 2,400 4,000 10 2 ( )

Sales and related .......................................................... 100 94 400 600 1,250 2,250 4,000 6 2 ( )

Office and administrative support ................................. 100 88 500 600 1,500 3,000 4,000 12 2 ( )

Natural resources, construction, and maintenance ........... 100 88 450 600 1,050 3,000 4,000 12 –

Construction, extraction, farming, fishing, and forestry 100 89 400 600 1,000 2,500 4,000 – –

Installation, maintenance, and repair ............................ 100 88 500 750 1,500 3,000 4,500 – –

Production, transportation, and material moving .............. 100 88 400 600 1,000 2,250 4,000 12 2 ( )

Production ..................................................................... 100 84 400 600 1,000 2,000 4,000 15 2 ( )

Transportation and material moving ............................. 100 92 400 600 1,000 2,250 3,000 8 –

Full time ............................................................................ 100 89 480 600 1,200 2,500 4,000 11 2 ( )

Part time ............................................................................ 100 71 450 600 1,000 1,500 2,250 29 –

Union ................................................................................. 100 78 350 450 600 1,000 2,000 22 –

Nonunion ........................................................................... 100 89 500 650 1,500 3,000 4,000 11 2 ( )

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 76 500 700 1,200 2,000 4,000 23 2 ( )

Second 25 percent ........................................................ 100 89 500 600 1,300 2,500 4,000 11 2 ( )

Third 25 percent ............................................................ 100 90 450 600 1,200 3,000 4,000 10 2 ( )

Highest 25 percent ........................................................ 100 88 400 600 1,000 2,200 3,300 12 2 ( )

Highest 10 percent .................................................... 100 89 300 600 1,000 2,400 4,000 11 2 ( )

Establishment characteristic

Goods-producing industries .............................................. 100 88 400 600 1,000 2,250 4,000 12 2 ( )

Construction .................................................................. 100 86 – – – – –– –

Manufacturing ............................................................... 100 87 400 600 1,000 2,000 4,000 12 2 ( )

Service-providing industries .............................................. 100 88 500 600 1,200 2,500 4,000 12 2 ( )

Trade, transportation, and utilities ................................. 100 91 450 600 1,050 2,250 4,000 9 –

Retail trade ................................................................ 100 90 500 600 1,200 2,000 4,000 10 –

Transportation and warehousing .............................. 100 92 400 500 1,500 3,000 4,000 8 –

Information .................................................................... 100 95 – – – – –– –

Financial activities ......................................................... 100 90 550 750 1,500 3,000 4,500 10 –

Finance and insurance .............................................. 100 88 500 750 1,500 3,000 4,000 12 –

Credit intermediation and related activities ........... 100 84 500 600 1,500 3,000 4,000 16 –

Insurance carriers and related activities ............... 100 94 600 1,000 1,500 3,000 4,500 – –

Professional and business services .............................. 100 90 450 750 1,250 3,000 4,000 – –

Professional and technical services .......................... 100 92 – – – – –– –

Education and health services ...................................... 100 85 500 600 1,500 2,500 3,000 15 –

Educational services ................................................. 100 93 500 750 1,500 2,000 3,000 7 –

Junior colleges, colleges, and universities ............ 100 91 500 750 1,500 2,000 3,000 9 –

Health care and social assistance ............................ 100 84 500 600 1,500 3,000 3,000 16 –

See footnotes at end of table.
Table 10. Fee-for-service plans: Amount of annual family deductible,1

 private industry workers, National Compensation Survey,

2009—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 89 $500 $750 $1,500 $3,000 $4,500 11 2 ( )

1 to 49 workers ............................................................. 100 88 500 900 1,500 3,000 4,500 12 –

50 to 99 workers ........................................................... 100 91 500 750 1,500 2,500 4,000 – –

100 workers or more ......................................................... 100 86 400 600 1,000 2,000 3,000 14 2 ( )

100 to 499 workers ....................................................... 100 89 450 600 1,000 2,000 3,000 11 –

500 workers or more ..................................................... 100 83 400 600 900 1,900 3,000 17 2 ( )

Geographic area

New England ..................................................................... 100 79 500 600 1,200 2,100 4,000 – –

Middle Atlantic ................................................................... 100 83 400 500 1,000 2,500 3,000 17 –

East North Central ............................................................ 100 89 400 600 1,000 2,400 4,500 11 –

West North Central ........................................................... 100 88 500 750 1,500 2,250 4,000 12 –

South Atlantic .................................................................... 100 88 500 600 1,200 2,500 4,000 12 –

East South Central ............................................................ 100 90 – – – – –– –

West South Central ........................................................... 100 90 550 750 1,500 3,000 4,000 10 2 ( )

Mountain ........................................................................... 100 91 400 600 1,000 2,250 3,000 9 2 ( )

Pacific ............................................................................... 100 87 400 500 1,000 1,600 3,000 13 –

1 The deductible is the amount of covered expenses that an individual or family must pay before any

charges are paid by the medical care plan. Deductibles that apply separately to a specific category of

expenses, such as deductible for each hospital admission, were excluded. 2 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible,1

 private industry workers, National

Compensation Survey, 2009

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 1.0 $73.00 $0.00 $160.91 $122.93 $84.96 1.0 0.1

Management, professional, and related ............................ 1.7 39.24 94.96 335.72 387.62 376.45 1.7 2 ( )

Management, business, and financial ........................... 2.2 66.54 21.94 218.71 0.00 343.79 2.2 2 ( )

Professional and related ............................................... 2.3 32.54 150.43 462.04 459.34 128.67 2.3 2 ( )

Service .............................................................................. 4.6 43.87 143.18 110.12 0.00 196.21 4.6 0.5

Protective service .......................................................... 10.9 – – – – – – –

Sales and office ................................................................ 1.3 21.94 31.41 347.97 257.02 206.96 1.3 0.1

Sales and related .......................................................... 0.9 160.61 50.26 388.11 266.16 1,061.83 0.9 2 ( )

Office and administrative support ................................. 2.0 0.00 66.54 312.25 647.66 357.65 2.0 0.1

Natural resources, construction, and maintenance ........... 3.1 51.91 25.49 331.07 606.04 588.64 3.1 –

Construction, extraction, farming, fishing, and forestry 3.4 36.71 0.00 202.07 705.48 0.00 – –

Installation, maintenance, and repair ............................ 5.0 64.33 141.92 471.04 577.92 920.33 – –

Production, transportation, and material moving .............. 1.6 29.43 0.00 144.85 303.02 328.48 1.6 0.1

Production ..................................................................... 3.0 116.50 13.87 263.98 508.13 405.46 3.0 0.2

Transportation and material moving ............................. 1.9 29.43 109.25 220.90 407.47 896.16 1.9 –

Full time ............................................................................ 0.9 52.83 0.00 186.15 324.79 0.00 0.9 0.1

Part time ............................................................................ 4.5 74.07 127.16 253.56 0.00 929.54 4.5 –

Union ................................................................................. 2.4 96.12 66.54 0.00 87.75 299.67 2.4 –

Nonunion ........................................................................... 1.1 0.00 122.61 65.08 569.02 0.00 1.1 0.1

Average wage within the following categories:3

Lowest 25 percent ......................................................... 4.0 9.81 137.09 403.08 395.48 512.13 3.9 0.5

Second 25 percent ........................................................ 1.2 0.00 13.87 329.35 589.62 169.93 1.2 0.1

Third 25 percent ............................................................ 1.2 72.33 9.81 309.62 584.13 290.20 1.2 2 ( )

Highest 25 percent ........................................................ 1.6 60.48 0.00 109.25 306.35 610.69 1.6 2 ( )

Highest 10 percent .................................................... 2.4 107.92 0.00 75.99 408.99 612.99 2.4 0.1

Establishment characteristic

Goods-producing industries .............................................. 2.1 115.53 0.00 79.70 210.63 96.62 2.1 2 ( )

Construction .................................................................. 5.3 – – – – – – –

Manufacturing ............................................................... 2.4 90.11 9.81 179.30 327.83 813.40 2.4 0.1

Service-providing industries .............................................. 1.1 62.05 0.00 239.56 436.11 264.71 1.1 0.1

Trade, transportation, and utilities ................................. 1.4 67.97 0.00 225.22 240.91 946.52 1.4 –

Retail trade ................................................................ 1.7 69.37 8.50 302.86 343.37 668.57 1.7 –

Transportation and warehousing .............................. 2.4 58.04 79.70 434.78 491.71 1,113.76 2.4 –

Information .................................................................... 1.5 – – – – – – –

Financial activities ......................................................... 2.1 67.26 199.14 119.35 0.00 337.58 2.1 –

Finance and insurance .............................................. 2.4 71.42 166.49 80.90 187.18 261.78 2.4 –

Credit intermediation and related activities ........... 3.7 31.02 29.43 494.83 681.69 137.35 3.7 –

Insurance carriers and related activities ............... 3.4 39.24 50.98 406.40 396.82 514.66 – –

Professional and business services .............................. 3.4 102.90 72.09 375.64 700.62 857.36 – –

Professional and technical services .......................... 3.8 – – – – – – –

Education and health services ...................................... 3.0 0.00 185.63 182.23 840.46 0.00 3.0 –

Educational services ................................................. 1.8 58.86 0.00 174.40 0.00 0.00 1.8 –

Junior colleges, colleges, and universities ............ 2.0 58.04 0.00 406.76 640.41 0.00 2.0 –

Health care and social assistance ............................ 3.4 0.00 157.58 320.47 627.04 0.00 3.4 –

See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible,1

 private industry workers, National

Compensation Survey, 2009—Continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 1.5 $0.00 $156.74 $0.00 $0.00 $392.43 1.5 0.2

1 to 49 workers ............................................................. 1.9 62.82 156.74 62.05 0.00 442.24 1.9 –

50 to 99 workers ........................................................... 2.3 0.00 195.54 83.25 548.35 672.87 – –

100 workers or more ......................................................... 1.3 52.83 0.00 67.97 117.73 426.74 1.3 2 ( )

100 to 499 workers ....................................................... 1.8 68.03 21.94 0.00 156.05 899.65 1.8 –

500 workers or more ..................................................... 2.1 16.99 0.00 105.66 303.50 336.44 2.1 2 ( )

Geographic area

New England ..................................................................... 12.2 83.25 158.80 450.33 247.03 1,116.53 – –

Middle Atlantic ................................................................... 3.9 77.87 142.85 39.24 215.17 297.86 3.9 –

East North Central ............................................................ 2.6 126.78 64.33 247.22 758.44 422.66 2.6 –

West North Central ........................................................... 2.7 65.08 216.95 137.35 706.30 374.87 2.7 –

South Atlantic .................................................................... 2.6 64.33 110.78 320.17 629.57 979.75 2.6 –

East South Central ............................................................ 3.4 – – – – – – –

West South Central ........................................................... 2.2 95.62 123.32 0.00 0.00 1,004.44 2.3 0.4

Mountain ........................................................................... 2.2 151.99 109.25 58.86 393.64 169.93 2.2 0.2

Pacific ............................................................................... 1.7 96.12 101.96 39.24 643.63 0.00 1.7 –

1 The deductible is the amount of covered expenses that an individual or family must pay before

any charges are paid by the medical care plan. Deductibles that apply separately to a specific

category of expenses, such as deductible for each hospital admission, were excluded. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 11. Fee-for-service plans: Coinsurance percentage,1

 private industry workers, National Compensation Survey, 2009

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristics Total

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

Worker characteristic

All workers ........................................................................ 100 – – 86 80 60 90 –

Management, professional, and related ............................ 100 – – 87 80 60 90 –

Management, business, and financial ........................... 100 – – 88 85 60 85 –

Professional and related ............................................... 100 – – 87 80 60 95 –

Service .............................................................................. 100 – – 79 80 60 100 –

Protective service .......................................................... 100 – – 96 90 60 100 –

Sales and office ................................................................ 100 – – 87 80 60 90 –

Sales and related .......................................................... 100 – – 86 85 60 100 –

Office and administrative support ................................. 100 – – 87 80 60 90 –

Natural resources, construction, and maintenance ........... 100 17 80 83 90 70 90 –

Construction, extraction, farming, fishing, and forestry 100 – – 88 85 70 90 –

Installation, maintenance, and repair ............................ 100 21 80 79 90 70 90 –

Production, transportation, and material moving .............. 100 – – 87 80 60 90 –

Production ..................................................................... 100 – – 89 80 60 90 –

Transportation and material moving ............................. 100 15 80 85 80 60 90 –

Full time ............................................................................ 100 – – 86 80 60 90 –

Part time ............................................................................ 100 – – 82 80 60 90 –

Union ................................................................................. 100 – – 83 90 70 100 –

Nonunion ........................................................................... 100 – – 87 80 60 90 –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 – – 78 80 60 100 –

Second 25 percent ........................................................ 100 – – 88 80 60 100 –

Third 25 percent ............................................................ 100 – – 85 85 60 90 –

Highest 25 percent ........................................................ 100 – – 88 80 60 90 –

Highest 10 percent .................................................... 100 – – 89 85 60 90 –

Establishment characteristic

Goods-producing industries .............................................. 100 – – 88 85 60 90 –

Construction .................................................................. 100 – – 85 80 64 – –

Manufacturing ............................................................... 100 – – 88 85 60 90 –

Service-providing industries .............................................. 100 – – 86 80 60 90 –

Trade, transportation, and utilities ................................. 100 10 80 90 80 60 90 –

Retail trade ................................................................ 100 11 80 89 80 60 100 –

Transportation and warehousing .............................. 100 12 80 88 85 60 90 –

Information .................................................................... 100 – – 83 90 70 90 –

Financial activities ......................................................... 100 16 80 84 85 60 90 –

Finance and insurance .............................................. 100 17 80 83 85 60 90 –

Credit intermediation and related activities ........... 100 15 80 85 80 60 75 –

Insurance carriers and related activities ............... 100 21 90 79 90 60 90 –

Professional and business services .............................. 100 – – 91 80 60 80 –

Professional and technical services .......................... 100 – – 96 80 60 80 –

Education and health services ...................................... 100 – – 84 80 60 100 –

Educational services ................................................. 100 – – 92 80 60 80 –

Junior colleges, colleges, and universities ............ 100 – – 93 80 60 100 –

Health care and social assistance ............................ 100 – – 83 80 60 100 –

See footnotes at end of table.
Table 11. Fee-for-service plans: Coinsurance percentage,1

 private industry workers, National Compensation Survey,

2009—Continued

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristics Total

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 100 – – 84 80 60 80 –

1 to 49 workers ............................................................. 100 16 80 84 80 60 80 –

50 to 99 workers ........................................................... 100 – – 85 80 60 80 –

100 workers or more ......................................................... 100 – – 87 85 60 95 –

100 to 499 workers ....................................................... 100 – – 87 85 60 90 –

500 workers or more ..................................................... 100 – – 87 85 60 95 –

Geographic area

New England ..................................................................... 100 – – 90 90 65 90 –

Middle Atlantic ................................................................... 100 19 80 81 100 70 100 –

East North Central ............................................................ 100 – – 91 80 60 100 –

West North Central ........................................................... 100 – – 76 80 60 90 –

South Atlantic .................................................................... 100 – – 88 80 60 95 –

East South Central ............................................................ 100 – – 79 80 60 100 –

West South Central ........................................................... 100 – – 85 80 60 90 –

Mountain ........................................................................... 100 – – 84 80 60 80 –

Pacific ............................................................................... 100 – – 90 80 60 85 –

1 Represents the initial coinsurance in plans that have 100 percent coverage after the individual

pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the

individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage,1

 private industry workers, National

Compensation Survey, 2009

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

Worker characteristic

All workers ........................................................................ – – 1.3 1.0 0.0 2.2 –

Management, professional, and related ............................ – – 2.1 0.0 0.0 4.0 –

Management, business, and financial ........................... – – 2.0 6.6 0.0 7.1 –

Professional and related ............................................... – – 3.1 0.0 0.0 8.6 –

Service .............................................................................. – – 4.9 4.6 1.3 0.0 –

Protective service .......................................................... – – 2.4 9.6 11.4 11.1 –

Sales and office ................................................................ – – 1.5 2.4 0.0 6.8 –

Sales and related .......................................................... – – 3.3 6.1 0.0 13.6 –

Office and administrative support ................................. – – 1.9 1.0 0.0 1.0 –

Natural resources, construction, and maintenance ........... 3.8 0.0 3.8 3.4 1.0 0.0 –

Construction, extraction, farming, fishing, and forestry – – 3.8 6.9 7.3 0.0 –

Installation, maintenance, and repair ............................ 6.2 0.0 6.2 0.0 2.6 14.7 –

Production, transportation, and material moving .............. – – 2.5 3.1 0.0 0.0 –

Production ..................................................................... – – 2.5 2.4 0.0 10.4 –

Transportation and material moving ............................. 3.8 0.0 3.8 10.6 0.0 3.7 –

Full time ............................................................................ – – 1.3 2.6 0.0 2.8 –

Part time ............................................................................ – – 4.0 0.0 0.0 9.0 –

Union ................................................................................. – – 2.2 6.7 6.2 11.6 –

Nonunion ........................................................................... – – 1.4 0.0 0.0 2.0 –

Average wage within the following categories:2

Lowest 25 percent ......................................................... – – 3.7 0.0 0.0 0.0 –

Second 25 percent ........................................................ – – 1.4 0.0 0.0 1.0 –

Third 25 percent ............................................................ – – 2.6 6.2 0.0 2.4 –

Highest 25 percent ........................................................ – – 1.3 5.6 0.0 0.0 –

Highest 10 percent .................................................... – – 2.3 6.7 1.0 0.0 –

Establishment characteristic

Goods-producing industries .............................................. – – 2.0 6.6 0.0 4.2 –

Construction .................................................................. – – 5.8 10.7 9.9 – –

Manufacturing ............................................................... – – 2.2 4.6 1.0 6.5 –

Service-providing industries .............................................. – – 1.5 0.0 0.0 7.0 –

Trade, transportation, and utilities ................................. 1.5 0.0 1.5 2.8 0.0 3.4 –

Retail trade ................................................................ 2.4 0.0 2.4 0.0 0.0 7.8 –

Transportation and warehousing .............................. 3.2 9.2 3.2 8.1 0.0 9.2 –

Information .................................................................... – – 5.0 1.7 6.5 19.0 –

Financial activities ......................................................... 2.3 0.0 2.3 1.4 2.0 10.6 –

Finance and insurance .............................................. 2.5 0.0 2.5 0.0 2.0 10.6 –

Credit intermediation and related activities ........... 2.4 0.0 2.4 1.4 0.0 8.7 –

Insurance carriers and related activities ............... 5.3 13.7 5.3 6.9 5.1 0.0 –

Professional and business services .............................. – – 3.2 6.5 0.0 13.7 –

Professional and technical services .......................... – – 2.4 8.5 0.0 0.0 –

Education and health services ...................................... – – 4.7 0.0 0.0 0.0 –

Educational services ................................................. – – 3.1 0.0 3.2 8.8 –

Junior colleges, colleges, and universities ............ – – 3.2 2.2 5.4 0.0 –

Health care and social assistance ............................ – – 5.4 0.0 0.0 0.0 –

See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage,1

 private industry workers, National

Compensation Survey, 2009—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

Point-ofservice

1 to 99 workers ................................................................. – – 2.4 0.0 0.0 13.5 –

1 to 49 workers ............................................................. 3.2 0.0 3.2 0.0 0.0 18.6 –

50 to 99 workers ........................................................... – – 4.0 5.5 0.0 10.5 –

100 workers or more ......................................................... – – 1.1 5.7 0.0 9.0 –

100 to 499 workers ....................................................... – – 1.5 6.9 0.0 6.6 –

500 workers or more ..................................................... – – 2.1 5.4 0.0 7.3 –

Geographic area

New England ..................................................................... – – 2.9 5.9 7.3 10.9 –

Middle Atlantic ................................................................... 4.3 0.0 4.3 11.3 0.0 0.0 –

East North Central ............................................................ – – 1.5 7.2 0.0 4.4 –

West North Central ........................................................... – – 5.2 0.0 0.0 12.6 –

South Atlantic .................................................................... – – 1.7 0.0 0.0 7.7 –

East South Central ............................................................ – – 8.7 6.2 0.0 10.4 –

West South Central ........................................................... – – 4.5 0.0 0.0 2.8 –

Mountain ........................................................................... – – 2.8 0.0 0.0 13.8 –

Pacific ............................................................................... – – 3.6 0.0 0.0 7.2 –

1 Represents the initial coinsurance in plans that have 100 percent coverage after the

individual pays a specified dollar amount toward expenses. For example, the plan pays 80

percent until the individual’s out-of-pocket expenses reach $1,000, and then coverage is 100

percent. 2 The categories are based on the average wage for each occupation surveyed, which

may include workers both above and below the threshold. The average wages are based on

the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry workers, National Compensation

Survey, 2009

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

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 characteristic

All workers ........................................................................ 100 80 $825 $1,200 $1,900 $2,500 $3,600 19 1

Management, professional, and related ............................ 100 80 900 1,200 1,900 2,500 3,400 19 2

Management, business, and financial ........................... 100 85 1,000 1,250 2,000 2,500 3,400 13 2

Professional and related ............................................... 100 77 900 1,200 1,750 2,500 3,250 22 1

Service .............................................................................. 100 76 750 1,500 2,000 3,000 4,500 24 1

Protective service .......................................................... 100 68 1,000 1,500 2,150 3,000 3,500 – –

Sales and office ................................................................ 100 83 900 1,200 2,000 2,500 3,700 16 1

Sales and related .......................................................... 100 83 1,000 1,400 2,000 2,700 4,500 17 2 ( )

Office and administrative support ................................. 100 83 800 1,000 1,900 2,500 3,300 16 1

Natural resources, construction, and maintenance ........... 100 76 750 1,000 2,000 2,500 3,500 23 1

Construction, extraction, farming, fishing, and forestry 100 76 1,000 1,200 2,000 3,000 4,000 24 –

Installation, maintenance, and repair ............................ 100 76 750 1,000 1,500 2,500 3,000 23 1

Production, transportation, and material moving .............. 100 79 750 1,000 1,500 2,500 4,000 19 2

Production ..................................................................... 100 79 700 1,150 1,500 2,500 4,000 19 2

Transportation and material moving ............................. 100 80 850 1,000 1,500 2,500 3,500 19 2

Full time ............................................................................ 100 80 825 1,200 1,850 2,500 3,500 19 1

Part time ............................................................................ 100 78 – – – – – 21 1

Union ................................................................................. 100 69 800 1,000 1,500 2,300 3,000 30 1

Nonunion ........................................................................... 100 82 850 1,200 2,000 2,500 3,650 17 1

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 80 750 1,250 2,000 3,200 4,500 19 1

Second 25 percent ........................................................ 100 80 750 1,000 1,750 2,500 3,500 18 2

Third 25 percent ............................................................ 100 81 800 1,000 1,600 2,500 3,500 18 1

Highest 25 percent ........................................................ 100 78 1,000 1,250 2,000 2,500 3,500 21 1

Highest 10 percent .................................................... 100 78 1,000 1,250 2,000 2,500 3,500 22 1

Establishment characteristic

Goods-producing industries .............................................. 100 82 850 1,000 1,700 2,500 4,000 17 1

Construction .................................................................. 100 85 1,000 1,150 2,000 3,000 5,000 15 –

Manufacturing ............................................................... 100 81 750 1,000 1,600 2,500 3,700 18 1

Service-providing industries .............................................. 100 79 800 1,200 1,900 2,500 3,500 19 1

Trade, transportation, and utilities ................................. 100 83 1,000 1,200 1,750 2,500 3,650 16 1

Retail trade ................................................................ 100 85 1,000 1,250 1,800 2,500 4,000 15 –

Transportation and warehousing .............................. 100 76 1,000 1,250 1,500 3,000 3,600 24 –

Information .................................................................... 100 85 850 1,400 2,000 2,500 3,500 13 2

Financial activities ......................................................... 100 78 950 1,375 2,000 2,500 3,700 20 2

Finance and insurance .............................................. 100 77 900 1,200 2,000 2,500 3,500 21 2

Credit intermediation and related activities ........... 100 80 1,000 1,375 2,000 3,000 3,700 20 2 ( )

Insurance carriers and related activities ............... 100 76 900 1,000 1,900 2,500 3,500 19 5

Professional and business services .............................. 100 78 900 1,250 2,000 2,500 3,400 21 1

Professional and technical services .......................... 100 78 1,000 1,500 2,000 2,500 3,400 22 –

Education and health services ...................................... 100 75 750 1,000 1,500 2,000 3,000 23 2

Educational services ................................................. 100 79 750 1,000 1,500 2,500 4,000 21 –

Junior colleges, colleges, and universities ............ 100 75 800 1,000 1,500 2,500 2,750 25 –

Health care and social assistance ............................ 100 74 750 1,000 1,500 2,000 3,000 24 2

See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry workers, National Compensation

Survey, 2009—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

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

1 to 99 workers ................................................................. 100 80 $800 $1,200 $2,000 $2,500 $4,000 19 1

1 to 49 workers ............................................................. 100 79 1,000 1,200 2,000 2,500 4,000 20 1

50 to 99 workers ........................................................... 100 82 750 1,000 2,000 2,750 3,800 17 1

100 workers or more ......................................................... 100 80 850 1,200 1,750 2,500 3,500 19 1

100 to 499 workers ....................................................... 100 83 750 1,250 1,750 2,500 3,500 17 1

500 workers or more ..................................................... 100 77 900 1,100 1,700 2,500 4,000 22 2

Geographic area

New England ..................................................................... 100 60 1,000 1,350 2,300 2,900 4,000 40 1

Middle Atlantic ................................................................... 100 56 750 1,000 1,500 2,500 3,300 42 2

East North Central ............................................................ 100 86 800 1,000 1,500 2,500 3,800 12 2

West North Central ........................................................... 100 85 500 1,000 1,600 2,300 3,000 – –

South Atlantic .................................................................... 100 83 1,000 1,400 2,000 2,700 4,000 15 2

East South Central ............................................................ 100 88 600 1,000 1,500 2,250 3,500 11 1

West South Central ........................................................... 100 87 1,000 1,200 2,000 3,000 4,000 12 1

Mountain ........................................................................... 100 77 1,000 1,500 2,000 2,800 4,000 20 3

Pacific ............................................................................... 100 89 900 1,250 2,000 2,500 3,600 11 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 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2009

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 characteristic

All workers ........................................................................ 1.1 $94.95 $170.63 $197.80 $0.00 $311.06 1.0 0.3

Management, professional, and related ............................ 2.1 121.29 64.33 210.64 0.00 136.29 1.9 0.6

Management, business, and financial ........................... 1.6 141.49 221.88 88.30 282.13 131.99 1.4 1.4

Professional and related ............................................... 3.0 152.87 70.92 139.78 70.75 514.65 3.0 0.5

Service .............................................................................. 3.4 162.69 134.79 52.83 515.97 867.79 3.5 0.4

Protective service .......................................................... 14.6 451.93 537.44 596.84 458.07 238.70 – –

Sales and office ................................................................ 1.7 129.00 240.16 176.32 52.83 238.50 1.7 0.4

Sales and related .......................................................... 2.8 0.00 137.00 48.06 352.91 633.76 2.8 0.2

Office and administrative support ................................. 1.9 80.95 98.11 202.49 0.00 364.19 2.0 0.6

Natural resources, construction, and maintenance ........... 3.0 135.25 49.05 542.08 307.91 673.30 3.0 0.4

Construction, extraction, farming, fishing, and forestry 4.0 0.00 160.02 201.06 70.75 1,105.65 4.0 –

Installation, maintenance, and repair ............................ 4.8 114.41 33.99 188.97 144.60 191.50 4.6 0.9

Production, transportation, and material moving .............. 2.8 144.85 78.64 252.99 65.81 509.87 2.5 0.9

Production ..................................................................... 3.5 174.30 191.09 267.96 120.95 207.89 3.1 1.2

Transportation and material moving ............................. 4.6 219.16 0.00 528.41 223.29 272.77 4.1 1.4

