Annual Bulletin on Benefit Plan Details 

National Compensation Survey: Health and Retirement Plan 

Provisions in Private Industry in the United States, 2012 

U.S. Department of Labor 

Thomas E. Perez, Secretary 

U.S. Bureau of Labor Statistics 

Erica L. Groshen, Commissioner 

December 2013 

Bulletin 2777 

Contents 

Overview 

Basic Provisions – Health Tables  Medical care benefits

 Non—high-deductible health plans 

 Fee-for-service plans 

 Health maintenance organizations

 High deductible health plans

 Outpatient prescription drug benefits 

Basic Provisions – Retirement Tables  Defined Benefit plans 

 Defined Contribution plans 

 Savings and thrift plans

Additional Provisions – Defined Contribution Plans Tables  Savings and thrift plans

 Deferred profit-sharing plans

 Money purchase pension plans 

Technical note 

Appendix table 1: Survey establishment response 

Appendix table 2: Number of workers represented 
Overview 

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

incidence of benefits, and detailed benefit provisions. This bulletin presents estimates of the detailed provisions 

of employer-provided health and retirement plans in private industry in 2012. 

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

bulletin published in September 2013 presented NCS data for civilian, state and local government, and private 

industry workers on access to and participation in selected benefits. The bulletin also presented detailed 

provisions of paid holidays, life insurance plans, and some other benefit plans. In addition, the bulletin 

presented information on employer and employee shares of contributions to medical care premiums and their 

average amounts. 

This bulletin presents detailed provisions of health plans and defined benefit and defined contribution retirement 

plans. Additional tables are included this year on defined contribution plans in private industry. 

Questions regarding NCS benefits data can be addressed by calling the information line at (202) 691–6199 or 

by emailing 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, 2012

(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 80 2 64 6 7 –

Management, professional, and related .................. 100 77 – 59 8 6 –

Management, business, and financial ................. 100 80 – 64 5 7 –

Professional and related ...................................... 100 75 3 55 11 6 –

Service ..................................................................... 100 87 – 67 7 12 –

Protective service ................................................ 100 – – 86 – – –

Sales and office ....................................................... 100 78 2 64 6 5 –

Sales and related ................................................. 100 80 – 70 – 4 –

Office and administrative support ........................ 100 77 – 62 7 6 –

Natural resources, construction, and maintenance 100 83 – 70 4 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 80 – 72 – – –

Installation, maintenance, and repair ................... 100 85 – 69 5 – –

Production, transportation, and material moving ..... 100 82 2 70 – 6 –

Production ............................................................ 100 80 – 66 – 9 –

Transportation and material moving .................... 100 85 4 76 – – –

Full time ................................................................... 100 79 2 64 7 7 –

Part time .................................................................. 100 84 – 70 – – –

Union ....................................................................... 100 82 5 69 3 – –

Nonunion ................................................................. 100 79 2 64 7 7 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 82 – 65 5 10 –

Second 25 percent ............................................... 100 84 2 71 6 6 –

Third 25 percent ................................................... 100 76 1 63 6 6 –

Highest 25 percent ............................................... 100 79 – 61 7 7 –

Highest 10 percent ........................................... 100 81 3 65 6 7 –

Establishment characteristic

Goods-producing industries ..................................... 100 81 1 71 3 6 –

Construction ......................................................... 100 81 – 75 – – –

Manufacturing ...................................................... 100 80 – 68 4 – –

Service-providing industries ..................................... 100 79 3 62 7 7 –

Trade, transportation, and utilities ....................... 100 80 4 71 – 4 –

Wholesale trade ............................................... 100 72 – 58 – – –

Retail trade ...................................................... 100 81 – 73 – – –

Information ........................................................... 100 78 – 55 – – –

Financial activities ................................................ 100 83 – 69 6 6 –

Finance and insurance .................................... 100 86 – 74 – 7 –

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

Compensation Survey, 2012—Continued

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

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristic

All workers ............................................................... 20 15 5 –

Management, professional, and related .................. 23 17 6 –

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

Professional and related ...................................... 25 17 8 –

Service ..................................................................... 13 8 – –

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

Sales and office ....................................................... 22 18 4 –

Sales and related ................................................. 20 17 – –

Office and administrative support ........................ 23 19 4 –

Natural resources, construction, and maintenance 17 13 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 20 – – –

Installation, maintenance, and repair ................... 15 12 – –

Production, transportation, and material moving ..... 18 13 5 –

Production ............................................................ 20 16 – –

Transportation and material moving .................... 15 10 – –

Full time ................................................................... 21 16 5 –

Part time .................................................................. 16 12 – –

Union ....................................................................... 18 16 – –

Nonunion ................................................................. 21 15 5 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 18 13 – –

Second 25 percent ............................................... 16 12 4 –

Third 25 percent ................................................... 24 18 6 –

Highest 25 percent ............................................... 21 17 5 –

Highest 10 percent ........................................... 19 14 4 –

Establishment characteristic

Goods-producing industries ..................................... 19 14 – –

Construction ......................................................... 19 15 – –

Manufacturing ...................................................... 20 14 – –

Service-providing industries ..................................... 21 16 5 –

Trade, transportation, and utilities ....................... 20 16 4 –

Wholesale trade ............................................... 28 20 – –

Retail trade ...................................................... 19 16 – –

Information ........................................................... 22 19 – –

Financial activities ................................................ 17 12 – –

Finance and insurance .................................... 14 10 4 –

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

2012—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

Credit intermediation and related activities .. 100 84 – 72 – 10 –

Insurance carriers and related activities ...... 100 – – 77 – – –

Professional and business services ..................... 100 81 – 64 – – –

Education and health services ............................. 100 72 – 48 17 6 –

Educational services ........................................ 100 56 – 44 6 – –

Junior colleges, colleges, and universities ... 100 66 – 53 8 5 –

Healthcare and social assistance .................... 100 75 – 49 19 6 –

1 to 99 workers ........................................................ 100 78 – 65 4 8 –

1 to 49 workers .................................................... 100 79 – 66 4 6 –

50 to 99 workers .................................................. 100 78 – 61 – 13 –

100 workers or more ................................................ 100 81 3 64 8 6 –

100 to 499 workers .............................................. 100 80 3 69 4 5 –

500 workers or more ............................................ 100 81 3 58 14 7 –

Geographic area

New England ........................................................... 100 66 – 49 – 11 –

Middle Atlantic ......................................................... 100 74 3 55 7 9 –

East North Central ................................................... 100 84 – 70 8 – –

West North Central .................................................. 100 – – 76 – 6 –

South Atlantic ........................................................... 100 82 – 62 9 6 –

East South Central ................................................... 100 96 – 80 3 – –

West South Central .................................................. 100 – – 81 4 6 –

Mountain .................................................................. 100 74 – 56 – – –

Pacific ...................................................................... 100 67 – 57 4 4 –

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

Compensation Survey, 2012—Continued

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

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Credit intermediation and related activities .. 16 12 – –

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

Professional and business services ..................... 19 15 – –

Education and health services ............................. 28 19 – –

Educational services ........................................ 44 35 9 –

Junior colleges, colleges, and universities ... 34 21 13 –

Healthcare and social assistance .................... 25 17 – –

1 to 99 workers ........................................................ 22 17 – –

1 to 49 workers .................................................... 21 17 4 –

50 to 99 workers .................................................. 22 16 – –

100 workers or more ................................................ 19 14 5 –

100 to 499 workers .............................................. 20 13 – –

500 workers or more ............................................ 19 15 4 –

Geographic area

New England ........................................................... 34 25 – –

Middle Atlantic ......................................................... 26 – 15 –

East North Central ................................................... 16 14 – –

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

South Atlantic ........................................................... 18 17 2 –

East South Central ................................................... 4 – – –

West South Central .................................................. – 4 – –

Mountain .................................................................. 26 21 – –

Pacific ...................................................................... 33 30 – –

1 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2012

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

Worker characteristic

All workers ............................................................... 1.5 0.5 1.7 0.7 0.7 –

Management, professional, and related .................. 2.0 – 2.6 1.2 0.9 –

Management, business, and financial ................. 2.3 – 3.2 1.1 1.1 –

Professional and related ...................................... 3.0 0.8 3.4 1.5 1.2 –

Service ..................................................................... 2.5 – 5.3 1.5 3.3 –

Protective service ................................................ – – 6.2 – – –

Sales and office ....................................................... 2.9 0.5 2.6 1.2 0.8 –

Sales and related ................................................. 3.5 – 3.5 – 0.9 –

Office and administrative support ........................ 2.9 – 2.5 1.2 0.9 –

Natural resources, construction, and maintenance 3.2 – 4.2 1.3 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 5.2 – 5.5 – – –

Installation, maintenance, and repair ................... 3.5 – 5.8 1.4 – –

Production, transportation, and material moving ..... 2.2 0.4 2.5 – 1.5 –

Production ............................................................ 2.7 – 3.4 – 2.4 –

Transportation and material moving .................... 2.7 0.8 3.0 – – –

Full time ................................................................... 1.6 0.5 1.8 0.7 0.8 –

Part time .................................................................. 2.4 – 3.2 – – –

Union ....................................................................... 2.5 1.3 2.9 0.6 – –

Nonunion ................................................................. 1.6 0.6 1.9 0.8 0.8 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 2.7 – 3.6 1.3 2.7 –

Second 25 percent ............................................... 1.8 0.4 2.5 0.8 1.2 –

Third 25 percent ................................................... 3.0 0.3 2.8 0.9 1.1 –

Highest 25 percent ............................................... 1.5 – 2.2 1.1 0.8 –

Highest 10 percent ........................................... 2.2 0.9 2.5 1.4 1.2 –

Establishment characteristic

Goods-producing industries ..................................... 2.1 0.4 2.4 0.8 1.6 –

Construction ......................................................... 4.7 – 5.1 – – –

Manufacturing ...................................................... 2.6 – 2.9 1.0 – –

Service-providing industries ..................................... 1.8 0.7 2.0 0.9 0.9 –

Trade, transportation, and utilities ....................... 2.8 0.7 2.9 – 1.0 –

Wholesale trade ............................................... 5.8 – 5.8 – – –

Retail trade ...................................................... 3.2 – 3.4 – – –

Information ........................................................... 5.6 – 7.6 – – –

Financial activities ................................................ 2.7 – 3.1 1.7 1.4 –

Finance and insurance .................................... 1.8 – 2.5 – 1.6 –

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

workers, National Compensation Survey, 2012—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristic

All workers ............................................................... 1.5 1.2 0.7 –

Management, professional, and related .................. 2.0 1.4 1.5 –

Management, business, and financial ................. 2.3 2.0 – –

Professional and related ...................................... 3.0 2.1 2.2 –

Service ..................................................................... 2.5 1.9 – –

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

Sales and office ....................................................... 2.9 2.6 0.6 –

Sales and related ................................................. 3.5 3.0 – –

Office and administrative support ........................ 2.9 2.8 0.5 –

Natural resources, construction, and maintenance 3.2 2.9 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 5.2 – – –

Installation, maintenance, and repair ................... 3.5 3.2 – –

Production, transportation, and material moving ..... 2.2 2.0 1.0 –

Production ............................................................ 2.7 2.8 – –

Transportation and material moving .................... 2.7 2.1 – –

Full time ................................................................... 1.6 1.3 0.7 –

Part time .................................................................. 2.4 2.1 – –

Union ....................................................................... 2.5 2.5 – –

Nonunion ................................................................. 1.6 1.2 0.7 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 2.7 1.9 – –

Second 25 percent ............................................... 1.8 1.7 0.6 –

Third 25 percent ................................................... 3.0 2.2 1.3 –

Highest 25 percent ............................................... 1.5 1.2 0.9 –

Highest 10 percent ........................................... 2.2 2.0 1.2 –

Establishment characteristic

Goods-producing industries ..................................... 2.1 1.8 – –

Construction ......................................................... 4.7 4.5 – –

Manufacturing ...................................................... 2.6 2.3 – –

Service-providing industries ..................................... 1.8 1.3 0.9 –

Trade, transportation, and utilities ....................... 2.8 2.3 1.2 –

Wholesale trade ............................................... 5.8 5.5 – –

Retail trade ...................................................... 3.2 2.7 – –

Information ........................................................... 5.6 5.8 – –

Financial activities ................................................ 2.7 1.6 – –

Finance and insurance .................................... 1.8 1.5 1.0 –

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

Compensation Survey, 2012—Continued

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

Credit intermediation and related activities .. 2.4 – 3.1 – 2.6 –

Insurance carriers and related activities ...... – – 5.0 – – –

Professional and business services ..................... 3.5 – 4.6 – – –

Education and health services ............................. 3.3 – 4.6 2.3 1.2 –

Educational services ........................................ 4.3 – 3.9 0.8 – –

Junior colleges, colleges, and universities ... 3.4 – 4.5 1.3 0.9 –

Healthcare and social assistance .................... 3.9 – 5.2 2.7 1.4 –

1 to 99 workers ........................................................ 3.0 – 3.1 0.9 1.8 –

1 to 49 workers .................................................... 3.1 – 3.7 1.2 1.4 –

50 to 99 workers .................................................. 4.2 – 4.1 – 3.9 –

100 workers or more ................................................ 1.5 0.5 1.6 0.9 0.8 –

100 to 499 workers .............................................. 2.3 0.9 2.5 0.9 1.2 –

500 workers or more ............................................ 1.7 0.5 2.0 1.6 1.1 –

Geographic area

New England ........................................................... 3.8 – 4.3 – 2.7 –

Middle Atlantic ......................................................... 5.4 0.7 2.0 1.5 2.7 –

East North Central ................................................... 3.1 – 4.6 1.8 – –

West North Central .................................................. – – 7.5 – 1.6 –

South Atlantic ........................................................... 2.0 – 3.9 2.1 1.6 –

East South Central ................................................... 0.8 – 5.3 0.9 – –

West South Central .................................................. – – 3.3 1.1 1.6 –

Mountain .................................................................. 6.8 – 7.2 – – –

Pacific ...................................................................... 5.2 – 5.0 0.8 0.8 –

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

workers, National Compensation Survey, 2012—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Credit intermediation and related activities .. 2.4 1.7 – –

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

Professional and business services ..................... 3.5 2.5 – –

Education and health services ............................. 3.3 3.1 – –

Educational services ........................................ 4.3 4.2 1.5 –

Junior colleges, colleges, and universities ... 3.4 2.6 1.7 –

Healthcare and social assistance .................... 3.9 3.5 – –

1 to 99 workers ........................................................ 3.0 2.0 – –

1 to 49 workers .................................................... 3.1 2.4 1.2 –

50 to 99 workers .................................................. 4.2 3.0 – –

100 workers or more ................................................ 1.5 1.3 1.2 –

100 to 499 workers .............................................. 2.3 1.9 – –

500 workers or more ............................................ 1.7 1.4 0.7 –

Geographic area

New England ........................................................... 3.8 2.0 – –

Middle Atlantic ......................................................... 5.4 – 2.7 –

East North Central ................................................... 3.1 2.9 – –

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

South Atlantic ........................................................... 2.0 2.0 0.4 –

East South Central ................................................... 0.8 – – –

West South Central .................................................. – 1.0 – –

Mountain .................................................................. 6.8 5.4 – –

Pacific ...................................................................... 5.2 4.3 – –

1 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the

National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2012

(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 ............................................................... 98 2 – 76 24 – 30 70 –

Management, professional, and related .................. 97 – – 74 26 – 35 65 –

Management, business, and financial ................. 96 – – 73 27 – 28 72 –

Professional and related ...................................... 97 3 – 74 26 – 40 60 –

Service ..................................................................... 99 – – 79 21 – 30 70 –

Protective service ................................................ 98 – – 89 – – – 89 –

Sales and office ....................................................... 98 2 – 74 26 – 31 69 –

Sales and related ................................................. 97 – – 77 23 – 25 75 –

Office and administrative support ........................ 98 – – 73 27 – 33 67 –

Natural resources, construction, and maintenance 98 – – 79 21 – 22 78 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 98 – – 80 20 – 24 76 –

Installation, maintenance, and repair ................... 98 – – 77 23 – 21 79 –

Production, transportation, and material moving ..... 98 2 – 78 22 – 25 75 –

Production ............................................................ 99 – – 75 25 – 30 70 –

Transportation and material moving .................... 96 4 – 84 16 – 18 82 –

Full time ................................................................... 98 2 – 75 25 – 31 69 –

Part time .................................................................. 94 – – 79 21 – 24 76 –

Union ....................................................................... 95 5 – 75 25 – 22 78 –

Nonunion ................................................................. 98 2 – 76 24 – 32 68 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 97 – – 74 26 – 31 69 –

Second 25 percent ............................................... 98 2 – 81 19 – 25 75 –

Third 25 percent ................................................... 99 1 – 75 25 – 33 67 –

Highest 25 percent ............................................... 96 – – 73 27 – 32 68 –

Highest 10 percent ........................................... 97 3 – 76 24 – 29 71 –

Establishment characteristic

Goods-producing industries ..................................... 99 1 – 79 21 – 26 74 –

Construction ......................................................... 99 – – 80 20 – 23 77 –

Manufacturing ...................................................... 99 – – 77 23 – 29 71 –

Service-providing industries ..................................... 97 3 – 75 25 – 32 68 –

Trade, transportation, and utilities ....................... 96 4 – 76 24 – 22 78 –

Wholesale trade ............................................... 99 – – 69 31 – 32 68 –

Retail trade ...................................................... 95 – – 78 22 – 21 79 –

Information ........................................................... 97 – – 64 36 – 28 72 –

Financial activities ................................................ 99 – – 80 20 – 28 72 –

Finance and insurance .................................... 99 – – 82 18 – 24 76 –

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

2012—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

Credit intermediation and related activities .. 99 – – 77 23 – 25 75 –

Insurance carriers and related activities ...... 100 – – 86 14 – 21 79 –

Professional and business services ..................... 95 – – 75 25 – 28 72 –

Education and health services ............................. 99 – – 74 26 – 49 51 –

Educational services ........................................ 100 – – 59 41 – 52 48 –

Junior colleges, colleges, and universities ... 100 – – 74 26 – 45 55 –

Healthcare and social assistance .................... 99 – – 76 24 – 48 52 –

1 to 99 workers ........................................................ 98 – – 73 27 – 30 70 –

1 to 49 workers .................................................... 98 – – 75 25 – 28 72 –

50 to 99 workers .................................................. 99 – – 70 30 – 36 64 –

100 workers or more ................................................ 97 3 – 77 23 – 30 70 –

100 to 499 workers .............................................. 97 3 – 79 21 – 26 74 –

500 workers or more ............................................ 97 3 – 76 24 – 36 64 –

Geographic area

New England ........................................................... 99 – – 63 37 – 41 59 –

Middle Atlantic ......................................................... 97 3 – 76 24 – 39 61 –

East North Central ................................................... 99 – – 80 20 – 27 73 –

West North Central .................................................. 99 – – 87 – – – 80 –

South Atlantic ........................................................... 94 – – 72 28 – 29 71 –

East South Central ................................................... 97 – – 84 – – 15 85 –

West South Central .................................................. 98 – – 89 11 – 15 85 –

Mountain .................................................................. 99 – – 70 30 – 41 59 –

Pacific ...................................................................... 98 – – 64 36 – 40 60 –

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation

Survey, 2012

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 – 1.6 1.6 –

Management, professional, and related .................. 1.3 – – 2.3 2.3 – 2.5 2.5 –

Management, business, and financial ................. 2.9 – – 3.1 3.1 – 2.8 2.8 –

Professional and related ...................................... 0.8 0.8 – 2.6 2.6 – 3.4 3.4 –

Service ..................................................................... 0.5 – – 3.8 3.8 – 5.3 5.3 –

Protective service ................................................ 2.0 – – 5.0 – – – 5.7 –

Sales and office ....................................................... 0.5 0.5 – 2.5 2.5 – 2.6 2.6 –

Sales and related ................................................. 0.9 – – 3.3 3.3 – 3.2 3.2 –

Office and administrative support ........................ 0.5 – – 2.6 2.6 – 2.8 2.8 –

Natural resources, construction, and maintenance 1.0 – – 3.6 3.6 – 3.3 3.3 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.1 – – 4.8 4.8 – 5.5 5.5 –

Installation, maintenance, and repair ................... 1.6 – – 4.8 4.8 – 3.6 3.6 –

Production, transportation, and material moving ..... 0.4 0.4 – 2.4 2.4 – 2.6 2.6 –

Production ............................................................ 0.5 – – 3.4 3.4 – 3.4 3.4 –

Transportation and material moving .................... 0.8 0.8 – 2.5 2.5 – 2.9 2.9 –

Full time ................................................................... 0.5 0.5 – 1.5 1.5 – 1.7 1.7 –

Part time .................................................................. 1.8 – – 2.7 2.7 – 3.1 3.1 –

Union ....................................................................... 1.3 1.3 – 2.7 2.7 – 2.7 2.7 –

Nonunion ................................................................. 0.6 0.6 – 1.5 1.5 – 1.7 1.7 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 1.0 – – 3.0 3.0 – 3.5 3.5 –

Second 25 percent ............................................... 0.4 0.4 – 1.9 1.9 – 2.3 2.3 –

Third 25 percent ................................................... 0.3 0.3 – 2.2 2.2 – 2.8 2.8 –

Highest 25 percent ............................................... 1.3 – – 2.1 2.1 – 1.8 1.8 –

Highest 10 percent ........................................... 0.9 0.9 – 2.4 2.4 – 2.5 2.5 –