Full time ............................................................................ 1.2 91.75 197.62 188.84 0.00 265.61 1.1 0.3

Part time ............................................................................ 5.5 – – – – – 5.5 0.5

Union ................................................................................. 3.2 198.24 55.50 0.00 223.29 1,149.40 3.5 1.2

Nonunion ........................................................................... 1.1 100.53 101.48 156.05 19.62 288.96 1.1 0.3

Average wage within the following categories:2

Lowest 25 percent ......................................................... 2.2 82.08 249.55 35.37 570.54 206.02 2.4 0.7

Second 25 percent ........................................................ 1.9 210.26 230.34 227.34 0.00 185.11 1.7 0.9

Third 25 percent ............................................................ 1.7 107.54 66.36 153.56 0.00 423.63 1.7 0.3

Highest 25 percent ........................................................ 2.0 94.59 40.45 48.06 192.00 148.14 1.9 0.4

Highest 10 percent .................................................... 3.0 65.11 83.97 157.58 225.01 194.55 2.9 0.2

Establishment characteristic

Goods-producing industries .............................................. 2.1 147.23 180.77 175.23 126.40 118.14 2.0 0.5

Construction .................................................................. 3.1 0.00 258.68 227.13 761.52 19.62 3.1 –

Manufacturing ............................................................... 2.7 183.68 145.89 192.50 76.62 411.35 2.5 0.7

Service-providing industries .............................................. 1.2 119.75 121.35 164.24 0.00 107.02 1.2 0.4

Trade, transportation, and utilities ................................. 2.2 55.50 187.69 242.70 51.91 429.55 2.2 0.3

Retail trade ................................................................ 2.8 0.00 275.75 253.56 87.75 529.51 2.8 –

Transportation and warehousing .............................. 7.0 49.05 267.42 563.75 707.19 853.02 7.0 –

Information .................................................................... 3.8 129.78 266.52 371.90 178.76 785.79 3.6 1.0

Financial activities ......................................................... 2.8 89.38 146.59 0.00 415.31 224.79 2.7 0.9

Finance and insurance .............................................. 3.2 13.87 237.09 75.99 0.00 219.59 3.0 1.1

Credit intermediation and related activities ........... 2.9 39.24 150.71 62.82 463.50 308.06 2.9 0.1

Insurance carriers and related activities ............... 4.6 0.00 0.00 473.16 0.00 664.02 4.2 2.8

Professional and business services .............................. 4.2 189.22 197.92 100.05 169.64 347.69 4.1 0.7

Professional and technical services .......................... 5.6 0.00 306.50 73.42 590.28 526.50 5.6 –

Education and health services ...................................... 3.7 168.22 57.21 0.00 131.99 443.55 3.5 1.0

Educational services ................................................. 4.7 94.10 0.00 210.87 530.32 869.23 4.7 –

Junior colleges, colleges, and universities ............ 4.8 50.02 171.34 48.06 428.54 353.73 4.8 –

Health care and social assistance ............................ 4.1 320.92 136.29 0.00 70.75 277.49 3.8 1.2

See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, National Compensation Survey, 2009—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

1 to 99 workers ................................................................. 1.8 $144.85 $274.52 $66.54 $288.87 $425.61 1.8 0.5

1 to 49 workers ............................................................. 2.2 132.35 200.10 56.36 279.39 444.98 2.1 0.6

50 to 99 workers ........................................................... 2.7 134.52 221.34 494.05 320.02 541.19 2.7 0.8

100 workers or more ......................................................... 1.2 111.86 133.63 72.26 0.00 160.61 1.2 0.4

100 to 499 workers ....................................................... 2.0 180.32 192.62 206.14 234.23 323.01 1.9 0.5

500 workers or more ..................................................... 1.7 138.14 159.93 70.75 279.56 378.98 2.1 0.9

Geographic area

New England ..................................................................... 6.2 125.64 223.50 328.04 255.08 1,459.68 5.9 0.5

Middle Atlantic ................................................................... 2.1 55.50 231.80 400.32 230.71 416.87 2.4 1.3

East North Central ............................................................ 2.0 73.66 48.06 291.69 372.94 905.99 2.0 0.8

West North Central ........................................................... 5.1 116.63 0.00 221.14 345.61 0.00 – –

South Atlantic .................................................................... 2.9 33.99 136.21 0.00 366.16 389.60 3.0 1.0

East South Central ............................................................ 2.7 156.36 0.00 324.64 432.23 486.60 2.9 1.4

West South Central ........................................................... 3.1 34.27 134.53 326.86 266.16 172.46 3.1 0.5

Mountain ........................................................................... 5.0 100.05 230.08 29.43 398.51 370.44 3.9 1.6

Pacific ............................................................................... 2.5 192.25 93.59 306.02 474.88 683.59 2.5 0.1

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 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers, National Compensation

Survey, 2009

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

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 characteristic

All workers ........................................................................ 100 72 $1,640 $2,500 $4,000 $5,250 $7,500 27 1

Management, professional, and related ............................ 100 73 1,800 2,600 4,000 5,200 7,500 25 2

Management, business, and financial ........................... 100 76 1,800 3,000 4,000 5,250 7,500 22 2

Professional and related ............................................... 100 72 1,500 2,500 4,000 5,000 7,500 27 1

Service .............................................................................. 100 59 1,500 3,000 3,600 4,500 7,000 41 1

Protective service .......................................................... 100 56 2,400 3,000 4,500 6,600 7,000 – –

Sales and office ................................................................ 100 75 1,900 2,600 4,000 5,100 7,600 24 1

Sales and related .......................................................... 100 77 2,000 3,000 4,000 6,000 8,500 23 2 ( )

Office and administrative support ................................. 100 75 1,500 2,300 3,600 5,000 7,500 24 1

Natural resources, construction, and maintenance ........... 100 68 1,500 2,300 3,000 5,250 7,500 31 1

Construction, extraction, farming, fishing, and forestry 100 64 2,000 2,400 4,500 5,550 9,800 36 –

Installation, maintenance, and repair ............................ 100 73 – – – – – 26 1

Production, transportation, and material moving .............. 100 72 1,600 2,500 3,500 6,000 8,000 26 2

Production ..................................................................... 100 74 1,500 2,475 3,400 5,000 8,000 23 2

Transportation and material moving ............................. 100 69 2,000 2,600 4,000 6,000 8,000 29 2

Full time ............................................................................ 100 72 1,650 2,500 4,000 5,300 7,600 26 1

Part time ............................................................................ 100 64 1,500 3,000 3,500 4,600 6,000 35 1

Union ................................................................................. 100 55 1,640 2,500 3,000 5,000 6,000 43 1

Nonunion ........................................................................... 100 74 1,600 2,500 4,000 5,300 7,600 24 1

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 66 1,500 2,500 4,000 6,000 9,750 33 1

Second 25 percent ........................................................ 100 74 1,640 2,500 3,800 5,000 7,500 24 2

Third 25 percent ............................................................ 100 75 1,500 2,400 3,600 5,000 7,500 24 1

Highest 25 percent ........................................................ 100 69 2,000 2,700 4,000 5,400 7,500 30 1

Highest 10 percent .................................................... 100 71 2,000 2,850 4,000 5,400 7,500 29 1

Establishment characteristic

Goods-producing industries .............................................. 100 76 1,640 2,400 3,450 5,300 8,000 23 1

Construction .................................................................. 100 73 2,000 2,400 4,500 7,000 10,000 27 –

Manufacturing ............................................................... 100 75 1,500 2,475 3,400 5,000 7,700 23 1

Service-providing industries .............................................. 100 70 1,800 2,600 4,000 5,200 7,500 28 1

Trade, transportation, and utilities ................................. 100 75 2,000 3,000 4,000 5,500 8,500 25 1

Retail trade ................................................................ 100 80 2,000 3,000 4,000 5,000 9,000 20 –

Transportation and warehousing .............................. 100 62 2,000 2,700 4,000 6,000 8,000 38 –

Information .................................................................... 100 82 2,000 2,800 4,000 5,500 7,500 16 2

Financial activities ......................................................... 100 80 2,000 2,750 4,000 6,000 7,600 18 2

Finance and insurance .............................................. 100 79 2,000 2,700 4,000 5,000 7,500 19 2

Credit intermediation and related activities ........... 100 78 2,000 2,750 4,000 6,000 7,900 22 2 ( )

Insurance carriers and related activities ............... 100 82 2,000 2,300 3,400 5,000 7,500 13 5

Professional and business services .............................. 100 66 2,000 2,600 4,000 5,050 6,800 33 1

Professional and technical services .......................... 100 67 2,000 3,000 4,000 5,200 6,000 33 –

Education and health services ...................................... 100 72 1,250 2,000 3,000 4,500 7,000 26 2

Educational services ................................................. 100 76 – – – – – 24 –

Junior colleges, colleges, and universities ............ 100 73 2,000 2,500 3,400 4,500 7,000 27 –

Health care and social assistance ............................ 100 72 – – – – – 26 2

See footnotes at end of table.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers, National Compensation

Survey, 2009—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

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

1 to 99 workers ................................................................. 100 68 $1,500 $2,500 $4,000 $5,250 $7,500 30 1

1 to 49 workers ............................................................. 100 67 1,800 2,500 4,000 5,000 7,500 31 1

50 to 99 workers ........................................................... 100 72 1,500 2,500 4,000 6,000 7,600 27 1

100 workers or more ......................................................... 100 74 1,750 2,500 3,750 5,100 7,500 24 1

100 to 499 workers ....................................................... 100 76 1,750 2,800 4,000 5,000 7,500 23 1

500 workers or more ..................................................... 100 72 1,800 2,300 3,400 5,400 8,000 26 2

Geographic area

New England ..................................................................... 100 55 2,300 3,200 4,800 6,000 8,700 44 1

Middle Atlantic ................................................................... 100 52 1,500 2,400 3,500 5,000 7,000 46 2

East North Central ............................................................ 100 78 1,500 2,350 3,200 5,000 6,200 20 2

West North Central ........................................................... 100 77 1,500 2,000 3,000 4,600 6,000 23 –

South Atlantic .................................................................... 100 77 2,000 3,000 4,000 6,000 8,000 21 2

East South Central ............................................................ 100 81 – – – – – 18 1

West South Central ........................................................... 100 80 2,000 2,800 4,000 6,000 9,000 19 1

Mountain ........................................................................... 100 63 2,000 3,000 4,000 5,000 6,400 34 3

Pacific ............................................................................... 100 70 1,800 2,700 4,000 5,700 8,000 29 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 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 13. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers,

National Compensation Survey, 2009

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 characteristic

All workers ........................................................................ 1.3 $262.10 $48.31 $158.80 $294.48 $327.50 1.3 0.3

Management, professional, and related ............................ 2.2 335.72 244.17 93.59 252.23 374.35 2.1 0.6

Management, business, and financial ........................... 2.5 213.14 367.20 102.90 460.37 451.51 2.3 1.4

Professional and related ............................................... 2.9 418.54 222.72 388.86 153.25 710.58 2.9 0.5

Service .............................................................................. 4.7 219.37 636.41 756.12 1,025.30 808.48 4.9 0.4

Protective service .......................................................... 13.0 485.01 950.78 215.17 1,277.96 369.83 – –

Sales and office ................................................................ 2.1 251.67 199.75 0.00 440.94 380.22 2.1 0.4

Sales and related .......................................................... 2.6 114.41 135.94 217.61 285.69 1,062.78 2.6 0.2

Office and administrative support ................................. 2.6 164.12 371.47 382.74 0.00 392.55 2.6 0.6

Natural resources, construction, and maintenance ........... 3.3 581.06 442.86 908.11 359.53 828.18 3.2 0.4

Construction, extraction, farming, fishing, and forestry 4.5 227.95 288.37 653.43 669.07 1,358.28 4.5 –

Installation, maintenance, and repair ............................ 4.8 – – – – – 4.7 0.9

Production, transportation, and material moving .............. 3.1 223.58 87.06 555.67 488.57 558.78 2.9 0.9

Production ..................................................................... 3.6 173.76 102.66 309.62 1,080.92 966.55 3.2 1.2

Transportation and material moving ............................. 5.0 449.58 387.82 281.28 153.25 1,215.93 4.8 1.4

Full time ............................................................................ 1.3 262.98 25.01 143.52 303.34 409.94 1.2 0.3

Part time ............................................................................ 6.1 588.64 614.09 643.48 522.09 548.70 6.1 0.5

Union ................................................................................. 4.0 262.67 401.16 847.87 677.15 1,651.00 4.7 1.2

Nonunion ........................................................................... 1.4 316.09 37.35 39.24 342.67 387.70 1.4 0.3

Average wage within the following categories:2

Lowest 25 percent ......................................................... 3.4 679.71 381.11 0.00 101.96 1,454.24 3.5 0.7

Second 25 percent ........................................................ 1.9 248.36 185.43 379.33 141.49 499.48 1.9 0.9

Third 25 percent ............................................................ 2.1 263.22 143.94 476.50 386.99 362.86 2.1 0.3

Highest 25 percent ........................................................ 2.1 39.24 260.49 39.24 239.91 302.07 2.0 0.4

Highest 10 percent .................................................... 3.1 0.00 209.96 39.24 331.97 493.86 3.1 0.2

Establishment characteristic

Goods-producing industries .............................................. 2.5 202.75 152.54 407.82 493.66 421.40 2.3 0.5

Construction .................................................................. 4.3 0.00 537.35 578.08 1,644.57 39.24 4.3 –

Manufacturing ............................................................... 3.2 194.24 178.57 414.96 78.49 656.07 3.0 0.7

Service-providing industries .............................................. 1.6 437.65 176.32 49.05 323.90 98.11 1.6 0.4

Trade, transportation, and utilities ................................. 2.4 0.00 330.08 0.00 571.97 1,524.17 2.3 0.3

Retail trade ................................................................ 2.9 49.05 176.59 111.00 366.69 1,518.82 2.9 –

Transportation and warehousing .............................. 8.2 837.77 444.85 750.76 744.71 2,373.66 8.2 –

Information .................................................................... 4.4 298.86 89.38 505.99 849.63 1,806.22 4.1 1.0

Financial activities ......................................................... 2.4 0.00 247.81 0.00 448.51 219.37 2.2 0.9

Finance and insurance .............................................. 2.8 98.11 238.70 135.94 256.02 353.19 2.5 1.1

Credit intermediation and related activities ........... 3.1 103.36 329.94 78.49 772.99 669.14 3.1 0.1

Insurance carriers and related activities ............... 4.5 248.97 283.66 731.67 287.04 1,316.24 3.5 2.8

Professional and business services .............................. 5.5 313.94 473.97 0.00 192.25 693.17 5.5 0.7

Professional and technical services .......................... 7.7 92.03 412.98 98.11 331.97 1,658.10 7.7 –

Education and health services ...................................... 4.0 447.76 452.78 0.00 478.82 612.52 3.9 1.0

Educational services ................................................. 4.7 – – – – – 4.7 –

Junior colleges, colleges, and universities ............ 5.0 517.28 161.21 712.14 767.81 1,487.87 5.0 –

Health care and social assistance ............................ 4.4 – – – – – 4.3 1.2

See footnotes at end of table.
Table 13. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers,

National Compensation Survey, 2009—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

1 to 99 workers ................................................................. 2.1 $355.36 $222.64 $168.79 $606.76 $188.20 2.1 0.5

1 to 49 workers ............................................................. 2.9 493.18 337.01 327.60 160.61 346.03 2.8 0.6

50 to 99 workers ........................................................... 3.6 455.12 453.82 397.91 0.00 473.77 3.7 0.8

100 workers or more ......................................................... 1.5 223.10 63.67 364.32 435.67 640.63 1.5 0.4

100 to 499 workers ....................................................... 2.0 310.56 400.95 90.98 399.00 653.94 2.0 0.5

500 workers or more ..................................................... 2.2 282.80 120.95 201.78 301.43 239.51 2.6 0.9

Geographic area

New England ..................................................................... 4.5 742.51 487.09 406.40 781.05 1,237.20 4.3 0.5

Middle Atlantic ................................................................... 2.8 630.20 560.50 746.71 709.43 263.98 3.5 1.3

East North Central ............................................................ 2.4 288.03 196.03 399.00 491.52 1,522.68 2.4 0.8

West North Central ........................................................... 4.1 228.82 350.04 433.12 705.01 452.57 4.1 –

South Atlantic .................................................................... 2.5 0.00 64.33 0.00 0.00 528.32 2.6 1.0

East South Central ............................................................ 2.7 – – – – – 3.0 1.4

West South Central ........................................................... 4.5 136.80 445.71 343.93 0.00 735.80 4.5 0.5

Mountain ........................................................................... 7.2 248.19 381.99 0.00 426.74 1,181.73 6.3 1.6

Pacific ............................................................................... 4.1 494.83 318.51 448.30 859.32 590.93 4.1 0.1

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 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

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/glossary20092010.htm.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2009

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ........................................................................ 34 65 4 ( ) 15 85 – 54 45 1

Management, professional, and related ............................ 32 68 – 15 85 – 59 41 –

Management, business, and financial ........................... 27 73 – – 94 – 53 47 –

Professional and related ............................................... 35 65 – 19 81 – 62 38 –

Service .............................................................................. 38 62 – – 85 – 59 39 2

Protective service .......................................................... – 91 – – 92 – – 72 –

Sales and office ................................................................ 34 65 1 15 85 – 49 49 1

Sales and related .......................................................... 33 67 – – 86 – 47 51 1

Office and administrative support ................................. 35 64 1 16 84 – 50 48 1

Natural resources, construction, and maintenance ........... 48 52 4 ( ) – 81 – 42 58 –

Construction, extraction, farming, fishing, and forestry 59 41 – – 80 – 42 58 –

Installation, maintenance, and repair ............................ – 63 – – 82 – 42 58 –

Production, transportation, and material moving .............. 26 74 – – 88 – 58 41 1

Production ..................................................................... 22 78 – – 88 – 63 37 –

Transportation and material moving ............................. 32 68 – – 87 – 51 47 3

Full time ............................................................................ 35 65 4 ( ) 15 85 – 55 45 4 ( )

Part time ............................................................................ 26 74 – – 88 – 36 56 8

Union ................................................................................. 25 75 – – 95 – 33 60 6

Nonunion ........................................................................... 36 64 4 ( ) 16 84 – 57 43 –

Average wage within the following categories:5

Lowest 25 percent ......................................................... 29 71 – – 87 – 51 48 1

Second 25 percent ........................................................ 35 64 1 20 80 – 61 37 3

Third 25 percent ............................................................ 41 59 4 ( ) 18 82 – 55 45 –

Highest 25 percent ........................................................ 30 70 – 10 90 – 50 50 –

Highest 10 percent .................................................... 29 71 – – 92 – 52 48 –

Establishment characteristic

Goods-producing industries .............................................. 36 64 – 14 86 – 48 52 –

Construction .................................................................. 47 53 – – 92 – 29 71 –

Manufacturing ............................................................... 33 67 – – 84 – 57 43 –

Service-providing industries .............................................. 34 66 4 ( ) 15 85 – 56 43 1

Trade, transportation, and utilities ................................. 28 71 1 – 92 – 42 53 4

Retail trade ................................................................ – 74 – – 88 – 45 50 5

Transportation and warehousing .............................. – 55 – – 100 – – 77 –

Information .................................................................... – 91 – – 100 – 48 52 –

Financial activities ......................................................... 23 77 – – 93 – 54 46 –

Finance and insurance .............................................. 27 73 – – 93 – 43 57 –

Credit intermediation and related activities ........... 24 76 – – 95 – – 68 –

Insurance carriers and related activities ............... 42 58 – – 87 – 62 38 –

Professional and business services .............................. – 71 – – 91 – 60 40 –

Professional and technical services .......................... – 66 – – 86 – 64 – –

Education and health services ...................................... 46 54 – 26 74 – 67 33 –

Educational services ................................................. 33 67 – – 90 – 49 51 –

Junior colleges, colleges, and universities ............ 25 75 – – 98 – 35 65 –

Health care and social assistance ............................ 49 51 – – 70 – 71 29 –

See footnotes at end of table.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2009—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 41 58 4 ( ) 17 83 – 60 40 –

1 to 49 workers ............................................................. 43 57 1 17 83 – 60 40 –

50 to 99 workers ........................................................... 37 63 4 ( ) – 82 – 60 40 –

100 workers or more ......................................................... 27 73 – 13 87 – 48 51 2

100 to 499 workers ....................................................... 27 73 – – 89 – 50 47 2

500 workers or more ..................................................... 26 74 – – 85 – 45 54 1

Geographic area

New England ..................................................................... 32 68 – – 95 – 32 68 –

Middle Atlantic ................................................................... 27 73 4 ( ) – 94 – 35 65 –

East North Central ............................................................ 34 66 – 15 85 – 41 58 1

West North Central ........................................................... 82 – – – – – – – –

South Atlantic .................................................................... 44 55 1 – 72 – 63 35 2

East South Central ............................................................ – 64 – – 93 – – – 7

West South Central ........................................................... 45 55 – – 93 – 47 53 –

Mountain ........................................................................... 44 56 – – 60 – 71 – –

Pacific ............................................................................... – 78 – – 94 – 73 26 4 ( )

1 The deductible is the amount of covered expenses that an individual or family must pay before

any charges are paid by the medical care plan. Deductibles that apply separately to a specific

category of expenses, such as deductible for each hospital admission, were excluded. 2 Represents the initial coinsurance in plans that have 100 percent coverage after the individual

pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the

individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent. 3 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. 4 Less than 0.5 percent.

5 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 14. Standard errors for health maintenance organizations: Summary of selected features, private industry workers, National

Compensation Survey, 2009

Characteristics

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ........................................................................ 3.4 3.4 0.2 2.7 2.7 – 3.1 3.1 0.3

Management, professional, and related ............................ 4.0 4.0 – 3.9 3.9 – 4.4 4.4 –

Management, business, and financial ........................... 4.5 4.5 – – 2.2 – 6.4 6.4 –

Professional and related ............................................... 5.1 5.1 – 4.9 4.9 – 4.7 4.7 –

Service .............................................................................. 10.0 10.0 – – 5.3 – 8.3 8.2 1.5

Protective service .......................................................... – 8.0 – – 8.0 – – 15.3 –

Sales and office ................................................................ 5.0 5.0 0.8 3.5 3.5 – 4.1 4.1 0.6

Sales and related .......................................................... 6.9 6.9 – – 5.2 – 7.8 7.8 0.8

Office and administrative support ................................. 5.2 5.3 1.1 4.5 4.5 – 4.5 4.5 0.7

Natural resources, construction, and maintenance ........... 8.6 8.6 0.1 – 9.1 – 8.1 8.1 –

Construction, extraction, farming, fishing, and forestry 10.8 10.8 – – 14.7 – 12.3 12.3 –

Installation, maintenance, and repair ............................ – 11.7 – – 10.8 – 10.1 10.1 –

Production, transportation, and material moving .............. 5.3 5.3 – – 3.9 – 6.2 6.2 1.0

Production ..................................................................... 6.1 6.1 – – 4.2 – 7.3 7.3 –

Transportation and material moving ............................. 8.2 8.2 – – 5.5 – 7.2 7.2 2.7

Full time ............................................................................ 3.6 3.5 0.2 2.8 2.8 – 3.1 3.1 0.2

Part time ............................................................................ 5.0 5.0 – – 4.4 – 7.3 7.1 4.5

Union ................................................................................. 5.1 5.1 – – 1.7 – 5.4 5.4 2.7

Nonunion ........................................................................... 3.7 3.7 0.2 3.0 3.0 – 3.3 3.3 –

Average wage within the following categories:4

Lowest 25 percent ......................................................... 7.5 7.5 – – 5.5 – 7.5 7.5 0.8

Second 25 percent ........................................................ 6.3 6.2 1.0 3.7 3.7 – 4.6 4.7 1.2

Third 25 percent ............................................................ 4.4 4.4 0.1 4.5 4.5 – 4.3 4.3 –

Highest 25 percent ........................................................ 3.3 3.3 – 2.2 2.2 – 4.4 4.4 –

Highest 10 percent .................................................... 5.1 5.1 – – 2.8 – 5.8 5.8 –

Establishment characteristic

Goods-producing industries .............................................. 4.9 4.9 – 3.6 3.6 – 5.9 5.9 –

Construction .................................................................. 8.9 8.9 – – 4.0 – 7.9 7.9 –

Manufacturing ............................................................... 6.7 6.7 – – 5.1 – 6.7 6.7 –

Service-providing industries .............................................. 4.2 4.1 0.3 3.1 3.1 – 3.4 3.4 0.4

Trade, transportation, and utilities ................................. 6.6 6.5 1.2 – 4.8 – 5.7 5.5 1.8

Retail trade ................................................................ – 8.0 – – 7.4 – 7.4 7.5 2.3

Transportation and warehousing .............................. – 13.5 – – 5 ( ) – – 10.0 –

Information .................................................................... – 5.7 – – 5 ( ) – 9.9 9.9 –

Financial activities ......................................................... 3.9 3.9 – – 2.4 – 6.6 6.6 –

Finance and insurance .............................................. 4.3 4.3 – – 3.0 – 5.2 5.2 –

Credit intermediation and related activities ........... 5.9 5.9 – – 2.5 – – 9.7 –

Insurance carriers and related activities ............... 10.2 10.2 – – 9.0 – 10.4 10.4 –

Professional and business services .............................. – 9.2 – – 6.2 – 7.6 7.6 –

Professional and technical services .......................... – 12.7 – – 10.1 – 11.2 – –

Education and health services ...................................... 8.2 8.2 – 7.5 7.5 – 6.0 6.0 –

Educational services ................................................. 9.3 9.3 – – 7.4 – 9.2 9.2 –

Junior colleges, colleges, and universities ............ 5.8 5.8 – – 1.2 – 4.4 4.4 –

Health care and social assistance ............................ 9.3 9.3 – – 8.9 – 6.7 6.7 –

See footnotes at end of table.
Table 14. Standard errors for health maintenance organizations: Summary of selected features, private industry workers, National

Compensation Survey, 2009—Continued

Characteristics

Annual deductible1 Coinsurance2 Annual out-of-pocket maximum3

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 5.0 5.0 0.4 4.2 4.2 – 4.5 4.5 –

1 to 49 workers ............................................................. 6.8 6.8 0.6 4.8 4.8 – 4.9 4.9 –

50 to 99 workers ........................................................... 7.0 7.1 0.1 – 6.8 – 7.1 7.1 –

100 workers or more ......................................................... 4.3 4.3 – 3.5 3.5 – 3.9 3.8 0.7

100 to 499 workers ....................................................... 5.7 5.7 – – 3.8 – 6.3 6.1 1.1

500 workers or more ..................................................... 5.8 5.8 – – 5.8 – 5.2 5.2 0.8

Geographic area

New England ..................................................................... 5.4 5.4 – – 2.8 – 6.7 6.7 –

Middle Atlantic ................................................................... 7.2 7.1 0.1 – 4.9 – 2.2 2.2 –

East North Central ............................................................ 9.0 9.0 – 4.2 4.2 – 6.4 6.4 0.5

West North Central ........................................................... 7.2 – – – – – – – –

South Atlantic .................................................................... 9.1 9.0 1.1 – 8.5 – 6.7 7.1 1.2

East South Central ............................................................ – 17.7 – – 3.9 – – – 6.0

West South Central ........................................................... 11.2 11.2 – – 4.3 – 10.1 10.1 –

Mountain ........................................................................... 12.3 12.3 – – 14.5 – 10.1 – –

Pacific ............................................................................... – 7.8 – – 1.8 – 6.6 6.4 0.5

1 The deductible is the amount of covered expenses that an individual or family must pay before

any charges are paid by the medical care plan. Deductibles that apply separately to a specific

category of expenses, such as deductible for each hospital admission, were excluded. 2 Represents the initial coinsurance in plans that have 100 percent coverage after the individual

pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the

individual’s out-of-pocket expenses reach $1,000, and then coverage is 100 percent. 3 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.

4 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details. 5 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/glossary20092010.htm.
Table 15. Outpatient prescription drug benefits: Type of coverage, private industry workers,

National Compensation Survey, 2009

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic drugs Brand-name

drugs

Mail order

drugs

Higher

reimbursement

for formulary

drugs1

Worker characteristic

All workers ........................................................................ 100 99 79 74

Management, professional, and related ............................ 100 99 79 79

Management, business, and financial ........................... 100 99 81 79

Professional and related ............................................... 100 99 78 79

Service .............................................................................. 100 99 62 72

Protective service .......................................................... 100 100 69 63

Sales and office ................................................................ 99 98 85 72

Sales and related .......................................................... 100 99 85 72

Office and administrative support ................................. 98 98 85 72

Natural resources, construction, and maintenance ........... 100 99 79 73

Construction, extraction, farming, fishing, and forestry 100 98 79 70

Installation, maintenance, and repair ............................ 100 100 78 76

Production, transportation, and material moving .............. 100 100 79 73

Production ..................................................................... 100 99 82 73

Transportation and material moving ............................. 100 100 75 72

Full time ............................................................................ 100 99 79 75

Part time ............................................................................ 100 99 72 62

Union ................................................................................. 100 99 81 65

Nonunion ........................................................................... 100 99 78 76

Average wage within the following categories:2

Lowest 25 percent ......................................................... 99 99 72 70

Second 25 percent ........................................................ 99 99 76 71

Third 25 percent ............................................................ 100 99 77 76

Highest 25 percent ........................................................ 100 99 84 77

Highest 10 percent .................................................... 100 99 82 79

Establishment characteristic

Goods-producing industries .............................................. 100 99 82 71

Construction .................................................................. 100 98 73 73

Manufacturing ............................................................... 100 100 86 71

Service-providing industries .............................................. 99 99 77 75

Trade, transportation, and utilities ................................. 99 99 81 69

Retail trade ................................................................ 100 100 81 71

Transportation and warehousing .............................. 100 100 73 70

Information .................................................................... 100 99 88 83

Financial activities ......................................................... 100 99 90 86

Finance and insurance .............................................. 100 99 91 83

Credit intermediation and related activities ........... 100 100 88 78

Insurance carriers and related activities ............... 100 99 93 90

Professional and business services .............................. 99 99 73 74

Professional and technical services .......................... 98 98 72 79

Education and health services ...................................... 100 99 74 77

Educational services ................................................. 100 99 85 87

Junior colleges, colleges, and universities ............ 100 99 83 85

Health care and social assistance ............................ 100 99 72 76

See footnotes at end of table.
Table 15. Outpatient prescription drug benefits: Type of coverage, private industry workers,

National Compensation Survey, 2009—Continued

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic drugs Brand-name

drugs

Mail order

drugs

Higher

reimbursement

for formulary

drugs1

1 to 99 workers ................................................................. 100 99 73 74

1 to 49 workers ............................................................. 100 99 72 72

50 to 99 workers ........................................................... 100 99 79 79

100 workers or more ......................................................... 100 99 83 75

100 to 499 workers ....................................................... 99 98 79 74

500 workers or more ..................................................... 100 99 88 76

Geographic area

New England ..................................................................... 100 100 84 87

Middle Atlantic ................................................................... 100 100 81 78

East North Central ............................................................ 100 99 79 68

West North Central ........................................................... 99 98 68 76

South Atlantic .................................................................... 99 99 77 79

East South Central ............................................................ 100 100 58 80

West South Central ........................................................... 100 99 81 71

Mountain ........................................................................... 100 99 77 66

Pacific ............................................................................... 100 98 86 71

1 Formulary drugs are a listing of prescription medications that are

covered by the plan. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers both above and

below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note for more

details.

NOTE: For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 15. Standard errors for outpatient prescription drug benefits: Type of coverage,

private industry workers, National Compensation Survey, 2009

Characteristics Generic drugs Brand-name

drugs

Mail order

drugs

Higher

reimbursement

for formulary

drugs1

Worker characteristic

All workers ........................................................................ 0.2 0.3 1.5 1.3

Management, professional, and related ............................ 0.1 0.4 2.5 2.1

Management, business, and financial ........................... 0.1 0.2 2.8 2.8

Professional and related ............................................... 0.1 0.6 3.0 2.5

Service .............................................................................. 2 ( ) 0.5 4.1 4.5

Protective service .......................................................... 2 ( ) 2 ( ) 11.0 8.8

Sales and office ................................................................ 0.6 0.7 1.6 2.0

Sales and related .......................................................... 2 ( ) 0.3 2.1 3.1

Office and administrative support ................................. 0.9 1.0 2.1 2.7

Natural resources, construction, and maintenance ........... 0.1 0.6 3.3 3.5

Construction, extraction, farming, fishing, and forestry 0.1 1.2 4.2 5.5

Installation, maintenance, and repair ............................ 0.2 2 ( ) 4.6 4.0

Production, transportation, and material moving .............. 0.1 0.2 2.7 2.6

Production ..................................................................... 0.1 0.2 3.0 3.1

Transportation and material moving ............................. 2 ( ) 0.4 4.5 4.2

Full time ............................................................................ 0.2 0.3 1.5 1.4

Part time ............................................................................ 0.1 0.4 4.6 5.8

Union ................................................................................. 0.1 0.4 3.2 3.6

Nonunion ........................................................................... 0.2 0.4 1.6 1.4

Average wage within the following categories:3

Lowest 25 percent ......................................................... 0.5 0.7 3.1 3.6

Second 25 percent ........................................................ 0.4 0.5 2.5 2.6

Third 25 percent ............................................................ 0.2 0.4 2.0 2.1

Highest 25 percent ........................................................ 0.1 0.2 2.1 1.7

Highest 10 percent .................................................... 0.1 0.3 3.4 2.6

Establishment characteristic

Goods-producing industries .............................................. 2 ( ) 0.3 2.0 2.3

Construction .................................................................. 2 ( ) 1.1 4.9 5.2

Manufacturing ............................................................... 2 ( ) 0.1 2.3 2.6

Service-providing industries .............................................. 0.2 0.4 1.8 1.5

Trade, transportation, and utilities ................................. 0.3 0.5 2.3 2.7

Retail trade ................................................................ 2 ( ) 0.2 2.9 3.0

Transportation and warehousing .............................. 2 ( ) 2 ( ) 7.5 7.2

Information .................................................................... 2 ( ) 0.2 5.1 5.3

Financial activities ......................................................... 0.1 0.4 1.7 2.3

Finance and insurance .............................................. 0.1 0.5 1.6 2.3

Credit intermediation and related activities ........... 2 ( ) 2 ( ) 2.9 4.3

Insurance carriers and related activities ............... 2 ( ) 1.1 2.5 2.7

Professional and business services .............................. 1.1 1.1 5.6 4.3

Professional and technical services .......................... 1.9 1.9 7.8 5.7

Education and health services ...................................... 0.1 0.6 3.7 3.6

Educational services ................................................. 0.1 0.4 3.0 2.4

Junior colleges, colleges, and universities ............ 0.2 0.4 2.9 2.1

Health care and social assistance ............................ 0.2 0.7 4.4 4.2

See footnotes at end of table.
Table 15. Standard errors for outpatient prescription drug benefits: Type of coverage,

private industry workers, National Compensation Survey, 2009—Continued

Characteristics Generic drugs Brand-name

drugs

Mail order

drugs

Higher

reimbursement

for formulary

drugs1

1 to 99 workers ................................................................. 0.2 0.3 2.8 2.5

1 to 49 workers ............................................................. 0.2 0.3 3.6 3.1

50 to 99 workers ........................................................... 2 ( ) 1.0 2.7 3.2

100 workers or more ......................................................... 0.3 0.4 1.7 1.3

100 to 499 workers ....................................................... 0.6 0.7 2.8 2.0

500 workers or more ..................................................... 0.2 0.3 1.4 2.0

Geographic area

New England ..................................................................... 2 ( ) 0.1 9.8 4.2

Middle Atlantic ................................................................... 2 ( ) 0.2 4.2 3.1

East North Central ............................................................ 0.3 0.5 3.2 4.2

West North Central ........................................................... 0.8 0.9 6.2 3.7

South Atlantic .................................................................... 0.9 0.9 3.6 3.0

East South Central ............................................................ 2 ( ) 0.3 5.0 1.8

West South Central ........................................................... 0.3 0.6 4.0 2.5

Mountain ........................................................................... 2 ( ) 1.3 3.3 6.7

Pacific ............................................................................... 0.1 1.4 3.6 4.7

1 Formulary drugs are a listing of prescription medications that are

covered by the plan. 2 Less than 0.05. 3 The categories are based on the average wage for each

occupation surveyed, which may include workers both above and

below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational

Earnings in the United States, 2008." See Technical Note for more

details.

NOTE: For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 16. Outpatient prescription drug benefits: Copayment provisions, private industry workers, National Compensation Survey,

2009

(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)

Characteristics

Generic drugs1 Brand-name drugs2

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristic

All workers ........................................................................ 82 13 5 $10.00 79 15 5 $25.00

Management, professional, and related ............................ 81 14 6 10.00 79 15 6 25.00

Management, business, and financial ........................... 75 20 5 10.00 74 21 5 25.00

Professional and related ............................................... 84 10 6 10.00 82 12 7 25.00

Service .............................................................................. 87 10 3 10.00 83 12 5 25.00

Protective service .......................................................... 86 – – 10.00 85 – – 30.00

Sales and office ................................................................ 82 11 6 10.00 79 14 7 25.00

Sales and related .......................................................... 82 10 8 10.00 76 15 10 25.00

Office and administrative support ................................. 83 12 5 10.00 80 14 6 25.00

Natural resources, construction, and maintenance ........... 76 21 3 10.00 77 21 2 25.00

Construction, extraction, farming, fishing, and forestry 72 24 4 10.00 77 21 2 25.00

Installation, maintenance, and repair ............................ 80 18 1 10.00 78 21 2 25.00

Production, transportation, and material moving .............. 83 13 4 10.00 80 16 4 25.00

Production ..................................................................... 83 12 5 10.00 81 13 5 25.00

Transportation and material moving ............................. 84 14 2 10.00 77 20 3 25.00

Full time ............................................................................ 82 14 5 10.00 79 16 5 25.00

Part time ............................................................................ 83 – – 10.00 79 12 8 25.00

Union ................................................................................. 77 19 4 10.00 74 21 5 20.00

Nonunion ........................................................................... 83 12 5 10.00 80 14 6 25.00

Average wage within the following categories:3

Lowest 25 percent ......................................................... 85 12 4 10.00 80 15 5 25.00

Second 25 percent ........................................................ 84 12 4 10.00 81 14 5 30.00

Third 25 percent ............................................................ 81 13 6 10.00 78 15 7 25.00

Highest 25 percent ........................................................ 80 16 4 10.00 78 17 5 25.00

Highest 10 percent .................................................... 79 16 5 10.00 78 17 5 25.00

Establishment characteristic

Goods-producing industries .............................................. 79 15 5 10.00 78 16 5 25.00

Construction .................................................................. 78 17 5 10.00 82 14 4 30.00

Manufacturing ............................................................... 80 15 6 10.00 77 16 6 25.00

Service-providing industries .............................................. 83 13 5 10.00 80 15 5 25.00

Trade, transportation, and utilities ................................. 85 12 3 10.00 78 17 5 25.00

Retail trade ................................................................ 88 6 5 10.00 77 15 8 25.00

Transportation and warehousing .............................. 78 18 4 10.00 75 20 4 25.00

Information .................................................................... 64 – – 10.00 59 – – 25.00

Financial activities ......................................................... 83 14 3 10.00 82 15 3 25.00

Finance and insurance .............................................. 83 14 4 10.00 81 16 4 25.00

Credit intermediation and related activities ........... 79 16 5 10.00 75 19 5 25.00

Insurance carriers and related activities ............... 83 14 2 10.00 85 13 2 25.00

Professional and business services .............................. 78 14 7 10.00 79 13 7 30.00

Professional and technical services .......................... 77 – – 10.00 78 – – 30.00

Education and health services ...................................... 85 10 5 10.00 82 13 6 25.00

Educational services ................................................. 94 3 3 10.00 92 – – 25.00

Junior colleges, colleges, and universities ............ 89 5 6 10.00 90 5 5 25.00

Health care and social assistance ............................ 84 11 5 10.00 80 14 6 25.00

See footnotes at end of table.
Table 16. Outpatient prescription drug benefits: Copayment provisions, private industry workers, National Compensation Survey,

2009—Continued

(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)

Characteristics

Generic drugs1 Brand-name drugs2

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

1 to 99 workers ................................................................. 82 14 4 $10.00 80 15 4 $25.00

1 to 49 workers ............................................................. 81 14 5 10.00 80 14 5 25.00

50 to 99 workers ........................................................... 87 12 1 10.00 80 18 1 25.00

100 workers or more ......................................................... 81 13 5 10.00 78 15 6 25.00

100 to 499 workers ....................................................... 81 12 7 10.00 77 15 8 25.00

500 workers or more ..................................................... 82 14 3 10.00 80 16 4 25.00

Geographic area

New England ..................................................................... 89 6 5 10.00 86 9 5 25.00

Middle Atlantic ................................................................... 83 13 4 10.00 82 13 5 25.00

East North Central ............................................................ 75 17 8 10.00 71 21 8 30.00

West North Central ........................................................... 84 11 6 10.00 79 14 7 25.00

South Atlantic .................................................................... 85 11 5 10.00 84 12 4 25.00

East South Central ............................................................ 82 – – 10.00 77 17 6 30.00

West South Central ........................................................... 77 – – 10.00 75 18 8 30.00

Mountain ........................................................................... 77 21 2 10.00 78 20 2 25.00

Pacific ............................................................................... 86 12 2 10.00 82 15 3 25.00

1 All workers participating in an outpatient prescription drug plan with a generic drug provision

equals 100 percent. 2 All workers participating in an outpatient prescription drug plan with a brand-name drug provision

equals 100 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

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/glossary20092010.htm.
Table 16. Standard errors for outpatient prescription drug benefits: Copayment provisions, private industry workers, National

Compensation Survey, 2009

Characteristics

Generic drugs Brand-name drugs

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristic

All workers ........................................................................ 1.3 1.1 0.8 $0.00 1.2 1.1 0.8 $0.00

Management, professional, and related ............................ 1.9 1.9 1.4 0.00 2.0 2.0 1.5 0.00

Management, business, and financial ........................... 3.3 3.5 1.1 0.00 3.3 3.6 1.1 1.70

Professional and related ............................................... 2.1 1.8 1.9 0.00 2.1 1.7 2.1 0.00

Service .............................................................................. 2.4 2.3 0.9 0.00 3.0 2.9 1.2 0.98

Protective service .......................................................... 6.3 – – 0.00 6.5 – – 3.42

Sales and office ................................................................ 2.1 1.4 1.9 0.00 2.1 1.6 1.7 0.00

Sales and related .......................................................... 3.2 2.1 3.4 0.00 3.6 2.7 3.2 0.98

Office and administrative support ................................. 2.6 1.8 1.7 0.00 2.8 2.0 1.7 0.00

Natural resources, construction, and maintenance ........... 3.6 3.4 1.0 0.00 3.5 3.4 0.8 2.40

Construction, extraction, farming, fishing, and forestry 5.9 5.2 1.9 0.00 5.3 4.9 1.6 4.28

Installation, maintenance, and repair ............................ 4.1 4.2 0.6 0.00 4.4 4.5 0.7 2.60

Production, transportation, and material moving .............. 2.2 2.0 1.1 0.00 2.3 2.2 1.1 0.00

Production ..................................................................... 2.9 2.3 1.7 0.00 3.0 2.5 1.8 0.00

Transportation and material moving ............................. 2.6 2.7 1.0 0.00 3.1 3.2 1.0 0.00

Full time ............................................................................ 1.2 1.2 0.7 0.00 1.2 1.2 0.7 0.00

Part time ............................................................................ 5.0 – – 0.00 5.2 2.9 4.1 5.73

Union ................................................................................. 3.9 2.8 1.8 0.00 4.3 3.1 1.9 0.00

Nonunion ........................................................................... 1.3 1.2 0.8 0.00 1.3 1.3 0.7 0.00

Average wage within the following categories:1

Lowest 25 percent ......................................................... 3.1 2.6 1.2 0.00 3.0 2.7 1.2 0.00

Second 25 percent ........................................................ 1.7 1.5 0.8 0.00 1.9 1.6 0.8 2.83

Third 25 percent ............................................................ 1.9 1.6 1.4 0.00 2.0 1.9 1.4 0.00

Highest 25 percent ........................................................ 1.8 1.8 0.8 0.00 1.8 1.8 0.9 0.00

Highest 10 percent .................................................... 3.0 2.8 1.5 0.00 2.9 2.7 1.6 0.00

Establishment characteristic

Goods-producing industries .............................................. 2.8 2.2 1.3 0.00 2.5 2.2 1.3 0.00

Construction .................................................................. 4.8 4.2 2.0 0.00 4.1 3.8 1.9 0.00

Manufacturing ............................................................... 3.4 2.9 1.4 0.00 3.1 2.8 1.4 0.00

Service-providing industries .............................................. 1.3 1.3 0.9 0.00 1.4 1.3 0.9 0.00

Trade, transportation, and utilities ................................. 1.6 1.7 1.1 0.00 2.0 2.1 1.0 0.00

Retail trade ................................................................ 2.6 1.6 2.4 0.00 3.3 3.2 2.1 2.73

Transportation and warehousing .............................. 5.2 5.2 1.7 0.00 5.5 5.5 1.7 0.00

Information .................................................................... 8.6 – – 0.00 9.4 – – 0.98

Financial activities ......................................................... 3.0 3.1 0.8 0.00 2.9 3.0 0.8 0.98

Finance and insurance .............................................. 2.5 2.5 0.9 0.00 2.6 2.6 0.9 0.00

Credit intermediation and related activities ........... 4.3 4.2 1.6 0.00 4.6 4.5 1.6 0.00

Insurance carriers and related activities ............... 3.5 3.4 1.3 0.00 3.6 3.3 1.3 6.51

Professional and business services .............................. 3.1 3.2 2.7 0.00 3.1 3.0 2.7 2.13

Professional and technical services .......................... 5.6 – – 0.00 5.7 – – 5.28

Education and health services ...................................... 2.5 2.2 1.4 0.00 2.8 2.7 1.5 0.00

Educational services ................................................. 2.8 0.8 2.7 0.00 3.1 – – 0.59

Junior colleges, colleges, and universities ............ 4.5 1.3 4.5 0.00 4.6 1.3 4.6 0.00

Health care and social assistance ............................ 2.9 2.6 1.6 0.00 3.2 3.1 1.7 0.00

See footnotes at end of table.
Table 16. Standard errors for outpatient prescription drug benefits: Copayment provisions, private industry workers, National

Compensation Survey, 2009—Continued

Characteristics

Generic drugs Brand-name drugs

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

1 to 99 workers ................................................................. 1.8 1.7 1.1 $0.00 1.6 1.6 1.0 $6.06

1 to 49 workers ............................................................. 2.3 2.0 1.4 0.00 2.2 2.1 1.3 5.94

50 to 99 workers ........................................................... 2.8 2.6 0.6 0.00 3.3 3.3 0.6 7.26

100 workers or more ......................................................... 1.8 1.5 0.9 0.00 1.7 1.5 0.9 0.00

100 to 499 workers ....................................................... 2.8 2.4 1.4 0.00 2.5 2.4 1.5 0.00

500 workers or more ..................................................... 1.7 1.5 0.8 0.00 1.7 1.6 0.8 5.15

Geographic area

New England ..................................................................... 4.4 1.2 4.4 0.00 4.6 1.5 4.7 0.00

Middle Atlantic ................................................................... 3.8 2.6 2.3 0.00 3.0 2.4 1.7 2.94

East North Central ............................................................ 3.8 3.6 2.6 0.00 3.8 3.9 2.6 5.58

West North Central ........................................................... 3.3 2.7 2.4 0.00 4.0 3.5 2.0 0.00

South Atlantic .................................................................... 2.2 1.9 1.1 0.00 2.3 1.9 1.0 1.59

East South Central ............................................................ 5.3 – – 0.00 2.4 4.0 2.5 7.72

West South Central ........................................................... 3.7 – – 0.00 4.2 4.7 2.0 2.23

Mountain ........................................................................... 5.2 4.9 1.2 0.00 4.6 4.7 1.2 0.55

Pacific ............................................................................... 2.9 2.8 0.8 0.00 2.7 2.4 1.1 0.00

1 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

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/glossary20092010.htm.
Table 17. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2009

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

With

minimum

age or

service

requirement

Median age

requirement

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

Worker characteristic

All workers ........................................................................ 100 87 69 21 12 18 1 12 1

Management, professional, and related ............................ 100 83 67 21 12 16 1 ( ) 17 1 ( )

Management, business, and financial ........................... 100 86 73 21 12 12 1 ( ) 14 1 ( )

Professional and related ............................................... 100 81 62 21 12 19 1 ( ) 18 1

Service .............................................................................. 100 91 80 21 12 9 2 9 1

Sales and office ................................................................ 100 94 81 21 12 12 1 ( ) 6 1 ( )

Sales and related .......................................................... 100 98 88 21 12 – – – –

Office and administrative support ................................. 100 92 79 21 12 13 1 ( ) 7 1 ( )

Natural resources, construction, and maintenance ........... 100 89 53 21 12 35 1 ( ) – –

Construction, extraction, farming, fishing, and forestry 100 97 47 21 12 49 – – –

Installation, maintenance, and repair ............................ 100 78 60 21 12 – – – –

Production, transportation, and material moving .............. 100 83 61 21 12 20 2 15 2

Production ..................................................................... 100 68 45 21 12 20 3 28 4

Transportation and material moving ............................. 100 96 76 21 12 – – – –

Full time ............................................................................ 100 86 67 21 12 18 1 13 1

Part time ............................................................................ 100 94 80 21 12 14 1 ( ) – –

Union ................................................................................. 100 89 63 21 12 25 1 10 1 ( )

Nonunion ........................................................................... 100 86 72 21 12 13 1 13 1

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 93 76 21 12 – – – –

Second 25 percent ........................................................ 100 93 71 21 12 21 1 7 1 ( )

Third 25 percent ............................................................ 100 90 72 21 12 16 2 8 2

Highest 25 percent ........................................................ 100 81 63 21 12 18 1 ( ) 18 1

Highest 10 percent .................................................... 100 82 69 21 12 13 1 ( ) 17 1 ( )

Establishment characteristic

Goods-producing industries .............................................. 100 74 43 21 12 28 3 24 2

Construction .................................................................. 100 97 39 – – 58 – – –

Manufacturing ............................................................... 100 66 44 21 12 17 4 31 3

Service-providing industries .............................................. 100 91 77 21 12 14 1 ( ) 8 1 ( )

Trade, transportation, and utilities ................................. 100 92 79 21 12 13 – – –

Retail trade ................................................................ 100 94 78 21 12 – – – –

Information .................................................................... 100 83 71 21 12 – – – –

Financial activities ......................................................... 100 90 80 21 12 10 1 ( ) 10 1 ( )

Finance and insurance .............................................. 100 90 79 21 12 10 1 ( ) 10 1 ( )

Credit intermediation and related activities ........... 100 93 82 21 12 – – – –

Insurance carriers and related activities ............... 100 88 76 21 12 – – – –

Education and health services ...................................... 100 94 69 21 12 24 1 6 –

Educational services ................................................. 100 93 – – – 47 – – –

Junior colleges, colleges, and universities ............ 100 87 47 19 12 40 – – –

Health care and social assistance ............................ 100 94 70 21 12 – – 6 –

See footnotes at end of table.
Table 17. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2009—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

With

minimum

age or

service

requirement

Median age

requirement

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

1 to 99 workers ................................................................. 100 87 69 21 12 17 1 ( ) 11 2

1 to 49 workers ............................................................. 100 88 70 21 12 – – 12 1 ( )

50 to 99 workers ........................................................... 100 85 68 21 12 – – – –

100 workers or more ......................................................... 100 87 68 21 12 18 1 13 1 ( )

100 to 499 workers ....................................................... 100 88 66 21 12 20 2 12 –

500 workers or more ..................................................... 100 86 70 21 12 16 1 13 1

Geographic area

New England ..................................................................... 100 91 77 21 12 14 1 – –

Middle Atlantic ................................................................... 100 90 71 21 12 19 – 10 1 ( )

East North Central ............................................................ 100 80 67 21 12 12 1 20 1 ( )

West North Central ........................................................... 100 91 83 21 12 – – – –

South Atlantic .................................................................... 100 83 67 21 12 14 2 15 2

East South Central ............................................................ 100 94 – – – 52 – – –

West South Central ........................................................... 100 94 68 21 12 – – – –

Mountain ........................................................................... 100 85 66 21 12 – – – –

Pacific ............................................................................... 100 86 67 21 12 19 – – –

1 Less than 0.5 percent. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

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/glossary20092010.htm.
Table 17. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National Compensation

Survey, 2009

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

With

minimum

age or

service

requirement

Median age

requirement

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

Worker characteristic

All workers ........................................................................ 1.2 2.0 0.0 0.0 1.7 0.2 1.2 0.4

Management, professional, and related ............................ 2.0 3.0 0.0 0.0 2.5 0.2 2.0 0.3

Management, business, and financial ........................... 2.3 3.5 0.0 0.0 2.5 0.3 2.3 1 ( )

Professional and related ............................................... 2.6 3.8 0.0 0.0 4.1 0.3 2.5 0.4

Service .............................................................................. 2.6 3.3 0.0 0.0 2.1 1.1 2.7 0.3

Sales and office ................................................................ 1.2 2.6 0.0 0.0 2.3 0.2 1.2 0.1

Sales and related .......................................................... 1.5 4.9 0.0 0.0 – – – –

Office and administrative support ................................. 1.7 2.8 0.0 0.0 2.2 0.3 1.7 0.2

Natural resources, construction, and maintenance ........... 4.0 5.2 0.0 0.0 5.4 0.3 – –

Construction, extraction, farming, fishing, and forestry 1.7 6.6 4.0 1.2 6.8 – – –

Installation, maintenance, and repair ............................ 7.9 8.8 0.0 0.0 – – – –

Production, transportation, and material moving .............. 2.9 5.2 0.0 0.0 4.0 0.8 2.6 1.5

Production ..................................................................... 3.9 5.3 0.0 0.0 4.0 1.1 3.7 2.3

Transportation and material moving ............................. 1.7 6.4 0.0 0.0 – – – –

Full time ............................................................................ 1.3 2.1 0.0 0.0 2.0 0.3 1.3 0.5

Part time ............................................................................ 2.2 4.7 0.0 0.0 4.0 0.2 – –

Union ................................................................................. 1.8 2.7 0.0 0.0 2.2 0.4 1.8 0.2

Nonunion ........................................................................... 1.6 2.8 0.0 0.0 2.5 0.3 1.6 0.7

Average wage within the following categories:2

Lowest 25 percent ......................................................... 3.2 5.8 0.0 0.0 – – – –

Second 25 percent ........................................................ 1.7 3.8 0.0 0.0 4.0 0.3 1.7 0.1

Third 25 percent ............................................................ 1.9 3.2 0.0 0.0 2.7 0.6 1.4 1.4

Highest 25 percent ........................................................ 2.0 2.5 0.0 0.0 1.7 0.2 2.0 0.4

Highest 10 percent .................................................... 2.5 3.1 0.0 0.0 1.9 0.2 2.5 0.2

Establishment characteristic

Goods-producing industries .............................................. 3.2 3.7 0.0 0.0 4.4 0.9 3.1 1.7

Construction .................................................................. 2.6 7.0 – – 7.2 – – –

Manufacturing ............................................................... 4.0 4.5 0.0 0.0 4.3 1.3 3.6 2.3

Service-providing industries .............................................. 1.3 2.5 0.0 0.0 2.0 0.1 1.3 0.2

Trade, transportation, and utilities ................................. 2.9 4.3 0.0 0.0 3.4 – – –

Retail trade ................................................................ 4.0 7.3 0.0 0.0 – – – –