Establishment characteristic

Goods-producing industries ..................................... 0.4 0.4 – 2.3 2.3 – 2.5 2.5 –

Construction ......................................................... 0.9 – – 4.7 4.7 – 5.0 5.0 –

Manufacturing ...................................................... 0.4 – – 2.9 2.9 – 3.0 3.0 –

Service-providing industries ..................................... 0.7 0.7 – 1.7 1.7 – 1.9 1.9 –

Trade, transportation, and utilities ....................... 0.7 0.7 – 2.4 2.4 – 2.8 2.8 –

Wholesale trade ............................................... 0.5 – – 5.5 5.5 – 5.8 5.8 –

Retail trade ...................................................... 1.6 – – 3.0 3.0 – 3.1 3.1 –

Information ........................................................... 2.2 – – 6.9 6.9 – 6.0 6.0 –

Financial activities ................................................ 0.4 – – 2.2 2.2 – 3.2 3.2 –

Finance and insurance .................................... 0.2 – – 2.2 2.2 – 2.6 2.6 –

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

Survey, 2012—Continued

Characteristics

Plan network Allow non-emergency services outside

network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 0.4 – – 2.9 2.9 – 3.0 3.0 –

Insurance carriers and related activities ...... 0.2 – – 3.9 3.9 – 5.0 5.0 –

Professional and business services ..................... 2.6 – – 3.9 3.9 – 4.6 4.6 –

Education and health services ............................. 0.3 – – 3.8 3.8 – 4.5 4.5 –

Educational services ........................................ 0.1 – – 4.0 4.0 – 4.1 4.1 –

Junior colleges, colleges, and universities ... 0.1 – – 3.0 3.0 – 4.2 4.2 –

Healthcare and social assistance .................... 0.4 – – 4.0 4.0 – 5.1 5.1 –

1 to 99 workers ........................................................ 1.0 – – 2.8 2.8 – 2.5 2.5 –

1 to 49 workers .................................................... 1.3 – – 3.3 3.3 – 3.1 3.1 –

50 to 99 workers .................................................. 0.2 – – 4.9 4.9 – 4.1 4.1 –

100 workers or more ................................................ 0.5 0.5 – 1.5 1.5 – 1.7 1.7 –

100 to 499 workers .............................................. 0.9 0.9 – 2.2 2.2 – 2.5 2.5 –

500 workers or more ............................................ 0.5 0.5 – 1.8 1.8 – 2.0 2.0 –

Geographic area

New England ........................................................... 0.8 – – 1.8 1.8 – 3.1 3.1 –

Middle Atlantic ......................................................... 0.7 0.7 – 1.8 1.8 – 2.8 2.8 –

East North Central ................................................... 0.7 – – 3.6 3.6 – 4.1 4.1 –

West North Central .................................................. 0.5 – – 4.4 – – – 6.7 –

South Atlantic ........................................................... 2.5 – – 4.1 4.1 – 3.5 3.5 –

East South Central ................................................... 1.3 – – 5.9 – – 4.3 4.3 –

West South Central .................................................. 0.6 – – 2.1 2.1 – 3.3 3.3 –

Mountain .................................................................. 0.4 – – 5.8 5.8 – 7.3 7.3 –

Pacific ...................................................................... 0.9 – – 4.1 4.1 – 5.5 5.5 –

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 3. Medical care benefits: High deductible and

non–high-deductible health plans,1

 private industry workers,

National Compensation Survey, 2012

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

Characteristics High deductible

health plans

Non–high-deductible

health plans

Worker characteristic

All workers ............................................................... 27 73

Management, professional, and related .................. 26 73

Management, business, and financial ................. 30 69

Professional and related ...................................... 23 76

Service ..................................................................... 24 76

Protective service ................................................ – 92

Sales and office ....................................................... 31 69

Sales and related ................................................. 33 66

Office and administrative support ........................ 29 70

Natural resources, construction, and maintenance 27 72

Construction, extraction, farming, fishing, and

forestry ............................................................... 19 81

Installation, maintenance, and repair ................... 33 66

Production, transportation, and material moving ..... 23 77

Production ............................................................ 27 73

Transportation and material moving .................... 18 82

Full time ................................................................... 27 73

Part time .................................................................. 24 75

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

Nonunion ................................................................. 30 70

Average wage within the following categories:2

Lowest 25 percent ............................................... 31 68

Second 25 percent ............................................... 28 72

Third 25 percent ................................................... 27 73

Highest 25 percent ............................................... 24 75

Highest 10 percent ........................................... 25 74

Establishment characteristic

Goods-producing industries ..................................... 26 74

Construction ......................................................... 24 76

Manufacturing ...................................................... 26 74

Service-providing industries ..................................... 27 72

Trade, transportation, and utilities ....................... 27 72

Wholesale trade ............................................... 27 73

Retail trade ...................................................... 36 64

Information ........................................................... 24 70

Financial activities ................................................ 34 64

Finance and insurance .................................... 33 65

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

non–high-deductible health plans,1

 private industry workers,

National Compensation Survey, 2012—Continued

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

Characteristics High deductible

health plans

Non–high-deductible

health plans

Credit intermediation and related activities .. 30 69

Insurance carriers and related activities ...... 38 62

Professional and business services ..................... 30 69

Education and health services ............................. 22 78

Educational services ........................................ – 93

Junior colleges, colleges, and universities ... – 91

Healthcare and social assistance .................... 25 75

1 to 99 workers ........................................................ 35 65

1 to 49 workers .................................................... 36 63

50 to 99 workers .................................................. 31 68

100 workers or more ................................................ 20 79

100 to 499 workers .............................................. 24 76

500 workers or more ............................................ 16 84

Geographic area

New England ........................................................... 23 76

Middle Atlantic ......................................................... 15 84

East North Central ................................................... 32 68

West North Central .................................................. 35 64

South Atlantic ........................................................... 22 77

East South Central ................................................... 25 74

West South Central .................................................. 35 65

Mountain .................................................................. 32 68

Pacific ...................................................................... 27 73

1 The sum of the columns may not equal 100

since only plans with fixed, variable, or no

deductibles are included. Plans with other

deductible formulas are not included. 2 Surveyed occupations are classified into

wage categories based on the average wage for

the occupation, which may include workers with

earnings both above and below the threshold. The

categories were formed using percentile estimates

generated using data from the National

Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 3. Standard errors for medical care benefits: High deductible

and non–high-deductible health plans, private industry workers,

National Compensation Survey, 2012

Characteristics High deductible

health plans

Non–high-deductible

health plans

Worker characteristic

All workers ............................................................... 1.3 1.3

Management, professional, and related .................. 2.2 2.3

Management, business, and financial ................. 3.5 3.7

Professional and related ...................................... 2.4 2.4

Service ..................................................................... 4.2 4.2

Protective service ................................................ – 3.9

Sales and office ....................................................... 1.8 1.7

Sales and related ................................................. 3.2 3.2

Office and administrative support ........................ 2.0 2.0

Natural resources, construction, and maintenance 5.2 5.2

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.5 4.5

Installation, maintenance, and repair ................... 8.0 7.9

Production, transportation, and material moving ..... 2.1 2.1

Production ............................................................ 3.1 3.1

Transportation and material moving .................... 2.4 2.4

Full time ................................................................... 1.3 1.3

Part time .................................................................. 3.2 3.3

Union ....................................................................... 1.8 1.8

Nonunion ................................................................. 1.4 1.4

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.1 3.1

Second 25 percent ............................................... 2.3 2.4

Third 25 percent ................................................... 2.3 2.3

Highest 25 percent ............................................... 2.2 2.3

Highest 10 percent ........................................... 2.7 3.0

Establishment characteristic

Goods-producing industries ..................................... 2.6 2.6

Construction ......................................................... 4.5 4.5

Manufacturing ...................................................... 2.9 2.9

Service-providing industries ..................................... 1.6 1.6

Trade, transportation, and utilities ....................... 2.1 2.2

Wholesale trade ............................................... 4.2 4.2

Retail trade ...................................................... 2.9 2.9

Information ........................................................... 5.8 6.5

Financial activities ................................................ 3.2 3.3

Finance and insurance .................................... 3.9 4.0

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

and non–high-deductible health plans, private industry workers,

National Compensation Survey, 2012—Continued

Characteristics High deductible

health plans

Non–high-deductible

health plans

Credit intermediation and related activities .. 3.7 3.7

Insurance carriers and related activities ...... 7.8 7.8

Professional and business services ..................... 3.7 3.7

Education and health services ............................. 3.7 3.7

Educational services ........................................ – 2.6

Junior colleges, colleges, and universities ... – 3.2

Healthcare and social assistance .................... 4.3 4.3

1 to 99 workers ........................................................ 2.3 2.3

1 to 49 workers .................................................... 2.6 2.6

50 to 99 workers .................................................. 3.7 3.6

100 workers or more ................................................ 1.5 1.5

100 to 499 workers .............................................. 2.2 2.2

500 workers or more ............................................ 1.7 1.7

Geographic area

New England ........................................................... 6.1 6.0

Middle Atlantic ......................................................... 1.7 1.8

East North Central ................................................... 4.2 4.2

West North Central .................................................. 5.7 5.4

South Atlantic ........................................................... 2.9 3.2

East South Central ................................................... 5.2 5.2

West South Central .................................................. 3.9 3.9

Mountain .................................................................. 4.6 4.6

Pacific ...................................................................... 2.6 2.6

1 Surveyed occupations are classified into

wage categories based on the average wage for

the occupation, which may include workers with

earnings both above and below the threshold. The

categories were formed using percentile estimates

generated using data from the National

Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 4. Non–high-deductible health plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2012

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

Characteristics Total With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 80 $200 $250 $500 $750 $1,000 20

Management, professional, and related .................. 100 79 200 300 500 750 1,000 21

Management, business, and financial ................. 100 78 200 250 500 750 1,000 22

Professional and related ...................................... 100 81 200 300 500 750 1,000 19

Service ..................................................................... 100 81 200 250 500 1,000 1,000 19

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

Sales and office ....................................................... 100 78 200 300 500 750 1,000 22

Sales and related ................................................. 100 82 250 300 500 850 1,000 18

Office and administrative support ........................ 100 76 – 300 500 600 1,000 24

Natural resources, construction, and maintenance 100 80 200 250 400 550 1,000 20

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 81 200 250 300 – 1,000 19

Installation, maintenance, and repair ................... 100 79 200 300 500 600 1,000 21

Production, transportation, and material moving ..... 100 85 150 250 500 750 1,000 15

Production ............................................................ 100 81 – 300 500 750 1,000 19

Transportation and material moving .................... 100 89 – 250 500 600 1,000 11

Full time ................................................................... 100 80 200 300 500 750 1,000 20

Part time .................................................................. 100 84 – 250 300 500 1,000 16

Union ....................................................................... 100 80 100 200 300 500 1,000 20

Nonunion ................................................................. 100 80 200 300 500 750 1,000 20

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 80 200 250 500 600 1,000 20

Second 25 percent ............................................... 100 84 200 300 500 – 1,000 16

Third 25 percent ................................................... 100 80 – 300 500 750 1,000 20

Highest 25 percent ............................................... 100 78 200 250 500 750 1,000 22

Highest 10 percent ........................................... 100 82 200 250 500 600 1,000 18

Establishment characteristic

Goods-producing industries ..................................... 100 83 200 250 500 750 1,000 17

Construction ......................................................... 100 81 200 250 500 – 1,000 19

Manufacturing ...................................................... 100 83 – 250 500 750 1,000 17

Service-providing industries ..................................... 100 79 200 250 500 750 1,000 21

Trade, transportation, and utilities ....................... 100 83 – 250 400 – 1,000 17

Wholesale trade ............................................... 100 71 250 300 – 575 1,000 29

Retail trade ...................................................... 100 84 250 300 500 750 1,000 16

Transportation and warehousing ..................... 100 98 100 – 350 – 1,000 2

Utilities ............................................................. 100 – – – – – – –

Information ........................................................... 100 57 100 – – – 1,000 43

Financial activities ................................................ 100 81 250 350 500 1,000 1,000 19

Finance and insurance .................................... 100 80 250 350 500 1,000 1,000 20

See footnotes at end of table.
Table 4. Non–high-deductible health plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2012—Continued

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

Characteristics Total With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 100 78 $250 – – $1,000 $1,000 22

Insurance carriers and related activities ...... 100 81 – $350 $500 – 1,000 19

Professional and business services ..................... 100 80 230 300 500 1,000 1,000 20

Professional and technical services ................. 100 77 230 300 500 – 1,000 23

Education and health services ............................. 100 79 200 300 500 750 1,000 21

Educational services ........................................ 100 61 250 300 500 500 1,000 39

Junior colleges, colleges, and universities ... 100 71 – 250 400 – 1,000 29

Healthcare and social assistance .................... 100 82 200 300 500 750 1,000 18

Leisure and hospitality ......................................... 100 – – – – – – –

Accommodation and food services .................. 100 – – – – – – –

Other services ...................................................... 100 – – – – – – –

1 to 99 workers ........................................................ 100 78 250 400 500 1,000 1,000 22

1 to 49 workers .................................................... 100 81 250 400 500 1,000 1,000 19

50 to 99 workers .................................................. 100 72 – 450 500 1,000 1,000 28

100 workers or more ................................................ 100 81 150 250 400 575 1,000 19

100 to 499 workers .............................................. 100 84 – 250 500 600 1,000 16

500 workers or more ............................................ 100 79 – 250 300 500 1,000 21

Geographic area

New England ........................................................... 100 71 – 300 500 – 1,000 29

Middle Atlantic ......................................................... 100 80 200 250 500 750 1,000 20

East North Central ................................................... 100 81 200 300 500 750 1,000 19

West North Central .................................................. 100 92 150 250 500 – 1,000 8

South Atlantic ........................................................... 100 81 200 300 500 – 1,000 19

East South Central ................................................... 100 – – – – – – –

West South Central .................................................. 100 91 200 300 500 750 1,000 9

Mountain .................................................................. 100 76 100 250 500 500 – 24

Pacific ...................................................................... 100 65 – 250 – 750 1,000 35

1 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from

the National Compensation Survey publication, "Employer Costs for Employee Compensation

- March 2012."

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/glossary20122013.htm.
Table 4. Standard errors for non–high-deductible health plans: Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2012

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.3 $0 $28 $0 $0 $0 1.3

Management, professional, and related .................. 2.1 0 67 0 24 0 2.1

Management, business, and financial ................. 4.0 10 56 28 64 0 4.0

Professional and related ...................................... 2.3 0 60 0 37 0 2.3

Service ..................................................................... 4.0 24 10 34 266 0 4.0

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

Sales and office ....................................................... 2.2 14 18 0 26 0 2.2

Sales and related ................................................. 3.4 51 0 17 123 0 3.4

Office and administrative support ........................ 2.3 – 70 0 130 0 2.3

Natural resources, construction, and maintenance 3.8 0 17 76 129 0 3.8

Construction, extraction, farming, fishing, and

forestry ............................................................... 5.1 0 42 59 – 0 5.1

Installation, maintenance, and repair ................... 5.4 48 0 112 128 0 5.4

Production, transportation, and material moving ..... 2.3 20 51 0 80 0 2.3

Production ............................................................ 3.3 – 43 0 45 0 3.3

Transportation and material moving .................... 2.5 – 20 26 157 89 2.5

Full time ................................................................... 1.4 0 74 0 0 0 1.4

Part time .................................................................. 2.7 – 51 0 55 78 2.7

Union ....................................................................... 2.5 24 25 62 44 60 2.5

Nonunion ................................................................. 1.4 0 0 0 0 0 1.4

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.9 56 0 120 169 0 3.9

Second 25 percent ............................................... 2.1 46 26 0 – 0 2.1

Third 25 percent ................................................... 2.0 – 68 0 64 0 2.0

Highest 25 percent ............................................... 1.9 0 20 83 142 0 1.9

Highest 10 percent ........................................... 2.2 14 29 75 161 0 2.2

Establishment characteristic

Goods-producing industries ..................................... 2.3 38 17 0 0 0 2.3

Construction ......................................................... 4.9 10 20 66 – 0 4.9

Manufacturing ...................................................... 3.0 – 30 0 0 0 3.0

Service-providing industries ..................................... 1.3 0 51 0 0 0 1.3

Trade, transportation, and utilities ....................... 2.5 – 37 104 – 0 2.5

Wholesale trade ............................................... 6.8 29 0 – 53 69 6.8

Retail trade ...................................................... 2.7 66 41 26 177 0 2.7

Transportation and warehousing ..................... 0.4 0 – 56 – 194 0.4

Utilities ............................................................. – – – – – – –

Information ........................................................... 8.1 0 – – – 0 8.1

Financial activities ................................................ 2.4 53 59 0 296 0 2.4

Finance and insurance .................................... 2.5 31 57 0 284 0 2.5

See footnotes at end of table.
Table 4. Standard errors for non–high-deductible health plans: Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2012—Continued

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 3.5 $68 – – $177 $0 3.5

Insurance carriers and related activities ...... 4.9 – $73 $34 – 0 4.9

Professional and business services ..................... 4.0 40 71 0 132 0 4.0

Professional and technical services ................. 5.8 43 73 137 – 0 5.8

Education and health services ............................. 2.7 20 45 0 146 0 2.7

Educational services ........................................ 4.5 28 35 75 0 255 4.5

Junior colleges, colleges, and universities ... 2.9 – 10 85 – 85 2.9

Healthcare and social assistance .................... 2.6 31 73 0 106 0 2.6

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

Accommodation and food services .................. – – – – – – –

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

1 to 99 workers ........................................................ 2.9 0 75 0 0 0 2.9

1 to 49 workers .................................................... 3.1 17 93 20 0 0 3.1

50 to 99 workers .................................................. 5.8 – 120 52 118 0 5.8

100 workers or more ................................................ 1.5 20 0 67 57 31 1.5

100 to 499 workers .............................................. 1.9 – 14 53 21 50 1.9

500 workers or more ............................................ 1.9 – 57 10 24 157 1.9

Geographic area

New England ........................................................... 5.9 – 52 133 – 0 5.9

Middle Atlantic ......................................................... 3.0 35 28 93 112 0 3.0

East North Central ................................................... 3.7 56 65 10 184 0 3.7

West North Central .................................................. 2.1 34 37 107 – 0 2.1

South Atlantic ........................................................... 3.2 55 61 0 – 0 3.2

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

West South Central .................................................. 2.2 33 34 0 88 0 2.2

Mountain .................................................................. 7.0 14 42 119 0 – 7.0

Pacific ...................................................................... 4.2 – 50 – 103 0 4.2

1 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and

below the threshold. The categories were formed using percentile estimates generated

using data from the National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 5. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2012

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

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 94 6 1 ( ) 79 21 – 87 12 1

Management, professional, and related .................. 94 – – 76 24 – 85 14 1

Management, business, and financial ................. 94 – – 73 27 – 84 – –

Professional and related ...................................... 95 5 1 ( ) 77 23 – 86 13 1

Service ..................................................................... 90 10 – 75 25 – 85 15 1

Protective service ................................................ 97 – – 89 – – 90 – –

Sales and office ....................................................... 95 5 1 ( ) 84 16 – 90 10 1 ( )

Sales and related ................................................. 96 4 – 94 6 – 92 7 1

Office and administrative support ........................ 94 6 1 ( ) 80 20 – 89 11 1 ( )

Natural resources, construction, and maintenance 92 – – 78 22 – 85 15 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 92 – – 76 – – 83 – –

Installation, maintenance, and repair ................... 92 – – 79 21 – 86 – –

Production, transportation, and material moving ..... 96 4 – 79 21 – 88 10 1

Production ............................................................ 95 5 – 80 20 – 86 11 3

Transportation and material moving .................... 98 – – 78 22 – 91 9 1 ( )

Full time ................................................................... 94 6 1 ( ) 78 22 – 87 12 1

Part time .................................................................. 96 4 – 83 17 – 88 12 1 ( )

Union ....................................................................... 88 12 – 64 36 – 73 27 1 ( )

Nonunion ................................................................. 95 5 1 ( ) 81 19 – 89 10 1

Average wage within the following categories:2

Lowest 25 percent ............................................... 92 – – 85 15 – 91 8 1

Second 25 percent ............................................... 95 – – 82 18 – 89 10 1

Third 25 percent ................................................... 95 5 1 ( ) 79 21 – 86 13 1 ( )

Highest 25 percent ............................................... 93 7 1 ( ) 74 26 – 84 15 1

Highest 10 percent ........................................... 96 4 – 79 21 – 86 12 1

Establishment characteristic

Goods-producing industries ..................................... 95 5 – 81 19 – 87 11 1

Construction ......................................................... 94 – – 74 26 – 81 19 –

Manufacturing ...................................................... 95 5 – 82 18 – 89 10 2

Service-providing industries ..................................... 94 6 1 ( ) 78 22 – 87 13 1

Trade, transportation, and utilities ....................... 97 3 – 86 14 – 94 6 1

Wholesale trade ............................................... 95 – – 86 14 – 94 6 –

Retail trade ...................................................... 98 – – 96 – – 94 – –

Information ........................................................... 80 – – 74 26 – 75 25 –

Financial activities ................................................ 93 6 1 ( ) 79 21 – 84 15 1

Finance and insurance .................................... 93 7 – 80 20 – 86 13 1

See footnotes at end of table.
Table 5. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,

2012—Continued

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

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 92 – – 82 18 – 89 11 –

Insurance carriers and related activities ...... 93 – – 81 19 – 87 12 1

Professional and business services ..................... 94 – – 75 25 – 87 – –

Education and health services ............................. 93 7 – 75 25 – 85 14 2

Educational services ........................................ 90 – – 64 36 – 70 30 –

Junior colleges, colleges, and universities ... 93 7 – 69 31 – 77 23 –

Healthcare and social assistance .................... 94 6 – 76 24 – 86 12 2

1 to 99 workers ........................................................ 93 7 – 76 24 – 87 12 1

1 to 49 workers .................................................... 94 – – 76 24 – 86 13 1

50 to 99 workers .................................................. 90 – – 75 25 – 89 11 1 ( )

100 workers or more ................................................ 95 5 1 ( ) 81 19 – 87 12 1

100 to 499 workers .............................................. 96 4 1 ( ) 82 18 – 90 10 1

500 workers or more ............................................ 93 7 1 ( ) 79 21 – 84 15 1 ( )

Geographic area

New England ........................................................... 82 18 – 64 36 – 77 23 –

Middle Atlantic ......................................................... 87 13 – 59 41 – 66 34 1

East North Central ................................................... 96 4 – 76 24 – 90 – –

West North Central .................................................. 98 – – 87 – – 94 – –

South Atlantic ........................................................... 93 – – 84 16 – 89 10 1 ( )

East South Central ................................................... 96 – – 76 24 – 90 – –

West South Central .................................................. 96 – – 91 9 – 94 4 1

Mountain .................................................................. 98 2 – 75 25 – 89 – –

Pacific ...................................................................... 97 3 – 87 – – 92 – –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 5. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2012

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 0.7 0.7 0.1 1.5 1.5 – 1.1 1.1 0.3

Management, professional, and related .................. 1.9 – – 3.0 3.0 – 2.6 2.7 0.4

Management, business, and financial ................. 3.6 – – 5.0 5.0 – 5.0 – –

Professional and related ...................................... 1.2 1.2 0.2 3.2 3.2 – 2.0 2.0 0.3

Service ..................................................................... 2.8 2.8 – 5.7 5.7 – 4.3 4.3 0.4

Protective service ................................................ 2.3 – – 7.2 – – 6.8 – –

Sales and office ....................................................... 0.8 0.8 1 ( ) 1.6 1.6 – 1.3 1.3 0.2

Sales and related ................................................. 1.2 1.2 – 1.4 1.4 – 1.9 1.8 0.5

Office and administrative support ........................ 0.9 0.9 0.1 2.1 2.1 – 1.5 1.5 0.2

Natural resources, construction, and maintenance 2.9 – – 4.1 4.1 – 3.9 3.9 0.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.4 – – 7.1 – – 5.3 – –

Installation, maintenance, and repair ................... 3.8 – – 4.9 4.9 – 4.8 – –

Production, transportation, and material moving ..... 0.8 0.8 – 2.5 2.5 – 2.3 2.1 1.1

Production ............................................................ 1.2 1.2 – 3.7 3.7 – 3.5 3.1 2.0

Transportation and material moving .................... 0.6 – – 3.0 3.0 – 2.0 2.0 1 ( )

Full time ................................................................... 0.8 0.8 0.1 1.6 1.6 – 1.2 1.2 0.3

Part time .................................................................. 1.0 1.0 – 3.2 3.2 – 2.9 2.9 1 ( )

Union ....................................................................... 2.1 2.1 – 4.5 4.5 – 4.2 4.2 0.2

Nonunion ................................................................. 0.8 0.8 0.1 1.6 1.6 – 1.2 1.2 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.6 – – 3.1 3.1 – 1.9 1.9 0.3

Second 25 percent ............................................... 1.4 – – 2.6 2.6 – 2.0 2.0 0.6

Third 25 percent ................................................... 0.8 0.7 0.2 2.1 2.1 – 1.6 1.5 0.2

Highest 25 percent ............................................... 1.9 1.9 0.1 2.5 2.5 – 2.1 2.2 0.5

Highest 10 percent ........................................... 0.9 0.9 – 2.5 2.5 – 2.3 2.1 0.9

Establishment characteristic

Goods-producing industries ..................................... 1.0 1.0 – 2.7 2.7 – 2.1 2.0 0.9

Construction ......................................................... 3.6 – – 5.9 5.9 – 5.1 5.1 –

Manufacturing ...................................................... 1.0 1.0 – 3.2 3.2 – 2.3 2.1 1.2

Service-providing industries ..................................... 0.9 0.9 0.1 1.9 1.9 – 1.5 1.5 0.2

Trade, transportation, and utilities ....................... 0.7 0.7 – 1.9 1.9 – 1.4 1.3 0.3

Wholesale trade ............................................... 1.9 – – 3.0 3.0 – 1.8 1.8 –

Retail trade ...................................................... 0.7 – – 1.4 – – 1.8 – –

Information ........................................................... 7.8 – – 7.2 7.2 – 7.2 7.2 –

Financial activities ................................................ 1.9 1.8 0.4 3.1 3.1 – 2.5 2.4 0.6

Finance and insurance .................................... 1.9 1.9 – 2.7 2.7 – 1.9 1.7 0.7

See footnotes at end of table.
Table 5. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National

Compensation Survey, 2012—Continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 2.1 – – 3.3 3.3 – 2.2 2.2 –

Insurance carriers and related activities ...... 3.1 – – 4.7 4.7 – 3.6 3.4 1.1

Professional and business services ..................... 3.0 – – 5.4 5.4 – 4.6 – –

Education and health services ............................. 1.5 1.5 – 4.2 4.2 – 2.2 2.1 0.9

Educational services ........................................ 4.1 – – 5.7 5.7 – 6.3 6.3 –

Junior colleges, colleges, and universities ... 1.2 1.2 – 4.4 4.4 – 4.3 4.3 –

Healthcare and social assistance .................... 1.3 1.3 – 4.6 4.6 – 2.1 1.8 1.0

1 to 99 workers ........................................................ 1.7 1.7 – 2.7 2.7 – 2.2 2.2 0.6

1 to 49 workers .................................................... 2.0 – – 3.6 3.6 – 2.9 2.8 0.8

50 to 99 workers .................................................. 3.4 – – 4.5 4.5 – 3.0 3.0 1 ( )

100 workers or more ................................................ 0.7 0.6 0.1 1.7 1.7 – 1.3 1.3 0.2

100 to 499 workers .............................................. 0.6 0.6 0.2 2.2 2.2 – 1.3 1.3 0.3

500 workers or more ............................................ 1.1 1.1 1 ( ) 2.7 2.7 – 2.3 2.3 0.2

Geographic area

New England ........................................................... 4.4 4.4 – 5.7 5.7 – 3.5 3.5 –

Middle Atlantic ......................................................... 1.3 1.3 – 3.7 3.7 – 3.5 3.9 0.5

East North Central ................................................... 1.2 1.2 – 4.3 4.3 – 3.2 – –

West North Central .................................................. 0.8 – – 5.8 – – 2.4 – –

South Atlantic ........................................................... 3.2 – – 3.3 3.3 – 2.9 2.9 0.1

East South Central ................................................... 2.9 – – 6.2 6.2 – 3.9 – –

West South Central .................................................. 1.6 – – 2.2 2.2 – 1.4 1.1 0.6

Mountain .................................................................. 0.3 0.3 – 7.0 7.0 – 3.3 – –

Pacific ...................................................................... 0.6 0.6 – 4.7 – – 3.7 – –

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 6. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey, 2012

(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 94 – – 60 $750 $1,310 – – 6 1 ( )

Management, professional, and related .................. 100 94 – – 62 – 1,200 – – – –

Management, business, and financial ................. 100 94 – – 61 – 1,500 – – – –

Professional and related ...................................... 100 95 – – 62 600 1,200 – – 5 1 ( )

Service ..................................................................... 100 90 28 – 62 1,000 1,500 – – 10 –

Protective service ................................................ 100 97 – – 85 – – – – – –

Sales and office ....................................................... 100 95 – – 59 750 1,500 – – 5 1 ( )

Sales and related ................................................. 100 96 – – 54 750 1,500 $1,250 – 4 –

Office and administrative support ........................ 100 94 – – 62 – 1,500 – – 6 1 ( )

Natural resources, construction, and maintenance 100 92 43 – 50 – 1,200 – – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 92 42 – 50 – – 1,500 – – –

Installation, maintenance, and repair ................... 100 92 43 – 49 600 – – – – –

Production, transportation, and material moving ..... 100 96 31 $750 65 600 1,200 500 – 4 –

Production ............................................................ 100 95 33 1,000 62 750 1,500 500 – 5 –

Transportation and material moving .................... 100 98 28 – 70 500 1,000 500 – – –

Full time ................................................................... 100 94 32 1,000 61 750 1,500 500 1 () 6 1 ( )

Part time .................................................................. 100 96 – – 49 – 950 1,250 – 4 –

Union ....................................................................... 100 88 – – 58 500 – – – 12 –

Nonunion ................................................................. 100 95 – – 61 750 1,500 – – 5 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 92 – – 56 700 1,500 – – – –

Second 25 percent ............................................... 100 95 – – 64 1,000 1,500 500 – – –

Third 25 percent ................................................... 100 95 – – 60 600 1,200 500 – 5 1 ( )

Highest 25 percent ............................................... 100 93 – – 60 600 1,000 – – 7 1 ( )

Highest 10 percent ........................................... 100 96 – – 62 600 1,000 – – 4 –

Establishment characteristic

Goods-producing industries ..................................... 100 95 – – 62 750 1,400 500 – 5 –

Construction ......................................................... 100 94 34 – 60 – – – – – –

Manufacturing ...................................................... 100 95 – – 62 750 1,500 500 – 5 –

Service-providing industries ..................................... 100 94 – – 60 750 1,300 – – 6 1 ( )

Trade, transportation, and utilities ....................... 100 97 – – 63 600 1,200 – – 3 –

Wholesale trade ............................................... 100 95 28 – 67 – – – – – –

Retail trade ...................................................... 100 98 – – 57 850 1,725 – – – –

Information ........................................................... 100 80 – – 52 1,200 – – – – –

Financial activities ................................................ 100 93 – – 64 – – – – 6 1 ( )

Finance and insurance .................................... 100 93 – – 61 – – – – 7 –

See footnotes at end of table.
Table 6. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,

2012—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

Credit intermediation and related activities .. 100 92 – – 56 – – – – – –

Insurance carriers and related activities ...... 100 93 – – 68 – – – – – –

Professional and business services ..................... 100 94 – – 61 – $1,500 – – – –

Education and health services ............................. 100 93 35 $1,000 58 – 1,400 – – 7 –

Educational services ........................................ 100 90 19 – 70 $500 – $400 – – –

Junior colleges, colleges, and universities ... 100 93 18 350 75 – – 400 – 7 –

Healthcare and social assistance .................... 100 94 37 1,000 56 – 1,500 – – 6 –

1 to 99 workers ........................................................ 100 93 – – 61 1,000 2,000 – – 7 –

1 to 49 workers .................................................... 100 94 – – 61 1,000 2,000 500 – – –

50 to 99 workers .................................................. 100 90 – – 61 1,000 – – – – –

100 workers or more ................................................ 100 95 – – 60 500 1,000 – – 5 1 ( )

100 to 499 workers .............................................. 100 96 – – 62 575 1,200 – – 4 1 ( )

500 workers or more ............................................ 100 93 – – 58 500 750 350 – 7 1 ( )

Geographic area

New England ........................................................... 100 82 – – 70 – 1,000 – – 18 –

Middle Atlantic ......................................................... 100 87 – – 63 – 1,200 – – 13 –

East North Central ................................................... 100 96 – – 68 800 1,600 – – 4 –

West North Central .................................................. 100 98 – – 58 1,000 1,750 750 – – –

South Atlantic ........................................................... 100 93 – – 60 1,000 1,500 – – – –

East South Central ................................................... 100 96 – – 61 600 – 300 – – –

West South Central .................................................. 100 96 – – 61 750 – – – – –

Mountain .................................................................. 100 98 38 1,500 60 500 1,000 – – 2 –

Pacific ...................................................................... 100 97 51 – – – – – – 3 –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 6. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National

Compensation Survey, 2012

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 $85 $295 – – 0.7 0.1

Management, professional, and related .................. 1.9 – – 3.0 – 327 – – – –

Management, business, and financial ................. 3.6 – – 3.7 – 383 – – – –

Professional and related ...................................... 1.2 – – 3.9 143 258 – – 1.2 0.2

Service ..................................................................... 2.8 5.2 – 6.0 104 350 – – 2.8 –

Protective service ................................................ 2.3 – – 8.4 – – – – – –

Sales and office ....................................................... 0.8 – – 2.2 107 196 – – 0.8 1 ( )

Sales and related ................................................. 1.2 – – 3.9 84 373 $0 – 1.2 –

Office and administrative support ........................ 0.9 – – 2.2 – 158 – – 0.9 0.1

Natural resources, construction, and maintenance 2.9 6.2 – 5.9 – 343 – – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.4 7.0 – 7.2 – – 0 – – –

Installation, maintenance, and repair ................... 3.8 9.4 – 9.1 165 – – – – –

Production, transportation, and material moving ..... 0.8 3.0 $180 3.0 105 71 0 – 0.8 –

Production ............................................................ 1.2 4.1 152 4.1 150 189 0 – 1.2 –

Transportation and material moving .................... 0.6 3.7 – 3.6 105 212 0 – – –

Full time ................................................................... 0.8 1.5 29 1.6 114 196 60 0.1 0.8 0.1

Part time .................................................................. 1.0 – – 5.0 – 271 69 – 1.0 –

Union ....................................................................... 2.1 – – 4.0 10 – – – 2.1 –

Nonunion ................................................................. 0.8 – – 1.8 66 0 – – 0.8 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.6 – – 3.8 173 0 – – – –

Second 25 percent ............................................... 1.4 – – 2.7 125 123 31 – – –

Third 25 percent ................................................... 0.8 – – 3.1 87 56 106 – 0.7 0.2

Highest 25 percent ............................................... 1.9 – – 2.3 171 204 – – 1.9 0.1

Highest 10 percent ........................................... 0.9 – – 2.8 117 177 – – 0.9 –

Establishment characteristic

Goods-producing industries ..................................... 1.0 – – 2.9 138 289 0 – 1.0 –

Construction ......................................................... 3.6 5.7 – 6.0 – – – – – –

Manufacturing ...................................................... 1.0 – – 3.7 146 344 0 – 1.0 –

Service-providing industries ..................................... 0.9 – – 1.9 136 301 – – 0.9 0.1

Trade, transportation, and utilities ....................... 0.7 – – 2.8 135 26 – – 0.7 –

Wholesale trade ............................................... 1.9 5.2 – 5.3 – – – – – –

Retail trade ...................................................... 0.7 – – 3.9 181 363 – – – –

Information ........................................................... 7.8 – – 8.6 161 – – – – –

Financial activities ................................................ 1.9 – – 3.0 – – – – 1.8 0.4

Finance and insurance .................................... 1.9 – – 3.0 – – – – 1.9 –

See footnotes at end of table.
Table 6. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National

Compensation Survey, 2012—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

Credit intermediation and related activities .. 2.1 – – 4.4 – – – – – –

Insurance carriers and related activities ...... 3.1 – – 4.7 – – – – – –

Professional and business services ..................... 3.0 – – 4.3 – $443 – – – –

Education and health services ............................. 1.5 5.0 $251 4.8 – 350 – – 1.5 –

Educational services ........................................ 4.1 4.3 – 4.4 $20 – $0 – – –

Junior colleges, colleges, and universities ... 1.2 5.2 66 5.4 – – 0 – 1.2 –

Healthcare and social assistance .................... 1.3 5.6 280 5.5 – 365 – – 1.3 –

1 to 99 workers ........................................................ 1.7 – – 2.9 0 0 – – 1.7 –

1 to 49 workers .................................................... 2.0 – – 3.1 0 0 59 – – –

50 to 99 workers .................................................. 3.4 – – 5.9 39 – – – – –

100 workers or more ................................................ 0.7 – – 1.9 0 0 – – 0.6 0.1

100 to 499 workers .............................................. 0.6 – – 2.6 87 134 – – 0.6 0.2

500 workers or more ............................................ 1.1 – – 2.8 65 79 59 – 1.1 1 ( )

Geographic area

New England ........................................................... 4.4 – – 6.0 – 98 – – 4.4 –

Middle Atlantic ......................................................... 1.3 – – 5.2 – 159 – – 1.3 –

East North Central ................................................... 1.2 – – 2.8 228 305 – – 1.2 –

West North Central .................................................. 0.8 – – 3.6 53 481 44 – – –

South Atlantic ........................................................... 3.2 – – 3.8 147 291 – – – –

East South Central ................................................... 2.9 – – 5.1 116 – 52 – – –

West South Central .................................................. 1.6 – – 3.3 164 – – – – –

Mountain .................................................................. 0.3 7.4 0 7.3 0 152 – – 0.3 –

Pacific ...................................................................... 0.6 3.2 – – – – – – 0.6 –

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 7. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,

2012

(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 94 $250 $350 $750 $1,500 $2,700 6 1 ( )

Management, professional, and related .................. 100 94 250 350 750 1,500 2,500 – –

Management, business, and financial ................. 100 94 250 400 1,000 1,800 2,500 – –

Professional and related ...................................... 100 95 250 – 750 1,500 2,000 5 1 ( )

Service ..................................................................... 100 90 200 – 1,000 – 3,000 10 –

Protective service ................................................ 100 97 – 500 – – 1,000 – –

Sales and office ....................................................... 100 95 250 400 1,000 1,800 2,700 5 1 ( )

Sales and related ................................................. 100 96 250 – 1,000 2,000 2,700 4 –

Office and administrative support ........................ 100 94 250 500 1,000 1,650 3,000 6 1 ( )

Natural resources, construction, and maintenance 100 92 200 300 – 1,800 3,000 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 92 200 250 500 1,000 – – –

Installation, maintenance, and repair ................... 100 92 250 400 – – 3,000 – –

Production, transportation, and material moving ..... 100 96 225 400 650 1,300 2,000 4 –

Production ............................................................ 100 95 250 400 750 1,500 2,250 5 –

Transportation and material moving .................... 100 98 – 300 575 1,000 2,000 – –

Full time ................................................................... 100 94 250 400 750 1,500 2,600 6 1 ( )

Part time .................................................................. 100 96 200 250 – 1,300 2,700 4 –

Union ....................................................................... 100 88 – 250 300 – 1,250 12 –

Nonunion ................................................................. 100 95 250 500 1,000 1,500 2,700 5 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 92 200 300 750 1,800 2,700 – –

Second 25 percent ............................................... 100 95 250 500 1,000 1,500 2,700 – –

Third 25 percent ................................................... 100 95 250 350 750 1,500 3,000 5 1 ( )

Highest 25 percent ............................................... 100 93 225 325 750 1,500 2,250 7 1 ( )

Highest 10 percent ........................................... 100 96 250 325 750 1,500 2,000 4 –

Establishment characteristic

Goods-producing industries ..................................... 100 95 200 – 750 1,500 2,500 5 –

Construction ......................................................... 100 94 200 – – 1,500 3,000 – –

Manufacturing ...................................................... 100 95 200 400 750 1,500 2,200 5 –

Service-providing industries ..................................... 100 94 250 350 850 1,500 2,700 6 1 ( )

Trade, transportation, and utilities ....................... 100 97 250 300 750 1,500 2,700 3 –

Wholesale trade ............................................... 100 95 300 400 – 1,500 2,500 – –

Retail trade ...................................................... 100 98 250 – 1,000 2,500 2,700 – –

Information ........................................................... 100 80 – – 1,000 1,250 – – –

Financial activities ................................................ 100 93 350 500 1,000 2,000 2,500 6 1 ( )

Finance and insurance .................................... 100 93 350 500 1,000 2,000 2,500 7 –

See footnotes at end of table.
Table 7. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,

2012—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

Credit intermediation and related activities .. 100 92 $350 $500 $1,000 – $2,600 – –

Insurance carriers and related activities ...... 100 93 – 500 – $2,000 2,500 – –

Professional and business services ..................... 100 94 250 – 1,000 1,500 – – –

Education and health services ............................. 100 93 250 500 – 1,500 – 7 –

Educational services ........................................ 100 90 250 300 500 – 2,000 – –

Junior colleges, colleges, and universities ... 100 93 – 300 500 1,000 – 7 –

Healthcare and social assistance .................... 100 94 250 500 – – – 6 –

1 to 99 workers ........................................................ 100 93 300 500 1,000 2,000 3,000 7 –

1 to 49 workers .................................................... 100 94 300 500 1,000 2,000 3,000 – –

50 to 99 workers .................................................. 100 90 325 500 1,000 1,500 2,000 – –

100 workers or more ................................................ 100 95 200 300 500 1,250 2,500 5 1 ( )

100 to 499 workers .............................................. 100 96 200 300 550 1,500 2,700 4 1 ( )

500 workers or more ............................................ 100 93 200 250 500 1,100 1,800 7 1 ( )

Geographic area

New England ........................................................... 100 82 250 300 – 1,500 2,500 18 –

Middle Atlantic ......................................................... 100 87 200 300 – 1,200 2,000 13 –

East North Central ................................................... 100 96 250 400 750 1,800 – 4 –

West North Central .................................................. 100 98 200 – 1,000 2,000 3,000 – –

South Atlantic ........................................................... 100 93 250 350 750 1,500 2,500 – –

East South Central ................................................... 100 96 200 300 600 1,500 2,000 – –

West South Central .................................................. 100 96 250 400 1,000 2,000 3,000 – –