Information .................................................................... 5.6 8.4 0.0 0.0 – – – –

Financial activities ......................................................... 2.1 3.2 0.0 0.0 2.9 0.2 2.1 1 ( )

Finance and insurance .............................................. 2.4 3.6 0.0 0.0 3.0 0.2 2.4 1 ( )

Credit intermediation and related activities ........... 3.4 4.7 0.0 0.0 – – – –

Insurance carriers and related activities ............... 4.1 6.2 0.0 0.0 – – – –

Education and health services ...................................... 1.6 6.4 0.0 0.0 6.5 0.5 1.6 –

Educational services ................................................. 2.6 – – – 13.4 – – –

Junior colleges, colleges, and universities ............ 3.6 5.1 2.2 0.0 4.6 – – –

Health care and social assistance ............................ 1.7 6.7 0.0 0.0 – – 1.7 –

See footnotes at end of table.
Table 17. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National Compensation

Survey, 2009—Continued

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

With

minimum

age or

service

requirement

Median age

requirement

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

1 to 99 workers ................................................................. 2.8 5.0 0.0 0.0 5.1 0.2 2.7 1.5

1 to 49 workers ............................................................. 3.5 6.6 0.0 0.0 – – 3.5 0.5

50 to 99 workers ........................................................... 5.7 6.7 0.0 0.0 – – – –

100 workers or more ......................................................... 1.5 2.2 0.0 0.0 1.7 0.3 1.5 0.2

100 to 499 workers ....................................................... 2.1 3.3 0.0 0.0 2.7 0.7 2.1 –

500 workers or more ..................................................... 1.9 2.7 0.0 0.0 2.1 0.3 1.9 0.4

Geographic area

New England ..................................................................... 3.1 5.1 0.0 0.0 2.9 0.5 – –

Middle Atlantic ................................................................... 2.2 3.8 0.0 0.0 3.7 – 2.3 0.2

East North Central ............................................................ 2.5 4.1 0.0 0.0 2.7 0.6 2.6 1 ( )

West North Central ........................................................... 5.1 7.1 0.0 0.0 – – – –

South Atlantic .................................................................... 4.2 5.4 0.0 0.0 3.4 0.8 4.5 1.6

East South Central ............................................................ 1.7 – – – 14.4 – – –

West South Central ........................................................... 2.0 9.0 0.0 0.0 – – – –

Mountain ........................................................................... 9.0 10.3 0.0 0.0 – – – –

Pacific ............................................................................... 4.6 6.6 0.0 0.0 3.3 – – –

1 Less than 0.05. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 18. Defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2009

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Single

employer

Multiemployer1 Other2

Worker characteristic

All workers ........................................................................ 100 70 – –

Management, professional, and related ............................ 100 89 – –

Management, business, and financial ........................... 100 91 – –

Professional and related ............................................... 100 87 – –

Service .............................................................................. 100 59 – –

Sales and office ................................................................ 100 82 – –

Sales and related .......................................................... 100 63 – –

Office and administrative support ................................. 100 89 – –

Natural resources, construction, and maintenance ........... 100 – 66 –

Construction, extraction, farming, fishing, and forestry 100 – 92 –

Installation, maintenance, and repair ............................ 100 61 – –

Production, transportation, and material moving .............. 100 57 – –

Production ..................................................................... 100 74 – –

Transportation and material moving ............................. 100 42 – –

Full time ............................................................................ 100 72 – –

Part time ............................................................................ 100 53 – –

Union ................................................................................. 100 – 57 –

Nonunion ........................................................................... 100 91 – –

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 60 – –

Second 25 percent ........................................................ 100 73 – –

Third 25 percent ............................................................ 100 69 – –

Highest 25 percent ........................................................ 100 72 – –

Highest 10 percent .................................................... 100 82 – –

Establishment characteristic

Goods-producing industries .............................................. 100 55 45 –

Construction .................................................................. 100 – 99 –

Manufacturing ............................................................... 100 70 30 –

Service-providing industries .............................................. 100 75 – –

Trade, transportation, and utilities ................................. 100 56 30 15

Retail trade ................................................................ 100 56 – –

Information .................................................................... 100 77 – –

Financial activities ......................................................... 100 99 – –

Finance and insurance .............................................. 100 100 – –

Credit intermediation and related activities ........... 100 100 – –

Insurance carriers and related activities ............... 100 99 – –

Education and health services ...................................... 100 76 – –

Educational services ................................................. 100 80 – –

Junior colleges, colleges, and universities ............ 100 99 – –

Health care and social assistance ............................ 100 76 – –

See footnotes at end of table.
Table 18. Defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2009—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Single

employer

Multiemployer1 Other2

1 to 99 workers ................................................................. 100 61 – –

1 to 49 workers ............................................................. 100 56 – –

50 to 99 workers ........................................................... 100 73 – –

100 workers or more ......................................................... 100 74 – –

100 to 499 workers ....................................................... 100 64 – –

500 workers or more ..................................................... 100 82 – –

Geographic area

New England ..................................................................... 100 74 – –

Middle Atlantic ................................................................... 100 65 – –

East North Central ............................................................ 100 71 – –

West North Central ........................................................... 100 67 – –

South Atlantic .................................................................... 100 85 – –

West South Central ........................................................... 100 71 – –

Mountain ........................................................................... 100 78 – –

Pacific ............................................................................... 100 67 – –

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 Includes plans administered by employer associations and

the United States Railroad Retirement Board. 3 The categories are based on the average wage for each

occupation surveyed, which may include workers both above and

below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 18. Standard errors for defined benefit plans: Plan sponsor, private

industry workers, National Compensation Survey, 2009

Characteristics Single

employer

Multiemployer1 Other2

Worker characteristic

All workers ........................................................................ 2.5 – –

Management, professional, and related ............................ 2.6 – –

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

Professional and related ............................................... 3.8 – –

Service .............................................................................. 3.9 – –

Sales and office ................................................................ 4.1 – –

Sales and related .......................................................... 10.4 – –

Office and administrative support ................................. 2.5 – –

Natural resources, construction, and maintenance ........... – 5.0 –

Construction, extraction, farming, fishing, and forestry – 3.0 –

Installation, maintenance, and repair ............................ 8.0 – –

Production, transportation, and material moving .............. 5.7 – –

Production ..................................................................... 3.9 – –

Transportation and material moving ............................. 7.7 – –

Full time ............................................................................ 2.5 – –

Part time ............................................................................ 7.1 – –

Union ................................................................................. – 3.9 –

Nonunion ........................................................................... 2.5 – –

Average wage within the following categories:3

Lowest 25 percent ......................................................... 7.5 – –

Second 25 percent ........................................................ 5.8 – –

Third 25 percent ............................................................ 3.7 – –

Highest 25 percent ........................................................ 2.8 – –

Highest 10 percent .................................................... 3.7 – –

Establishment characteristic

Goods-producing industries .............................................. 3.9 3.9 –

Construction .................................................................. – 1.3 –

Manufacturing ............................................................... 4.5 4.5 –

Service-providing industries .............................................. 2.6 – –

Trade, transportation, and utilities ................................. 5.5 4.4 4.2

Retail trade ................................................................ 7.7 – –

Information .................................................................... 6.7 – –

Financial activities ......................................................... 0.4 – –

Finance and insurance .............................................. 0.2 – –

Credit intermediation and related activities ........... 0.3 – –

Insurance carriers and related activities ............... 0.1 – –

Education and health services ...................................... 6.5 – –

Educational services ................................................. 16.6 – –

Junior colleges, colleges, and universities ............ 0.4 – –

Health care and social assistance ............................ 6.9 – –

See footnotes at end of table.
Table 18. Standard errors for defined benefit plans: Plan sponsor, private

industry workers, National Compensation Survey, 2009—Continued

Characteristics Single

employer

Multiemployer1 Other2

1 to 99 workers ................................................................. 5.4 – –

1 to 49 workers ............................................................. 7.0 – –

50 to 99 workers ........................................................... 7.0 – –

100 workers or more ......................................................... 3.0 – –

100 to 499 workers ....................................................... 4.5 – –

500 workers or more ..................................................... 3.1 – –

Geographic area

New England ..................................................................... 13.4 – –

Middle Atlantic ................................................................... 3.2 – –

East North Central ............................................................ 5.4 – –

West North Central ........................................................... 6.5 – –

South Atlantic .................................................................... 5.3 – –

West South Central ........................................................... 6.7 – –

Mountain ........................................................................... 6.9 – –

Pacific ............................................................................... 10.2 – –

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 Includes plans administered by employer

associations and the United States Railroad Retirement

Board. 3 The categories are based on the average wage for

each occupation surveyed, which may include workers

both above and below the threshold. The average wages

are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more

details.

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/glossary20092010.htm.
Table 19. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2009

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

amount

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristic

All workers ........................................................................ 100 75 35 11 24 6 25 23 – –

Management, professional, and related ............................ 100 64 37 17 – – 36 33 – –

Management, business, and financial ........................... 100 58 33 14 – – 42 40 – –

Professional and related ............................................... 100 68 40 19 – – 32 29 – –

Service .............................................................................. 100 78 32 – 32 – 22 17 – –

Sales and office ................................................................ 100 69 37 – 21 – 31 31 – –

Sales and related .......................................................... 100 81 29 – 44 – 19 19 – –

Office and administrative support ................................. 100 64 39 13 – – 36 36 – –

Natural resources, construction, and maintenance ........... 100 85 – – 42 21 15 15 – –

Construction, extraction, farming, fishing, and forestry 100 – – – 53 36 – – – –

Installation, maintenance, and repair ............................ 100 73 33 – 27 – 27 27 – –

Production, transportation, and material moving .............. 100 91 40 – 35 – 9 7 – –

Production ..................................................................... 100 86 39 – 38 – 14 11 – –

Transportation and material moving ............................. 100 – 41 – 33 – – – – –

Full time ............................................................................ 100 74 36 11 21 6 26 24 – –

Part time ............................................................................ 100 81 25 – 44 – 19 17 – –

Union ................................................................................. 100 87 22 6 45 13 13 11 – –

Nonunion ........................................................................... 100 67 42 14 – – 33 31 – –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 77 36 – – – 23 22 – –

Second 25 percent ........................................................ 100 80 37 – 26 – 20 18 – –

Third 25 percent ............................................................ 100 76 39 – 24 – 24 23 – –

Highest 25 percent ........................................................ 100 71 31 12 21 7 29 26 – –

Highest 10 percent .................................................... 100 67 30 – 18 – 33 28 – –

Establishment characteristic

Goods-producing industries .............................................. 100 84 27 3 39 15 16 13 – –

Construction .................................................................. 100 – – – 52 41 – – – –

Manufacturing ............................................................... 100 81 35 – 36 – 19 16 – –

Service-providing industries .............................................. 100 72 37 – 19 – 28 27 – –

Trade, transportation, and utilities ................................. 100 91 39 – 36 – 9 9 – –

Retail trade ................................................................ 100 – 28 – 49 – – – – –

Information .................................................................... 100 47 – – – – 53 45 – –

Financial activities ......................................................... 100 47 26 13 – – 53 52 – –

Finance and insurance .............................................. 100 47 27 13 – – 53 53 – –

Credit intermediation and related activities ........... 100 34 13 16 – – 66 65 – –

Insurance carriers and related activities ............... 100 62 53 – – – 38 37 – –

Education and health services ...................................... 100 76 46 – – – 24 21 – –

Junior colleges, colleges, and universities ............ 100 – 30 25 – – – – – –

Health care and social assistance ............................ 100 75 46 – – – 25 22 – –

1 to 99 workers ................................................................. 100 81 38 15 17 11 19 18 – –

1 to 49 workers ............................................................. 100 78 38 – 15 – 22 22 – –

50 to 99 workers ........................................................... 100 – 39 – – – – – – –

100 workers or more ......................................................... 100 73 33 – 27 – 27 25 – –

100 to 499 workers ....................................................... 100 78 33 – 35 – 22 19 – –

500 workers or more ..................................................... 100 68 34 – 20 – 32 30 – –

See footnotes at end of table.
Table 19. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2009—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

amount

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Geographic area

Middle Atlantic ................................................................... 100 73 37 – 26 – 27 25 – –

East North Central ............................................................ 100 74 29 – 34 – 26 22 – –

West North Central ........................................................... 100 79 34 – 23 – 21 21 – –

South Atlantic .................................................................... 100 69 40 – 18 – 31 29 – –

West South Central ........................................................... 100 83 45 – – – 17 16 – –

Pacific ............................................................................... 100 77 34 – 15 – 23 22 – –

1 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 19. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation Survey,

2009

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

amount

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristic

All workers ........................................................................ 1.6 2.6 1.3 1.7 1.4 1.6 1.5 – –

Management, professional, and related ............................ 2.6 3.2 2.6 – – 2.6 2.8 – –

Management, business, and financial ........................... 4.9 3.9 3.3 – – 4.9 5.2 – –

Professional and related ............................................... 3.0 3.9 3.6 – – 3.0 3.3 – –

Service .............................................................................. 3.2 7.7 – 8.8 – 3.2 3.9 – –

Sales and office ................................................................ 3.2 4.4 – 4.3 – 3.2 3.1 – –

Sales and related .......................................................... 4.9 8.5 – 10.0 – 4.9 4.6 – –

Office and administrative support ................................. 3.9 4.8 2.2 – – 3.9 3.9 – –

Natural resources, construction, and maintenance ........... 3.7 – – 6.7 5.4 3.7 3.7 – –

Construction, extraction, farming, fishing, and forestry – – – 9.1 9.2 – – – –

Installation, maintenance, and repair ............................ 7.3 7.3 – 7.8 – 7.3 7.3 – –

Production, transportation, and material moving .............. 2.3 6.3 – 4.5 – 2.3 1.9 – –

Production ..................................................................... 3.8 6.7 – 5.1 – 3.8 3.0 – –

Transportation and material moving ............................. – 8.1 – 6.5 – – – – –

Full time ............................................................................ 1.8 2.5 1.5 1.8 1.2 1.8 1.7 – –

Part time ............................................................................ 2.6 5.1 – 4.9 – 2.6 2.7 – –

Union ................................................................................. 2.2 4.0 1.5 3.2 3.5 2.2 1.8 – –

Nonunion ........................................................................... 2.4 3.0 2.0 – – 2.4 2.6 – –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 4.7 6.9 – – – 4.7 4.7 – –

Second 25 percent ........................................................ 3.6 4.5 – 3.8 – 3.6 2.8 – –

Third 25 percent ............................................................ 2.8 4.1 – 2.6 – 2.8 2.7 – –

Highest 25 percent ........................................................ 2.0 2.8 1.8 2.5 2.0 2.0 2.1 – –

Highest 10 percent .................................................... 3.1 4.7 – 4.5 – 3.1 3.8 – –

Establishment characteristic

Goods-producing industries .............................................. 3.5 3.4 0.9 4.5 3.1 3.5 2.9 – –

Construction .................................................................. – – – 8.4 8.8 – – – –

Manufacturing ............................................................... 4.3 4.6 – 4.7 – 4.3 3.6 – –

Service-providing industries .............................................. 2.1 3.2 – 2.1 – 2.1 2.1 – –

Trade, transportation, and utilities ................................. 2.0 4.8 – 4.7 – 2.0 2.0 – –

Retail trade ................................................................ – 6.9 – 7.5 – – – – –

Information .................................................................... 9.2 – – – – 9.2 9.4 – –

Financial activities ......................................................... 4.5 4.0 2.7 – – 4.5 4.5 – –

Finance and insurance .............................................. 4.9 4.0 2.8 – – 4.9 4.9 – –

Credit intermediation and related activities ........... 5.6 3.3 4.1 – – 5.6 5.6 – –

Insurance carriers and related activities ............... 7.3 7.6 – – – 7.3 7.3 – –

Education and health services ...................................... 3.6 6.4 – – – 3.6 3.7 – –

Junior colleges, colleges, and universities ............ – 4.8 3.8 – – – – – –

Health care and social assistance ............................ 4.0 6.6 – – – 4.0 4.1 – –

1 to 99 workers ................................................................. 3.7 5.2 2.7 3.2 3.1 3.7 3.4 – –

1 to 49 workers ............................................................. 4.7 6.4 – 3.6 – 4.7 4.7 – –

50 to 99 workers ........................................................... – 8.4 – – – – – – –

100 workers or more ......................................................... 1.8 2.7 – 2.0 – 1.8 1.8 – –

100 to 499 workers ....................................................... 2.8 4.4 – 4.0 – 2.8 2.3 – –

500 workers or more ..................................................... 3.0 2.9 – 2.2 – 3.0 3.4 – –

See footnotes at end of table.
Table 19. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation Survey,

2009—Continued

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

amount

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Geographic area

Middle Atlantic ................................................................... 4.2 6.2 – 4.8 – 4.2 3.9 – –

East North Central ............................................................ 3.5 3.8 – 4.5 – 3.5 3.1 – –

West North Central ........................................................... 4.9 3.4 – 5.5 – 4.9 4.9 – –

South Atlantic .................................................................... 3.7 7.2 – 4.5 – 3.7 4.2 – –

West South Central ........................................................... 4.8 6.6 – – – 4.8 4.3 – –

Pacific ............................................................................... 3.0 7.9 – 3.0 – 3.0 2.7 – –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 20. Defined contribution plans: Type of plan and method of contribution, private industry workers, National Compensation

Survey, 2009

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Type of plan1 Method of contribution1

Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other Pre-tax

contribution

Roth 401(k)

contribution

(post-tax)2

Worker characteristic

All workers ........................................................................ 64 23 4 18 2 4 – 82 22

Management, professional, and related ............................ 70 19 – 21 – – – 87 24

Management, business, and financial ........................... 76 18 – 16 – – – 88 26

Professional and related ............................................... 66 20 – 24 – – – 86 23

Service .............................................................................. 58 16 – 20 – – – 77 24

Protective service .......................................................... 71 – – – – – – 82 –

Sales and office ................................................................ 60 28 4 14 – 5 – 81 22

Sales and related .......................................................... 55 39 – – – – – 82 19

Office and administrative support ................................. 63 22 3 16 – – – 80 24

Natural resources, construction, and maintenance ........... 55 19 – 25 – – – 73 15

Construction, extraction, farming, fishing, and forestry 44 – – 35 – – – 64 –

Installation, maintenance, and repair ............................ 67 19 – – – – – 82 22

Production, transportation, and material moving .............. 65 26 – 16 – – – 80 18

Production ..................................................................... 64 24 – 17 – – – 79 21

Transportation and material moving ............................. 67 28 – – – – – 82 13

Full time ............................................................................ 65 22 3 18 2 4 – 82 22

Part time ............................................................................ 50 27 – 19 – – – 76 16

Union ................................................................................. 57 16 – 37 – – – 77 24

Nonunion ........................................................................... 65 23 4 16 2 4 – 82 22

Average wage within the following categories:3

Lowest 25 percent ......................................................... 55 31 – 12 – – – 77 22

Lowest 10 percent ..................................................... 54 – – – – – – 70 –

Second 25 percent ........................................................ 59 24 6 16 – 6 – 79 15

Third 25 percent ............................................................ 63 24 2 19 – 5 – 81 20

Highest 25 percent ........................................................ 71 18 – 21 – – – 86 28

Highest 10 percent .................................................... 74 16 – 21 – – – 89 35

Establishment characteristic

Goods-producing industries .............................................. 63 24 – 21 – – – 76 16

Construction .................................................................. 47 – – – – – – 59 –

Manufacturing ............................................................... 66 23 – 22 – – – 80 20

Service-providing industries .............................................. 64 22 5 17 – 4 – 84 23

Trade, transportation, and utilities ................................. 62 33 7 – – – – 84 18

Wholesale trade ........................................................ 77 – – – – – – 89 23

Retail trade ................................................................ 52 45 – – – – – 80 12

Transportation and warehousing .............................. 67 – – – – – – 85 –

Utilities ...................................................................... – – – – – – – 99 69

Information .................................................................... 80 – – – – – – 86 35

Financial activities ......................................................... 82 19 – – – – – 92 31

Finance and insurance .............................................. 86 19 – – – – – 95 35

Credit intermediation and related activities ........... 86 – – – – – – 95 24

Insurance carriers and related activities ............... 86 – – – – – – 95 45

Real estate and rental and leasing ........................... – – – – – – – 73 –

Professional and business services .............................. 65 – – – – – – 82 32

Professional and technical services .......................... 66 – – – – – – 77 35

Administrative and waste services ............................ – – – – – – – 87 –

Education and health services ...................................... 55 – – 41 – – – 84 12

Educational services ................................................. 35 – – 65 – – – 82 12

Junior colleges, colleges, and universities ............ 33 – – 71 – – – 80 15

Health care and social assistance ............................ 60 – – 35 – – – 85 12

Leisure and hospitality .................................................. – – – – – – – 61 37

Accommodation and food services ........................... – – – – – – – 59 –

Other services ............................................................... – – – – – – – 86 21

See footnotes at end of table.
Table 20. Defined contribution plans: Type of plan and method of contribution, private industry workers, National Compensation

Survey, 2009—Continued

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Type of plan1 Method of contribution1

Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other Pre-tax

contribution

Roth 401(k)

contribution

(post-tax)2

1 to 99 workers ................................................................. 56 25 4 15 4 9 – 76 17

1 to 49 workers ............................................................. 52 22 – 17 – 11 – 73 18

50 to 99 workers ........................................................... 64 33 – – – – – 81 14

100 workers or more ......................................................... 70 21 – 20 – – – 86 26

100 to 499 workers ....................................................... 65 25 – 18 – – – 84 25

500 workers or more ..................................................... 77 15 – 23 – – – 89 27

Geographic area

New England ..................................................................... 71 – – – – – – 87 33

Middle Atlantic ................................................................... 62 13 – 24 – – – 77 25

East North Central ............................................................ 62 23 – 28 – – – 82 23

West North Central ........................................................... 57 25 – – – – – 79 18

South Atlantic .................................................................... 66 25 – 15 – – – 85 22

East South Central ............................................................ 58 24 – – – – – 71 14

West South Central ........................................................... 69 29 – 14 – – – 86 22

Mountain ........................................................................... 62 22 – – – – – 80 21

Pacific ............................................................................... 64 24 – 16 – – – 83 19

1 Sum of individual items may be greater than total because multiple plans or methods of

contribution are available to some employees. 2 Plans that combine features of traditional Roth IRA plans and 401(k) plans. Under these plans

employees are allowed to have part or all of their retirement plan contributions be subject to all the same

post-tax treatment as under a Roth IRA plan. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

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/glossary20092010.htm.
Table 20. Standard errors for defined contribution plans: Type of plan and method of contribution, private industry workers, National

Compensation Survey, 2009

Characteristics

Type of plan Method of contribution

Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other Pre-tax

contribution

Roth 401(k)

contribution

(post-tax)1

Worker characteristic

All workers ........................................................................ 1.5 1.6 1.1 1.5 0.6 0.8 – 1.4 1.3

Management, professional, and related ............................ 2.3 2.6 – 2.6 – – – 1.9 2.0

Management, business, and financial ........................... 2.6 2.5 – 2.5 – – – 2.4 2.3

Professional and related ............................................... 2.8 3.1 – 3.2 – – – 2.2 2.6

Service .............................................................................. 6.1 3.3 – 3.7 – – – 6.2 4.6

Protective service .......................................................... 8.7 – – – – – – 5.8 –

Sales and office ................................................................ 2.9 2.3 1.0 2.5 – 1.2 – 2.1 1.9

Sales and related .......................................................... 3.7 4.3 – – – – – 3.2 2.9

Office and administrative support ................................. 3.4 2.3 0.8 2.6 – – – 2.7 2.4

Natural resources, construction, and maintenance ........... 4.1 3.3 – 4.4 – – – 4.0 2.8

Construction, extraction, farming, fishing, and forestry 6.3 – – 7.4 – – – 6.6 –

Installation, maintenance, and repair ............................ 4.7 3.4 – – – – – 3.5 4.3

Production, transportation, and material moving .............. 2.8 3.0 – 2.2 – – – 2.7 2.8

Production ..................................................................... 3.9 3.6 – 3.1 – – – 3.8 3.8

Transportation and material moving ............................. 3.6 4.1 – – – – – 3.2 3.7

Full time ............................................................................ 1.6 1.6 0.9 1.5 0.6 0.9 – 1.4 1.4

Part time ............................................................................ 4.6 4.5 – 5.3 – – – 5.6 3.2

Union ................................................................................. 4.2 3.6 – 4.3 – – – 4.6 3.8

Nonunion ........................................................................... 1.5 1.7 1.1 1.6 0.6 0.9 – 1.4 1.4

Average wage within the following categories:2

Lowest 25 percent ......................................................... 4.7 4.3 – 3.5 – – – 4.4 4.0

Lowest 10 percent ..................................................... 11.2 – – – – – – 11.0 –

Second 25 percent ........................................................ 3.3 2.2 1.7 3.0 – 1.8 – 2.7 1.6

Third 25 percent ............................................................ 2.2 2.4 0.6 2.3 – 1.2 – 1.9 1.9

Highest 25 percent ........................................................ 1.8 2.1 – 2.5 – – – 1.7 2.1

Highest 10 percent .................................................... 2.0 2.1 – 2.9 – – – 2.0 3.3

Establishment characteristic

Goods-producing industries .............................................. 3.1 3.2 – 2.7 – – – 2.9 2.2

Construction .................................................................. 6.8 – – – – – – 7.9 –

Manufacturing ............................................................... 3.5 3.4 – 3.0 – – – 3.6 2.7

Service-providing industries .............................................. 1.9 1.7 1.3 1.8 – 1.0 – 1.5 1.6

Trade, transportation, and utilities ................................. 2.9 2.9 1.8 – – – – 1.8 2.5

Wholesale trade ........................................................ 4.7 – – – – – – 3.3 6.1

Retail trade ................................................................ 4.1 4.6 – – – – – 2.6 2.0

Transportation and warehousing .............................. 6.9 – – – – – – 4.9 –

Utilities ...................................................................... – – – – – – – 0.8 7.7

Information .................................................................... 7.0 – – – – – – 6.4 8.7

Financial activities ......................................................... 2.5 2.7 – – – – – 2.0 3.7

Finance and insurance .............................................. 2.1 2.6 – – – – – 1.1 3.9

Credit intermediation and related activities ........... 2.7 – – – – – – 1.6 3.7

Insurance carriers and related activities ............... 4.7 – – – – – – 1.8 6.5

Real estate and rental and leasing ........................... – – – – – – – 12.1 –

Professional and business services .............................. 5.0 – – – – – – 3.7 4.8

Professional and technical services .......................... 5.6 – – – – – – 5.4 6.7

Administrative and waste services ............................ – – – – – – – 6.7 –

Education and health services ...................................... 4.2 – – 4.3 – – – 3.2 2.3

Educational services ................................................. 4.4 – – 4.9 – – – 3.7 2.1

Junior colleges, colleges, and universities ............ 3.6 – – 4.3 – – – 2.6 1.7

Health care and social assistance ............................ 5.1 – – 5.3 – – – 3.8 2.8

Leisure and hospitality .................................................. – – – – – – – 13.4 10.2

Accommodation and food services ........................... – – – – – – – 15.8 –

Other services ............................................................... – – – – – – – 12.3 6.0

See footnotes at end of table.
Table 20. Standard errors for defined contribution plans: Type of plan and method of contribution, private industry workers, National

Compensation Survey, 2009—Continued

Characteristics

Type of plan Method of contribution

Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other Pre-tax

contribution

Roth 401(k)

contribution

(post-tax)1

1 to 99 workers ................................................................. 2.5 3.1 1.2 2.3 1.3 1.8 – 2.4 2.0

1 to 49 workers ............................................................. 2.9 2.8 – 3.0 – 2.4 – 2.9 2.2

50 to 99 workers ........................................................... 4.6 6.2 – – – – – 3.7 3.3

100 workers or more ......................................................... 1.9 1.7 – 2.0 – – – 2.0 2.0

100 to 499 workers ....................................................... 2.5 2.1 – 2.8 – – – 2.7 2.9