Mountain .................................................................. 100 98 250 500 – 1,500 2,600 2 –

Pacific ...................................................................... 100 97 250 – – 1,500 2,700 3 –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 7. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2012

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 $19 $29 $55 $0 $224 0.7 0.1

Management, professional, and related .................. 1.9 20 41 80 10 481 – –

Management, business, and financial ................. 3.6 11 75 71 184 104 – –

Professional and related ...................................... 1.2 48 – 88 223 0 1.2 0.2

Service ..................................................................... 2.8 52 – 148 – 636 2.8 –

Protective service ................................................ 2.3 – 133 – – 292 – –

Sales and office ....................................................... 0.8 0 113 139 386 288 0.8 1 ( )

Sales and related ................................................. 1.2 39 – 132 432 0 1.2 –

Office and administrative support ........................ 0.9 10 148 270 363 177 0.9 0.1

Natural resources, construction, and maintenance 2.9 30 44 – 521 165 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.4 0 50 71 235 – – –

Installation, maintenance, and repair ................... 3.8 51 91 – – 83 – –

Production, transportation, and material moving ..... 0.8 46 106 137 230 439 0.8 –

Production ............................................................ 1.2 13 62 156 174 416 1.2 –

Transportation and material moving .................... 0.6 – 39 103 252 98 – –

Full time ................................................................... 0.8 4 58 134 0 181 0.8 0.1

Part time .................................................................. 1.0 0 23 – 252 0 1.0 –

Union ....................................................................... 2.1 – 51 43 – 165 2.1 –

Nonunion ................................................................. 0.8 0 124 167 80 44 0.8 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.6 35 14 118 491 0 – –

Second 25 percent ............................................... 1.4 0 10 117 331 298 – –

Third 25 percent ................................................... 0.8 61 49 37 0 575 0.7 0.2

Highest 25 percent ............................................... 1.9 42 44 80 0 386 1.9 0.1

Highest 10 percent ........................................... 0.9 35 49 127 39 420 0.9 –

Establishment characteristic

Goods-producing industries ..................................... 1.0 19 – 65 184 186 1.0 –

Construction ......................................................... 3.6 35 – – 373 613 – –

Manufacturing ...................................................... 1.0 25 99 69 295 276 1.0 –

Service-providing industries ..................................... 0.9 4 24 206 17 73 0.9 0.1

Trade, transportation, and utilities ....................... 0.7 0 45 160 202 0 0.7 –

Wholesale trade ............................................... 1.9 0 77 – 336 577 – –

Retail trade ...................................................... 0.7 20 – 151 328 0 – –

Information ........................................................... 7.8 – – 278 274 – – –

Financial activities ................................................ 1.9 73 0 88 163 20 1.8 0.4

Finance and insurance .................................... 1.9 68 0 0 360 65 1.9 –

See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2012—Continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 2.1 $64 $53 $0 – $133 – –

Insurance carriers and related activities ...... 3.1 – 101 – $341 0 – –

Professional and business services ..................... 3.0 6 – 140 104 – – –

Education and health services ............................. 1.5 17 80 – 349 – 1.5 –

Educational services ........................................ 4.1 14 17 40 – 514 – –

Junior colleges, colleges, and universities ... 1.2 – 74 29 120 – 1.2 –

Healthcare and social assistance .................... 1.3 28 35 – – – 1.3 –

1 to 99 workers ........................................................ 1.7 25 0 0 0 59 1.7 –

1 to 49 workers .................................................... 2.0 35 0 40 442 701 – –

50 to 99 workers .................................................. 3.4 96 0 0 83 349 – –

100 workers or more ................................................ 0.7 0 46 10 74 469 0.6 0.1

100 to 499 workers .............................................. 0.6 17 5 85 245 111 0.6 0.2

500 workers or more ............................................ 1.1 18 0 34 168 291 1.1 1 ( )

Geographic area

New England ........................................................... 4.4 34 29 – 438 504 4.4 –

Middle Atlantic ......................................................... 1.3 0 42 – 222 88 1.3 –

East North Central ................................................... 1.2 5 54 165 423 – 1.2 –

West North Central .................................................. 0.8 35 – 40 388 567 – –

South Atlantic ........................................................... 3.2 17 94 93 287 239 – –

East South Central ................................................... 2.9 0 40 167 397 298 – –

West South Central .................................................. 1.6 40 116 156 527 412 – –

Mountain .................................................................. 0.3 0 67 – 0 605 0.3 –

Pacific ...................................................................... 0.6 60 – – 0 264 0.6 –

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey, 2012

(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 92 – – 60 $1,600 $3,000 $1,500 – 8 1 ( )

Management, professional, and related .................. 100 93 – – 61 1,500 3,000 – – – –

Management, business, and financial ................. 100 92 – – 61 1,800 3,000 – – – –

Professional and related ...................................... 100 94 – – 62 1,500 3,000 750 – 6 1 ( )

Service ..................................................................... 100 87 26 – 61 – – – – 13 –

Protective service ................................................ 100 97 – – 85 – – – – – –

Sales and office ....................................................... 100 93 – – 59 1,725 3,000 2,000 – 7 1 ( )

Sales and related ................................................. 100 93 – – 54 1,725 3,000 2,500 – 7 –

Office and administrative support ........................ 100 93 – – 61 1,750 3,000 1,500 – 7 1 ( )

Natural resources, construction, and maintenance 100 89 41 – 49 1,500 3,000 – – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 92 42 – 50 – – 3,000 – – –

Installation, maintenance, and repair ................... 100 88 40 – 47 1,600 3,200 – – – –

Production, transportation, and material moving ..... 100 93 29 – 64 1,500 3,000 1,500 – 7 –

Production ............................................................ 100 93 32 – 61 1,800 3,600 1,500 – 7 –

Transportation and material moving .................... 100 93 25 $1,500 68 1,500 – 1,500 – – –

Full time ................................................................... 100 92 31 2,400 61 1,600 3,000 1,500 1 () 8 1 ( )

Part time .................................................................. 100 89 – – 47 2,000 2,000 2,500 – 11 –

Union ....................................................................... 100 84 – – 56 1,200 – – – 16 –

Nonunion ................................................................. 100 93 – – 60 1,750 3,200 1,500 – 7 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 88 – – 56 1,500 3,450 2,500 – 12 –

Second 25 percent ............................................... 100 93 – – 63 2,000 3,600 1,500 – – –

Third 25 percent ................................................... 100 93 – – 59 1,500 3,000 1,500 – 6 1 ( )

Highest 25 percent ............................................... 100 91 – – 59 1,500 2,620 – – 9 1 ( )

Highest 10 percent ........................................... 100 95 – – 61 1,500 2,500 – – 5 –

Establishment characteristic

Goods-producing industries ..................................... 100 93 – – 62 1,500 3,000 1,500 – 7 –

Construction ......................................................... 100 93 32 – 60 – 3,000 – – – –

Manufacturing ...................................................... 100 94 – – 62 1,500 3,000 1,500 – 6 –

Service-providing industries ..................................... 100 92 – – 59 1,750 3,000 1,500 – 8 1 ( )

Trade, transportation, and utilities ....................... 100 94 – – 62 1,725 3,000 – – 6 –

Wholesale trade ............................................... 100 93 28 – 65 – 3,450 – – 7 –

Retail trade ...................................................... 100 93 – – 57 2,000 4,000 – – 7 –

Information ........................................................... 100 80 – – 52 2,400 – – – – –

Financial activities ................................................ 100 91 – – 62 – – – – 9 1 ( )

Finance and insurance .................................... 100 92 – – 61 – – – – 8 –

See footnotes at end of table.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,

2012—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

Credit intermediation and related activities .. 100 90 – – 55 – – – – 10 –

Insurance carriers and related activities ...... 100 93 – – 68 – – – – – –

Professional and business services ..................... 100 94 – – 61 – $3,000 – – – –

Education and health services ............................. 100 92 34 – 58 $1,500 3,000 $750 – 8 –

Educational services ........................................ 100 89 19 $750 70 1,000 2,000 – – – –

Junior colleges, colleges, and universities ... 100 93 18 700 75 1,300 2,000 – – 7 –

Healthcare and social assistance .................... 100 93 36 – 56 – – 750 – 7 –

1 to 99 workers ........................................................ 100 91 – – 60 3,000 4,500 – – 9 –

1 to 49 workers .................................................... 100 92 – – 60 3,000 5,000 1,500 – 8 –

50 to 99 workers .................................................. 100 88 – – 61 2,000 4,000 – – – –

100 workers or more ................................................ 100 92 – – 59 1,500 2,400 1,500 – 7 1 ( )

100 to 499 workers .............................................. 100 94 – – 61 1,500 3,000 2,000 – 6 1 ( )

500 workers or more ............................................ 100 90 – – 56 1,000 1,600 750 – 10 1 ( )

Geographic area

New England ........................................................... 100 82 – – 70 – – – – 18 –

Middle Atlantic ......................................................... 100 85 – – 63 1,500 2,400 – – 15 –

East North Central ................................................... 100 95 – – 68 1,950 3,600 1,500 – 5 –

West North Central .................................................. 100 94 – – 58 – 3,750 – – – –

South Atlantic ........................................................... 100 90 – – 59 2,000 3,450 – – – –

East South Central ................................................... 100 95 – – 60 1,500 3,000 – – – –

West South Central .................................................. 100 93 – – 60 2,000 4,500 – – – –

Mountain .................................................................. 100 96 37 3,000 59 1,000 2,000 – – – –

Pacific ...................................................................... 100 94 49 – – – – – – 6 –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National

Compensation Survey, 2012

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 ............................................................... 0.8 – – 1.5 $209 $0 $0 – 0.8 0.1

Management, professional, and related .................. 2.0 – – 3.0 97 154 – – – –

Management, business, and financial ................. 3.6 – – 3.7 501 517 – – – –

Professional and related ...................................... 1.4 – – 3.9 71 679 48 – 1.4 0.2

Service ..................................................................... 3.1 5.0 – 6.0 – – – – 3.1 –

Protective service ................................................ 2.3 – – 8.4 – – – – – –

Sales and office ....................................................... 1.1 – – 2.2 297 182 591 – 1.1 1 ( )

Sales and related ................................................. 1.5 – – 3.9 277 560 196 – 1.5 –

Office and administrative support ........................ 1.3 – – 2.3 378 111 241 – 1.3 0.1

Natural resources, construction, and maintenance 3.1 6.4 – 5.8 196 444 – – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.4 7.0 – 7.2 – – 0 – – –

Installation, maintenance, and repair ................... 4.2 9.7 – 8.9 152 337 – – – –

Production, transportation, and material moving ..... 1.2 3.1 – 2.9 234 153 0 – 1.2 –

Production ............................................................ 1.6 4.1 – 4.0 266 597 0 – 1.6 –

Transportation and material moving .................... 2.1 3.9 $88 3.7 49 – 0 – – –

Full time ................................................................... 0.9 1.6 307 1.6 181 34 59 0.1 0.9 0.1

Part time .................................................................. 3.3 – – 5.0 448 561 139 – 3.3 –

Union ....................................................................... 2.5 – – 4.0 293 – – – 2.5 –

Nonunion ................................................................. 0.9 – – 1.8 229 374 11 – 0.9 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.8 – – 3.8 228 627 509 – 2.8 –

Second 25 percent ............................................... 1.9 – – 2.8 56 472 0 – – –

Third 25 percent ................................................... 0.9 – – 3.1 0 0 8 – 0.8 0.2

Highest 25 percent ............................................... 1.9 – – 2.5 214 609 – – 1.9 0.1

Highest 10 percent ........................................... 0.9 – – 2.9 180 741 – – 0.9 –

Establishment characteristic

Goods-producing industries ..................................... 1.4 – – 2.8 109 109 0 – 1.4 –

Construction ......................................................... 3.7 5.6 – 6.0 – 686 – – – –

Manufacturing ...................................................... 1.2 – – 3.7 44 83 0 – 1.2 –

Service-providing industries ..................................... 1.0 – – 2.0 279 0 357 – 1.0 0.1

Trade, transportation, and utilities ....................... 1.1 – – 2.7 174 104 – – 1.1 –

Wholesale trade ............................................... 2.1 5.2 – 5.3 – 310 – – 2.1 –

Retail trade ...................................................... 1.9 – – 3.9 99 451 – – 1.9 –

Information ........................................................... 7.8 – – 8.6 263 – – – – –

Financial activities ................................................ 2.5 – – 3.1 – – – – 2.4 0.4

Finance and insurance .................................... 2.0 – – 3.0 – – – – 2.0 –

See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National

Compensation Survey, 2012—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

Credit intermediation and related activities .. 2.4 – – 4.4 – – – – 2.4 –

Insurance carriers and related activities ...... 3.1 – – 4.7 – – – – – –

Professional and business services ..................... 3.0 – – 4.3 – $589 – – – –

Education and health services ............................. 1.8 5.1 – 4.8 $239 640 $95 – 1.8 –

Educational services ........................................ 4.0 4.2 $213 4.4 0 380 – – – –

Junior colleges, colleges, and universities ... 1.3 5.2 136 5.4 356 407 – – 1.3 –

Healthcare and social assistance .................... 1.6 5.7 – 5.5 – – 108 – 1.6 –

1 to 99 workers ........................................................ 1.9 – – 2.9 686 898 – – 1.9 –

1 to 49 workers .................................................... 2.3 – – 3.1 0 1,072 187 – 2.3 –

50 to 99 workers .................................................. 3.8 – – 5.9 185 491 – – – –

100 workers or more ................................................ 0.7 – – 2.0 278 175 268 – 0.7 0.1

100 to 499 workers .............................................. 0.7 – – 2.6 0 363 593 – 0.7 0.2

500 workers or more ............................................ 1.4 – – 2.8 44 179 57 – 1.4 1 ( )

Geographic area

New England ........................................................... 4.4 – – 6.0 – – – – 4.4 –

Middle Atlantic ......................................................... 1.4 – – 5.2 204 315 – – 1.4 –

East North Central ................................................... 1.3 – – 2.7 409 645 222 – 1.3 –

West North Central .................................................. 1.5 – – 3.7 – 989 – – – –

South Atlantic ........................................................... 3.2 – – 3.7 147 355 – – – –

East South Central ................................................... 3.1 – – 4.6 316 495 – – – –

West South Central .................................................. 2.4 – – 3.3 242 376 – – – –

Mountain .................................................................. 1.4 7.6 0 7.9 0 286 – – – –

Pacific ...................................................................... 1.3 3.6 – – – – – – 1.3 –

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 9. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey, 2012

(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 92 $500 $900 $1,840 $3,000 $5,400 8 1 ( )

Management, professional, and related .................. 100 93 500 800 1,500 3,000 5,000 – –

Management, business, and financial ................. 100 92 600 900 2,250 4,000 5,200 – –

Professional and related ...................................... 100 94 500 750 1,500 3,000 – 6 1 ( )

Service ..................................................................... 100 87 500 850 2,500 – 6,000 13 –

Protective service ................................................ 100 97 – – – – 3,000 – –

Sales and office ....................................................... 100 93 600 1,000 2,000 4,000 5,400 7 1 ( )

Sales and related ................................................. 100 93 600 1,000 2,000 5,000 5,400 7 –

Office and administrative support ........................ 100 93 500 1,000 2,000 3,600 6,000 7 1 ( )

Natural resources, construction, and maintenance 100 89 500 750 1,500 – – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 92 400 600 – – – – –

Installation, maintenance, and repair ................... 100 88 700 1,000 – – 9,000 – –

Production, transportation, and material moving ..... 100 93 500 900 1,500 3,000 5,000 7 –

Production ............................................................ 100 93 600 1,000 1,950 3,000 5,000 7 –

Transportation and material moving .................... 100 93 450 750 1,500 3,000 5,400 – –

Full time ................................................................... 100 92 500 900 2,000 3,000 5,400 8 1 ( )

Part time .................................................................. 100 89 400 600 – – 5,400 11 –

Union ....................................................................... 100 84 400 500 900 2,000 3,000 16 –

Nonunion ................................................................. 100 93 600 1,000 2,000 3,300 6,000 7 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 88 500 900 1,950 4,000 5,400 12 –

Second 25 percent ............................................... 100 93 600 1,000 2,000 3,100 5,400 – –

Third 25 percent ................................................... 100 93 500 900 1,500 3,000 6,000 6 1 ( )

Highest 25 percent ............................................... 100 91 500 750 – 3,000 5,000 9 1 ( )

Highest 10 percent ........................................... 100 95 500 800 1,500 3,000 5,000 5 –

Establishment characteristic

Goods-producing industries ..................................... 100 93 500 800 1,500 3,000 6,000 7 –

Construction ......................................................... 100 93 450 800 – – 7,000 – –

Manufacturing ...................................................... 100 94 500 800 1,500 3,000 5,000 6 –

Service-providing industries ..................................... 100 92 500 900 2,000 3,100 5,400 8 1 ( )

Trade, transportation, and utilities ....................... 100 94 500 900 1,800 4,000 5,400 6 –

Wholesale trade ............................................... 100 93 625 1,000 1,800 3,600 6,000 7 –

Retail trade ...................................................... 100 93 700 – 2,000 5,000 5,400 7 –

Information ........................................................... 100 80 – – 2,400 3,000 5,000 – –

Financial activities ................................................ 100 91 700 1,200 2,500 4,000 5,200 9 1 ( )

Finance and insurance .................................... 100 92 700 1,200 2,500 4,000 5,200 8 –

See footnotes at end of table.
Table 9. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey,

2012—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

Credit intermediation and related activities .. 100 90 $700 – $2,500 – $5,000 10 –

Insurance carriers and related activities ...... 100 93 750 $1,200 – $4,350 5,000 – –

Professional and business services ..................... 100 94 600 900 – 3,000 6,000 – –

Education and health services ............................. 100 92 500 1,000 – 3,000 – 8 –

Educational services ........................................ 100 89 600 700 1,000 – 4,000 – –

Junior colleges, colleges, and universities ... 100 93 500 700 – – – 7 –

Healthcare and social assistance .................... 100 93 500 1,000 – 3,000 – 7 –

1 to 99 workers ........................................................ 100 91 750 1,500 3,000 4,500 7,500 9 –

1 to 49 workers .................................................... 100 92 750 1,500 3,000 5,000 9,000 8 –

50 to 99 workers .................................................. 100 88 800 1,500 2,250 – 6,000 – –

100 workers or more ................................................ 100 92 450 625 1,500 3,000 5,000 7 1 ( )

100 to 499 workers .............................................. 100 94 500 750 1,500 3,000 5,400 6 1 ( )

500 workers or more ............................................ 100 90 400 600 1,000 2,500 4,000 10 1 ( )

Geographic area

New England ........................................................... 100 82 500 – – – 5,000 18 –

Middle Atlantic ......................................................... 100 85 400 600 1,500 2,500 5,000 15 –

East North Central ................................................... 100 95 600 1,000 1,800 4,000 – 5 –

West North Central .................................................. 100 94 500 1,000 – 4,350 – – –

South Atlantic ........................................................... 100 90 500 900 1,500 3,000 5,400 – –

East South Central ................................................... 100 95 500 700 1,500 3,000 5,400 – –

West South Central .................................................. 100 93 600 900 2,250 3,750 5,400 – –

Mountain .................................................................. 100 96 500 1,000 – 3,000 5,200 – –

Pacific ...................................................................... 100 94 500 900 1,840 3,000 5,400 6 –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 9. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National

Compensation Survey, 2012

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 ............................................................... 0.8 $20 $75 $263 $66 $461 0.8 0.1

Management, professional, and related .................. 2.0 62 116 447 119 98 – –

Management, business, and financial ................. 3.6 52 142 291 563 847 – –

Professional and related ...................................... 1.4 0 148 0 0 – 1.4 0.2

Service ..................................................................... 3.1 119 226 737 – 364 3.1 –

Protective service ................................................ 2.3 – – – – 317 – –

Sales and office ....................................................... 1.1 97 73 0 701 563 1.1 1 ( )

Sales and related ................................................. 1.5 50 186 69 1,236 0 1.5 –

Office and administrative support ........................ 1.3 113 39 56 803 456 1.3 0.1

Natural resources, construction, and maintenance 3.1 112 148 311 – – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 4.4 32 0 – – – – –

Installation, maintenance, and repair ................... 4.2 153 145 – – 2,373 – –

Production, transportation, and material moving ..... 1.2 40 159 115 0 605 1.2 –

Production ............................................................ 1.6 94 118 284 0 1,002 1.6 –

Transportation and material moving .................... 2.1 63 55 0 720 535 – –

Full time ................................................................... 0.9 29 86 310 53 700 0.9 0.1

Part time .................................................................. 3.3 72 40 – – 0 3.3 –

Union ....................................................................... 2.5 58 59 163 370 44 2.5 –

Nonunion ................................................................. 0.9 72 0 10 474 724 0.9 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.8 44 82 350 813 735 2.8 –

Second 25 percent ............................................... 1.9 149 10 69 622 634 – –

Third 25 percent ................................................... 0.9 29 173 209 115 1,144 0.8 0.2

Highest 25 percent ............................................... 1.9 21 52 – 0 240 1.9 0.1

Highest 10 percent ........................................... 0.9 88 88 288 0 563 0.9 –

Establishment characteristic

Goods-producing industries ..................................... 1.4 56 59 147 0 1,045 1.4 –

Construction ......................................................... 3.7 129 217 – – 2,086 – –

Manufacturing ...................................................... 1.2 60 88 39 0 428 1.2 –

Service-providing industries ..................................... 1.0 48 55 188 267 353 1.0 0.1

Trade, transportation, and utilities ....................... 1.1 73 20 214 891 0 1.1 –

Wholesale trade ............................................... 2.1 135 187 357 632 958 2.1 –

Retail trade ...................................................... 1.9 150 – 69 444 0 1.9 –

Information ........................................................... 7.8 – – 215 173 1,114 – –

Financial activities ................................................ 2.5 28 183 316 349 263 2.4 0.4

Finance and insurance .................................... 2.0 42 212 349 255 275 2.0 –

See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National

Compensation Survey, 2012—Continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 2.4 $26 – $319 – $302 2.4 –

Insurance carriers and related activities ...... 3.1 192 $184 – $518 1,043 – –

Professional and business services ..................... 3.0 20 186 – 211 1,324 – –

Education and health services ............................. 1.8 71 134 – 240 – 1.8 –

Educational services ........................................ 4.0 86 105 67 – 954 – –

Junior colleges, colleges, and universities ... 1.3 0 63 – – – 1.3 –

Healthcare and social assistance .................... 1.6 55 34 – 616 – 1.6 –

1 to 99 workers ........................................................ 1.9 39 0 85 478 1,580 1.9 –

1 to 49 workers .................................................... 2.3 72 0 0 643 1,760 2.3 –

50 to 99 workers .................................................. 3.8 102 109 644 – 1,302 – –

100 workers or more ................................................ 0.7 41 95 224 225 450 0.7 0.1

100 to 499 workers .............................................. 0.7 18 140 0 137 136 0.7 0.2

500 workers or more ............................................ 1.4 0 131 48 599 479 1.4 1 ( )

Geographic area

New England ........................................................... 4.4 100 – – – 412 4.4 –

Middle Atlantic ......................................................... 1.4 63 95 161 534 506 1.4 –

East North Central ................................................... 1.3 116 56 379 860 – 1.3 –

West North Central .................................................. 1.5 145 228 – 867 – – –

South Atlantic ........................................................... 3.2 59 162 323 126 484 – –

East South Central ................................................... 3.1 83 154 432 0 830 – –

West South Central .................................................. 2.4 59 148 286 790 828 – –

Mountain .................................................................. 1.4 113 28 – 0 733 – –

Pacific ...................................................................... 1.3 118 158 448 586 353 1.3 –

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 10. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2012

(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 – – 88 80 60 90 –

Management, professional, and related .................. 100 – – 88 80 60 90 –

Management, business, and financial ................. 100 – – 86 80 60 90 –

Professional and related ...................................... 100 – – 89 80 60 90 –

Service ..................................................................... 100 13 70 87 80 60 90 –

Protective service ................................................ 100 – – 98 80 60 90 –

Sales and office ....................................................... 100 – – 90 80 60 90 –

Sales and related ................................................. 100 10 80 90 80 60 80 –

Office and administrative support ........................ 100 – – 89 80 60 90 –

Natural resources, construction, and maintenance 100 – – 83 80 60 80 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – 83 80 60 80 –

Installation, maintenance, and repair ................... 100 – – 83 80 60 90 –

Production, transportation, and material moving ..... 100 – – 86 80 60 90 –

Production ............................................................ 100 15 80 85 80 60 80 –

Transportation and material moving .................... 100 – – 88 80 60 90 –

Full time ................................................................... 100 – – 88 80 60 90 –

Part time .................................................................. 100 – – 80 80 60 90 –

Union ....................................................................... 100 – – 75 90 60 100 –

Nonunion ................................................................. 100 – – 89 80 60 90 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 – – 84 80 60 90 –

Second 25 percent ............................................... 100 – – 91 80 60 90 –

Third 25 percent ................................................... 100 – – 89 80 60 90 –

Highest 25 percent ............................................... 100 – – 84 85 60 90 –

Highest 10 percent ........................................... 100 – – 87 85 60 90 –

Establishment characteristic

Goods-producing industries ..................................... 100 – – 90 80 60 80 –

Construction ......................................................... 100 – – 86 80 60 – –

Manufacturing ...................................................... 100 9 80 91 80 60 80 –

Service-providing industries ..................................... 100 – – 87 80 60 90 –

Trade, transportation, and utilities ....................... 100 14 80 86 80 60 90 –

Wholesale trade ............................................... 100 21 80 79 80 60 – –

Retail trade ...................................................... 100 13 80 87 80 50 – –

Information ........................................................... 100 – – 82 80 60 90 –

Financial activities ................................................ 100 – – 83 90 60 85 –

Finance and insurance .................................... 100 – – 86 90 60 90 –

See footnotes at end of table.
Table 10. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,

2012—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

Credit intermediation and related activities .. 100 – – 90 80 60 100 –

Insurance carriers and related activities ...... 100 – – 78 90 60 85 –

Professional and business services ..................... 100 – – 91 90 60 90 –

Education and health services ............................. 100 – – 91 80 60 90 –

Educational services ........................................ 100 – – 93 90 70 100 –

Junior colleges, colleges, and universities ... 100 – – 92 90 70 90 –

Healthcare and social assistance .................... 100 – – 91 80 60 90 –

1 to 99 workers ........................................................ 100 – – 88 80 60 90 –

1 to 49 workers .................................................... 100 10 80 90 80 60 80 –

50 to 99 workers .................................................. 100 – – 82 80 60 90 –

100 workers or more ................................................ 100 – – 87 80 60 90 –

100 to 499 workers .............................................. 100 – – 88 80 60 90 –

500 workers or more ............................................ 100 – – 87 85 60 90 –

Geographic area

New England ........................................................... 100 8 80 92 90 70 90 –

Middle Atlantic ......................................................... 100 – – 81 90 60 100 –

East North Central ................................................... 100 – – 92 80 60 90 –

West North Central .................................................. 100 – – 83 80 60 90 –

South Atlantic ........................................................... 100 – – 86 80 60 90 –

East South Central ................................................... 100 – – 90 80 60 90 –

West South Central .................................................. 100 9 80 91 80 60 90 –

Mountain .................................................................. 100 – – 93 85 60 90 –

Pacific ...................................................................... 100 – – 85 80 60 90 –

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 10. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2012

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 ............................................................... – – 1.2 0.0 0.0 0.0 –

Management, professional, and related .................. – – 1.6 4.3 0.0 0.0 –

Management, business, and financial ................. – – 2.3 5.2 0.0 0.0 –

Professional and related ...................................... – – 1.8 7.0 0.0 2.6 –

Service ..................................................................... 3.8 5.5 3.8 0.0 1.0 0.0 –

Protective service ................................................ – – 1.8 0.0 7.1 10.0 –

Sales and office ....................................................... – – 1.5 0.0 0.0 0.0 –

Sales and related ................................................. 1.8 0.0 1.8 0.0 0.0 9.4 –

Office and administrative support ........................ – – 1.8 0.0 0.0 0.0 –

Natural resources, construction, and maintenance – – 4.1 0.0 0.0 12.3 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 5.4 0.0 0.0 0.0 –

Installation, maintenance, and repair ................... – – 5.3 0.0 0.0 2.0 –

Production, transportation, and material moving ..... – – 2.3 0.0 0.0 10.1 –

Production ............................................................ 3.1 0.0 3.1 0.0 0.0 6.5 –

Transportation and material moving .................... – – 3.0 0.0 0.0 0.0 –

Full time ................................................................... – – 1.1 0.0 0.0 0.0 –

Part time .................................................................. – – 5.0 0.0 0.0 8.6 –

Union ....................................................................... – – 5.0 6.8 0.0 0.0 –

Nonunion ................................................................. – – 1.1 0.0 0.0 0.0 –

Average wage within the following categories:1

Lowest 25 percent ............................................... – – 3.4 0.0 0.0 1.4 –

Second 25 percent ............................................... – – 1.6 0.0 0.0 0.0 –

Third 25 percent ................................................... – – 1.6 0.0 0.0 0.0 –

Highest 25 percent ............................................... – – 1.8 6.9 0.0 0.0 –

Highest 10 percent ........................................... – – 2.2 7.1 0.0 0.0 –

Establishment characteristic

Goods-producing industries ..................................... – – 1.8 0.0 0.0 0.0 –

Construction ......................................................... – – 4.8 0.0 0.0 – –

Manufacturing ...................................................... 2.1 0.0 2.1 0.0 0.0 0.0 –

Service-providing industries ..................................... – – 1.5 0.0 0.0 0.0 –

Trade, transportation, and utilities ....................... 2.3 0.0 2.3 0.0 0.0 9.6 –

Wholesale trade ............................................... 5.6 0.0 5.6 0.0 0.0 – –

Retail trade ...................................................... 3.1 0.0 3.1 0.0 8.3 – –

Information ........................................................... – – 6.2 5.5 0.0 12.6 –

Financial activities ................................................ – – 3.6 3.7 4.6 9.8 –

Finance and insurance .................................... – – 3.6 6.3 10.6 7.8 –

See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2012—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

Credit intermediation and related activities .. – – 4.0 3.9 3.9 7.3 –

Insurance carriers and related activities ...... – – 6.6 1.0 9.8 9.5 –

Professional and business services ..................... – – 2.8 6.8 0.0 0.0 –

Education and health services ............................. – – 2.2 0.0 0.0 10.2 –

Educational services ........................................ – – 2.2 2.2 6.0 13.9 –

Junior colleges, colleges, and universities ... – – 2.5 11.2 9.7 0.0 –

Healthcare and social assistance .................... – – 2.4 0.0 0.0 9.8 –

1 to 99 workers ........................................................ – – 2.1 0.0 0.0 9.3 –

1 to 49 workers .................................................... 2.1 0.0 2.1 0.0 0.0 8.6 –

50 to 99 workers .................................................. – – 4.3 0.0 0.0 0.0 –

100 workers or more ................................................ – – 1.1 0.0 0.0 0.0 –

100 to 499 workers .............................................. – – 1.8 0.0 0.0 7.1 –

500 workers or more ............................................ – – 1.9 5.8 0.0 3.7 –

Geographic area

New England ........................................................... 2.4 0.0 2.4 0.0 7.9 13.3 –

Middle Atlantic ......................................................... – – 6.3 0.0 11.4 4.8 –

East North Central ................................................... – – 2.6 0.0 0.0 0.0 –

West North Central .................................................. – – 5.3 0.0 0.0 0.0 –

South Atlantic ........................................................... – – 2.3 0.0 0.0 0.0 –

East South Central ................................................... – – 4.0 0.0 0.0 13.7 –

West South Central .................................................. 2.3 0.0 2.3 0.0 0.0 0.0 –

Mountain .................................................................. – – 3.6 8.7 11.6 0.0 –

Pacific ...................................................................... – – 2.7 0.0 0.0 0.0 –

1 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and below

the threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2012."

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/glossary20122013.htm.
Table 11. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National

Compensation Survey, 2012

(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 87 $1,000 $1,500 $2,000 $2,750 $3,900 12 1

Management, professional, and related .................. 100 85 1,000 1,500 2,000 2,750 3,500 14 1

Management, business, and financial ................. 100 84 1,000 1,500 2,000 2,900 3,500 – –

Professional and related ...................................... 100 86 900 1,400 2,000 2,650 4,000 13 1

Service ..................................................................... 100 85 – – – – – 15 1

Protective service ................................................ 100 90 – 2,000 2,000 2,000 – – –

Sales and office ....................................................... 100 90 950 1,500 2,000 2,500 3,500 10 1 ( )

Sales and related ................................................. 100 92 1,000 1,500 2,300 3,000 4,000 7 1

Office and administrative support ........................ 100 89 950 1,495 2,000 2,500 3,500 11 1 ( )

Natural resources, construction, and maintenance 100 84 – – – – – 15 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 83 1,000 1,200 1,700 2,500 4,000 – –

Installation, maintenance, and repair ................... 100 86 – – – – – – –

Production, transportation, and material moving ..... 100 88 1,000 1,500 2,000 2,900 3,750 11 1

Production ............................................................ 100 86 1,000 1,500 2,000 3,000 4,000 11 3

Transportation and material moving .................... 100 90 1,000 1,200 2,000 2,900 3,750 10 1 ( )

Full time ................................................................... 100 87 1,000 1,500 2,000 2,800 4,000 12 1

Part time .................................................................. 100 86 950 1,250 2,000 2,300 3,250 14 1 ( )

Union ....................................................................... 100 72 – 1,000 1,500 2,250 3,500 28 1 ( )

Nonunion ................................................................. 100 89 1,000 1,500 2,000 2,900 4,000 10 1

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 91 1,000 1,500 2,000 3,000 4,325 8 1

Second 25 percent ............................................... 100 89 1,000 1,500 2,000 3,000 4,000 10 1

Third 25 percent ................................................... 100 86 1,000 1,500 2,000 2,800 4,250 13 1 ( )

Highest 25 percent ............................................... 100 84 950 1,200 1,900 2,500 3,400 15 1

Highest 10 percent ........................................... 100 86 1,000 1,200 1,900 2,500 3,200 12 1

Establishment characteristic

Goods-producing industries ..................................... 100 87 900 1,450 2,000 2,650 4,000 11 1

Construction ......................................................... 100 81 1,000 1,300 2,000 2,500 3,500 19 –

Manufacturing ...................................................... 100 89 800 1,450 2,000 2,650 4,000 10 2

Service-providing industries ..................................... 100 87 1,000 1,500 2,000 2,800 3,800 13 1

Trade, transportation, and utilities ....................... 100 94 1,000 1,500 2,200 2,900 3,600 6 1

Wholesale trade ............................................... 100 94 – – – – – 6 –

Retail trade ...................................................... 100 94 1,000 2,000 2,300 3,250 4,000 – –

Information ........................................................... 100 75 900 1,000 1,900 2,800 – 25 –

Financial activities ................................................ 100 84 850 1,250 2,000 2,500 3,500 15 1

Finance and insurance .................................... 100 86 750 1,200 2,000 2,500 3,300 13 1

See footnotes at end of table.
Table 11. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National

Compensation Survey, 2012—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

Credit intermediation and related activities .. 100 89 – $1,200 $2,000 $2,500 $3,500 11 –

Insurance carriers and related activities ...... 100 87 $1,000 1,500 2,000 2,500 3,000 12 1

Professional and business services ..................... 100 87 – – – – – – –

Education and health services ............................. 100 85 1,000 1,500 2,000 2,600 4,250 14 2

Educational services ........................................ 100 70 – 1,000 1,500 2,000 2,650 30 –

Junior colleges, colleges, and universities ... 100 77 – 1,000 1,500 2,000 2,650 23 –

Healthcare and social assistance .................... 100 86 1,000 1,500 2,000 2,750 4,250 12 2

1 to 99 workers ........................................................ 100 87 1,000 1,500 2,000 3,000 4,250 12 1

1 to 49 workers .................................................... 100 86 1,000 1,500 2,000 3,000 4,250 13 1

50 to 99 workers .................................................. 100 89 1,000 1,500 2,200 3,000 5,000 11 1 ( )

100 workers or more ................................................ 100 87 900 1,250 2,000 2,500 3,500 13 1

100 to 499 workers .............................................. 100 90 950 1,500 2,000 2,700 3,500 10 1

500 workers or more ............................................ 100 83 775 1,100 1,750 2,400 3,400 16 1 ( )

Geographic area

New England ........................................................... 100 77 – – – – – 23 –

Middle Atlantic ......................................................... 100 66 750 1,300 1,750 2,500 4,000 34 1

East North Central ................................................... 100 90 700 1,050 2,000 2,650 3,500 – –

West North Central .................................................. 100 94 – – – – – – –

South Atlantic ........................................................... 100 89 1,000 1,500 2,000 2,750 3,600 10 1 ( )

East South Central ................................................... 100 90 950 1,000 1,700 2,500 3,750 – –

West South Central .................................................. 100 94 1,000 2,000 2,300 3,000 4,000 4 1

Mountain .................................................................. 100 89 1,000 1,500 1,650 2,300 3,000 – –

Pacific ...................................................................... 100 90 1,000 1,500 2,000 2,800 4,250 – –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 11. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry

workers, National Compensation Survey, 2012

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 $10 $1 $0 $127 $306 1.1 0.3

Management, professional, and related .................. 2.6 73 179 0 188 435 2.7 0.4

Management, business, and financial ................. 5.0 0 115 0 250 179 – –

Professional and related ...................................... 2.0 134 196 123 219 621 2.0 0.3

Service ..................................................................... 4.3 – – – – – 4.3 0.4

Protective service ................................................ 6.8 – 70 0 39 – – –

Sales and office ....................................................... 1.4 99 78 0 200 228 1.4 0.2

Sales and related ................................................. 1.9 141 34 31 212 95 1.8 0.5

Office and administrative support ........................ 1.7 114 304 0 0 124 1.7 0.2

Natural resources, construction, and maintenance 3.9 – – – – – 3.9 0.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 5.3 0 185 382 487 564 – –

Installation, maintenance, and repair ................... 4.8 – – – – – – –

Production, transportation, and material moving ..... 2.3 10 88 0 214 254 2.1 1.1

Production ............................................................ 3.5 163 0 0 427 532 3.1 2.0

Transportation and material moving .................... 2.2 0 268 20 181 334 2.2 1 ( )

Full time ................................................................... 1.2 10 0 0 196 314 1.2 0.3

Part time .................................................................. 3.2 88 298 101 101 388 3.2 1 ( )

Union ....................................................................... 4.3 – 0 104 160 403 4.3 0.2

Nonunion ................................................................. 1.2 0 0 0 214 313 1.2 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 1.9 137 0 289 28 382 1.9 0.3

Second 25 percent ............................................... 2.0 0 10 14 238 498 2.0 0.6

Third 25 percent ................................................... 1.6 31 29 0 221 343 1.5 0.2

Highest 25 percent ............................................... 2.2 100 92 166 66 269 2.3 0.5

Highest 10 percent ........................................... 2.3 83 179 197 198 420 2.1 0.9

Establishment characteristic

Goods-producing industries ..................................... 2.1 112 175 39 146 406 2.0 0.9

Construction ......................................................... 5.1 97 171 174 71 531 5.1 –

Manufacturing ...................................................... 2.3 150 176 158 185 568 2.1 1.2

Service-providing industries ..................................... 1.5 10 0 0 183 334 1.5 0.2

Trade, transportation, and utilities ....................... 1.4 0 39 84 168 110 1.3 0.3

Wholesale trade ............................................... 1.8 – – – – – 1.8 –

Retail trade ...................................................... 1.8 263 490 0 175 171 – –

Information ........................................................... 7.2 88 107 422 374 – 7.2 –

Financial activities ................................................ 2.5 224 139 0 109 305 2.4 0.6

Finance and insurance .................................... 1.9 217 117 20 164 362 1.7 0.7

See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry

workers, National Compensation Survey, 2012—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 2.2 – $48 $63 $235 $306 2.2 –

Insurance carriers and related activities ...... 3.6 $179 55 190 421 441 3.4 1.1

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

Education and health services ............................. 2.2 0 0 0 401 637 2.1 0.9

Educational services ........................................ 6.3 – 69 88 182 234 6.3 –

Junior colleges, colleges, and universities ... 4.3 – 111 99 324 29 4.3 –

Healthcare and social assistance .................... 2.1 42 10 0 440 404 1.8 1.0

1 to 99 workers ........................................................ 2.2 0 0 91 0 540 2.2 0.6

1 to 49 workers .................................................... 2.9 0 0 0 0 281 2.8 0.8

50 to 99 workers .................................................. 3.0 128 0 402 130 441 3.0 1 ( )

100 workers or more ................................................ 1.3 118 80 17 0 77 1.3 0.2

100 to 499 workers .............................................. 1.3 120 132 0 231 88 1.3 0.3

500 workers or more ............................................ 2.5 151 137 94 147 396 2.5 0.2

Geographic area

New England ........................................................... 3.5 – – – – – 3.5 –

Middle Atlantic ......................................................... 3.5 143 289 181 331 163 3.9 0.5

East North Central ................................................... 3.2 150 175 122 185 33 – –

West North Central .................................................. 2.4 – – – – – – –

South Atlantic ........................................................... 2.9 0 69 0 268 193 2.9 0.1

East South Central ................................................... 3.9 212 215 383 284 601 – –

West South Central .................................................. 1.4 234 455 101 187 932 1.1 0.6

Mountain .................................................................. 3.3 139 0 343 285 429 – –

Pacific ...................................................................... 3.8 61 0 166 355 519 – –

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 12. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation

Survey, 2012

(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 81 $2,000 $3,000 $4,050 $6,000 $8,500 19 1

Management, professional, and related .................. 100 83 2,000 3,000 4,000 6,000 8,000 16 1

Management, business, and financial ................. 100 82 2,000 3,000 4,000 6,000 7,000 – –

Professional and related ...................................... 100 83 2,000 3,000 4,000 6,000 8,500 16 1

Service ..................................................................... 100 73 – – – – – 26 1

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

Sales and office ....................................................... 100 84 2,000 3,000 4,000 5,725 7,500 15 1 ( )

Sales and related ................................................. 100 86 2,000 3,000 4,600 6,000 8,000 13 1

Office and administrative support ........................ 100 83 2,000 3,000 4,000 5,500 7,500 16 1 ( )

Natural resources, construction, and maintenance 100 80 – – – – – 20 1 ( )

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 76 2,000 2,990 3,600 4,800 – – –

Installation, maintenance, and repair ................... 100 82 – – – – – – –

Production, transportation, and material moving ..... 100 77 2,000 3,000 4,050 6,000 9,000 22 1

Production ............................................................ 100 79 1,600 3,000 4,050 6,000 8,000 18 3