500 workers or more ..................................................... 2.4 2.8 – 2.6 – – – 2.1 2.5

Geographic area

New England ..................................................................... 7.8 – – – – – – 8.8 3.4

Middle Atlantic ................................................................... 5.4 3.1 – 3.6 – – – 4.9 4.8

East North Central ............................................................ 3.2 3.1 – 4.0 – – – 2.7 3.9

West North Central ........................................................... 6.2 5.2 – – – – – 6.5 3.7

South Atlantic .................................................................... 2.8 4.7 – 3.7 – – – 2.9 3.3

East South Central ............................................................ 8.4 5.5 – – – – – 8.9 3.8

West South Central ........................................................... 3.2 5.2 – 3.7 – – – 2.5 3.1

Mountain ........................................................................... 6.5 3.5 – – – – – 6.4 1.9

Pacific ............................................................................... 3.7 5.3 – 3.8 – – – 1.2 3.5

1 Plans that combine features of traditional Roth IRA plans and 401(k) plans. Under these plans

employees are allowed to have part or all of their retirement plan contributions be subject to all the same

post-tax treatment as under a Roth IRA plan. 2 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

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/glossary20092010.htm.
Table 21. Defined contribution plans: Plan sponsor, private industry workers,

National Compensation Survey, 2009

(All workers participating in defined contribution plans = 100 percent)

Characteristics Single

employer

Multiemployer1Employer

association Other

Worker characteristic

All workers ........................................................................ 97 3 – –

Management, professional, and related ............................ 98 – – –

Management, business, and financial ........................... 98 – – –

Professional and related ............................................... 99 – – –

Service .............................................................................. 98 – – –

Protective service .......................................................... 98 – – –

Sales and office ................................................................ 99 – – –

Sales and related .......................................................... 100 – – –

Office and administrative support ................................. 99 1 – –

Natural resources, construction, and maintenance ........... 81 17 – –

Construction, extraction, farming, fishing, and forestry 73 25 – –

Installation, maintenance, and repair ............................ 89 – – –

Production, transportation, and material moving .............. 97 – – –

Production ..................................................................... 96 – – –

Transportation and material moving ............................. 98 – – –

Full time ............................................................................ 97 3 – –

Part time ............................................................................ 99 – – –

Union ................................................................................. 74 23 – –

Nonunion ........................................................................... 99 – – –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 99 – – –

Lowest 10 percent ..................................................... 100 – – –

Second 25 percent ........................................................ 98 – – –

Third 25 percent ............................................................ 98 2 – –

Highest 25 percent ........................................................ 95 4 – –

Highest 10 percent .................................................... 96 – – –

Establishment characteristic

Goods-producing industries .............................................. 93 7 – –

Construction .................................................................. 83 – – –

Manufacturing ............................................................... 95 – – –

Service-providing industries .............................................. 98 1 – –

Trade, transportation, and utilities ................................. 99 – – –

Wholesale trade ........................................................ 100 – – –

Retail trade ................................................................ 100 – – –

Transportation and warehousing .............................. 100 – – –

Utilities ...................................................................... 76 – – –

Information .................................................................... 89 – – –

Financial activities ......................................................... 100 – – –

Finance and insurance .............................................. 100 – – –

Credit intermediation and related activities ........... 100 – – –

Insurance carriers and related activities ............... 100 – – –

Real estate and rental and leasing ........................... 100 – – –

Professional and business services .............................. 97 – – –

Professional and technical services .......................... 99 – – –

Administrative and waste services ............................ 92 – – –

Education and health services ...................................... 99 – – –

Educational services ................................................. 99 – – –

Junior colleges, colleges, and universities ............ 99 – – –

Health care and social assistance ............................ 99 – – –

Leisure and hospitality .................................................. 100 – – –

Accommodation and food services ........................... 100 – – –

Other services ............................................................... 93 – – –

See footnotes at end of table.
Table 21. Defined contribution plans: Plan sponsor, private industry workers,

National Compensation Survey, 2009—Continued

(All workers participating in defined contribution plans = 100 percent)

Characteristics Single

employer

Multiemployer1Employer

association Other

1 to 99 workers ................................................................. 98 2 – –

1 to 49 workers ............................................................. 97 3 – –

50 to 99 workers ........................................................... 98 – – –

100 workers or more ......................................................... 96 3 – –

100 to 499 workers ....................................................... 96 – – –

500 workers or more ..................................................... 96 – – –

Geographic area

New England ..................................................................... 98 – – –

Middle Atlantic ................................................................... 95 4 – –

East North Central ............................................................ 97 – – –

West North Central ........................................................... 97 – – –

South Atlantic .................................................................... 98 – – –

East South Central ............................................................ 98 – – –

West South Central ........................................................... 98 – – –

Mountain ........................................................................... 99 – – –

Pacific ............................................................................... 94 – – –

1 Defined contribution plans offered by multi-employers cover

employees of two or more unrelated employers and are governed

by a collective bargaining agreement. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers both above and

below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 21. Standard errors for defined contribution plans: Plan sponsor, private

industry workers, National Compensation Survey, 2009

Characteristics Single

employer

Multiemployer1Employer

association Other

Worker characteristic

All workers ........................................................................ 0.5 0.5 – –

Management, professional, and related ............................ 0.7 – – –

Management, business, and financial ........................... 0.9 – – –

Professional and related ............................................... 0.6 – – –

Service .............................................................................. 1.1 – – –

Protective service .......................................................... 1.8 – – –

Sales and office ................................................................ 0.3 – – –

Sales and related .......................................................... 0.1 – – –

Office and administrative support ................................. 0.4 0.4 – –

Natural resources, construction, and maintenance ........... 4.1 4.0 – –

Construction, extraction, farming, fishing, and forestry 6.5 6.5 – –

Installation, maintenance, and repair ............................ 3.9 – – –

Production, transportation, and material moving .............. 1.4 – – –

Production ..................................................................... 1.6 – – –

Transportation and material moving ............................. 1.3 – – –

Full time ............................................................................ 0.6 0.5 – –

Part time ............................................................................ 0.7 – – –

Union ................................................................................. 3.6 3.7 – –

Nonunion ........................................................................... 0.3 – – –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 0.4 – – –

Lowest 10 percent ..................................................... 0.0 – – –

Second 25 percent ........................................................ 0.6 – – –

Third 25 percent ............................................................ 0.6 0.5 – –

Highest 25 percent ........................................................ 1.2 1.0 – –

Highest 10 percent .................................................... 1.2 – – –

Establishment characteristic

Goods-producing industries .............................................. 1.9 1.8 – –

Construction .................................................................. 5.3 – – –

Manufacturing ............................................................... 2.2 – – –

Service-providing industries .............................................. 0.5 0.3 – –

Trade, transportation, and utilities ................................. 0.4 – – –

Wholesale trade ........................................................ 0.0 – – –

Retail trade ................................................................ 0.1 – – –

Transportation and warehousing .............................. 0.3 – – –

Utilities ...................................................................... 7.0 – – –

Information .................................................................... 5.1 – – –

Financial activities ......................................................... 3 ( ) – – –

Finance and insurance .............................................. 3 ( ) – – –

Credit intermediation and related activities ........... 3 ( ) – – –

Insurance carriers and related activities ............... 3 ( ) – – –

Real estate and rental and leasing ........................... 0.0 – – –

Professional and business services .............................. 1.7 – – –

Professional and technical services .......................... 1.0 – – –

Administrative and waste services ............................ 5.7 – – –

Education and health services ...................................... 0.5 – – –

Educational services ................................................. 0.6 – – –

Junior colleges, colleges, and universities ............ 1.0 – – –

Health care and social assistance ............................ 0.5 – – –

Leisure and hospitality .................................................. 0.0 – – –

Accommodation and food services ........................... 0.0 – – –

Other services ............................................................... 5.8 – – –

See footnotes at end of table.
Table 21. Standard errors for defined contribution plans: Plan sponsor, private

industry workers, National Compensation Survey, 2009—Continued

Characteristics Single

employer

Multiemployer1Employer

association Other

1 to 99 workers ................................................................. 0.7 0.6 – –

1 to 49 workers ............................................................. 0.8 0.8 – –

50 to 99 workers ........................................................... 0.9 – – –

100 workers or more ......................................................... 0.9 0.8 – –

100 to 499 workers ....................................................... 1.1 – – –

500 workers or more ..................................................... 1.2 – – –

Geographic area

New England ..................................................................... 2.1 – – –

Middle Atlantic ................................................................... 1.3 1.0 – –

East North Central ............................................................ 1.3 – – –

West North Central ........................................................... 1.9 – – –

South Atlantic .................................................................... 0.8 – – –

East South Central ............................................................ 1.6 – – –

West South Central ........................................................... 1.8 – – –

Mountain ........................................................................... 0.6 – – –

Pacific ............................................................................... 2.2 – – –

1 Defined contribution plans offered by multi-employers cover

employees of two or more unrelated employers and are governed

by a collective bargaining agreement. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers both above and

below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details. 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/glossary20092010.htm.
Table 22. Savings and thrift plans: Summary of provisions, private industry workers,

National Compensation Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pre-tax

contribution

Roth 401(k)

contribution

(post-tax)1

Automatic

enrollment

provision2

Automatic

escalation

feature

Worker characteristic

All workers ........................................................................ 100 30 19 8

Management, professional, and related ............................ 100 32 19 9

Management, business, and financial ........................... 100 33 18 8

Professional and related ............................................... 100 32 20 10

Service .............................................................................. 100 31 13 –

Protective service .......................................................... 100 – – –

Sales and office ................................................................ 100 32 20 7

Sales and related .......................................................... 100 29 26 –

Office and administrative support ................................. 100 33 18 7

Natural resources, construction, and maintenance ........... 100 23 10 –

Construction, extraction, farming, fishing, and forestry 100 – – –

Installation, maintenance, and repair ............................ 100 29 13 –

Production, transportation, and material moving .............. 100 22 24 10

Production ..................................................................... 100 27 24 15

Transportation and material moving ............................. 100 – 25 –

Full time ............................................................................ 100 30 19 8

Part time ............................................................................ 100 22 20 –

Union ................................................................................. 100 35 17 7

Nonunion ........................................................................... 100 29 19 8

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 30 11 –

Lowest 10 percent ..................................................... 100 – – –

Second 25 percent ........................................................ 100 20 21 7

Third 25 percent ............................................................ 100 27 18 8

Highest 25 percent ........................................................ 100 37 21 10

Highest 10 percent .................................................... 100 44 22 10

Establishment characteristic

Goods-producing industries .............................................. 100 21 20 14

Construction .................................................................. 100 – – –

Manufacturing ............................................................... 100 25 23 16

Service-providing industries .............................................. 100 32 19 6

Trade, transportation, and utilities ................................. 100 26 23 4

Wholesale trade ........................................................ 100 26 – –

Retail trade ................................................................ 100 22 23 –

Transportation and warehousing .............................. 100 – – –

Information .................................................................... 100 44 – –

Financial activities ......................................................... 100 36 26 12

Finance and insurance .............................................. 100 38 28 13

Credit intermediation and related activities ........... 100 25 13 –

Insurance carriers and related activities ............... 100 51 46 –

Professional and business services .............................. 100 46 – –

Professional and technical services .......................... 100 49 – –

Education and health services ...................................... 100 14 15 9

Educational services ................................................. 100 19 – –

Junior colleges, colleges, and universities ............ 100 20 – –

Health care and social assistance ............................ 100 13 17 11

See footnotes at end of table.
Table 22. Savings and thrift plans: Summary of provisions, private industry workers,

National Compensation Survey, 2009—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pre-tax

contribution

Roth 401(k)

contribution

(post-tax)1

Automatic

enrollment

provision2

Automatic

escalation

feature

1 to 99 workers ................................................................. 100 22 9 –

1 to 49 workers ............................................................. 100 24 10 –

50 to 99 workers ........................................................... 100 17 8 –

100 workers or more ......................................................... 100 34 25 10

100 to 499 workers ....................................................... 100 36 22 6

500 workers or more ..................................................... 100 32 28 15

Geographic area

New England ..................................................................... 100 42 – –

Middle Atlantic ................................................................... 100 – 17 –

East North Central ............................................................ 100 33 18 –

West North Central ........................................................... 100 22 23 –

South Atlantic .................................................................... 100 29 16 –

East South Central ............................................................ 100 19 30 –

West South Central ........................................................... 100 28 18 8

Mountain ........................................................................... 100 30 22 11

Pacific ............................................................................... 100 25 19 –

1 Plans that combine features of traditional Roth IRA plans

and 401(k) plans. Under these plans employees are allowed to

have part or all of their retirement plan contributions be subject to

all the same post-tax treatment as under a Roth IRA plan. 2 The employer that sponsors the plan 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. 3 The categories are based on the average wage for each

occupation surveyed, which may include workers both above and

below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 22. Standard errors for savings and thrift plans: Summary of provisions, private

industry workers, National Compensation Survey, 2009

Characteristics Pre-tax

contribution

Roth 401(k)

contribution

(post-tax)1

Automatic

enrollment

provision2

Automatic

escalation

feature

Worker characteristic

All workers ........................................................................ 0.0 2.2 1.5 1.0

Management, professional, and related ............................ 3 ( ) 2.7 2.5 1.5

Management, business, and financial ........................... 0.0 3.1 2.4 1.7

Professional and related ............................................... 0.0 3.6 3.3 1.9

Service .............................................................................. 0.0 6.4 2.7 –

Protective service .......................................................... 3 ( ) – – –

Sales and office ................................................................ 3 ( ) 3.2 2.0 1.5

Sales and related .......................................................... 0.0 4.6 4.4 –

Office and administrative support ................................. 3 ( ) 3.8 2.1 1.6

Natural resources, construction, and maintenance ........... 0.0 4.3 2.5 –

Construction, extraction, farming, fishing, and forestry 0.0 – – –

Installation, maintenance, and repair ............................ 0.0 6.2 3.8 –

Production, transportation, and material moving .............. 0.0 3.7 3.9 2.7

Production ..................................................................... 3 ( ) 4.8 4.7 4.4

Transportation and material moving ............................. 0.0 – 5.6 –

Full time ............................................................................ 0.0 2.2 1.6 1.0

Part time ............................................................................ 0.0 4.3 3.6 –

Union ................................................................................. 0.0 5.0 3.7 1.7

Nonunion ........................................................................... 0.0 2.3 1.6 1.1

Average wage within the following categories:4

Lowest 25 percent ......................................................... 0.0 5.9 2.4 –

Lowest 10 percent ..................................................... 0.0 – – –

Second 25 percent ........................................................ 0.0 2.5 2.1 1.5

Third 25 percent ............................................................ 3 ( ) 2.7 1.9 1.3

Highest 25 percent ........................................................ 0.0 2.8 2.5 1.5

Highest 10 percent .................................................... 0.0 4.2 4.2 2.0

Establishment characteristic

Goods-producing industries .............................................. 0.0 2.9 3.5 3.4

Construction .................................................................. 0.0 – – –

Manufacturing ............................................................... 3 ( ) 3.3 4.6 4.4

Service-providing industries .............................................. 0.0 2.7 1.7 1.0

Trade, transportation, and utilities ................................. 0.0 3.6 3.0 0.8

Wholesale trade ........................................................ 0.0 7.1 – –

Retail trade ................................................................ 0.0 3.7 4.5 –

Transportation and warehousing .............................. 0.0 – – –

Information .................................................................... 0.0 8.9 – –

Financial activities ......................................................... 0.0 4.3 3.3 3.1

Finance and insurance .............................................. 0.0 4.4 3.5 3.2

Credit intermediation and related activities ........... 0.0 4.1 2.7 –

Insurance carriers and related activities ............... 3 ( ) 6.8 6.7 –

Professional and business services .............................. 0.0 6.8 – –

Professional and technical services .......................... 0.0 9.1 – –

Education and health services ...................................... 0.0 3.1 3.0 2.7

Educational services ................................................. 0.0 5.0 – –

Junior colleges, colleges, and universities ............ 0.0 2.9 – –

Health care and social assistance ............................ 0.0 3.4 3.4 3.1

See footnotes at end of table.
Table 22. Standard errors for savings and thrift plans: Summary of provisions, private

industry workers, National Compensation Survey, 2009—Continued

Characteristics Pre-tax

contribution

Roth 401(k)

contribution

(post-tax)1

Automatic

enrollment

provision2

Automatic

escalation

feature

1 to 99 workers ................................................................. 0.0 3.1 1.7 –

1 to 49 workers ............................................................. 0.0 3.4 2.5 –

50 to 99 workers ........................................................... 0.0 4.6 1.9 –

100 workers or more ......................................................... 0.0 2.9 2.1 1.3

100 to 499 workers ....................................................... 0.0 4.3 3.0 1.4

500 workers or more ..................................................... 3 ( ) 3.1 2.9 2.6

Geographic area

New England ..................................................................... 0.0 7.0 – –

Middle Atlantic ................................................................... 0.0 – 1.5 –

East North Central ............................................................ 0.0 6.0 4.1 –

West North Central ........................................................... 3 ( ) 6.1 4.6 –

South Atlantic .................................................................... 0.0 4.6 3.2 –

East South Central ............................................................ 0.0 4.9 7.0 –

West South Central ........................................................... 0.0 4.3 1.6 1.6

Mountain ........................................................................... 3 ( ) 4.6 4.6 2.7

Pacific ............................................................................... 0.0 4.0 5.0 –

1 Plans that combine features of traditional Roth IRA plans

and 401(k) plans. Under these plans employees are allowed to

have part or all of their retirement plan contributions be subject to

all the same post-tax treatment as under a Roth IRA plan. 2 The employer that sponsors the plan 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. 3 Less than 0.05. 4 The categories are based on the average wage for each

occupation surveyed, which may include workers both above and

below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 23. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

With automatic enrollment

No

automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 19 18 2 3 3 3 4 1 74 7

Management, professional, and related ............................ 100 19 18 2 2 3 3 4 1 74 7

Management, business, and financial ........................... 100 18 18 22345 2 ( ) 75 7

Professional and related ............................................... 100 20 18 2 2 3 3 4 1 73 8

Service .............................................................................. 100 13 13 ––––– 2 ( ) 83 4

Sales and office ................................................................ 100 20 19 – – – – – 2 73 6

Sales and related .......................................................... 100 26 24 – – – – – 2 65 9

Office and administrative support ................................. 100 18 16 2 3 3 3 5 2 77 5

Natural resources, construction, and maintenance ........... 100 10 9––––– 2 ( ) 79 11

Construction, extraction, farming, fishing, and forestry 100 – – – – – – – – 84 –

Installation, maintenance, and repair ............................ 100 13 – – – – – – 1 76 11

Production, transportation, and material moving .............. 100 24 24 ––––– 2 ( ) 68 7

Production ..................................................................... 100 24 24 ––––– 2 ( ) 71 4

Transportation and material moving ............................. 100 25 25 – – – – – – 64 11

Full time ............................................................................ 100 19 18 2 3 3 3 4 1 74 7

Part time ............................................................................ 100 20 19 – – – – – 1 77 3

Union ................................................................................. 100 17 17 – – – – – – 73 11

Nonunion ........................................................................... 100 19 18 – – – – – 1 74 7

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 11 10 ––––– 2 ( ) 86 3

Lowest 10 percent ..................................................... 100 – – – – – – – 1 95 –

Second 25 percent ........................................................ 100 21 19 1 3 3 3 3 2 73 6

Third 25 percent ............................................................ 100 18 17 2 3 3 3 5 1 77 5

Highest 25 percent ........................................................ 100 21 21 – – – – – 1 69 10

Highest 10 percent .................................................... 100 22 21 – – – – – 1 67 11

Establishment characteristic

Goods-producing industries .............................................. 100 20 20 22334 2 ( ) 73 7

Construction .................................................................. 100 – – – – – – – – 83 –

Manufacturing ............................................................... 100 23 23 ––––– 2 ( ) 71 6

Service-providing industries .............................................. 100 19 18 – – – – – 1 74 7

Trade, transportation, and utilities ................................. 100 23 23 – – – – – 1 65 11

Wholesale trade ........................................................ 100 – – – – – – – – 64 –

Retail trade ................................................................ 100 23 22 – – – – – 1 71 6

Transportation and warehousing .............................. 100 – – – – – – – – 59 –

Information .................................................................... 100 – – – – – – – 2 78 –

Financial activities ......................................................... 100 26 25 2 3 3 4 5 1 68 6

Finance and insurance .............................................. 100 28 27 2 3 3 4 5 1 66 6

Credit intermediation and related activities ........... 100 13 11 2 2 3 4 5 2 82 5

Insurance carriers and related activities ............... 100 46 46 2 3 3 5 5 1 45 8

Professional and business services .............................. 100 – – – – – – – 2 78 –

Professional and technical services .......................... 100 – – – – – – – – 76 –

Education and health services ...................................... 100 15 15 22334 2 ( ) 80 4

Educational services ................................................. 100 – – – – – – – – 89 –

Junior colleges, colleges, and universities ............ 100 – – – – – – – – 82 –

Health care and social assistance ............................ 100 17 16 2 2 3 3 4 1 79 4

See footnotes at end of table.
Table 23. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2009—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

With automatic enrollment

No

automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 9 8 – – – – – 1 84 7

1 to 49 workers ............................................................. 100 10 8 – – – – – 1 84 6

50 to 99 workers ........................................................... 100 8 7 – – – – – 1 83 8

100 workers or more ......................................................... 100 25 24 – – – – – 1 68 7

100 to 499 workers ....................................................... 100 22 22 13334 2 ( ) 70 8

500 workers or more ..................................................... 100 28 27 – – – – – 1 66 7

Geographic area

New England ..................................................................... 100 – – – – – – – 2 67 –

Middle Atlantic ................................................................... 100 17 16 1 3 3 4 5 1 75 7

East North Central ............................................................ 100 18 17 – – – – – 1 75 7

West North Central ........................................................... 100 23 22 2 3 3 3 3 1 69 8

South Atlantic .................................................................... 100 16 15 – – – – – 1 76 8

East South Central ............................................................ 100 30 27 3 3 3 3 4 3 65 5

West South Central ........................................................... 100 18 16 – – – – – 2 79 4

Mountain ........................................................................... 100 22 22 22334 2 ( ) 74 3

Pacific ............................................................................... 100 19 19 ––––– 2 ( ) 70 10

1 The employer that sponsors the plan 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 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for

more details.

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/glossary20092010.htm.
Table 23. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation

Survey, 2009

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 Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 1.5 1.5 0.9 1.4 0.0 0.2 0.9 0.3 1.6 0.9

Management, professional, and related ............................ 2.5 2.5 0.0 0.8 0.0 1.3 1.1 0.3 2.7 1.5

Management, business, and financial ........................... 2.4 2.4 0.0 0.7 0.0 1.1 0.0 0.2 2.7 1.4

Professional and related ............................................... 3.3 3.1 0.0 1.0 0.0 1.1 0.2 0.6 3.4 2.0

Service .............................................................................. 2.7 2.6 – – – – – 0.4 3.4 2.1

Sales and office ................................................................ 2.0 2.0 – – – – – 0.8 2.3 1.5

Sales and related .......................................................... 4.4 4.3 – – – – – 1.1 5.0 4.1

Office and administrative support ................................. 2.1 2.0 0.0 0.2 0.0 1.5 0.0 0.9 2.3 1.0

Natural resources, construction, and maintenance ........... 2.5 2.5 – – – – – 0.3 5.2 4.9

Construction, extraction, farming, fishing, and forestry – – – – – – – – 9.0 –

Installation, maintenance, and repair ............................ 3.8 – – – – – – 0.6 5.9 5.5

Production, transportation, and material moving .............. 3.9 3.9 – – – – – 0.1 4.1 2.0

Production ..................................................................... 4.7 4.7 – – – – – 0.2 4.9 1.9

Transportation and material moving ............................. 5.6 5.6 – – – – – – 5.9 4.0

Full time ............................................................................ 1.6 1.6 0.0 0.9 0.0 0.3 1.3 0.3 1.7 0.9

Part time ............................................................................ 3.6 3.5 – – – – – 0.4 3.7 1.1

Union ................................................................................. 3.7 3.7 – – – – – – 4.0 2.2

Nonunion ........................................................................... 1.6 1.7 – – – – – 0.3 1.7 0.9

Average wage within the following categories:2

Lowest 25 percent ......................................................... 2.4 2.4 – – – – – 0.2 2.9 1.1

Lowest 10 percent ..................................................... – – – – – – – 0.9 2.6 –

Second 25 percent ........................................................ 2.1 2.2 0.3 1.4 0.0 0.0 1.4 0.9 2.4 1.2

Third 25 percent ............................................................ 1.9 1.9 0.3 0.3 0.0 0.2 0.3 0.3 2.1 1.0

Highest 25 percent ........................................................ 2.5 2.5 – – – – – 0.3 2.8 1.8

Highest 10 percent .................................................... 4.2 4.2 – – – – – 0.4 4.6 2.8

Establishment characteristic

Goods-producing industries .............................................. 3.5 3.5 0.8 0.0 0.2 0.0 0.0 3 ( ) 3.1 2.3

Construction .................................................................. – – – – – – – – 8.8 –

Manufacturing ............................................................... 4.6 4.6 – – – – – 0.1 3.6 2.2

Service-providing industries .............................................. 1.7 1.7 – – – – – 0.4 1.9 1.0

Trade, transportation, and utilities ................................. 3.0 3.0 – – – – – 0.5 3.4 2.6

Wholesale trade ........................................................ – – – – – – – – 7.2 –

Retail trade ................................................................ 4.5 4.5 – – – – – 1.2 4.2 2.8

Transportation and warehousing .............................. – – – – – – – – 9.2 –

Information .................................................................... – – – – – – – 1.4 6.8 –

Financial activities ......................................................... 3.3 3.3 0.0 0.5 0.0 1.1 0.0 0.6 3.6 1.6

Finance and insurance .............................................. 3.5 3.5 0.0 0.7 0.0 1.3 0.0 0.6 3.7 1.7

Credit intermediation and related activities ........... 2.7 2.6 0.0 0.0 0.9 1.3 0.7 1.0 3.5 2.1

Insurance carriers and related activities ............... 6.7 6.8 0.3 0.0 0.0 2.0 0.0 0.6 6.6 3.2

Professional and business services .............................. – – – – – – – 1.0 5.5 –

Professional and technical services .......................... – – – – – – – – 8.6 –

Education and health services ...................................... 3.0 3.0 1.0 0.0 0.7 0.8 0.0 0.4 3.3 1.1

Educational services ................................................. – – – – – – – – 4.2 –

Junior colleges, colleges, and universities ............ – – – – – – – – 6.3 –

Health care and social assistance ............................ 3.4 3.4 1.0 0.0 0.5 0.8 0.0 0.4 3.8 1.2

See footnotes at end of table.
Table 23. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation

Survey, 2009—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 Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 1.7 1.7 – – – – – 0.5 2.0 1.6

1 to 49 workers ............................................................. 2.5 2.4 – – – – – 0.6 2.5 2.0

50 to 99 workers ........................................................... 1.9 1.5 – – – – – 1.0 3.2 2.8

100 workers or more ......................................................... 2.1 2.2 – – – – – 0.3 2.2 1.3

100 to 499 workers ....................................................... 3.0 3.0 0.0 0.8 0.0 0.7 0.0 0.2 3.6 2.1

500 workers or more ..................................................... 2.9 3.0 – – – – – 0.6 3.0 1.2

Geographic area

New England ..................................................................... – – – – – – – 1.1 13.2 –

Middle Atlantic ................................................................... 1.5 1.5 0.0 0.0 0.0 0.7 0.0 0.7 2.8 2.1

East North Central ............................................................ 4.1 4.1 – – – – – 0.4 5.1 2.9

West North Central ........................................................... 4.6 4.5 0.3 0.7 0.0 0.0 0.9 0.8 4.8 3.4

South Atlantic .................................................................... 3.2 3.2 – – – – – 0.5 3.2 2.2

East South Central ............................................................ 7.0 7.6 0.6 0.0 0.0 0.2 1.2 2.7 6.9 3.3

West South Central ........................................................... 1.6 2.4 – – – – – 1.3 1.8 0.7