Transportation and material moving .................... 100 73 2,400 3,300 4,050 6,000 10,000 27 1 ( )

Full time ................................................................... 100 82 2,000 3,000 4,050 6,000 8,500 18 1

Part time .................................................................. 100 69 2,200 3,000 4,100 5,000 7,000 31 1 ( )

Union ....................................................................... 100 56 1,400 2,700 3,100 5,000 6,000 44 1 ( )

Nonunion ................................................................. 100 85 2,000 3,000 4,350 6,000 8,625 15 1

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 81 2,000 3,000 4,600 6,000 8,700 19 1

Second 25 percent ............................................... 100 80 2,200 3,000 4,600 7,000 9,000 20 1

Third 25 percent ................................................... 100 82 2,000 3,000 4,200 6,000 8,700 18 1 ( )

Highest 25 percent ............................................... 100 81 2,000 3,000 4,000 5,500 7,500 18 1

Highest 10 percent ........................................... 100 84 2,000 3,000 4,000 5,500 7,500 15 1

Establishment characteristic

Goods-producing industries ..................................... 100 82 1,900 3,000 4,000 5,400 8,000 17 1

Construction ......................................................... 100 76 2,600 3,000 4,000 5,000 6,750 24 –

Manufacturing ...................................................... 100 83 1,600 3,000 4,000 5,000 8,000 15 2

Service-providing industries ..................................... 100 80 2,000 3,000 4,400 6,000 8,900 19 1

Trade, transportation, and utilities ....................... 100 83 2,400 3,500 4,600 6,000 8,000 17 1

Wholesale trade ............................................... 100 92 – – – – – 8 –

Retail trade ...................................................... 100 86 3,000 4,000 4,600 6,500 8,300 – –

Information ........................................................... 100 73 – 3,000 4,500 6,000 7,500 27 –

Financial activities ................................................ 100 81 – 3,000 4,000 5,000 7,000 18 1

Finance and insurance .................................... 100 85 1,500 3,000 4,000 5,000 7,000 14 1

See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation

Survey, 2012—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

Credit intermediation and related activities .. 100 89 – $3,000 $4,000 $6,000 $7,000 11 –

Insurance carriers and related activities ...... 100 84 $2,000 3,300 4,000 5,000 6,400 15 1

Professional and business services ..................... 100 86 – – – – – – –

Education and health services ............................. 100 75 2,000 3,000 4,000 6,000 8,500 23 2

Educational services ........................................ 100 68 1,600 2,000 3,000 4,500 5,300 32 –

Junior colleges, colleges, and universities ... 100 76 – – 3,000 4,500 5,500 24 –

Healthcare and social assistance .................... 100 76 2,000 3,000 4,500 6,500 8,500 22 2

1 to 99 workers ........................................................ 100 83 2,300 3,000 5,000 7,000 9,000 16 1

1 to 49 workers .................................................... 100 82 2,000 3,000 5,000 7,000 9,000 17 1

50 to 99 workers .................................................. 100 86 3,000 3,000 4,400 6,000 9,750 14 1 ( )

100 workers or more ................................................ 100 79 1,760 3,000 4,000 5,400 7,500 21 1

100 to 499 workers .............................................. 100 82 2,000 3,000 4,000 5,725 8,000 18 1

500 workers or more ............................................ 100 75 1,650 3,000 3,600 5,000 7,000 25 1 ( )

Geographic area

New England ........................................................... 100 77 – – – – – 23 –

Middle Atlantic ......................................................... 100 57 2,000 3,000 3,900 5,800 8,000 42 1

East North Central ................................................... 100 85 1,200 2,500 3,900 5,750 7,000 – –

West North Central .................................................. 100 92 – – – – – – –

South Atlantic ........................................................... 100 83 2,500 3,000 4,050 6,000 8,000 17 1 ( )

East South Central ................................................... 100 82 2,000 3,000 4,000 5,500 8,625 – –

West South Central .................................................. 100 86 2,400 4,000 5,000 6,750 10,000 13 1

Mountain .................................................................. 100 82 – 3,000 3,800 5,000 6,000 18 –

Pacific ...................................................................... 100 86 2,300 3,200 4,600 6,000 8,500 – –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry

workers, National Compensation Survey, 2012

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 ............................................................... 1.6 $0 $0 $186 $0 $487 1.6 0.3

Management, professional, and related .................. 2.7 0 0 20 29 845 2.8 0.4

Management, business, and financial ................. 5.0 300 0 55 42 275 – –

Professional and related ...................................... 2.3 114 0 198 351 575 2.3 0.3

Service ..................................................................... 5.9 – – – – – 5.9 0.4

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

Sales and office ....................................................... 1.5 199 0 388 359 232 1.5 0.2

Sales and related ................................................. 2.7 132 54 20 201 343 2.6 0.5

Office and administrative support ........................ 1.7 385 0 0 299 402 1.7 0.2

Natural resources, construction, and maintenance 4.5 – – – – – 4.5 0.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.5 223 456 750 533 – – –

Installation, maintenance, and repair ................... 5.1 – – – – – – –

Production, transportation, and material moving ..... 2.7 154 0 274 197 971 2.7 1.1

Production ............................................................ 3.9 238 153 298 434 777 3.6 2.0

Transportation and material moving .................... 3.5 544 407 423 1,235 804 3.5 1 ( )

Full time ................................................................... 1.6 0 0 196 0 576 1.6 0.3

Part time .................................................................. 4.6 418 28 411 319 655 4.6 1 ( )

Union ....................................................................... 4.4 342 411 359 401 306 4.5 0.2

Nonunion ................................................................. 1.5 0 0 386 0 470 1.5 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.8 274 20 128 424 969 2.8 0.3

Second 25 percent ............................................... 3.2 353 235 148 1,458 223 3.2 0.6

Third 25 percent ................................................... 1.9 20 0 358 72 822 1.9 0.2

Highest 25 percent ............................................... 2.0 132 0 83 122 508 2.1 0.5

Highest 10 percent ........................................... 2.4 0 3 210 326 708 2.2 0.9

Establishment characteristic

Goods-producing industries ..................................... 2.4 208 0 0 450 1,088 2.4 0.9

Construction ......................................................... 6.5 343 0 207 391 1,349 6.5 –

Manufacturing ...................................................... 2.6 241 194 52 420 1,811 2.4 1.2

Service-providing industries ..................................... 1.9 20 0 426 0 630 2.0 0.2

Trade, transportation, and utilities ....................... 2.2 298 331 0 59 634 2.2 0.3

Wholesale trade ............................................... 2.1 – – – – – 2.1 –

Retail trade ...................................................... 3.5 451 344 105 316 719 – –

Information ........................................................... 7.2 – 0 1,243 198 1,699 7.2 –

Financial activities ................................................ 2.8 – 332 44 477 1,301 2.8 0.6

Finance and insurance .................................... 2.0 400 187 0 389 607 1.8 0.7

See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry

workers, National Compensation Survey, 2012—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 2.2 – $674 $63 $768 $697 2.2 –

Insurance carriers and related activities ...... 3.9 $550 260 55 386 1,867 3.8 1.1

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

Education and health services ............................. 4.5 20 0 696 1,281 400 4.6 0.9

Educational services ........................................ 6.5 278 247 448 300 465 6.5 –

Junior colleges, colleges, and universities ... 4.3 – – 846 636 268 4.3 –

Healthcare and social assistance .................... 5.1 325 78 694 1,398 231 5.1 1.0

1 to 99 workers ........................................................ 2.6 455 0 685 1,179 487 2.5 0.6

1 to 49 workers .................................................... 3.3 278 234 647 1,129 234 3.2 0.8

50 to 99 workers .................................................. 3.4 735 0 405 648 1,005 3.4 1 ( )

100 workers or more ................................................ 2.0 292 0 0 181 280 2.0 0.2

100 to 499 workers .............................................. 2.5 325 0 156 365 690 2.4 0.3

500 workers or more ............................................ 2.8 211 312 194 321 562 2.9 0.2

Geographic area

New England ........................................................... 3.6 – – – – – 3.6 –

Middle Atlantic ......................................................... 3.5 367 0 331 574 258 3.8 0.5

East North Central ................................................... 5.7 320 571 193 392 508 – –

West North Central .................................................. 3.7 – – – – – – –

South Atlantic ........................................................... 3.5 185 294 482 0 837 3.5 0.1

East South Central ................................................... 3.5 405 580 575 549 1,586 – –

West South Central .................................................. 3.5 640 155 284 825 345 3.6 0.6

Mountain .................................................................. 5.0 – 0 734 366 1,219 5.0 –

Pacific ...................................................................... 3.9 378 296 288 927 324 – –

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 13. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2012

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 51 49 – 17 83 – 65 34 1 ( )

Management, professional, and related .................. 53 47 – 12 88 – 63 36 1

Management, business, and financial ................. 48 52 – 10 90 – 64 35 1

Professional and related ...................................... 57 43 – 13 87 – 63 37 1 ( )

Service ..................................................................... 53 47 – 26 74 – 76 24 –

Protective service ................................................ – – – – 75 – 48 52 –

Sales and office ....................................................... 49 51 – 22 78 – 64 35 1

Sales and related ................................................. 57 43 – 35 65 – 62 38 –

Office and administrative support ........................ 45 55 – 16 84 – 65 34 1

Natural resources, construction, and maintenance 48 52 – – 87 – 67 33 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 52 48 – – 87 – 77 – –

Installation, maintenance, and repair ................... 43 57 – – 87 – 58 42 –

Production, transportation, and material moving ..... 52 48 – – 82 – 68 32 1 ( )

Production ............................................................ 53 47 – – 88 – 69 31 1 ( )

Transportation and material moving .................... 50 50 – – 72 – 67 – –

Full time ................................................................... 52 48 – 17 83 – 66 34 1 ( )

Part time .................................................................. 44 56 – – 80 – 56 44 –

Union ....................................................................... 53 47 – – 77 – 69 31 1 ( )

Nonunion ................................................................. 51 49 – 16 84 – 65 35 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 58 42 – – 80 – 65 35 –

Second 25 percent ............................................... 51 49 – 22 78 – 68 31 1 ( )

Third 25 percent ................................................... 54 46 – 18 82 – 65 35 1 ( )

Highest 25 percent ............................................... 47 53 – 13 87 – 65 34 1

Highest 10 percent ........................................... 44 56 – 10 90 – 60 39 1

Establishment characteristic

Goods-producing industries ..................................... 54 46 – – 84 – 73 27 –

Construction ......................................................... 51 49 – – 77 – 79 – –

Manufacturing ...................................................... 54 46 – – 87 – 72 28 –

Service-providing industries ..................................... 51 49 – 17 83 – 63 36 1

Trade, transportation, and utilities ....................... 49 51 – 24 76 – 64 36 1 ( )

Wholesale trade ............................................... – 64 – – 91 – 61 – –

Retail trade ...................................................... 57 43 – 28 72 – 61 39 –

Information ........................................................... – 77 – – 88 – 50 50 1 ( )

Financial activities ................................................ 58 42 – 26 74 – 52 43 5

Finance and insurance .................................... 47 53 – 27 73 – 46 46 8

See footnotes at end of table.
Table 13. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2012—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 47 53 – – 75 – 42 43 14

Insurance carriers and related activities ...... – 58 – – 74 – – – –

Education and health services ............................. 58 42 – – 86 – 56 44 1 ( )

Educational services ........................................ 31 69 – – 94 – 59 41 1 ( )

Junior colleges, colleges, and universities ... 35 65 – – 95 – 49 50 1

Healthcare and social assistance .................... 66 34 – – 83 – 55 45 –

1 to 99 workers ........................................................ 58 42 – 16 84 – 69 31 1 ( )

1 to 49 workers .................................................... 63 37 – 21 79 – 66 34 1 ( )

50 to 99 workers .................................................. 48 52 – – – – 76 24 –

100 workers or more ................................................ 45 55 – 18 82 – 62 37 1

100 to 499 workers .............................................. 53 47 – 15 85 – 58 42 1 ( )

500 workers or more ............................................ 33 67 – 21 79 – 69 30 1

Geographic area

New England ........................................................... 71 – – – 88 – 54 46 –

Middle Atlantic ......................................................... 72 28 – – 87 – 58 42 1 ( )

East North Central ................................................... 44 56 – 27 73 – 76 24 1 ( )

West North Central .................................................. 70 – – – 70 – 81 – –

South Atlantic ........................................................... 50 50 – 16 84 – 48 52 1 ( )

East South Central ................................................... 42 58 – – 73 – 87 – –

West South Central .................................................. 63 – – – 75 – 65 – –

Mountain .................................................................. 42 58 – – 78 – 61 – –

Pacific ...................................................................... 30 70 – 12 88 – 79 19 1

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 13. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,

National Compensation Survey, 2012

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 2.9 2.9 – 1.9 1.9 – 2.5 2.6 0.2

Management, professional, and related .................. 5.5 5.5 – 2.7 2.7 – 4.9 5.0 0.6

Management, business, and financial ................. 8.6 8.6 – 2.8 2.8 – 5.9 6.5 1.2

Professional and related ...................................... 5.4 5.4 – 3.3 3.3 – 6.9 6.9 0.2

Service ..................................................................... 9.2 9.2 – 7.6 7.6 – 5.6 5.6 –

Protective service ................................................ – – – – 15.1 – 11.7 11.7 –

Sales and office ....................................................... 3.7 3.7 – 2.8 2.8 – 3.3 3.3 0.2

Sales and related ................................................. 7.1 7.1 – 6.5 6.5 – 7.1 7.1 –

Office and administrative support ........................ 4.4 4.4 – 2.9 2.9 – 3.2 3.3 0.2

Natural resources, construction, and maintenance 6.7 6.7 – – 5.1 – 6.2 6.2 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 10.7 10.7 – – 8.6 – 9.7 – –

Installation, maintenance, and repair ................... 8.2 8.2 – – 5.8 – 8.1 8.1 –

Production, transportation, and material moving ..... 7.1 7.1 – – 6.6 – 5.7 5.7 1 ( )

Production ............................................................ 9.9 9.9 – – 7.5 – 8.0 8.0 1 ( )

Transportation and material moving .................... 11.0 11.0 – – 8.8 – 10.3 – –

Full time ................................................................... 3.1 3.1 – 1.9 1.9 – 2.7 2.7 0.3

Part time .................................................................. 9.6 9.6 – – 6.1 – 9.9 9.9 –

Union ....................................................................... 7.0 7.0 – – 7.4 – 5.1 5.1 0.1

Nonunion ................................................................. 3.2 3.2 – 1.9 1.9 – 2.7 2.7 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 7.7 7.7 – – 6.5 – 8.2 8.2 –

Second 25 percent ............................................... 5.2 5.2 – 3.8 3.8 – 3.7 3.8 0.3

Third 25 percent ................................................... 4.9 4.9 – 3.0 3.0 – 4.7 4.6 0.2

Highest 25 percent ............................................... 5.4 5.4 – 2.3 2.3 – 4.1 4.3 0.6

Highest 10 percent ........................................... 7.9 7.9 – 2.7 2.7 – 7.0 7.5 1.1

Establishment characteristic

Goods-producing industries ..................................... 7.5 7.5 – – 5.7 – 4.2 4.2 –

Construction ......................................................... 9.9 9.9 – – 9.8 – 8.0 – –

Manufacturing ...................................................... 9.4 9.4 – – 5.8 – 4.8 4.8 –

Service-providing industries ..................................... 3.4 3.4 – 2.2 2.2 – 3.3 3.3 0.3

Trade, transportation, and utilities ....................... 6.6 6.6 – 4.4 4.4 – 6.2 6.2 1 ( )

Wholesale trade ............................................... – 11.5 – – 4.3 – 13.1 – –

Retail trade ...................................................... 6.2 6.2 – 7.4 7.4 – 7.2 7.2 –

Information ........................................................... – 10.1 – – 5.5 – 9.3 9.3 1 ( )

Financial activities ................................................ 6.7 6.7 – 6.5 6.5 – 7.9 7.6 3.4

Finance and insurance .................................... 6.7 6.7 – 6.1 6.1 – 7.3 6.4 4.8

See footnotes at end of table.
Table 13. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,

National Compensation Survey, 2012—Continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Credit intermediation and related activities .. 9.5 9.5 – – 8.2 – 10.0 7.3 8.8

Insurance carriers and related activities ...... – 13.8 – – 11.8 – – – –

Education and health services ............................. 5.5 5.5 – – 4.5 – 9.0 9.0 0.1

Educational services ........................................ 8.7 8.7 – – 3.4 – 7.6 7.7 0.3

Junior colleges, colleges, and universities ... 3.8 3.8 – – 1.6 – 4.5 4.5 0.6

Healthcare and social assistance .................... 6.4 6.4 – – 5.8 – 10.5 10.5 –

1 to 99 workers ........................................................ 5.3 5.3 – 2.8 2.8 – 4.8 4.8 0.1

1 to 49 workers .................................................... 5.5 5.5 – 3.6 3.6 – 6.5 6.5 0.2

50 to 99 workers .................................................. 9.1 9.1 – – – – 5.6 5.6 –

100 workers or more ................................................ 4.3 4.3 – 2.5 2.5 – 3.2 3.3 0.6

100 to 499 workers .............................................. 6.0 6.0 – 3.5 3.5 – 5.7 5.7 0.5

500 workers or more ............................................ 4.2 4.2 – 3.7 3.7 – 2.6 2.6 0.6

Geographic area

New England ........................................................... 12.1 – – – 8.4 – 10.2 10.2 –

Middle Atlantic ......................................................... 4.9 4.9 – – 4.9 – 5.5 5.5 1 ( )

East North Central ................................................... 9.5 9.5 – 5.2 5.2 – 5.2 5.2 0.1

West North Central .................................................. 9.5 – – – 19.1 – 7.0 – –

South Atlantic ........................................................... 9.1 9.1 – 3.8 3.8 – 6.2 6.2 1 ( )

East South Central ................................................... 8.8 8.8 – – 5.3 – 8.1 – –

West South Central .................................................. 17.0 – – – 16.6 – 14.7 – –

Mountain .................................................................. 8.8 8.8 – – 6.6 – 11.7 – –

Pacific ...................................................................... 2.7 2.7 – 2.7 2.7 – 3.3 3.9 1.1

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 14. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National

Compensation Survey, 2012

(All workers participating in health maintenance organizations = 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 65 $1,000 $1,500 $1,500 $2,500 $3,500 34 1 ( )

Management, professional, and related .................. 100 63 1,000 1,200 1,500 2,000 3,000 36 1

Management, business, and financial ................. 100 64 1,000 1,200 1,500 2,000 3,000 35 1

Professional and related ...................................... 100 63 1,000 1,400 1,500 2,000 – 37 1 ( )

Service ..................................................................... 100 76 1,500 1,500 – 4,000 5,000 24 –

Protective service ................................................ 100 48 1,500 1,500 – 3,000 3,000 52 –

Sales and office ....................................................... 100 64 1,000 1,500 1,500 – 2,750 35 1

Sales and related ................................................. 100 62 – 1,150 1,500 2,000 2,500 38 –

Office and administrative support ........................ 100 65 1,000 1,500 1,500 – 2,750 34 1

Natural resources, construction, and maintenance 100 67 1,200 1,750 2,000 3,000 – 33 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 77 – 1,750 2,000 3,000 – – –

Installation, maintenance, and repair ................... 100 58 – – 2,000 – 5,000 42 –

Production, transportation, and material moving ..... 100 68 1,000 1,500 1,500 2,500 3,000 32 1 ( )

Production ............................................................ 100 69 1,000 1,500 1,500 2,000 2,500 31 1 ( )

Transportation and material moving .................... 100 67 1,500 1,500 – 2,750 – – –

Full time ................................................................... 100 66 1,000 1,500 1,500 2,500 3,500 34 1 ( )

Part time .................................................................. 100 56 1,000 1,500 1,500 – – 44 –

Union ....................................................................... 100 69 1,200 1,500 1,500 – 2,750 31 1 ( )

Nonunion ................................................................. 100 65 1,000 1,500 1,500 2,500 3,500 35 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 65 – 1,500 1,500 – – 35 –

Second 25 percent ............................................... 100 68 1,000 1,500 – 2,500 4,000 31 1 ( )

Third 25 percent ................................................... 100 65 1,000 1,500 1,500 2,500 – 35 1 ( )

Highest 25 percent ............................................... 100 65 1,000 1,500 1,500 2,000 2,750 34 1

Highest 10 percent ........................................... 100 60 1,000 1,500 1,500 – 2,750 39 1

Establishment characteristic

Goods-producing industries ..................................... 100 73 1,200 1,500 1,500 2,500 3,000 27 –

Construction ......................................................... 100 79 1,500 1,750 2,500 3,000 3,500 – –

Manufacturing ...................................................... 100 72 1,000 1,500 1,500 2,000 2,500 28 –

Service-providing industries ..................................... 100 63 1,000 1,500 1,500 2,500 4,000 36 1

Trade, transportation, and utilities ....................... 100 64 1,000 1,500 – 2,750 – 36 1 ( )

Wholesale trade ............................................... 100 61 1,000 – 2,500 – 5,000 – –

Retail trade ...................................................... 100 61 – 1,150 1,500 1,500 2,000 39 –

Information ........................................................... 100 50 750 2,000 2,000 2,000 – 50 1 ( )

Financial activities ................................................ 100 52 1,000 1,000 2,000 2,000 3,000 43 5

Finance and insurance .................................... 100 46 – 1,000 2,000 2,200 3,500 46 8

See footnotes at end of table.
Table 14. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National

Compensation Survey, 2012—Continued

(All workers participating in health maintenance organizations = 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

Credit intermediation and related activities .. 100 42 – $1,000 – $2,200 $3,500 43 14

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

Professional and business services ..................... 100 81 $1,200 1,200 $1,500 2,000 – – –

Education and health services ............................. 100 56 1,000 1,500 1,500 2,500 4,000 44 1 ( )

Educational services ........................................ 100 59 1,250 1,500 1,500 2,000 – 41 1 ( )

Junior colleges, colleges, and universities ... 100 49 1,000 1,500 1,500 – 2,500 50 1

Healthcare and social assistance .................... 100 55 1,000 1,500 1,500 – 4,000 45 –

1 to 99 workers ........................................................ 100 69 1,000 1,500 1,500 2,500 – 31 1 ( )

1 to 49 workers .................................................... 100 66 1,000 – 1,500 2,500 3,000 34 1 ( )

50 to 99 workers .................................................. 100 76 1,200 1,500 – – 5,000 24 –

100 workers or more ................................................ 100 62 1,000 1,500 1,500 2,000 3,000 37 1

100 to 499 workers .............................................. 100 58 1,000 1,500 1,500 2,000 4,000 42 1 ( )

500 workers or more ............................................ 100 69 1,000 1,500 1,500 2,250 3,000 30 1

Geographic area

New England ........................................................... 100 54 – 1,150 – 2,000 – 46 –

Middle Atlantic ......................................................... 100 58 1,000 1,500 1,500 – 4,000 42 1 ( )

East North Central ................................................... 100 76 1,000 – 1,500 – 5,000 24 1 ( )

West North Central .................................................. 100 81 1,200 1,500 1,750 3,000 4,000 – –

South Atlantic ........................................................... 100 48 1,000 1,400 2,000 2,500 3,500 52 1 ( )

East South Central ................................................... 100 87 1,150 – 2,000 – – – –

West South Central .................................................. 100 65 1,000 – – – 5,000 – –

Mountain .................................................................. 100 61 1,500 – – 2,750 2,750 – –

Pacific ...................................................................... 100 79 1,200 1,500 1,500 2,000 2,500 19 1

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 14. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private

industry workers, National Compensation Survey, 2012

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 ............................................................... 2.5 $0 $49 $44 $333 $760 2.6 0.2

Management, professional, and related .................. 4.9 0 266 49 185 762 5.0 0.6

Management, business, and financial ................. 5.9 0 145 240 303 672 6.5 1.2

Professional and related ...................................... 6.9 88 315 0 204 – 6.9 0.2

Service ..................................................................... 5.6 374 0 – 805 1,415 5.6 –

Protective service ................................................ 11.7 139 0 – 196 0 11.7 –

Sales and office ....................................................... 3.3 0 0 0 – 273 3.3 0.2

Sales and related ................................................. 7.1 – 250 0 575 0 7.1 –

Office and administrative support ........................ 3.2 228 0 184 – 306 3.3 0.2

Natural resources, construction, and maintenance 6.2 358 190 274 139 – 6.2 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 9.7 – 219 568 219 – – –

Installation, maintenance, and repair ................... 8.1 – – 589 – 0 8.1 –

Production, transportation, and material moving ..... 5.7 294 83 0 607 255 5.7 1 ( )

Production ............................................................ 8.0 184 317 0 246 500 8.0 1 ( )

Transportation and material moving .................... 10.3 443 0 – 325 – – –

Full time ................................................................... 2.7 0 53 130 346 792 2.7 0.3

Part time .................................................................. 9.9 166 429 0 – – 9.9 –

Union ....................................................................... 5.1 29 294 245 – 147 5.1 0.1

Nonunion ................................................................. 2.7 0 49 110 294 766 2.7 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 8.2 – 0 0 – – 8.2 –

Second 25 percent ............................................... 3.7 0 0 – 233 665 3.8 0.3

Third 25 percent ................................................... 4.7 29 210 69 289 – 4.6 0.2

Highest 25 percent ............................................... 4.1 25 314 196 290 319 4.3 0.6

Highest 10 percent ........................................... 7.0 29 110 85 – 221 7.5 1.1

Establishment characteristic

Goods-producing industries ..................................... 4.2 278 0 277 615 0 4.2 –

Construction ......................................................... 8.0 214 130 505 170 926 – –

Manufacturing ...................................................... 4.8 286 59 0 98 687 4.8 –

Service-providing industries ..................................... 3.3 0 195 85 349 1,027 3.3 0.3

Trade, transportation, and utilities ....................... 6.2 0 168 – 306 – 6.2 1 ( )

Wholesale trade ............................................... 13.1 187 – 0 – 196 – –

Retail trade ...................................................... 7.2 – 255 0 0 463 7.2 –

Information ........................................................... 9.3 0 392 0 260 – 9.3 1 ( )

Financial activities ................................................ 7.9 0 290 294 304 235 7.6 3.4

Finance and insurance .................................... 7.3 – 29 460 256 603 6.4 4.8

See footnotes at end of table.
Table 14. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private

industry workers, National Compensation Survey, 2012—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile 90th percentile

Credit intermediation and related activities .. 10.0 – $0 – $529 $814 7.3 8.8

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

Professional and business services ..................... 8.8 $104 224 $0 190 – – –

Education and health services ............................. 9.0 0 0 235 722 1,038 9.0 0.1

Educational services ........................................ 7.6 358 0 0 555 – 7.7 0.3

Junior colleges, colleges, and universities ... 4.5 0 113 0 – 224 4.5 0.6

Healthcare and social assistance .................... 10.5 0 354 444 – 961 10.5 –

1 to 99 workers ........................................................ 4.8 63 299 322 189 – 4.8 0.1

1 to 49 workers .................................................... 6.5 0 – 354 174 392 6.5 0.2

50 to 99 workers .................................................. 5.6 228 59 – – 294 5.6 –

100 workers or more ................................................ 3.2 68 0 0 461 615 3.3 0.6

100 to 499 workers .............................................. 5.7 108 263 128 560 1,047 5.7 0.5

500 workers or more ............................................ 2.6 111 0 0 473 333 2.6 0.6

Geographic area

New England ........................................................... 10.2 – 223 – 0 – 10.2 –

Middle Atlantic ......................................................... 5.5 239 333 0 – 1,024 5.5 1 ( )

East North Central ................................................... 5.2 0 – 290 – 0 5.2 0.1

West North Central .................................................. 7.0 0 424 264 0 1,034 – –

South Atlantic ........................................................... 6.2 122 310 553 184 0 6.2 1 ( )

East South Central ................................................... 8.1 0 – 517 – – – –

West South Central .................................................. 14.7 0 – – – 0 – –

Mountain .................................................................. 11.7 0 – – 377 310 – –

Pacific ...................................................................... 3.3 197 0 0 0 354 3.9 1.1

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 15. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National

Compensation Survey, 2012

(All workers participating in health maintenance organizations = 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 65 $2,300 $3,000 $3,000 $5,000 $8,000 34 1 ( )

Management, professional, and related .................. 100 63 2,000 2,500 3,000 4,500 7,500 36 1

Management, business, and financial ................. 100 64 2,000 2,400 3,500 4,500 6,000 35 1

Professional and related ...................................... 100 62 2,000 3,000 3,000 5,000 7,500 37 1 ( )

Service ..................................................................... 100 76 3,000 3,000 – 8,000 10,000 24 –

Protective service ................................................ 100 48 3,000 3,000 – 6,000 6,000 52 –

Sales and office ....................................................... 100 64 – 3,000 3,000 4,500 5,500 36 1

Sales and related ................................................. 100 61 – – 3,000 4,000 5,000 39 –

Office and administrative support ........................ 100 65 3,000 3,000 3,500 5,000 6,000 34 1

Natural resources, construction, and maintenance 100 67 3,000 3,500 4,000 6,000 10,000 33 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 77 – 3,500 – 6,000 – – –

Installation, maintenance, and repair ................... 100 58 3,000 4,000 4,450 – 10,000 42 –

Production, transportation, and material moving ..... 100 68 2,000 3,000 3,000 5,000 6,000 32 1 ( )

Production ............................................................ 100 69 2,000 3,000 3,000 4,500 6,000 31 1 ( )

Transportation and material moving .................... 100 66 3,000 3,000 – 5,500 – 34 –

Full time ................................................................... 100 66 2,300 3,000 3,500 5,000 7,500 34 1 ( )

Part time .................................................................. 100 56 2,300 3,000 3,000 4,500 – 44 –

Union ....................................................................... 100 69 2,400 3,000 3,500 5,000 5,500 31 1 ( )

Nonunion ................................................................. 100 65 2,000 3,000 3,000 5,000 8,000 35 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 65 – 3,000 3,000 – 9,400 35 –

Second 25 percent ............................................... 100 68 2,300 3,000 4,000 5,500 8,000 31 1 ( )

Third 25 percent ................................................... 100 64 2,300 3,000 3,000 5,000 – 36 1 ( )

Highest 25 percent ............................................... 100 65 2,400 3,000 3,500 5,000 6,000 35 1

Highest 10 percent ........................................... 100 60 2,400 3,000 3,000 4,500 6,000 39 1

Establishment characteristic

Goods-producing industries ..................................... 100 73 2,400 3,000 3,500 5,000 6,000 27 –

Construction ......................................................... 100 79 3,000 3,500 5,000 6,000 9,000 – –

Manufacturing ...................................................... 100 72 2,000 3,000 3,000 4,500 6,000 28 –

Service-providing industries ..................................... 100 63 2,300 3,000 3,000 5,000 8,000 36 1

Trade, transportation, and utilities ....................... 100 63 – 3,000 – 5,500 – 37 1 ( )

Wholesale trade ............................................... 100 59 – – 5,000 – 10,000 – –

Retail trade ...................................................... 100 60 – 3,000 3,000 3,000 4,000 40 –

Information ........................................................... 100 50 1,500 4,000 4,000 – 6,600 50 1 ( )

Financial activities ................................................ 100 52 2,000 – 4,000 4,400 6,000 43 5

Finance and insurance .................................... 100 46 – 2,000 4,000 4,400 – 46 8

See footnotes at end of table.
Table 15. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National

Compensation Survey, 2012—Continued

(All workers participating in health maintenance organizations = 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

Credit intermediation and related activities .. 100 42 – $2,000 – $4,400 – 43 14

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

Professional and business services ..................... 100 81 $2,400 – $3,000 4,000 – – –

Education and health services ............................. 100 56 2,000 3,000 – 6,000 $8,000 44 1 ( )

Educational services ........................................ 100 59 2,600 3,000 – 4,500 8,000 41 1 ( )

Junior colleges, colleges, and universities ... 100 49 2,000 3,000 3,000 5,000 5,300 51 1

Healthcare and social assistance .................... 100 55 2,000 3,000 3,000 6,000 8,000 45 –

1 to 99 workers ........................................................ 100 69 2,400 3,000 3,500 5,000 – 31 1 ( )

1 to 49 workers .................................................... 100 66 2,400 3,000 3,500 5,000 6,000 34 1 ( )

50 to 99 workers .................................................. 100 76 2,400 3,000 – – 10,000 24 –

100 workers or more ................................................ 100 62 2,000 3,000 3,000 5,000 7,000 37 1

100 to 499 workers .............................................. 100 57 2,000 3,000 3,000 – 8,000 42 1 ( )

500 workers or more ............................................ 100 68 2,500 3,000 – 5,000 6,000 31 1

Geographic area

New England ........................................................... 100 54 – 2,300 – 4,000 – 46 –

Middle Atlantic ......................................................... 100 58 – 3,000 3,000 – 8,000 42 1 ( )

East North Central ................................................... 100 76 2,000 – – – 10,000 24 1 ( )

West North Central .................................................. 100 81 2,400 – 4,000 6,000 8,000 – –

South Atlantic ........................................................... 100 48 2,400 3,000 4,000 6,000 9,400 52 1 ( )

East South Central ................................................... 100 86 2,300 – 4,000 – – – –

West South Central .................................................. 100 65 – – – – 10,000 – –

Mountain .................................................................. 100 59 3,000 – – 5,000 5,500 – –

Pacific ...................................................................... 100 79 2,500 3,000 3,000 4,500 6,000 19 1

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 15. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private

industry workers, National Compensation Survey, 2012

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 ............................................................... 2.5 $301 $0 $701 $196 $1,637 2.6 0.2

Management, professional, and related .................. 4.9 225 512 439 658 1,770 5.0 0.6

Management, business, and financial ................. 5.9 0 314 746 687 1,578 6.5 1.2

Professional and related ...................................... 6.9 528 682 240 1,152 1,659 6.9 0.2

Service ..................................................................... 5.7 0 0 – 1,471 577 5.7 –

Protective service ................................................ 11.7 277 0 – 310 0 11.7 –

Sales and office ....................................................... 3.4 – 0 367 653 636 3.4 0.2

Sales and related ................................................. 7.2 – – 0 1,122 0 7.2 –

Office and administrative support ........................ 3.2 0 0 879 564 1,072 3.3 0.2

Natural resources, construction, and maintenance 6.2 807 240 1,110 1,794 743 6.2 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 9.7 – 340 – 0 – – –

Installation, maintenance, and repair ................... 8.1 340 855 868 – 0 8.1 –

Production, transportation, and material moving ..... 5.7 577 166 589 380 260 5.7 1 ( )

Production ............................................................ 8.0 368 634 196 367 1,057 8.0 1 ( )

Transportation and material moving .................... 10.2 893 0 – 628 – 10.2 –

Full time ................................................................... 2.7 336 0 785 219 1,324 2.7 0.3

Part time .................................................................. 9.9 129 658 0 1,178 – 9.9 –

Union ....................................................................... 5.1 20 487 754 980 196 5.1 0.1

Nonunion ................................................................. 2.7 402 0 891 196 1,037 2.7 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 8.2 – 0 139 – 1,813 8.2 –

Second 25 percent ............................................... 3.7 475 0 712 658 927 3.8 0.3

Third 25 percent ................................................... 4.7 395 0 695 345 – 4.6 0.2

Highest 25 percent ............................................... 4.1 466 247 690 589 498 4.3 0.6

Highest 10 percent ........................................... 7.0 20 55 450 773 620 7.5 1.1

Establishment characteristic

Goods-producing industries ..................................... 4.2 556 0 643 277 0 4.2 –

Construction ......................................................... 8.0 572 277 651 340 2,459 – –

Manufacturing ...................................................... 4.8 571 118 785 170 1,020 4.8 –

Service-providing industries ..................................... 3.3 373 0 460 331 1,438 3.3 0.3

Trade, transportation, and utilities ....................... 6.5 – 0 – 643 – 6.5 1 ( )

Wholesale trade ............................................... 13.8 – – 392 – 0 – –

Retail trade ...................................................... 7.2 – 659 0 0 680 7.2 –

Information ........................................................... 9.3 0 707 0 – 1,135 9.3 1 ( )

Financial activities ................................................ 7.9 0 – 69 1,224 288 7.6 3.4

Finance and insurance .................................... 7.3 – 221 539 483 – 6.4 4.8

See footnotes at end of table.
Table 15. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private

industry workers, National Compensation Survey, 2012—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. 10.0 – $0 – $1,031 – 7.3 8.8

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

Professional and business services ..................... 8.8 $0 – $0 294 – – –

Education and health services ............................. 9.0 547 0 – 1,508 $866 9.0 0.1

Educational services ........................................ 7.7 647 0 – 936 2,176 7.7 0.3

Junior colleges, colleges, and universities ... 4.5 0 0 340 729 776 4.5 0.6

Healthcare and social assistance .................... 10.5 470 342 888 1,654 1,618 10.5 –

1 to 99 workers ........................................................ 4.8 111 0 734 170 – 4.8 0.1

1 to 49 workers .................................................... 6.5 0 0 641 0 1,043 6.5 0.2

50 to 99 workers .................................................. 5.6 456 118 – – 196 5.6 –

100 workers or more ................................................ 3.3 332 0 428 804 1,852 3.3 0.6

100 to 499 workers .............................................. 5.7 210 526 491 – 1,490 5.7 0.5

500 workers or more ............................................ 2.8 318 0 – 646 0 2.8 0.6

Geographic area

New England ........................................................... 10.2 – 446 – 0 – 10.2 –

Middle Atlantic ......................................................... 5.5 – 0 0 – 500 5.5 1 ( )

East North Central ................................................... 5.3 0 – – – 0 5.3 0.1

West North Central .................................................. 7.0 0 – 899 1,711 1,814 – –

South Atlantic ........................................................... 6.2 525 695 537 677 0 6.2 1 ( )

East South Central ................................................... 7.9 96 – 752 – – – –

West South Central .................................................. 14.7 – – – – 0 – –

Mountain .................................................................. 12.2 0 – – 605 240 – –

Pacific ...................................................................... 3.4 454 0 416 197 450 4.0 1.1

1 Less than 0.05. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 16. High deductible health plans:1

 Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2012

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... $1,250 $1,500 $2,000 $2,700 $3,000

Management, professional, and related .................. 1,200 1,500 1,800 2,500 3,000

Management, business, and financial ................. 1,200 1,500 2,000 2,500 –

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

Service ..................................................................... 1,300 1,500 2,000 3,000 –

Sales and office ....................................................... 1,500 1,500 2,500 2,700 3,500

Sales and related ................................................. 1,500 1,500 2,500 2,700 3,000

Office and administrative support ........................ 1,450 1,500 2,000 3,000 5,000

Natural resources, construction, and maintenance 1,500 1,500 2,500 3,000 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 1,200 1,500 – 3,500 5,000

Installation, maintenance, and repair ................... 1,500 – 2,500 3,000 3,000

Production, transportation, and material moving ..... 1,300 1,500 2,000 2,500 3,000

Production ............................................................ 1,250 1,500 1,800 2,500 3,000

Transportation and material moving .................... 1,500 1,500 2,000 2,700 3,500

Full time ................................................................... 1,250 1,500 2,000 2,700 3,000

Part time .................................................................. 1,250 1,500 2,000 2,700 2,700

Union ....................................................................... 1,200 1,300 1,500 2,000 –

Nonunion ................................................................. 1,250 1,500 2,000 2,700 3,000

Average wage within the following categories:2

Lowest 25 percent ............................................... 1,300 1,500 2,000 2,700 3,000

Second 25 percent ............................................... 1,500 1,500 2,000 2,700 –

Third 25 percent ................................................... 1,300 1,500 2,000 3,000 3,500

Highest 25 percent ............................................... 1,200 1,500 1,650 2,500 3,000

Highest 10 percent ........................................... 1,200 1,500 2,000 2,400 2,700

Establishment characteristic

Goods-producing industries ..................................... 1,300 1,500 2,000 2,500 –

Construction ......................................................... 1,500 1,800 2,500 3,000 5,000

Manufacturing ...................................................... 1,250 1,500 2,000 2,500 3,000

Service-providing industries ..................................... 1,250 1,500 2,000 2,700 3,000

Trade, transportation, and utilities ....................... 1,500 1,500 2,500 2,700 3,000

Wholesale trade ............................................... 1,500 1,500 1,800 2,500 3,500

Retail trade ...................................................... 1,500 1,500 2,700 2,700 3,000

Information ........................................................... 1,200 1,200 1,250 – 2,500

Financial activities ................................................ 1,500 1,500 2,000 2,500 2,700

Finance and insurance .................................... 1,450 1,500 2,000 2,500 3,000

See footnotes at end of table.
Table 16. High deductible health plans:1

 Amount of annual individual deductible, private

industry workers, National Compensation Survey, 2012—Continued

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. $1,500 $1,500 $2,000 $2,500 $3,000

Insurance carriers and related activities ...... 1,450 1,550 2,000 2,500 3,000

Professional and business services ..................... 1,200 1,500 1,500 – 3,000

Education and health services ............................. 1,375 1,500 – – 5,000

Healthcare and social assistance .................... 1,375 1,500 – – 5,000

1 to 99 workers ........................................................ 1,500 1,500 2,000 3,000 5,000

1 to 49 workers .................................................... 1,500 1,500 2,000 3,000 5,000

50 to 99 workers .................................................. 1,300 1,500 2,000 2,000 2,500

100 workers or more ................................................ 1,250 1,500 1,800 2,700 3,000

100 to 499 workers .............................................. 1,250 1,500 2,000 2,700 3,000

500 workers or more ............................................ 1,200 1,450 1,500 2,500 2,700

Geographic area

New England ........................................................... 1,250 1,500 2,000 2,500 2,700

Middle Atlantic ......................................................... 1,200 1,250 – 2,500 3,000

East North Central ................................................... 1,500 1,500 2,500 – 5,000

West North Central .................................................. 1,300 1,500 2,000 3,000 3,000

South Atlantic ........................................................... 1,250 1,500 2,000 2,700 –

East South Central ................................................... 1,500 1,500 2,000 2,500 2,700

West South Central .................................................. 1,450 1,500 2,000 3,000 3,000

Mountain .................................................................. 1,250 1,500 1,500 2,600 –

Pacific ...................................................................... 1,250 1,500 1,500 2,500 3,500

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

typically has a higher deductible and lower premium than a

traditional health plan. An individual plan must have a minimum

deductible of $1,200 to be classified as a HDHP. Normally the plan

includes catastrophic coverage to protect against large medical

expenses, but the insured is responsible for routine out-of-pocket

expenses. 2 Surveyed occupations are classified into wage categories

based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using

data from the National Compensation Survey publication,

"Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 16. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, National Compensation Survey, 2012