Mountain ........................................................................... 4.6 4.7 1.0 0.0 0.0 0.0 1.4 0.2 5.1 1.5

Pacific ............................................................................... 5.0 4.8 – – – – – 0.4 5.3 2.0

1 The employer that sponsors the plan 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 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

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/glossary20092010.htm.
Table 24. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by

employer, private industry workers, National Compensation Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

No automatic

enrollment

available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 19 33 50 50 71 100 74 7

Management, professional, and related ............................ 100 19 33 50 67 71 100 74 7

Management, business, and financial ........................... 100 18 38 50 67 71 100 75 7

Professional and related ............................................... 100 20 – – – – – 73 8

Service .............................................................................. 100 13 33 33 50 67 100 83 4

Sales and office ................................................................ 100 20 33 50 50 71 100 73 6

Sales and related .......................................................... 100 26 30 38 50 67 100 65 9

Office and administrative support ................................. 100 18 33 50 50 71 100 77 5

Natural resources, construction, and maintenance ........... 100 10 – – – – – 79 11

Construction, extraction, farming, fishing, and forestry 100 – – – – – – 84 –

Installation, maintenance, and repair ............................ 100 13 – – – – – 76 11

Production, transportation, and material moving .............. 100 24 – – – – – 68 7

Production ..................................................................... 100 24 – – – – – 71 4

Transportation and material moving ............................. 100 25 – – – – – 64 11

Full time ............................................................................ 100 19 33 50 50 71 100 74 7

Part time ............................................................................ 100 20 – – – – – 77 3

Union ................................................................................. 100 17 30 33 50 100 100 73 11

Nonunion ........................................................................... 100 19 33 50 50 71 100 74 7

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 11 – – – – – 86 3

Lowest 10 percent ..................................................... 100 – – – – – – 95 –

Second 25 percent ........................................................ 100 21 33 43 50 50 100 73 6

Third 25 percent ............................................................ 100 18 33 43 50 100 100 77 5

Highest 25 percent ........................................................ 100 21 33 50 67 100 100 69 10

Highest 10 percent .................................................... 100 22 33 50 67 71 100 67 11

Establishment characteristic

Goods-producing industries .............................................. 100 20 17 38 50 100 100 73 7

Construction .................................................................. 100 – – – – – – 83 –

Manufacturing ............................................................... 100 23 – – – – – 71 6

Service-providing industries .............................................. 100 19 33 50 50 71 100 74 7

Trade, transportation, and utilities ................................. 100 23 30 50 50 100 100 65 11

Wholesale trade ........................................................ 100 – – – – – – 64 –

Retail trade ................................................................ 100 23 – – – – – 71 6

Transportation and warehousing .............................. 100 – – – – – – 59 –

Information .................................................................... 100 – – – – – – 78 –

Financial activities ......................................................... 100 26 33 50 50 71 100 68 6

Finance and insurance .............................................. 100 28 33 50 50 71 100 66 6

Credit intermediation and related activities ........... 100 13 50 50 50 67 71 82 5

Insurance carriers and related activities ............... 100 46 – – – – – 45 8

Professional and business services .............................. 100 – – – – – – 78 –

Professional and technical services .......................... 100 – – – – – – 76 –

Education and health services ...................................... 100 15 – – – – – 80 4

Educational services ................................................. 100 – – – – – – 89 –

Junior colleges, colleges, and universities ............ 100 – – – – – – 82 –

Health care and social assistance ............................ 100 17 – – – – – 79 4

See footnotes at end of table.
Table 24. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by

employer, private industry workers, National Compensation Survey, 2009—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

No automatic

enrollment

available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 9 33 33 50 50 71 84 7

1 to 49 workers ............................................................. 100 10 33 33 50 50 71 84 6

50 to 99 workers ........................................................... 100 8 50 50 50 100 100 83 8

100 workers or more ......................................................... 100 25 33 50 50 100 100 68 7

100 to 499 workers ....................................................... 100 22 – – – – – 70 8

500 workers or more ..................................................... 100 28 33 50 75 100 100 66 7

Geographic area

New England ..................................................................... 100 – – – – – – 67 –

Middle Atlantic ................................................................... 100 17 33 50 50 71 100 75 7

East North Central ............................................................ 100 18 33 38 38 50 100 75 7

West North Central ........................................................... 100 23 33 50 50 50 75 69 8

South Atlantic .................................................................... 100 16 – – – – – 76 8

East South Central ............................................................ 100 30 – – – – – 65 5

West South Central ........................................................... 100 18 – – – – – 79 4

Mountain ........................................................................... 100 22 – – – – – 74 3

Pacific ............................................................................... 100 19 – – – – – 70 10

1 The percentage is determined by the ratio of the default enrollment amount and the maximum

employee contribution matched by the employer, for those plans that specify both values. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.
Table 24. 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, 2009

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

No automatic

enrollment

available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 1.5 0.0 14.2 0.0 20.4 0.0 1.6 0.9

Management, professional, and related ............................ 2.5 0.0 15.4 20.9 8.2 0.0 2.7 1.5

Management, business, and financial ........................... 2.4 15.7 0.0 22.4 35.5 0.0 2.7 1.4

Professional and related ............................................... 3.3 – – – – – 3.4 2.0

Service .............................................................................. 2.7 0.0 3.1 14.9 13.5 0.0 3.4 2.1

Sales and office ................................................................ 2.0 2.0 0.0 0.0 2.1 0.0 2.3 1.5

Sales and related .......................................................... 4.4 1.8 12.9 3.3 20.7 14.6 5.0 4.1

Office and administrative support ................................. 2.1 9.9 0.0 0.0 0.0 0.0 2.3 1.0

Natural resources, construction, and maintenance ........... 2.5 – – – – – 5.2 4.9

Construction, extraction, farming, fishing, and forestry – – – – – – 9.0 –

Installation, maintenance, and repair ............................ 3.8 – – – – – 5.9 5.5

Production, transportation, and material moving .............. 3.9 – – – – – 4.1 2.0

Production ..................................................................... 4.7 – – – – – 4.9 1.9

Transportation and material moving ............................. 5.6 – – – – – 5.9 4.0

Full time ............................................................................ 1.6 0.0 12.0 0.0 23.3 0.0 1.7 0.9

Part time ............................................................................ 3.6 – – – – – 3.7 1.1

Union ................................................................................. 3.7 1.1 3.0 13.9 33.3 0.0 4.0 2.2

Nonunion ........................................................................... 1.6 0.8 5.8 4.6 11.4 0.0 1.7 0.9

Average wage within the following categories:2

Lowest 25 percent ......................................................... 2.4 – – – – – 2.9 1.1

Lowest 10 percent ..................................................... – – – – – – 2.6 –

Second 25 percent ........................................................ 2.1 2.8 12.7 0.0 12.7 22.0 2.4 1.2

Third 25 percent ............................................................ 1.9 4.8 12.1 4.2 32.8 0.0 2.1 1.0

Highest 25 percent ........................................................ 2.5 0.0 16.7 19.9 36.5 0.0 2.8 1.8

Highest 10 percent .................................................... 4.2 10.0 12.3 0.0 13.5 0.0 4.6 2.8

Establishment characteristic

Goods-producing industries .............................................. 3.5 5.8 14.7 4.2 17.0 0.0 3.1 2.3

Construction .................................................................. – – – – – – 8.8 –

Manufacturing ............................................................... 4.6 – – – – – 3.6 2.2

Service-providing industries .............................................. 1.7 0.0 2.5 8.0 6.1 0.0 1.9 1.0

Trade, transportation, and utilities ................................. 3.0 4.8 5.7 0.0 0.0 0.0 3.4 2.6

Wholesale trade ........................................................ – – – – – – 7.2 –

Retail trade ................................................................ 4.5 – – – – – 4.2 2.8

Transportation and warehousing .............................. – – – – – – 9.2 –

Information .................................................................... – – – – – – 6.8 –

Financial activities ......................................................... 3.3 5.0 1.4 8.0 0.0 12.5 3.6 1.6

Finance and insurance .............................................. 3.5 5.0 1.4 8.0 0.0 12.5 3.7 1.7

Credit intermediation and related activities ........... 2.7 0.0 0.0 8.7 9.6 0.0 3.5 2.1

Insurance carriers and related activities ............... 6.7 – – – – – 6.6 3.2

Professional and business services .............................. – – – – – – 5.5 –

Professional and technical services .......................... – – – – – – 8.6 –

Education and health services ...................................... 3.0 – – – – – 3.3 1.1

Educational services ................................................. – – – – – – 4.2 –

Junior colleges, colleges, and universities ............ – – – – – – 6.3 –

Health care and social assistance ............................ 3.4 – – – – – 3.8 1.2

See footnotes at end of table.
Table 24. 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, 2009—Continued

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

No automatic

enrollment

available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 1.7 0.0 14.0 0.0 0.0 19.4 2.0 1.6

1 to 49 workers ............................................................. 2.5 0.0 7.8 9.2 0.0 22.6 2.5 2.0

50 to 99 workers ........................................................... 1.9 11.3 0.0 3.3 44.6 0.0 3.2 2.8

100 workers or more ......................................................... 2.1 3.0 7.7 23.1 26.3 0.0 2.2 1.3

100 to 499 workers ....................................................... 3.0 – – – – – 3.6 2.1

500 workers or more ..................................................... 2.9 6.2 0.0 33.9 0.0 0.0 3.0 1.2

Geographic area

New England ..................................................................... – – – – – – 13.2 –

Middle Atlantic ................................................................... 1.5 3.1 8.1 15.3 0.0 0.0 2.8 2.1

East North Central ............................................................ 4.1 3.2 1.4 14.5 24.9 32.7 5.1 2.9

West North Central ........................................................... 4.6 5.4 9.8 0.0 0.0 10.4 4.8 3.4

South Atlantic .................................................................... 3.2 – – – – – 3.2 2.2

East South Central ............................................................ 7.0 – – – – – 6.9 3.3

West South Central ........................................................... 1.6 – – – – – 1.8 0.7

Mountain ........................................................................... 4.6 – – – – – 5.1 1.5

Pacific ............................................................................... 5.0 – – – – – 5.3 2.0

1 The percentage is determined by the ratio of the default enrollment amount and the

maximum employee contribution matched by the employer, for those plans that specify both

values. 2 The categories are based on the average wage for each occupation surveyed, which

may include workers both above and below the threshold. The average wages are based on

the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more details.
Table 25. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit1

Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 44 15 25 40 50 75 55 – –

Management, professional, and related ............................ 100 45 15 25 40 50 75 54 – –

Management, business, and financial ........................... 100 46 15 20 30 50 75 54 – –

Professional and related ............................................... 100 45 18 25 50 50 75 54 – –

Service .............................................................................. 100 31 20 25 35 50 75 69 – –

Protective service .......................................................... 100 – – – – – – 69 – –

Sales and office ................................................................ 100 46 15 20 30 50 75 54 – –

Sales and related .......................................................... 100 45 15 20 50 50 75 54 – –

Office and administrative support ................................. 100 46 15 25 30 50 75 53 – –

Natural resources, construction, and maintenance ........... 100 40 15 20 40 50 85 60 – –

Construction, extraction, farming, fishing, and forestry 100 – – – – – – 78 – 2 ( )

Installation, maintenance, and repair ............................ 100 51 – – – – – 49 – –

Production, transportation, and material moving .............. 100 46 15 20 50 50 75 52 – –

Production ..................................................................... 100 40 15 30 50 60 75 56 – –

Transportation and material moving ............................. 100 54 15 20 50 50 75 46 – –

Full time ............................................................................ 100 43 15 25 40 50 75 56 – –

Part time ............................................................................ 100 53 – – – – – 47 – –

Union ................................................................................. 100 47 15 18 35 50 50 53 – –

Nonunion ........................................................................... 100 44 15 25 45 50 75 55 – –

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 38 15 20 50 60 80 61 – –

Lowest 10 percent ..................................................... 100 35 – – – – – 65 – –

Second 25 percent ........................................................ 100 43 15 25 45 50 75 56 – –

Third 25 percent ............................................................ 100 45 15 20 30 50 75 54 – –

Highest 25 percent ........................................................ 100 45 16 25 45 50 75 54 – –

Highest 10 percent .................................................... 100 46 18 25 50 50 75 54 – –

Establishment characteristic

Goods-producing industries .............................................. 100 42 15 30 50 60 75 54 – –

Construction .................................................................. 100 – – – – – – 79 – –

Manufacturing ............................................................... 100 47 15 30 50 60 75 49 – –

Service-providing industries .............................................. 100 44 15 20 40 50 75 55 – –

Trade, transportation, and utilities ................................. 100 44 15 20 50 50 80 56 – –

Wholesale trade ........................................................ 100 47 – – – – – 53 – –

Retail trade ................................................................ 100 44 – – – – – 56 – –

Transportation and warehousing .............................. 100 42 – – – – – 58 – –

Information .................................................................... 100 66 25 25 30 50 50 34 – –

Financial activities ......................................................... 100 61 15 20 25 50 60 39 – –

Finance and insurance .............................................. 100 65 15 20 25 50 60 35 – –

Credit intermediation and related activities ........... 100 71 15 15 25 40 60 29 – –

Insurance carriers and related activities ............... 100 59 15 25 25 50 60 41 – –

Professional and business services .............................. 100 34 25 25 40 50 60 66 – –

Professional and technical services .......................... 100 – – – – – – 76 – –

Education and health services ...................................... 100 40 – – – – – 59 – –

Educational services ................................................. 100 – – – – – – 74 – 2 ( )

Junior colleges, colleges, and universities ............ 100 8 – – – – – 87 – –

Health care and social assistance ............................ 100 42 – – – – – 57 – –

See footnotes at end of table.
Table 25. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,

2009—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit1

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 ................................................................. 100 37 15 20 30 50 75 62 – –

1 to 49 workers ............................................................. 100 40 15 20 30 50 75 60 – –

50 to 99 workers ........................................................... 100 32 15 15 30 50 60 66 – –

100 workers or more ......................................................... 100 48 15 25 50 50 75 51 – –

100 to 499 workers ....................................................... 100 43 15 25 50 50 75 57 – –

500 workers or more ..................................................... 100 54 16 25 50 50 75 45 – –

Geographic area

New England ..................................................................... 100 29 15 18 25 50 75 69 – –

Middle Atlantic ................................................................... 100 46 15 25 50 50 75 53 – –

East North Central ............................................................ 100 40 – – – – – 60 – –

West North Central ........................................................... 100 41 – – – – – 59 – –

South Atlantic .................................................................... 100 45 15 25 50 50 75 55 – –

East South Central ............................................................ 100 33 – – – – – 67 – –

West South Central ........................................................... 100 51 – – – – – 49 – –

Mountain ........................................................................... 100 52 25 30 50 50 75 47 – –

Pacific ............................................................................... 100 46 15 20 30 50 75 50 – –

1 The distribution of maximum employee contributions expressed as a percent of earnings should not

be compared with data published by BLS on this topic in previous years due to changes in coding

procedures. 2 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers both above and below the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 25. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National

Compensation Survey, 2009

Characteristics

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit1

Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 1.8 0.0 3.1 10.7 0.0 0.0 1.7 – –

Management, professional, and related ............................ 2.6 3.2 0.0 11.4 0.0 0.0 2.6 – –

Management, business, and financial ........................... 2.9 0.8 2.6 12.3 0.0 6.8 2.9 – –

Professional and related ............................................... 4.0 4.6 0.0 10.5 3.4 1.4 4.0 – –

Service .............................................................................. 6.1 6.1 8.2 10.2 0.0 14.2 6.1 – –

Protective service .......................................................... – – – – – – 11.7 – –

Sales and office ................................................................ 2.6 0.0 7.5 6.3 0.0 4.8 2.6 – –

Sales and related .......................................................... 4.9 0.0 6.7 6.3 0.0 9.7 5.0 – –

Office and administrative support ................................. 2.8 0.0 6.1 6.9 5.5 3.3 2.8 – –

Natural resources, construction, and maintenance ........... 5.0 0.7 6.1 17.5 7.3 16.4 5.0 – –

Construction, extraction, farming, fishing, and forestry – – – – – – 6.8 – 2 ( )

Installation, maintenance, and repair ............................ 6.5 – – – – – 6.5 – –

Production, transportation, and material moving .............. 3.8 0.0 5.5 0.0 8.1 0.0 3.7 – –

Production ..................................................................... 5.3 0.7 7.2 0.0 9.6 0.0 4.6 – –

Transportation and material moving ............................. 6.3 0.0 1.4 5.5 0.0 15.0 6.4 – –

Full time ............................................................................ 1.8 0.4 0.0 8.1 0.0 1.0 1.7 – –

Part time ............................................................................ 5.4 – – – – – 5.4 – –

Union ................................................................................. 4.6 0.9 7.6 7.3 0.0 13.3 4.6 – –

Nonunion ........................................................................... 1.9 0.0 2.6 9.2 0.0 0.0 1.8 – –

Average wage within the following categories:3

Lowest 25 percent ......................................................... 4.3 0.0 6.9 0.0 21.4 0.0 4.2 – –

Lowest 10 percent ..................................................... 10.4 – – – – – 10.4 – –

Second 25 percent ........................................................ 2.7 0.2 3.1 13.3 0.0 3.1 2.6 – –

Third 25 percent ............................................................ 3.0 0.0 6.3 12.4 0.0 0.0 2.9 – –

Highest 25 percent ........................................................ 2.2 1.6 0.0 9.6 0.0 1.0 2.2 – –

Highest 10 percent .................................................... 3.4 3.7 1.7 11.1 0.0 6.0 3.3 – –

Establishment characteristic

Goods-producing industries .............................................. 4.7 1.7 5.5 0.0 11.6 0.0 4.0 – –

Construction .................................................................. – – – – – – 7.0 – –

Manufacturing ............................................................... 5.4 1.7 6.3 0.0 13.6 0.0 4.4 – –

Service-providing industries .............................................. 2.4 0.0 7.3 11.0 0.0 3.5 2.4 – –

Trade, transportation, and utilities ................................. 4.3 0.3 0.0 0.0 6.8 5.4 4.3 – –

Wholesale trade ........................................................ 6.6 – – – – – 6.6 – –

Retail trade ................................................................ 5.3 – – – – – 5.3 – –

Transportation and warehousing .............................. 10.9 – – – – – 10.9 – –

Information .................................................................... 8.0 2.0 7.8 12.9 0.0 0.0 8.0 – –

Financial activities ......................................................... 4.3 0.0 2.9 0.0 1.0 11.0 4.3 – –

Finance and insurance .............................................. 4.1 0.0 0.0 0.0 1.0 12.8 4.1 – –

Credit intermediation and related activities ........... 4.8 0.0 4.6 2.6 13.0 10.0 4.8 – –

Insurance carriers and related activities ............... 7.1 0.6 6.7 2.2 9.9 19.2 7.1 – –

Professional and business services .............................. 6.6 6.8 0.0 15.4 11.8 0.0 6.6 – –

Professional and technical services .......................... – – – – – – 7.7 – –

Education and health services ...................................... 4.3 – – – – – 4.3 – –

Educational services ................................................. – – – – – – 8.2 – 2 ( )

Junior colleges, colleges, and universities ............ 2.0 – – – – – 3.1 – –

Health care and social assistance ............................ 4.7 – – – – – 4.7 – –

See footnotes at end of table.
Table 25. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National

Compensation Survey, 2009—Continued

Characteristics

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit1

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 ................................................................. 3.0 0.0 1.0 6.1 2.8 22.6 3.0 – –

1 to 49 workers ............................................................. 3.6 0.3 2.0 7.3 11.3 17.2 3.6 – –

50 to 99 workers ........................................................... 3.9 0.0 2.8 5.8 1.0 14.0 3.6 – –

100 workers or more ......................................................... 2.2 0.9 0.0 2.8 0.0 0.0 2.1 – –

100 to 499 workers ....................................................... 2.9 0.2 4.8 3.4 0.0 6.7 2.7 – –

500 workers or more ..................................................... 3.2 2.8 0.0 8.6 8.8 0.0 3.1 – –

Geographic area

New England ..................................................................... 4.6 2.7 2.9 4.7 0.0 14.7 3.2 – –

Middle Atlantic ................................................................... 4.6 2.9 1.0 13.0 5.2 9.7 4.6 – –

East North Central ............................................................ 3.2 – – – – – 3.2 – –

West North Central ........................................................... 4.7 – – – – – 4.7 – –

South Atlantic .................................................................... 2.8 2.2 0.0 0.0 13.9 6.6 2.8 – –

East South Central ............................................................ 5.1 – – – – – 4.8 – –

West South Central ........................................................... 7.8 – – – – – 7.9 – –

Mountain ........................................................................... 5.5 3.7 7.7 7.6 13.8 6.5 5.8 – –

Pacific ............................................................................... 6.4 0.0 9.0 12.3 0.0 1.7 4.5 – –

1 The distribution of maximum employee contributions expressed as a percent of earnings

should not be compared with data published by BLS on this topic in previous years due to changes in

coding procedures. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 26. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National

Compensation Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 62 3.0 4.0 6.0 6.0 6.0 35 2

Management, professional, and related ............................ 100 61 3.0 4.0 6.0 6.0 6.0 35 3

Management, business, and financial ........................... 100 58 4.0 5.0 6.0 6.0 6.0 37 5

Professional and related ............................................... 100 64 3.0 4.0 5.0 6.0 6.0 34 2

Service .............................................................................. 100 68 3.0 4.0 5.0 6.0 6.0 31 2

Protective service .......................................................... 100 77 4.0 5.0 6.0 6.0 7.0 – –

Sales and office ................................................................ 100 63 3.0 5.0 6.0 6.0 6.0 36 1

Sales and related .......................................................... 100 59 2.0 4.0 5.0 6.0 6.0 41 2 ( )

Office and administrative support ................................. 100 64 4.0 5.0 6.0 6.0 6.0 35 1

Natural resources, construction, and maintenance ........... 100 68 4.0 5.0 6.0 6.0 7.0 25 7

Construction, extraction, farming, fishing, and forestry 100 69 4.0 5.0 6.0 6.0 7.0 – –

Installation, maintenance, and repair ............................ 100 68 4.0 4.0 6.0 6.0 7.0 27 5

Production, transportation, and material moving .............. 100 60 3.0 5.0 6.0 6.0 7.0 39 1

Production ..................................................................... 100 61 3.0 5.0 6.0 6.0 7.0 38 1

Transportation and material moving ............................. 100 58 2.5 4.0 5.0 6.0 6.0 41 2

Full time ............................................................................ 100 62 3.0 4.0 6.0 6.0 6.0 35 3

Part time ............................................................................ 100 67 3.0 4.0 5.0 6.0 6.0 32 1

Union ................................................................................. 100 74 3.0 5.0 6.0 6.0 6.0 21 5

Nonunion ........................................................................... 100 61 3.0 4.0 6.0 6.0 6.0 36 2

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 70 3.0 4.0 5.0 6.0 6.0 28 1

Lowest 10 percent ..................................................... 100 72 4.0 4.0 6.0 6.0 6.0 – –

Second 25 percent ........................................................ 100 60 3.0 4.0 6.0 6.0 6.0 39 1

Third 25 percent ............................................................ 100 65 3.0 4.0 6.0 6.0 6.0 33 2

Highest 25 percent ........................................................ 100 60 4.0 4.0 6.0 6.0 6.0 36 4

Highest 10 percent .................................................... 100 60 4.0 4.0 6.0 6.0 6.0 38 2

Establishment characteristic

Goods-producing industries .............................................. 100 65 3.0 5.0 6.0 6.0 7.0 33 2

Construction .................................................................. 100 71 4.0 5.0 6.0 6.0 7.0 – –

Manufacturing ............................................................... 100 63 3.0 5.0 6.0 6.0 8.0 36 1

Service-providing industries .............................................. 100 62 3.0 4.0 6.0 6.0 6.0 36 2

Trade, transportation, and utilities ................................. 100 58 2.0 4.0 5.0 6.0 6.0 41 1

Wholesale trade ........................................................ 100 47 2.5 4.0 6.0 7.0 8.0 51 2

Retail trade ................................................................ 100 60 2.0 3.0 5.0 5.0 6.0 40 2 ( )

Transportation and warehousing .............................. 100 64 3.0 5.0 5.0 6.0 6.0 36 –

Information .................................................................... 100 64 – – – – – 29 7

Financial activities ......................................................... 100 72 4.0 5.0 6.0 6.0 7.0 23 6

Finance and insurance .............................................. 100 74 4.0 5.0 6.0 6.0 7.0 24 2

Credit intermediation and related activities ........... 100 82 4.0 5.0 6.0 6.0 6.0 17 1

Insurance carriers and related activities ............... 100 65 4.0 5.0 6.0 6.0 7.0 33 2

Professional and business services .............................. 100 55 4.0 4.0 6.0 6.0 6.0 45 –

Professional and technical services .......................... 100 50 4.0 4.0 6.0 6.0 6.0 50 –

Education and health services ...................................... 100 71 3.0 4.0 4.0 6.0 6.0 26 3

Educational services ................................................. 100 69 – – – – – 24 7

Junior colleges, colleges, and universities ............ 100 67 2.0 3.0 4.0 5.0 6.0 24 9

Health care and social assistance ............................ 100 71 3.0 4.0 4.0 6.0 6.0 26 3

See footnotes at end of table.
Table 26. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National

Compensation Survey, 2009—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

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 ................................................................. 100 60 3.0 4.0 6.0 6.0 6.0 35 5

1 to 49 workers ............................................................. 100 58 3.0 4.0 6.0 6.0 6.0 36 5

50 to 99 workers ........................................................... 100 64 3.0 4.0 6.0 6.0 6.0 32 4

100 workers or more ......................................................... 100 64 3.0 4.0 6.0 6.0 6.0 35 1

100 to 499 workers ....................................................... 100 62 3.0 4.0 6.0 6.0 7.0 37 2 ( )

500 workers or more ..................................................... 100 65 4.0 4.0 5.0 6.0 6.0 33 2

Geographic area

New England ..................................................................... 100 65 4.0 5.0 6.0 6.0 6.0 – –

Middle Atlantic ................................................................... 100 66 3.0 4.0 6.0 6.0 6.0 29 5

East North Central ............................................................ 100 61 3.0 4.0 6.0 6.0 6.0 38 2 ( )

West North Central ........................................................... 100 61 – – – – – 36 3

South Atlantic .................................................................... 100 65 4.0 4.0 5.0 6.0 6.0 33 3

East South Central ............................................................ 100 57 3.0 4.0 5.0 6.0 7.0 42 1

West South Central ........................................................... 100 58 4.0 4.0 5.0 6.0 7.0 39 3

Mountain ........................................................................... 100 70 3.0 4.0 6.0 6.0 6.0 30 –

Pacific ............................................................................... 100 57 3.0 5.0 6.0 6.0 8.0 42 2 ( )

1 Includes a maximum dollar amount specified by employer. 2 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 26. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2009

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 characteristic

All workers ........................................................................ 2.0 0.0 0.0 0.0 0.0 0.0 2.0 0.4

Management, professional, and related ............................ 3.1 0.5 0.0 0.6 0.0 0.0 2.9 0.9

Management, business, and financial ........................... 3.1 1.2 1.4 0.0 0.0 1.0 3.0 1.9

Professional and related ............................................... 4.2 0.2 0.0 1.0 0.0 0.0 4.2 0.7

Service .............................................................................. 4.8 0.0 0.0 1.0 0.0 0.0 5.0 0.7

Protective service .......................................................... 10.0 0.0 1.4 0.4 0.0 0.9 – –

Sales and office ................................................................ 2.9 0.1 1.3 0.0 0.0 0.3 2.8 0.2

Sales and related .......................................................... 4.8 0.2 0.5 0.0 0.0 0.0 4.8 0.2

Office and administrative support ................................. 3.3 1.3 0.2 0.0 0.0 0.8 3.3 0.2

Natural resources, construction, and maintenance ........... 5.2 0.4 0.5 0.0 0.0 0.4 5.0 4.2

Construction, extraction, farming, fishing, and forestry 9.6 0.4 0.0 0.0 0.0 0.4 – –

Installation, maintenance, and repair ............................ 6.1 1.4 1.5 0.0 0.0 3.4 5.8 3.4

Production, transportation, and material moving .............. 4.2 0.4 0.9 0.0 0.0 1.2 4.1 0.7

Production ..................................................................... 4.7 0.6 0.7 0.0 0.0 1.4 4.8 0.5

Transportation and material moving ............................. 6.9 0.5 1.2 0.4 0.0 1.2 6.3 1.4

Full time ............................................................................ 2.0 0.0 0.0 0.0 0.0 0.0 2.0 0.4

Part time ............................................................................ 4.4 1.4 1.2 0.0 0.0 0.0 4.5 0.5

Union ................................................................................. 4.7 1.1 1.2 0.0 0.0 2.1 5.1 2.3

Nonunion ........................................................................... 2.1 0.0 0.0 0.0 0.0 0.0 2.1 0.4

Average wage within the following categories:2

Lowest 25 percent ......................................................... 5.0 0.4 0.4 0.0 0.0 0.0 5.0 0.6

Lowest 10 percent ..................................................... 11.6 1.1 0.6 1.3 0.0 0.0 – –

Second 25 percent ........................................................ 2.9 0.0 0.0 0.7 0.0 1.5 2.9 0.3

Third 25 percent ............................................................ 3.3 1.1 0.0 0.0 0.0 0.6 2.9 0.6

Highest 25 percent ........................................................ 2.5 1.4 0.1 0.0 0.0 0.0 2.8 0.9

Highest 10 percent .................................................... 3.9 0.3 1.2 0.0 0.0 0.0 3.8 0.5

Establishment characteristic

Goods-producing industries .............................................. 3.2 0.5 0.2 0.0 0.0 1.2 3.8 1.5

Construction .................................................................. 9.5 1.5 0.4 0.0 0.0 1.1 – –

Manufacturing ............................................................... 4.0 0.5 0.6 0.0 0.0 0.6 4.1 0.4

Service-providing industries .............................................. 2.5 0.0 0.0 1.2 0.0 0.0 2.3 0.6

Trade, transportation, and utilities ................................. 3.4 0.5 0.6 0.0 0.0 0.4 3.2 0.6

Wholesale trade ........................................................ 6.9 1.2 2.0 0.0 0.7 2.1 6.6 2.0

Retail trade ................................................................ 4.3 0.0 1.2 0.0 0.0 0.0 4.3 0.2

Transportation and warehousing .............................. 10.0 0.3 1.3 0.0 0.5 0.0 10.0 –

Information .................................................................... 7.3 – – – – – 8.3 3.7

Financial activities ......................................................... 3.3 0.0 0.0 0.0 0.0 1.0 3.2 2.2

Finance and insurance .............................................. 3.2 0.0 0.0 0.0 0.0 0.7 3.2 0.6

Credit intermediation and related activities ........... 3.1 0.0 0.0 1.1 0.0 0.0 3.0 1.0

Insurance carriers and related activities ............... 6.9 0.0 0.0 0.3 0.0 0.0 7.3 1.6

Professional and business services .............................. 6.5 0.0 0.4 0.0 0.0 0.0 6.5 –

Professional and technical services .......................... 9.1 0.0 1.1 0.0 0.0 0.0 9.1 –

Education and health services ...................................... 3.5 0.0 0.1 0.2 0.0 0.0 3.7 1.3

Educational services ................................................. 7.3 – – – – – 7.2 2.3

Junior colleges, colleges, and universities ............ 6.0 0.0 0.2 0.9 0.0 0.8 5.9 2.6

Health care and social assistance ............................ 3.9 0.0 0.2 0.2 0.0 0.0 4.2 1.5

See footnotes at end of table.
Table 26. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2009—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 ................................................................. 3.4 0.7 0.0 0.0 0.0 0.0 3.4 1.1

1 to 49 workers ............................................................. 3.7 1.1 0.8 0.0 0.0 0.0 4.2 2.0

50 to 99 workers ........................................................... 5.6 0.8 0.0 0.0 0.0 1.2 5.0 2.6

100 workers or more ......................................................... 2.1 0.3 0.0 0.0 0.0 0.9 2.2 0.2

100 to 499 workers ....................................................... 3.9 0.0 1.0 0.0 0.0 0.4 4.0 0.1

500 workers or more ..................................................... 2.9 0.6 0.0 1.1 0.0 0.0 2.8 0.5

Geographic area

New England ..................................................................... 11.6 0.9 0.4 0.0 0.0 0.0 – –

Middle Atlantic ................................................................... 6.3 1.3 0.0 0.0 0.0 0.9 6.6 0.5

East North Central ............................................................ 6.0 0.9 0.0 0.8 0.0 0.7 6.1 0.4

West North Central ........................................................... 7.1 – – – – – 7.8 2.5

South Atlantic .................................................................... 2.7 0.3 0.0 1.0 0.0 0.0 2.9 1.3

East South Central ............................................................ 7.4 1.3 0.0 1.3 0.0 2.3 7.8 0.6

West South Central ........................................................... 5.5 1.3 0.0 1.0 0.0 1.1 4.7 1.6

Mountain ........................................................................... 7.4 0.2 1.1 0.0 0.0 0.0 7.4 –

Pacific ............................................................................... 4.0 0.7 0.0 0.0 0.0 2.5 3.9 0.3

1 Includes a maximum dollar amount specified by employer. 2 The categories are based on the average wage for each occupation surveyed, which

may include workers both above and below the threshold. The average wages are based on

the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 27. Savings and thrift plans: Method of employer matching contributions, private industry workers, National Compensation

Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 62 25 50 50 100 100 35 2

Management, professional, and related ............................ 100 61 – – – – – 35 3

Management, business, and financial ........................... 100 58 50 50 80 100 100 37 5

Professional and related ............................................... 100 64 – – – – – 34 2

Service .............................................................................. 100 68 – – – – – 31 2

Protective service .......................................................... 100 77 – – – – – – –

Sales and office ................................................................ 100 63 50 50 80 100 100 36 1

Sales and related .......................................................... 100 59 – – – – – 41 2 ( )

Office and administrative support ................................. 100 64 50 50 50 100 100 35 1

Natural resources, construction, and maintenance ........... 100 68 25 40 50 75 100 25 7

Construction, extraction, farming, fishing, and forestry 100 69 – – – – – – –

Installation, maintenance, and repair ............................ 100 68 25 50 50 80 100 27 5

Production, transportation, and material moving .............. 100 60 25 50 50 100 100 39 1

Production ..................................................................... 100 61 25 50 50 100 100 38 1

Transportation and material moving ............................. 100 58 25 50 50 100 100 41 2

Full time ............................................................................ 100 62 25 50 50 100 100 35 3

Part time ............................................................................ 100 67 25 50 50 100 100 32 1

Union ................................................................................. 100 74 – – – – – 21 5

Nonunion ........................................................................... 100 61 25 50 50 100 100 36 2

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 70 25 50 50 100 100 28 1

Lowest 10 percent ..................................................... 100 72 – – – – – – –

Second 25 percent ........................................................ 100 60 25 50 50 100 100 39 1

Third 25 percent ............................................................ 100 65 25 50 50 100 100 33 2

Highest 25 percent ........................................................ 100 60 – – – – – 36 4

Highest 10 percent .................................................... 100 60 – – – – – 38 2

Establishment characteristic

Goods-producing industries .............................................. 100 65 25 50 50 100 100 33 2

Construction .................................................................. 100 71 – – – – – – –

Manufacturing ............................................................... 100 63 25 50 50 100 100 36 1

Service-providing industries .............................................. 100 62 32 50 65 100 100 36 2

Trade, transportation, and utilities ................................. 100 58 25 50 100 100 100 41 1

Wholesale trade ........................................................ 100 47 – – – – – 51 2

Retail trade ................................................................ 100 60 – – – – – 40 2 ( )

Transportation and warehousing .............................. 100 64 25 35 50 100 100 36 –

Information .................................................................... 100 64 50 50 50 80 100 29 7

Financial activities ......................................................... 100 72 50 50 100 100 100 23 6

Finance and insurance .............................................. 100 74 50 50 100 100 100 24 2

Credit intermediation and related activities ........... 100 82 50 100 100 100 100 17 1

Insurance carriers and related activities ............... 100 65 – – – – – 33 2

Professional and business services .............................. 100 55 – – – – – 45 –

Professional and technical services .......................... 100 50 – – – – – 50 –

Education and health services ...................................... 100 71 – – – – – 26 3

Educational services ................................................. 100 69 – – – – – 24 7

Junior colleges, colleges, and universities ............ 100 67 – – – – – 24 9

Health care and social assistance ............................ 100 71 – – – – – 26 3

See footnotes at end of table.
Table 27. Savings and thrift plans: Method of employer matching contributions, private industry workers, National Compensation

Survey, 2009—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 60 25 50 75 100 100 35 5

1 to 49 workers ............................................................. 100 58 50 50 100 100 100 36 5

50 to 99 workers ........................................................... 100 64 25 50 50 100 100 32 4

100 workers or more ......................................................... 100 64 25 50 50 100 100 35 1

100 to 499 workers ....................................................... 100 62 25 50 50 100 100 37 2 ( )

500 workers or more ..................................................... 100 65 50 50 65 100 100 33 2

Geographic area

New England ..................................................................... 100 65 – – – – – – –

Middle Atlantic ................................................................... 100 66 25 50 50 100 100 29 5

East North Central ............................................................ 100 61 25 50 50 100 100 38 2 ( )

West North Central ........................................................... 100 61 – – – – – 36 3

South Atlantic .................................................................... 100 65 25 50 50 100 100 33 3

East South Central ............................................................ 100 57 – – – – – 42 1

West South Central ........................................................... 100 58 – – – – – 39 3

Mountain ........................................................................... 100 70 – – – – – 30 –

Pacific ............................................................................... 100 57 – – – – – 42 2 ( )

1 Includes a maximum dollar amount specified by employer. 2 Less than 0.5 percent. 3 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 27. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2009

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 2.0 0.0 0.0 0.0 0.0 0.0 2.0 0.4

Management, professional, and related ............................ 3.1 – – – – – 2.9 0.9

Management, business, and financial ........................... 3.1 0.0 0.0 26.1 0.0 0.0 3.0 1.9

Professional and related ............................................... 4.2 – – – – – 4.2 0.7

Service .............................................................................. 4.8 – – – – – 5.0 0.7

Protective service .......................................................... 10.0 – – – – – – –

Sales and office ................................................................ 2.9 22.7 0.0 28.5 0.0 0.0 2.8 0.2

Sales and related .......................................................... 4.8 – – – – – 4.8 0.2

Office and administrative support ................................. 3.3 16.5 0.0 23.6 0.0 0.0 3.3 0.2

Natural resources, construction, and maintenance ........... 5.2 0.0 13.3 0.0 15.5 0.0 5.0 4.2

Construction, extraction, farming, fishing, and forestry 9.6 – – – – – – –

Installation, maintenance, and repair ............................ 6.1 2.0 0.0 7.3 22.3 0.0 5.8 3.4

Production, transportation, and material moving .............. 4.2 0.0 0.0 0.0 0.0 0.0 4.1 0.7

Production ..................................................................... 4.7 0.0 0.0 0.0 4.9 0.0 4.8 0.5

Transportation and material moving ............................. 6.9 2.9 19.7 0.0 12.3 0.0 6.3 1.4

Full time ............................................................................ 2.0 1.0 0.0 1.6 0.0 0.0 2.0 0.4

Part time ............................................................................ 4.4 8.4 2.9 13.9 0.0 0.0 4.5 0.5

Union ................................................................................. 4.7 – – – – – 5.1 2.3

Nonunion ........................................................................... 2.1 1.0 0.0 2.0 0.0 0.0 2.1 0.4

Average wage within the following categories:2

Lowest 25 percent ......................................................... 5.0 0.0 0.0 0.0 0.0 0.0 5.0 0.6

Lowest 10 percent ..................................................... 11.6 – – – – – – –

Second 25 percent ........................................................ 2.9 2.8 0.0 0.0 0.0 0.0 2.9 0.3

Third 25 percent ............................................................ 3.3 0.0 0.0 0.0 0.0 0.0 2.9 0.6

Highest 25 percent ........................................................ 2.5 – – – – – 2.8 0.9

Highest 10 percent .................................................... 3.9 – – – – – 3.8 0.5

Establishment characteristic

Goods-producing industries .............................................. 3.2 0.0 12.2 0.0 26.6 0.0 3.8 1.5

Construction .................................................................. 9.5 – – – – – – –

Manufacturing ............................................................... 4.0 0.0 0.0 0.0 8.8 0.0 4.1 0.4

Service-providing industries .............................................. 2.5 15.3 0.0 20.2 0.0 0.0 2.3 0.6

Trade, transportation, and utilities ................................. 3.4 0.0 0.0 44.9 0.0 0.0 3.2 0.6

Wholesale trade ........................................................ 6.9 – – – – – 6.6 2.0

Retail trade ................................................................ 4.3 – – – – – 4.3 0.2

Transportation and warehousing .............................. 10.0 0.0 15.5 3.9 24.0 0.0 10.0 –

Information .................................................................... 7.3 0.0 0.0 6.1 0.0 0.0 8.3 3.7

Financial activities ......................................................... 3.3 0.0 8.6 0.0 0.0 0.0 3.2 2.2

Finance and insurance .............................................. 3.2 0.0 9.4 0.0 0.0 0.0 3.2 0.6

Credit intermediation and related activities ........... 3.1 0.0 0.0 0.0 0.0 7.2 3.0 1.0

Insurance carriers and related activities ............... 6.9 – – – – – 7.3 1.6

Professional and business services .............................. 6.5 – – – – – 6.5 –

Professional and technical services .......................... 9.1 – – – – – 9.1 –

Education and health services ...................................... 3.5 – – – – – 3.7 1.3

Educational services ................................................. 7.3 – – – – – 7.2 2.3

Junior colleges, colleges, and universities ............ 6.0 – – – – – 5.9 2.6

Health care and social assistance ............................ 3.9 – – – – – 4.2 1.5

See footnotes at end of table.
Table 27. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2009—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 ................................................................. 3.4 9.9 0.0 20.4 0.0 0.0 3.4 1.1

1 to 49 workers ............................................................. 3.7 17.8 0.0 25.3 0.0 0.0 4.2 2.0

50 to 99 workers ........................................................... 5.6 1.0 9.3 18.8 0.0 0.0 5.0 2.6

100 workers or more ......................................................... 2.1 1.4 0.0 0.0 0.0 0.0 2.2 0.2

100 to 499 workers ....................................................... 3.9 0.0 2.0 0.0 13.7 0.0 4.0 0.1

500 workers or more ..................................................... 2.9 2.9 0.0 20.8 0.0 0.0 2.8 0.5

Geographic area

New England ..................................................................... 11.6 – – – – – – –

Middle Atlantic ................................................................... 6.3 9.5 0.0 0.0 0.0 0.0 6.6 0.5

East North Central ............................................................ 6.0 2.0 0.0 2.8 0.0 0.0 6.1 0.4

West North Central ........................................................... 7.1 – – – – – 7.8 2.5

South Atlantic .................................................................... 2.7 5.5 0.0 6.5 0.0 0.0 2.9 1.3

East South Central ............................................................ 7.4 – – – – – 7.8 0.6

West South Central ........................................................... 5.5 – – – – – 4.7 1.6

Mountain ........................................................................... 7.4 – – – – – 7.4 –

Pacific ............................................................................... 4.0 – – – – – 3.9 0.3

1 Includes a maximum dollar amount specified by employer. 2 The categories are based on the average wage for each occupation surveyed, which

may include workers both above and below the threshold. The average wages are based on

the estimates published in the "National Compensation Survey: Occupational Earnings in the

United States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Table 28. Savings and thrift plans: Maximum potential employer contribution,1

 private industry

workers, National Compensation Survey, 2009

(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 characteristic

All workers ........................................................................ 1.5 2.1 3.0 4.8 6.0

Sales and office ................................................................ 2.0 3.0 3.5 5.0 6.0

Office and administrative support ................................. 2.0 3.0 3.0 5.0 6.0

Natural resources, construction, and maintenance ........... 1.5 2.0 3.0 4.0 6.0

Production, transportation, and material moving .............. 1.5 2.0 3.0 4.0 6.0

Production ..................................................................... 1.5 2.5 3.0 4.2 6.0

Transportation and material moving ............................. 1.0 2.0 2.5 3.5 6.0

Full time ............................................................................ 1.5 2.4 3.0 4.8 6.0

Part time ............................................................................ 1.3 2.0 3.0 5.0 5.0

Nonunion ........................................................................... 1.5 2.1 3.0 5.0 6.0

Average wage within the following categories:2

Second 25 percent ........................................................ 1.5 2.1 3.0 4.5 6.0

Third 25 percent ............................................................ 1.5 2.0 3.0 4.0 6.0

Establishment characteristic

Goods-producing industries .............................................. 1.5 2.0 3.0 4.0 6.0

Manufacturing ............................................................... 1.5 2.0 3.0 4.0 6.0

Service-providing industries .............................................. 1.5 2.5 3.0 5.0 6.0

Trade, transportation, and utilities ................................. 1.3 2.1 3.0 5.0 6.0

Transportation and warehousing .............................. 1.3 2.1 2.5 3.0 6.0

Financial activities ......................................................... 3.0 3.0 5.0 6.0 6.0

Finance and insurance .............................................. 3.0 3.5 5.0 6.0 6.0

Credit intermediation and related activities ........... 3.0 4.0 5.0 6.0 6.0

1 to 99 workers ................................................................. 1.5 3.0 3.0 5.0 6.0

1 to 49 workers ............................................................. 2.0 3.0 3.0 5.0 6.0

50 to 99 workers ........................................................... 1.5 2.0 3.0 4.0 6.0

100 workers or more ......................................................... 1.5 2.0 3.0 4.5 6.0

100 to 499 workers ....................................................... 1.5 2.0 3.0 4.5 6.0

500 workers or more ..................................................... 2.0 2.5 3.0 5.0 6.0

Geographic area

Middle Atlantic ................................................................... 1.5 2.1 3.0 4.0 5.5

East North Central ............................................................ 1.5 2.0 3.0 4.8 6.0

South Atlantic .................................................................... 1.5 2.0 3.0 4.0 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 The categories are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold.

The average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 28. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1 private industry workers, National Compensation Survey, 2009

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 0.0 0.5 0.0 0.4 0.0

Sales and office ................................................................ 0.6 0.0 0.6 0.0 0.0

Office and administrative support ................................. 0.7 0.0 0.5 0.1 0.0

Natural resources, construction, and maintenance ........... 0.7 0.3 0.0 0.6 1.5

Production, transportation, and material moving .............. 0.3 0.2 0.0 0.3 0.6

Production ..................................................................... 0.1 0.8 0.0 0.4 0.4

Transportation and material moving ............................. 0.3 0.1 0.5 0.7 1.3

Full time ............................................................................ 2 ( ) 0.5 0.0 0.4 0.0

Part time ............................................................................ 0.3 0.2 0.2 0.0 0.0

Nonunion ........................................................................... 0.0 0.5 0.0 0.7 0.0

Average wage within the following categories:3

Second 25 percent ........................................................ 0.0 0.5 0.0 0.8 0.0

Third 25 percent ............................................................ 0.0 2 ( ) 0.0 0.8 0.0

Establishment characteristic

Goods-producing industries .............................................. 0.0 0.0 0.0 0.6 0.6

Manufacturing ............................................................... 0.0 0.7 0.0 0.4 0.6

Service-providing industries .............................................. 0.1 0.5 0.0 0.1 0.0

Trade, transportation, and utilities ................................. 0.3 0.3 0.1 0.2 0.9

Transportation and warehousing .............................. 0.1 0.5 0.0 1.5 0.7

Financial activities ......................................................... 0.0 0.6 0.2 0.0 0.6

Finance and insurance .............................................. 0.0 0.5 0.0 0.0 0.8

Credit intermediation and related activities ........... 0.0 0.4 0.0 0.0 0.5

1 to 99 workers ................................................................. 0.3 0.4 0.0 0.2 0.0

1 to 49 workers ............................................................. 0.6 0.0 0.5 0.0 0.0

50 to 99 workers ........................................................... 0.3 0.4 0.0 0.3 0.0

100 workers or more ......................................................... 0.0 0.1 0.0 0.4 0.0

100 to 499 workers ....................................................... 0.0 2 ( ) 0.0 0.6 1.3

500 workers or more ..................................................... 0.4 0.7 0.5 0.4 0.0

Geographic area

Middle Atlantic ................................................................... 0.2 0.9 0.0 0.6 1.0

East North Central ............................................................ 0.0 0.0 2 ( ) 1.3 0.0

South Atlantic .................................................................... 0.3 0.7 0.0 0.9 0.0

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 Less than 0.05. 3 The categories are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold.

The average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20092010.htm.
Table 29. Savings and thrift plans: Eligibility requirements, private industry workers, National

Compensation Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

With

minimum age

or service

requirement

Median age

requirement

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Not

determinable

Worker characteristic

All workers ........................................................................ 100 70 21 6 25 5

Management, professional, and related ............................ 100 63 21 6 31 5

Management, business, and financial ........................... 100 65 21 – 28 7

Professional and related ............................................... 100 62 21 6 33 4

Service .............................................................................. 100 76 21 12 17 7

Sales and office ................................................................ 100 77 21 6 18 5

Sales and related .......................................................... 100 87 21 12 10 4

Office and administrative support ................................. 100 73 21 6 22 5

Natural resources, construction, and maintenance ........... 100 74 21 – 21 5

Construction, extraction, farming, fishing, and forestry 100 84 21 12 – –

Installation, maintenance, and repair ............................ 100 67 21 – 25 8

Production, transportation, and material moving .............. 100 71 21 6 25 4

Production ..................................................................... 100 57 21 – 38 6

Transportation and material moving ............................. 100 91 21 6 8 1

Full time ............................................................................ 100 69 21 6 26 5

Part time ............................................................................ 100 86 21 12 10 4

Union ................................................................................. 100 55 21 6 38 6

Nonunion ........................................................................... 100 72 21 6 23 5

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 86 21 12 – –

Lowest 10 percent ..................................................... 100 80 21 – – –

Second 25 percent ........................................................ 100 75 21 6 19 6

Third 25 percent ............................................................ 100 71 21 6 25 5

Highest 25 percent ........................................................ 100 64 21 6 31 5

Highest 10 percent .................................................... 100 64 21 6 31 5

Establishment characteristic

Goods-producing industries .............................................. 100 66 21 – 30 4

Construction .................................................................. 100 97 21 12 – –

Manufacturing ............................................................... 100 60 21 3 35 5

Service-providing industries .............................................. 100 72 21 6 23 5

Trade, transportation, and utilities ................................. 100 85 21 – 12 3

Wholesale trade ........................................................ 100 77 21 6 22 1

Retail trade ................................................................ 100 92 21 12 – –

Transportation and warehousing .............................. 100 91 21 – – –

Information .................................................................... 100 63 21 6 32 5

Financial activities ......................................................... 100 68 21 – 26 6

Finance and insurance .............................................. 100 66 21 – 27 7

Credit intermediation and related activities ........... 100 80 21 – 16 4

Insurance carriers and related activities ............... 100 50 21 – 39 10

Professional and business services .............................. 100 56 21 – 36 8

Professional and technical services .......................... 100 63 21 12 – –

Education and health services ...................................... 100 71 21 – 24 5

Educational services ................................................. 100 69 21 – 22 8

Junior colleges, colleges, and universities ............ 100 63 21 12 31 7

Health care and social assistance ............................ 100 71 21 6 24 4

See footnotes at end of table.
Table 29. Savings and thrift plans: Eligibility requirements, private industry workers, National

Compensation Survey, 2009—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

With

minimum age

or service

requirement

Median age

requirement

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Not

determinable

1 to 99 workers ................................................................. 100 81 21 – 13 6

1 to 49 workers ............................................................. 100 82 21 – 13 6

50 to 99 workers ........................................................... 100 80 21 6 14 6

100 workers or more ......................................................... 100 64 21 6 31 5

100 to 499 workers ....................................................... 100 73 21 6 24 4

500 workers or more ..................................................... 100 55 21 6 40 5

Geographic area

New England ..................................................................... 100 71 21 – 26 3

Middle Atlantic ................................................................... 100 64 21 – 30 6

East North Central ............................................................ 100 71 21 6 20 9

West North Central ........................................................... 100 71 21 – 24 5

South Atlantic .................................................................... 100 75 21 6 23 2

East South Central ............................................................ 100 65 21 – 30 5

West South Central ........................................................... 100 60 21 – 38 3

Mountain ........................................................................... 100 83 21 – – –

Pacific ............................................................................... 100 73 21 – – –

1 The categories are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold. The

average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008." See

Technical Note for more details.

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/glossary20092010.htm.
Table 29. Standard errors for savings and thrift plans: Eligibility requirements, private industry

workers, National Compensation Survey, 2009

Characteristics

With

minimum age

or service

requirement

Median age

requirement

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Not

determinable

Worker characteristic

All workers ........................................................................ 2.0 0.0 0.0 2.0 0.7

Management, professional, and related ............................ 3.1 0.0 0.6 2.9 1.0

Management, business, and financial ........................... 2.6 0.0 – 2.5 1.6

Professional and related ............................................... 4.3 0.0 0.6 4.1 1.1

Service .............................................................................. 3.8 0.0 3.3 3.1 2.5

Sales and office ................................................................ 2.4 0.0 0.0 2.1 0.8

Sales and related .......................................................... 2.7 0.0 3.1 2.1 1.3

Office and administrative support ................................. 3.0 0.0 0.0 2.6 1.1

Natural resources, construction, and maintenance ........... 4.6 0.4 – 4.0 3.4

Construction, extraction, farming, fishing, and forestry 5.2 0.8 0.0 – –

Installation, maintenance, and repair ............................ 6.6 1.0 – 5.9 5.5

Production, transportation, and material moving .............. 4.0 0.0 0.0 3.9 1.4

Production ..................................................................... 5.5 0.0 – 5.4 2.2

Transportation and material moving ............................. 2.2 0.0 0.0 2.1 0.8

Full time ............................................................................ 2.2 0.0 0.0 2.1 0.7

Part time ............................................................................ 2.5 0.0 0.0 1.9 2.1

Union ................................................................................. 4.8 3.3 1.7 5.0 3.1

Nonunion ........................................................................... 2.2 0.0 0.0 2.0 0.7

Average wage within the following categories:1

Lowest 25 percent ......................................................... 3.6 0.0 3.1 – –

Lowest 10 percent ..................................................... 9.1 0.0 – – –

Second 25 percent ........................................................ 3.1 0.0 0.0 2.8 1.2

Third 25 percent ............................................................ 2.8 0.0 0.0 2.6 1.0

Highest 25 percent ........................................................ 2.4 0.0 0.0 2.4 0.9

Highest 10 percent .................................................... 3.3 0.0 0.0 3.1 0.7

Establishment characteristic

Goods-producing industries .............................................. 3.6 1.0 – 3.6 1.2

Construction .................................................................. 1.8 1.8 2.4 – –

Manufacturing ............................................................... 4.4 2.2 0.0 4.3 1.6

Service-providing industries .............................................. 2.4 0.0 0.0 2.3 0.8

Trade, transportation, and utilities ................................. 2.0 0.0 – 2.1 1.3

Wholesale trade ........................................................ 5.3 0.0 1.2 5.0 1.1

Retail trade ................................................................ 2.8 0.0 0.0 – –

Transportation and warehousing .............................. 3.1 0.0 – – –

Information .................................................................... 7.8 0.0 0.6 7.3 2.1

Financial activities ......................................................... 3.1 0.0 – 3.0 1.6

Finance and insurance .............................................. 3.4 0.0 – 3.3 1.7

Credit intermediation and related activities ........... 3.4 0.0 – 2.6 2.0

Insurance carriers and related activities ............... 7.2 0.4 – 7.1 3.7

Professional and business services .............................. 6.8 0.0 – 6.9 3.1

Professional and technical services .......................... 9.2 0.0 1.8 – –

Education and health services ...................................... 5.1 0.0 – 4.6 1.4

Educational services ................................................. 6.7 0.0 – 5.2 4.6

Junior colleges, colleges, and universities ............ 5.9 0.0 0.0 4.5 2.9

Health care and social assistance ............................ 5.6 0.0 0.0 5.2 1.4

See footnotes at end of table.
Table 29. Standard errors for savings and thrift plans: Eligibility requirements, private industry

workers, National Compensation Survey, 2009—Continued

Characteristics

With

minimum age

or service

requirement

Median age

requirement

Median

service

requirement

(in months)

No minimum

age or

service

requirement

Not

determinable

1 to 99 workers ................................................................. 2.4 0.0 – 2.1 1.5

1 to 49 workers ............................................................. 2.9 0.0 – 2.2 1.9

50 to 99 workers ........................................................... 3.3 0.0 0.0 3.5 2.4

100 workers or more ......................................................... 2.6 0.0 0.0 2.4 0.7

100 to 499 workers ....................................................... 3.5 0.0 0.0 3.4 1.0

500 workers or more ..................................................... 3.4 0.0 0.0 3.1 1.0

Geographic area

New England ..................................................................... 3.1 0.0 – 2.6 1.6

Middle Atlantic ................................................................... 6.9 0.0 – 6.9 1.7

East North Central ............................................................ 4.1 0.0 0.0 3.1 2.9

West North Central ........................................................... 5.5 0.0 – 6.0 2.4

South Atlantic .................................................................... 4.0 0.0 0.0 3.9 0.9

East South Central ............................................................ 8.3 0.0 – 7.0 2.1

West South Central ........................................................... 7.5 0.0 – 6.7 1.0

Mountain ........................................................................... 3.0 1.3 – – –

Pacific ............................................................................... 4.9 2.4 – – –

1 The categories are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold.

The average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 30. Savings and thrift plans: Vesting requirements, private industry workers, National

Compensation Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

Worker characteristic

All workers ........................................................................ 100 29 18 39 14

Management, professional, and related ............................ 100 34 18 33 16

Management, business, and financial ........................... 100 34 18 36 13

Professional and related ............................................... 100 33 18 31 18

Service .............................................................................. 100 17 25 43 15

Sales and office ................................................................ 100 31 16 42 12

Sales and related .......................................................... 100 28 19 40 13

Office and administrative support ................................. 100 32 14 42 11

Natural resources, construction, and maintenance ........... 100 18 18 47 18

Installation, maintenance, and repair ............................ 100 23 18 44 15

Production, transportation, and material moving .............. 100 27 18 41 13

Production ..................................................................... 100 34 18 37 11

Transportation and material moving ............................. 100 18 18 47 17

Full time ............................................................................ 100 29 17 39 15

Part time ............................................................................ 100 33 24 34 9

Union ................................................................................. 100 25 33 31 12

Nonunion ........................................................................... 100 30 16 39 14

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 28 15 42 15

Second 25 percent ........................................................ 100 29 16 42 12

Third 25 percent ............................................................ 100 30 17 42 11

Highest 25 percent ........................................................ 100 30 20 34 17

Establishment characteristic

Goods-producing industries .............................................. 100 31 19 38 11

Manufacturing ............................................................... 100 39 17 35 10

Service-providing industries .............................................. 100 29 17 39 15

Trade, transportation, and utilities ................................. 100 32 19 37 12

Wholesale trade ........................................................ 100 24 – 50 –

Retail trade ................................................................ 100 37 22 34 8

Transportation and warehousing .............................. 100 – 25 35 –

Information .................................................................... 100 25 28 41 6

Financial activities ......................................................... 100 30 12 45 12

Finance and insurance .............................................. 100 29 11 48 12

Credit intermediation and related activities ........... 100 32 9 52 7

Insurance carriers and related activities ............... 100 – – 49 14

Education and health services ...................................... 100 16 22 45 17

Health care and social assistance ............................ 100 13 23 48 17

See footnotes at end of table.
Table 30. Savings and thrift plans: Vesting requirements, private industry workers, National

Compensation Survey, 2009—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

1 to 99 workers ................................................................. 100 24 15 46 16

1 to 49 workers ............................................................. 100 22 18 44 16

50 to 99 workers ........................................................... 100 27 9 50 14

100 workers or more ......................................................... 100 33 19 35 13

100 to 499 workers ....................................................... 100 29 17 39 16

500 workers or more ..................................................... 100 37 22 30 11

Geographic area

Middle Atlantic ................................................................... 100 26 28 38 8

East North Central ............................................................ 100 30 14 40 16

West North Central ........................................................... 100 16 27 40 17

South Atlantic .................................................................... 100 29 17 40 14

East South Central ............................................................ 100 27 28 38 7

West South Central ........................................................... 100 38 15 41 7

Mountain ........................................................................... 100 31 13 43 13

Pacific ............................................................................... 100 37 10 38 16

1 The categories are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold.

The average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 30. Standard errors for savings and thrift plans: Vesting requirements, private

industry workers, National Compensation Survey, 2009

Characteristics Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

Worker characteristic

All workers ........................................................................ 2.1 1.4 1.9 1.2

Management, professional, and related ............................ 3.5 1.9 2.4 1.7

Management, business, and financial ........................... 3.4 2.3 2.8 1.8

Professional and related ............................................... 4.6 2.5 3.2 2.3

Service .............................................................................. 2.9 5.6 6.6 3.6

Sales and office ................................................................ 2.5 1.7 2.9 2.0

Sales and related .......................................................... 3.6 3.8 4.8 4.3

Office and administrative support ................................. 2.7 2.1 3.4 2.2

Natural resources, construction, and maintenance ........... 4.3 4.2 5.5 5.3

Installation, maintenance, and repair ............................ 5.7 5.2 6.6 5.5

Production, transportation, and material moving .............. 3.4 2.5 3.4 2.7

Production ..................................................................... 4.7 3.4 4.0 2.9

Transportation and material moving ............................. 3.4 3.8 5.5 4.2

Full time ............................................................................ 2.2 1.4 2.0 1.3

Part time ............................................................................ 4.0 3.9 4.9 2.5

Union ................................................................................. 4.8 5.3 6.1 2.4

Nonunion ........................................................................... 2.3 1.3 2.0 1.2

Average wage within the following categories:1

Lowest 25 percent ......................................................... 4.3 2.9 4.5 4.3

Second 25 percent ........................................................ 2.6 2.7 3.6 1.6

Third 25 percent ............................................................ 3.1 1.7 2.9 1.3

Highest 25 percent ........................................................ 2.9 2.0 2.4 2.3

Establishment characteristic

Goods-producing industries .............................................. 3.8 2.3 3.3 2.7

Manufacturing ............................................................... 4.2 2.5 3.5 2.3

Service-providing industries .............................................. 2.4 1.7 2.2 1.5

Trade, transportation, and utilities ................................. 2.9 2.4 3.0 2.8

Wholesale trade ........................................................ 5.6 – 6.8 –

Retail trade ................................................................ 4.4 4.6 4.9 3.1

Transportation and warehousing .............................. – 6.4 7.5 –

Information .................................................................... 5.2 6.8 8.3 2.3

Financial activities ......................................................... 3.3 1.6 3.4 2.1

Finance and insurance .............................................. 3.4 1.9 3.3 2.1

Credit intermediation and related activities ........... 5.2 2.4 4.6 2.2

Insurance carriers and related activities ............... – – 6.6 4.4

Education and health services ...................................... 2.9 3.7 6.1 2.8

Health care and social assistance ............................ 2.8 4.2 6.6 3.2

1 to 99 workers ................................................................. 3.1 1.8 3.9 2.4

See footnotes at end of table.
Table 30. Standard errors for savings and thrift plans: Vesting requirements, private

industry workers, National Compensation Survey, 2009—Continued

Characteristics Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

1 to 49 workers ............................................................. 3.7 2.6 5.2 3.5

50 to 99 workers ........................................................... 4.7 2.3 4.3 3.2

100 workers or more ......................................................... 2.7 1.7 2.1 1.8

100 to 499 workers ....................................................... 3.7 2.4 3.3 3.0

500 workers or more ..................................................... 3.4 2.5 2.6 1.5

Geographic area

Middle Atlantic ................................................................... 2.9 5.4 3.7 0.9

East North Central ............................................................ 3.7 2.7 4.0 3.6

West North Central ........................................................... 4.2 4.6 6.2 2.7

South Atlantic .................................................................... 4.8 2.5 5.4 3.2

East South Central ............................................................ 7.4 6.6 5.8 2.5

West South Central ........................................................... 9.7 3.9 7.1 2.2

Mountain ........................................................................... 5.7 2.7 7.4 2.9

Pacific ............................................................................... 7.6 2.6 4.8 4.3

1 The categories are based on the average wage for each

occupation surveyed, which may include workers both above and

below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2008." See Technical

Note for more details.

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/glossary20092010.htm.
Table 31. Savings and thrift plans: Method of distribution of retirement benefits, private industry

workers, National Compensation Survey, 2009

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Method of distribution1

Lump sum Annuity Installments Other2 Not

determinable

Worker characteristic

All workers ........................................................................ 90 15 27 12 10

Management, professional, and related ............................ 88 18 27 9 11

Management, business, and financial ........................... 87 16 26 11 13

Professional and related ............................................... 89 19 27 7 10

Service .............................................................................. 93 18 29 – 6

Sales and office ................................................................ 93 16 32 13 7

Sales and related .......................................................... 95 9 29 19 5

Office and administrative support ................................. 92 18 33 10 7

Natural resources, construction, and maintenance ........... 85 18 27 13 14

Construction, extraction, farming, fishing, and forestry 82 – 25 – 18

Installation, maintenance, and repair ............................ 88 20 28 9 12

Production, transportation, and material moving .............. 88 – 21 16 12

Production ..................................................................... 90 – 27 18 10

Transportation and material moving ............................. 86 – – – 14

Full time ............................................................................ 89 15 27 12 10

Part time ............................................................................ 94 19 28 12 4

Union ................................................................................. 92 23 41 – 7

Nonunion ........................................................................... 89 14 26 12 10

Average wage within the following categories:3

Lowest 25 percent ......................................................... 91 14 23 11 8

Lowest 10 percent ..................................................... 96 – 20 – 3

Second 25 percent ........................................................ 91 13 27 13 8

Third 25 percent ............................................................ 91 13 28 12 9

Highest 25 percent ........................................................ 88 18 29 11 11

Highest 10 percent .................................................... 90 16 27 10 9

Establishment characteristic

Goods-producing industries .............................................. 90 6 24 20 10

Construction .................................................................. 90 – 26 – 10

Manufacturing ............................................................... 89 – 25 22 11

Service-providing industries .............................................. 90 18 28 9 10

Trade, transportation, and utilities ................................. 92 10 23 13 8

Wholesale trade ........................................................ 93 – 12 – 7

Retail trade ................................................................ 93 11 22 17 7

Transportation and warehousing .............................. 85 – – – 15

Information .................................................................... 93 33 47 – 7

Financial activities ......................................................... 89 19 28 13 11

Finance and insurance .............................................. 93 20 30 15 7

Credit intermediation and related activities ........... 91 13 36 19 9

Insurance carriers and related activities ............... 93 32 23 11 6

Professional and business services .............................. 88 22 29 – 12

Professional and technical services .......................... 89 30 – – 11

Education and health services ...................................... 86 23 31 – 11

Educational services ................................................. 80 33 17 – 9

Junior colleges, colleges, and universities ............ 84 40 23 – 13

Health care and social assistance ............................ 87 21 33 – 11

See footnotes at end of table.
Table 31. Savings and thrift plans: Method of distribution of retirement benefits, private industry

workers, National Compensation Survey, 2009—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Method of distribution1

Lump sum Annuity Installments Other2 Not

determinable

1 to 99 workers ................................................................. 90 12 33 11 10

1 to 49 workers ............................................................. 89 14 32 12 11

50 to 99 workers ........................................................... 90 8 34 – 10

100 workers or more ......................................................... 90 17 24 12 9

100 to 499 workers ....................................................... 91 17 22 11 8

500 workers or more ..................................................... 88 17 27 14 10

Geographic area

New England ..................................................................... 84 – 19 8 16

Middle Atlantic ................................................................... 84 14 26 – 15

East North Central ............................................................ 91 12 27 11 8

West North Central ........................................................... 89 – 27 – 10

South Atlantic .................................................................... 86 19 36 12 13

East South Central ............................................................ 95 – 25 – 4

West South Central ........................................................... 92 15 26 17 7

Mountain ........................................................................... 96 – 26 20 4

Pacific ............................................................................... 95 16 24 – 5

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 calulated separately (e.g.,

employer stock). 3 The categories are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold.

The average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 31. Standard errors for savings and thrift plans: Method of distribution of retirement

benefits, private industry workers, National Compensation Survey, 2009

Characteristics

Method of distribution

Lump sum Annuity Installments Other1 Not

determinable

Worker characteristic

All workers ........................................................................ 1.1 1.4 1.7 1.0 1.1

Management, professional, and related ............................ 1.6 2.0 2.5 1.2 1.7

Management, business, and financial ........................... 2.2 2.6 3.0 1.2 2.2

Professional and related ............................................... 2.1 2.4 3.3 1.3 2.2

Service .............................................................................. 2.3 4.1 4.9 – 2.3

Sales and office ................................................................ 1.3 1.9 3.1 1.9 1.3

Sales and related .......................................................... 1.6 2.5 4.4 4.1 1.6

Office and administrative support ................................. 1.8 2.4 3.7 1.5 1.7

Natural resources, construction, and maintenance ........... 5.1 3.9 4.5 3.2 5.0

Construction, extraction, farming, fishing, and forestry 9.4 – 6.4 – 9.4

Installation, maintenance, and repair ............................ 5.5 5.6 5.8 2.7 5.5

Production, transportation, and material moving .............. 2.6 – 3.8 2.7 2.6

Production ..................................................................... 3.2 – 5.1 3.3 3.2

Transportation and material moving ............................. 4.0 – – – 4.0

Full time ............................................................................ 1.1 1.4 1.7 1.1 1.1

Part time ............................................................................ 1.5 4.6 4.9 2.1 1.3

Union ................................................................................. 2.3 4.6 5.0 – 2.2

Nonunion ........................................................................... 1.1 1.4 1.8 1.1 1.1

Average wage within the following categories:2

Lowest 25 percent ......................................................... 3.5 3.4 3.9 2.8 3.5

Lowest 10 percent ..................................................... 2.3 – 5.9 – 2.0

Second 25 percent ........................................................ 1.5 1.8 2.4 1.7 1.5

Third 25 percent ............................................................ 1.5 1.9 2.6 1.5 1.5

Highest 25 percent ........................................................ 1.9 1.9 2.5 1.4 2.0

Highest 10 percent .................................................... 2.1 2.0 2.6 1.6 2.2

Establishment characteristic

Goods-producing industries .............................................. 2.6 1.6 3.3 3.4 2.6

Construction .................................................................. 8.5 – 6.7 – 8.5

Manufacturing ............................................................... 2.7 – 4.0 4.1 2.7

Service-providing industries .............................................. 1.1 1.6 2.1 1.0 1.1

Trade, transportation, and utilities ................................. 2.1 2.5 3.0 2.0 2.1

Wholesale trade ........................................................ 3.5 – 3.5 – 3.5

Retail trade ................................................................ 2.9 3.3 4.0 3.7 2.9

Transportation and warehousing .............................. 6.6 – – – 6.6

Information .................................................................... 3.4 7.7 6.7 – 3.4

Financial activities ......................................................... 2.7 3.5 2.6 2.3 2.7

Finance and insurance .............................................. 1.8 3.6 2.8 2.5 1.8

Credit intermediation and related activities ........... 2.6 3.0 4.6 4.6 2.6

Insurance carriers and related activities ............... 3.6 7.2 4.7 3.1 3.6

Professional and business services .............................. 4.0 5.5 6.7 – 4.0

Professional and technical services .......................... 6.0 7.8 – – 6.0

Education and health services ...................................... 2.5 3.2 4.4 – 2.3

Educational services ................................................. 6.1 6.4 4.1 – 3.0

Junior colleges, colleges, and universities ............ 4.3 5.0 4.0 – 4.0

Health care and social assistance ............................ 2.8 3.5 5.0 – 2.7

See footnotes at end of table.
Table 31. Standard errors for savings and thrift plans: Method of distribution of retirement

benefits, private industry workers, National Compensation Survey, 2009—Continued

Characteristics

Method of distribution

Lump sum Annuity Installments Other1 Not

determinable

1 to 99 workers ................................................................. 1.8 2.5 3.3 1.8 1.8

1 to 49 workers ............................................................. 2.9 3.6 4.4 2.4 2.9

50 to 99 workers ........................................................... 3.4 2.0 4.6 – 3.4

100 workers or more ......................................................... 1.4 2.0 1.9 1.2 1.3

100 to 499 workers ....................................................... 1.8 3.1 2.4 1.4 1.9

500 workers or more ..................................................... 1.9 2.4 2.9 2.3 1.9

Geographic area

New England ..................................................................... 4.0 – 4.1 1.2 4.0

Middle Atlantic ................................................................... 2.8 3.2 4.7 – 2.4

East North Central ............................................................ 3.1 3.5 4.9 2.7 3.1

West North Central ........................................................... 4.0 – 5.7 – 3.8

South Atlantic .................................................................... 2.6 2.7 3.9 1.8 2.8

East South Central ............................................................ 2.1 – 6.0 – 2.1

West South Central ........................................................... 2.3 4.5 3.0 4.4 2.3

Mountain ........................................................................... 2.6 – 5.2 3.7 2.6

Pacific ............................................................................... 1.0 4.7 5.7 – 1.0

1 Includes methods of distribution not calulated separately (e.g.,

employer stock). 2 The categories are based on the average wage for each occupation

surveyed, which may include workers both above and below the threshold.

The average wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United States, 2008."

See Technical Note for more details.

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/glossary20092010.htm.
Table 32. Money purchase pension plans: Employer contributions, private industry workers, National Compensation Survey,

2009

(All workers participating in money purchase pension plans = 100 percent)

Characteristics Total Fixed percent

of earnings

Fixed percent of earnings

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 65 – – – – – 34 2

Management, professional, and related ............................ 100 67 – – – – – 33 –

Management, business, and financial ........................... 100 67 – – – – – 33 –

Professional and related ............................................... 100 67 2.00 3.00 5.00 8.30 10.00 33 –

Service .............................................................................. 100 68 – – – – – 32 –

Sales and office ................................................................ 100 68 – – – – – 32 –

Office and administrative support ................................. 100 73 – – – – – 27 –

Natural resources, construction, and maintenance ........... 100 – – – – – – 56 –

Construction, extraction, farming, fishing, and forestry 100 – – – – – – 71 –

Installation, maintenance, and repair ............................ 100 80 – – – – – – –

Production, transportation, and material moving .............. 100 72 – – – – – – –

Production ..................................................................... 100 65 2.00 2.00 3.00 3.00 3.00 – –

Full time ............................................................................ 100 64 – – – – – 34 2

Part time ............................................................................ 100 72 – – – – – – –

Union ................................................................................. 100 41 – – – – – 50 9

Nonunion ........................................................................... 100 70 2.00 3.00 4.00 7.00 9.00 30 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 84 – – – – – – –

Second 25 percent ........................................................ 100 65 – – – – – 31 4

Third 25 percent ............................................................ 100 65 2.00 3.00 3.50 6.00 10.00 33 2

Highest 25 percent ........................................................ 100 62 – – – – – 38 2 ( )

Highest 10 percent .................................................... 100 68 – – – – – 32 –

Establishment characteristic

Goods-producing industries .............................................. 100 57 – – – – – 37 6

Manufacturing ............................................................... 100 64 – – – – – – –

Service-providing industries .............................................. 100 68 – – – – – 32 –

Education and health services ...................................... 100 58 2.00 3.20 5.00 8.00 10.00 42 –

Educational services ................................................. 100 71 4.00 5.00 7.00 10.00 10.00 29 –

Junior colleges, colleges, and universities ............ 100 60 5.00 6.00 8.00 10.00 10.50 40 –

Health care and social assistance ............................ 100 53 2.00 3.00 5.00 8.00 10.00 47 –

1 to 99 workers ................................................................. 100 71 3.00 3.00 4.00 8.00 10.00 29 2 ( )

1 to 49 workers ............................................................. 100 71 3.00 3.00 4.00 8.00 10.00 29 2 ( )

100 workers or more ......................................................... 100 62 – – – – – 36 2

100 to 499 workers ....................................................... 100 63 – – – – – 32 5

500 workers or more ..................................................... 100 60 – – – – – 40 –

Geographic area

Middle Atlantic ................................................................... 100 67 – – – – – 24 9

East North Central ............................................................ 100 53 2.00 3.00 3.00 5.00 8.00 47 –

West North Central ........................................................... 100 83 – – – – – – –

South Atlantic .................................................................... 100 68 2.00 3.00 4.00 5.00 8.00 32 –

West South Central ........................................................... 100 59 – – – – – – –

Pacific ............................................................................... 100 67 – – – – – 33 –

1 The categories are based on the average wage for each occupation surveyed, which may

include workers both above and below the threshold. The average wages are based on the

estimates published in the "National Compensation Survey: Occupational Earnings in the United

States, 2008." See Technical Note for more details. 2 Less than 0.5 percent.

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/glossary20092010.htm.
Table 32. Standard errors for money purchase pension plans: Employer contributions, private industry workers,

National Compensation Survey, 2009

Characteristics Fixed percent

of earnings

Fixed percent of earnings

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 4.1 – – – – – 4.1 1.4

Management, professional, and related ............................ 5.6 – – – – – 5.6 –

Management, business, and financial ........................... 7.3 – – – – – 7.3 –

Professional and related ............................................... 6.4 0.75 0.10 0.81 1.69 0.00 6.4 –

Service .............................................................................. 7.1 – – – – – 7.1 –

Sales and office ................................................................ 8.4 – – – – – 8.4 –

Office and administrative support ................................. 6.0 – – – – – 6.0 –

Natural resources, construction, and maintenance ........... – – – – – – 10.6 –

Construction, extraction, farming, fishing, and forestry – – – – – – 9.5 –

Installation, maintenance, and repair ............................ 9.2 – – – – – – –

Production, transportation, and material moving .............. 9.3 – – – – – – –

Production ..................................................................... 11.9 0.92 0.76 0.00 0.00 0.00 – –

Full time ............................................................................ 3.9 – – – – – 4.0 1.6

Part time ............................................................................ 12.7 – – – – – – –

Union ................................................................................. 6.6 – – – – – 11.0 6.4

Nonunion ........................................................................... 4.5 0.05 0.00 0.86 1.23 1.69 4.5 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 5.5 – – – – – – –

Second 25 percent ........................................................ 5.8 – – – – – 6.2 3.1

Third 25 percent ............................................................ 6.9 0.67 0.00 0.92 2.12 0.59 6.6 1.6

Highest 25 percent ........................................................ 4.9 – – – – – 5.0 0.3

Highest 10 percent .................................................... 6.2 – – – – – 6.2 –

Establishment characteristic

Goods-producing industries .............................................. 10.3 – – – – – 7.5 5.8

Manufacturing ............................................................... 12.0 – – – – – – –

Service-providing industries .............................................. 4.9 – – – – – 4.9 –

Education and health services ...................................... 6.6 0.63 0.85 1.16 1.70 0.00 6.6 –

Educational services ................................................. 4.4 1.53 0.90 0.93 1.12 0.00 4.4 –

Junior colleges, colleges, and universities ............ 3.9 0.00 0.00 0.37 0.00 1.79 3.9 –

Health care and social assistance ............................ 9.8 0.00 0.45 0.97 2.88 2.72 9.8 –

1 to 99 workers ................................................................. 6.8 0.00 0.00 1.46 1.36 0.96 6.8 0.3

1 to 49 workers ............................................................. 7.9 0.00 0.00 1.17 1.77 1.80 7.9 0.4

100 workers or more ......................................................... 4.7 – – – – – 5.1 2.1

100 to 499 workers ....................................................... 8.5 – – – – – 8.6 4.2

500 workers or more ..................................................... 5.2 – – – – – 5.2 –

Geographic area

Middle Atlantic ................................................................... 4.5 – – – – – 6.3 6.6

East North Central ............................................................ 11.1 0.00 0.55 0.36 0.65 2.96 11.1 –

West North Central ........................................................... 8.2 – – – – – – –

South Atlantic .................................................................... 9.6 0.92 0.36 1.10 0.53 0.48 9.6 –

West South Central ........................................................... 12.8 – – – – – – –

Pacific ............................................................................... 9.1 – – – – – 9.1 –

1 The categories are based on the average wage for each occupation surveyed, which

may include workers both above and below the threshold. The average wages are based

on the estimates published in the "National Compensation Survey: Occupational Earnings

in the United States, 2008." See Technical Note for more details.

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/glossary20092010.htm.
Employee Benefits Survey 

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 2009 data on detailed employer-provided health 

and retirement benefit plan provisions for private industry workers in the United States. Excluded from the 2009 

survey are Federal government workers, State and local government workers, the military, agricultural workers, 

private household workers, aircraft manufacturing 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 http://www.bls.gov/ncs/ebs. 

Calculation details 

For data presented by wage levels, average hourly earnings for occupations within an establishment were used 

to produce estimates for worker groups within six earnings groupings: 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. 

Individual workers can fall into an earnings category different from the average for the occupation into which 

they are classified. The breakouts are based on the average wage for each occupation surveyed, which may 

include workers both above and below the threshold. The categories are based on wages published in "National 

Compensation Survey: Occupational Earnings in the United States, 2008," U.S. Department of Labor, August 

2009, Bulletin 2720. Values corresponding to the percentiles used in the tables are: 

Characteristic 

Hourly wage percentile 

10 25 50 (median) 75 90 

Private industry workers $8.00 $10.50 $15.50 $24.22 $36.43 

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 partial 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 one of the tables, workers are classified as participating in four types of 
fee-for-service plans. Those workers that were known to be participating 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 are participating 

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 that make up the base of 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 

The set of workers on which estimates in the tables are based is indicated by the statement directly under each 

table’s title. 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.” 

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. 

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, for example, 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 are those that measure values 

other than the percent of workers. 

Survey response 

The 2009 survey included a sample of approximately 3,700 establishments. 

Obtaining additional information 

Information on the survey scope, sample design, data collection, survey estimation, and reliability of estimates, 

technical references, and survey definitions are available in Chapter 8 of the BLS Handbook of Methods, 

available online at: http://www.bls.gov/opub/hom/homch8_a.htm. 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, available online at: www.bls.gov/ncs/ebs/glossary20092010.htm.

Appendix table 1. Survey establishment response 

Appendix table 2. Numbers of workers represented 
Appendix table 1. Survey establishment response, private

industry, National Compensation Survey, 2009

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 5,064,030

 Total in sample .................................................................... 3,687

 Responding ........................................................................ 2,522

 Refused or unable to provide data ..................................... 825

 Out of business or not in survey scope .............................. 340

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 2007 North American

Industry Classification System (NAICS).

For private industries, an establishment is

usually a single physical location.
Appendix table 2. Number of workers1 represented, private

industry, National Compensation Survey, 2009

Occupational group2 Estimated number

of workers

All workers ............................................................................. 101,181,600

Management, professional, and related ............................ 24,946,000

Management, business, and financial ........................... 8,142,600

Professional and related ................................................ 16,803,400

Service ............................................................................... 21,762,600

Protective service .......................................................... 1,022,500

Sales and office ................................................................. 28,087,300

Sales and related ........................................................... 11,366,500

Office and administrative support .................................. 16,720,800

Natural resources, construction, and maintenance ........... 8,725,500

Construction, extraction, farming, fishing, and forestry .. 4,633,400

Installation, maintenance, and repair ............................. 4,092,100

Production, transportation, and material moving ............... 17,660,200

Production ...................................................................... 9,042,200

Transportation and material moving .............................. 8,618,000

1 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. 2 The 2000 Standard Occupational

Classification system is used to classify

workers.