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... $49 $0 $0 $112 $587

Management, professional, and related .................. 10 0 237 425 393

Management, business, and financial ................. 54 0 104 0 –

Professional and related ...................................... 0 110 10 0 240

Service ..................................................................... 238 62 0 383 –

Sales and office ....................................................... 0 0 635 156 842

Sales and related ................................................. 0 28 181 0 144

Office and administrative support ........................ 153 0 316 204 1,198

Natural resources, construction, and maintenance 206 283 710 0 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 250 183 – 621 589

Installation, maintenance, and repair ................... 0 – 694 118 0

Production, transportation, and material moving ..... 47 0 267 0 228

Production ............................................................ 65 0 409 28 424

Transportation and material moving .................... 215 0 68 286 755

Full time ................................................................... 87 0 0 204 741

Part time .................................................................. 0 128 270 0 0

Union ....................................................................... 20 102 20 155 –

Nonunion ................................................................. 103 0 0 66 721

Average wage within the following categories:2

Lowest 25 percent ............................................... 268 0 144 0 0

Second 25 percent ............................................... 39 0 0 353 –

Third 25 percent ................................................... 173 0 73 409 1,020

Highest 25 percent ............................................... 14 0 220 398 350

Highest 10 percent ........................................... 10 0 309 377 302

Establishment characteristic

Goods-producing industries ..................................... 224 0 28 325 –

Construction ......................................................... 83 241 170 564 0

Manufacturing ...................................................... 126 0 402 20 405

Service-providing industries ..................................... 48 0 39 35 378

Trade, transportation, and utilities ....................... 0 0 294 0 673

Wholesale trade ............................................... 0 0 263 306 564

Retail trade ...................................................... 96 182 96 0 325

Information ........................................................... 0 20 306 – 0

Financial activities ................................................ 49 0 0 0 315

Finance and insurance .................................... 61 0 0 20 388

See footnotes at end of table.
Table 16. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, National Compensation Survey, 2012—Continued

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Credit intermediation and related activities .. $152 $0 $0 $111 $422

Insurance carriers and related activities ...... 52 34 286 0 643

Professional and business services ..................... 0 93 308 – 0

Education and health services ............................. 154 0 – – 0

Healthcare and social assistance .................... 152 0 – – 0

1 to 99 workers ........................................................ 158 0 0 600 1,428

1 to 49 workers .................................................... 55 0 371 0 589

50 to 99 workers .................................................. 95 0 594 305 537

100 workers or more ................................................ 28 0 82 71 308

100 to 499 workers .............................................. 26 0 232 0 0

500 workers or more ............................................ 59 119 71 183 128

Geographic area

New England ........................................................... 0 0 96 0 468

Middle Atlantic ......................................................... 68 288 – 438 469

East North Central ................................................... 240 125 576 – 196

West North Central .................................................. 137 28 314 583 0

South Atlantic ........................................................... 207 49 0 167 –

East South Central ................................................... 0 0 284 458 294

West South Central .................................................. 225 0 195 424 0

Mountain .................................................................. 250 0 0 664 –

Pacific ...................................................................... 234 0 113 137 340

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

typically has a higher deductible and lower premium than a

traditional health plan. An individual plan must have a minimum

deductible of $1,200 to be classified as a HDHP. Normally the plan

includes catastrophic coverage to protect against large medical

expenses, but the insured is responsible for routine out-of-pocket

expenses. 2 Surveyed occupations are classified into wage categories

based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using

data from the National Compensation Survey publication,

"Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 17. High deductable health plans: Summary of tax-favored accounts,1

private industry workers, National Compensation Survey, 2012

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

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account 4

Worker characteristic

All workers ............................................................... 31 22 36

Management, professional, and related .................. 42 13 46

Management, business, and financial ................. 38 14 37

Professional and related ...................................... 45 12 55

Service ..................................................................... 36 – 32

Sales and office ....................................................... 26 34 30

Sales and related ................................................. 17 52 22

Office and administrative support ........................ 32 24 35

Natural resources, construction, and maintenance – – 29

Production, transportation, and material moving ..... 24 20 35

Production ............................................................ 25 14 42

Transportation and material moving .................... 23 32 –

Full time ................................................................... 32 19 37

Part time .................................................................. – 57 33

Union ....................................................................... 35 27 59

Nonunion ................................................................. 31 21 36

Average wage within the following categories:5

Lowest 25 percent ............................................... 19 32 21

Second 25 percent ............................................... 27 24 32

Third 25 percent ................................................... 33 19 34

Highest 25 percent ............................................... 40 17 49

Highest 10 percent ........................................... 35 19 51

Establishment characteristic

Goods-producing industries ..................................... 24 14 33

Construction ......................................................... – 21 –

Manufacturing ...................................................... 26 – 40

Service-providing industries ..................................... 34 24 38

Trade, transportation, and utilities ....................... 20 42 19

Retail trade ...................................................... 17 55 18

Information ........................................................... – – 66

Financial activities ................................................ 49 21 56

Finance and insurance .................................... 55 19 62

See footnotes at end of table.
Table 17. High deductable health plans: Summary of tax-favored accounts,1

private industry workers, National Compensation Survey, 2012—Continued

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

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account 4

Credit intermediation and related activities .. 53 22 64

Insurance carriers and related activities ...... 56 – 64

Professional and business services ..................... – – 45

Professional and technical services ................. 48 – 60

Education and health services ............................. 40 13 39

Educational services ........................................ – – 51

Junior colleges, colleges, and universities ... 36 – 41

Healthcare and social assistance .................... 41 13 39

1 to 99 workers ........................................................ 33 11 29

1 to 49 workers .................................................... 35 11 26

50 to 99 workers .................................................. 27 12 38

100 workers or more ................................................ 30 35 46

100 to 499 workers .............................................. 25 38 38

500 workers or more ............................................ 39 28 63

Geographic area

New England ........................................................... 37 36 27

East North Central ................................................... 45 17 29

South Atlantic ........................................................... 32 19 44

West South Central .................................................. – – 36

Pacific ...................................................................... 34 22 44

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

that features a higher deductible and lower insurance

premiums than those of traditional health plans. In order to be

classified as a HDHP, the plan must have a minimum of a

$1,200 deductible for individual coverage. The plan includes

catastrophic coverage to protect against large medical

expenses, but the insured is responsible for routine

out-of-pocket expenses up to the deductible. 2 Health savings accounts (HSA) are used in

combination with high deductible health plans to pay for

current and future medical expenses. HSAs are controlled by

the employee, although both employees and employers may

contribute to the account. Accounts can accumulate

tax-deferred interest. 3 Health reimbursement arrangements (HRAs) are

funded solely by the employer to reimburse employees for

any qualified medical expenses. HRAs may be offered with

any medical plan. 

4 Flexible spending accounts (FSAs) allow an employee

to set aside a portion of earnings to pay for qualified medical

expenses. Money is deducted from an employee’s earnings

and is not subject to payroll taxes. Any funds not used by the

end of the plan year are forfeited by the employee. 5 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 17. Standard errors for high deductable health plans: Summary of

tax-favored accounts, private industry workers, National Compensation Survey,

2012

Characteristics Health savings

account1

Health

reimbursement

arrangement2

Flexible spending

account 3

Worker characteristic

All workers ............................................................... 2.8 2.1 2.9

Management, professional, and related .................. 4.4 2.1 5.3

Management, business, and financial ................. 5.3 2.7 5.6

Professional and related ...................................... 5.9 2.7 6.5

Service ..................................................................... 8.7 – 8.1

Sales and office ....................................................... 3.2 4.2 3.8

Sales and related ................................................. 4.4 5.6 5.7

Office and administrative support ........................ 3.9 3.8 4.4

Natural resources, construction, and maintenance – – 8.6

Production, transportation, and material moving ..... 4.3 4.0 5.5

Production ............................................................ 5.3 3.8 7.5

Transportation and material moving .................... 6.2 7.9 –

Full time ................................................................... 2.8 2.0 3.0

Part time .................................................................. – 6.9 6.9

Union ....................................................................... 10.0 6.8 7.6

Nonunion ................................................................. 2.8 2.2 2.9

Average wage within the following categories:4

Lowest 25 percent ............................................... 5.0 4.8 4.7

Second 25 percent ............................................... 3.6 3.2 3.7

Third 25 percent ................................................... 4.7 3.0 4.0

Highest 25 percent ............................................... 3.8 3.0 5.1

Highest 10 percent ........................................... 4.6 4.0 5.9

Establishment characteristic

Goods-producing industries ..................................... 4.1 3.2 5.5

Construction ......................................................... – 5.4 –

Manufacturing ...................................................... 4.9 – 6.5

Service-providing industries ..................................... 3.3 2.4 3.4

Trade, transportation, and utilities ....................... 3.9 4.5 2.9

Retail trade ...................................................... 4.4 5.1 3.3

Information ........................................................... – – 11.1

Financial activities ................................................ 4.8 4.8 6.6

Finance and insurance .................................... 4.7 4.6 5.9

See footnotes at end of table.
Table 17. Standard errors for high deductable health plans: Summary of

tax-favored accounts, private industry workers, National Compensation Survey,

2012—Continued

Characteristics Health savings

account1

Health

reimbursement

arrangement2

Flexible spending

account 3

Credit intermediation and related activities .. 5.4 6.2 7.7

Insurance carriers and related activities ...... 8.9 – 10.6

Professional and business services ..................... – – 8.3

Professional and technical services ................. 8.9 – 9.2

Education and health services ............................. 8.3 3.7 9.1

Educational services ........................................ – – 12.2

Junior colleges, colleges, and universities ... 9.8 – 8.3

Healthcare and social assistance .................... 8.7 3.9 9.5

1 to 99 workers ........................................................ 4.4 2.1 4.2

1 to 49 workers .................................................... 5.0 2.9 4.5

50 to 99 workers .................................................. 7.2 3.2 8.5

100 workers or more ................................................ 2.6 3.7 3.8

100 to 499 workers .............................................. 3.1 4.2 4.2

500 workers or more ............................................ 4.7 6.1 5.2

Geographic area

New England ........................................................... 6.9 5.6 7.7

East North Central ................................................... 6.8 4.5 7.0

South Atlantic ........................................................... 4.8 3.5 7.6

West South Central .................................................. – – 6.2

Pacific ...................................................................... 8.3 5.0 6.1

1 Health savings accounts (HSA) are used in

combination with high deductible health plans to pay for

current and future medical expenses. HSAs are controlled by

the employee, although both employees and employers may

contribute to the account. Accounts can accumulate

tax-deferred interest. 2 Health reimbursement arrangements (HRAs) are

funded solely by the employer to reimburse employees for

any qualified medical expenses. HRAs may be offered with

any medical plan. 3 Flexible spending accounts (FSAs) allow an employee

to set aside a portion of earnings to pay for qualified medical

expenses. Money is deducted from an employee’s earnings

and is not subject to payroll taxes. Any funds not used by the

end of the plan year are forfeited by the employee. 4 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 18. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, National Compensation Survey, 2012

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Formulary

drugs

Worker characteristic

All workers ............................................................... 100 99 83 83

Management, professional, and related .................. 100 98 83 80

Management, business, and financial ................. 100 97 83 84

Professional and related ...................................... 100 99 83 77

Service ..................................................................... 100 99 81 84

Protective service ................................................ 100 98 74 96

Sales and office ....................................................... 100 100 84 86

Sales and related ................................................. 100 100 84 89

Office and administrative support ........................ 100 99 83 85

Natural resources, construction, and maintenance 100 99 83 83

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 100 76 73

Installation, maintenance, and repair ................... 100 99 87 89

Production, transportation, and material moving ..... 100 100 85 83

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

Transportation and material moving .................... 100 100 87 80

Full time ................................................................... 100 99 83 84

Part time .................................................................. 100 100 83 73

Union ....................................................................... 100 99 86 71

Nonunion ................................................................. 100 99 83 85

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 99 82 82

Second 25 percent ............................................... 100 99 82 86

Third 25 percent ................................................... 100 100 81 83

Highest 25 percent ............................................... 100 98 86 82

Highest 10 percent ........................................... 100 99 87 83

Establishment characteristic

Goods-producing industries ..................................... 100 100 87 83

Construction ......................................................... 100 100 77 79

Manufacturing ...................................................... 100 100 90 85

Service-providing industries ..................................... 100 99 82 83

Trade, transportation, and utilities ....................... 100 100 84 85

Wholesale trade ............................................... 100 100 84 88

Retail trade ...................................................... 100 100 78 87

Transportation and warehousing ..................... 100 100 97 78

Utilities ............................................................. 100 95 99 72

Information ........................................................... 100 100 92 91

Financial activities ................................................ 100 98 86 81

Finance and insurance .................................... 100 100 84 82

See footnotes at end of table.
Table 18. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, National Compensation Survey, 2012—Continued

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Formulary

drugs

Credit intermediation and related activities .. 100 100 82 81

Insurance carriers and related activities ...... 100 100 85 82

Real estate and rental and leasing .................. 100 91 92 77

Professional and business services ..................... 100 96 78 87

Professional and technical services ................. 100 93 71 86

Education and health services ............................. 100 100 80 74

Educational services ........................................ 100 100 88 78

Junior colleges, colleges, and universities ... 100 100 85 89

Healthcare and social assistance .................... 100 100 78 73

Leisure and hospitality ......................................... 100 100 88 91

Accommodation and food services .................. 100 100 90 92

Other services ...................................................... 100 100 71 82

1 to 99 workers ........................................................ 100 99 75 83

1 to 49 workers .................................................... 100 98 74 80

50 to 99 workers .................................................. 100 100 80 92

100 workers or more ................................................ 100 99 89 83

100 to 499 workers .............................................. 100 99 88 82

500 workers or more ............................................ 100 99 91 84

Geographic area

New England ........................................................... 100 99 91 94

Middle Atlantic ......................................................... 100 100 88 82

East North Central ................................................... 100 100 81 80

West North Central .................................................. 100 100 80 81

South Atlantic ........................................................... 100 96 77 84

East South Central ................................................... 100 100 84 79

West South Central .................................................. 100 100 84 87

Mountain .................................................................. 100 100 85 89

Pacific ...................................................................... 100 100 88 79

1 Outpatient prescription drug benefits include both

stand-alone drug plans and prescription drug benefits included

as part of a medical plan. 2 Surveyed occupations are classified into wage categories

based on the average wage for the occupation, which may

include workers with earnings both above and below the

threshold. The categories were formed using percentile

estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

Note: For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 18. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, private industry workers, National Compensation Survey, 2012

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Formulary

drugs

Worker characteristic

All workers ............................................................... 2 ( ) 0.5 1.3 1.3

Management, professional, and related .................. 2 ( ) 1.4 1.8 2.2

Management, business, and financial ................. 2 ( ) 3.2 3.4 2.6

Professional and related ...................................... 2 ( ) 0.4 2.4 3.6

Service ..................................................................... 2 ( ) 0.7 4.3 3.5

Protective service ................................................ 2 ( ) 2.1 17.4 2.8

Sales and office ....................................................... 2 ( ) 0.2 1.9 1.7

Sales and related ................................................. 2 ( ) 0.2 3.1 2.2

Office and administrative support ........................ 2 ( ) 0.3 1.9 1.9

Natural resources, construction, and maintenance 2 ( ) 0.4 3.1 3.2

Construction, extraction, farming, fishing, and

forestry ............................................................... 2 ( ) 2 ( ) 5.9 5.3

Installation, maintenance, and repair ................... 2 ( ) 0.8 3.6 3.5

Production, transportation, and material moving ..... 2 ( ) 0.2 2.1 2.0

Production ............................................................ 2 ( ) 0.4 2.7 2.5

Transportation and material moving .................... 2 ( ) 2 ( ) 2.6 2.9

Full time ................................................................... 2 ( ) 0.5 1.3 1.3

Part time .................................................................. 2 ( ) 0.3 3.3 3.9

Union ....................................................................... 2 ( ) 0.4 2.8 3.1

Nonunion ................................................................. 2 ( ) 0.6 1.4 1.4

Average wage within the following categories:3

Lowest 25 percent ............................................... 2 ( ) 0.4 2.3 2.5

Second 25 percent ............................................... 2 ( ) 0.5 2.3 1.9

Third 25 percent ................................................... 2 ( ) 0.2 2.0 2.2

Highest 25 percent ............................................... 2 ( ) 1.3 1.8 1.7

Highest 10 percent ........................................... 2 ( ) 0.3 2.6 2.4

Establishment characteristic

Goods-producing industries ..................................... 2 ( ) 0.2 2.0 2.3

Construction ......................................................... 2 ( ) 2 ( ) 5.1 4.4

Manufacturing ...................................................... 2 ( ) 0.2 2.2 2.3

Service-providing industries ..................................... 2 ( ) 0.6 1.5 1.5

Trade, transportation, and utilities ....................... 2 ( ) 0.1 2.2 1.6

Wholesale trade ............................................... 2 ( ) 2 ( ) 3.8 3.4

Retail trade ...................................................... 2 ( ) 0.2 3.5 2.5

Transportation and warehousing ..................... 2 ( ) 2 ( ) 2.6 4.9

Utilities ............................................................. 2 ( ) 2.1 1.0 5.6

Information ........................................................... 2 ( ) 2 ( ) 3.1 3.5

Financial activities ................................................ 0.1 1.3 2.0 2.6

Finance and insurance .................................... 0.1 0.2 2.0 2.7

See footnotes at end of table.
Table 18. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, private industry workers, National Compensation Survey,

2012—Continued

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Formulary

drugs

Credit intermediation and related activities .. 0.2 0.2 3.3 3.1

Insurance carriers and related activities ...... 2 ( ) 0.4 4.5 4.9

Real estate and rental and leasing .................. 2 ( ) 7.1 6.5 9.9

Professional and business services ..................... 2 ( ) 2.7 4.3 3.2

Professional and technical services ................. 2 ( ) 5.0 5.4 3.3

Education and health services ............................. 2 ( ) 0.3 3.6 4.1

Educational services ........................................ 2 ( ) 0.2 3.6 5.9

Junior colleges, colleges, and universities ... 2 ( ) 2 ( ) 3.1 3.0

Healthcare and social assistance .................... 2 ( ) 0.3 4.3 4.8

Leisure and hospitality ......................................... 2 ( ) 2 ( ) 4.6 4.5

Accommodation and food services .................. 2 ( ) 2 ( ) 4.8 4.8

Other services ...................................................... 2 ( ) 2 ( ) 13.3 8.7

1 to 99 workers ........................................................ 2 ( ) 1.1 2.6 2.4

1 to 49 workers .................................................... 2 ( ) 1.5 3.3 3.2

50 to 99 workers .................................................. 2 ( ) 0.1 3.0 2.3

100 workers or more ................................................ 2 ( ) 0.2 1.0 1.3

100 to 499 workers .............................................. 2 ( ) 0.3 1.4 2.0

500 workers or more ............................................ 2 ( ) 0.2 1.3 1.8

Geographic area

New England ........................................................... 2 ( ) 0.6 5.9 2.6

Middle Atlantic ......................................................... 2 ( ) 0.4 2.7 2.9

East North Central ................................................... 2 ( ) 0.4 3.3 4.4

West North Central .................................................. 2 ( ) 0.1 7.6 7.0

South Atlantic ........................................................... 2 ( ) 2.4 2.8 2.9

East South Central ................................................... 2 ( ) 0.1 3.3 4.4

West South Central .................................................. 2 ( ) 0.1 4.7 2.4

Mountain .................................................................. 2 ( ) 2 ( ) 3.6 3.1

Pacific ...................................................................... 2 ( ) 0.1 1.7 3.9

1 Outpatient prescription drug benefits include both

stand-alone drug plans and prescription drug benefits included

as part of a medical plan. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories

based on the average wage for the occupation, which may

include workers with earnings both above and below the

threshold. The categories were formed using percentile

estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

Note: For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 19. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation

Survey, 2012

(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristic

All workers ............................................................... 84 13 2 $10 78 20 3 $30

Management, professional, and related .................. 85 12 3 10 78 18 4 30

Management, business, and financial ................. 85 12 3 10 80 17 3 30

Professional and related ...................................... 84 12 4 10 76 19 4 30

Service ..................................................................... 79 20 1 10 81 17 1 30

Protective service ................................................ 96 – – 10 94 – – 35

Sales and office ....................................................... 85 13 3 10 73 24 3 30

Sales and related ................................................. 84 14 2 10 68 30 2 30

Office and administrative support ........................ 85 12 3 10 75 21 4 30

Natural resources, construction, and maintenance 87 11 2 10 83 16 2 30

Construction, extraction, farming, fishing, and

forestry ............................................................... 81 15 3 10 79 18 3 25

Installation, maintenance, and repair ................... 91 8 4 ( ) 10 85 15 4 ( ) 30

Production, transportation, and material moving ..... 85 14 1 10 80 19 1 30

Production ............................................................ 86 12 2 10 81 17 2 30

Transportation and material moving .................... 83 17 4 ( ) 10 78 22 4 ( ) 25

Full time ................................................................... 85 13 2 10 79 19 3 30

Part time .................................................................. 79 18 4 10 64 33 4 25

Union ....................................................................... 78 21 2 10 78 20 2 20

Nonunion ................................................................. 85 12 3 10 78 20 3 30

Average wage within the following categories:5

Lowest 25 percent ............................................... 86 11 3 10 78 19 3 30

Second 25 percent ............................................... 82 16 2 10 73 25 2 30

Third 25 percent ................................................... 85 13 2 10 79 18 2 30

Highest 25 percent ............................................... 85 12 3 10 80 17 3 30

Highest 10 percent ........................................... 85 12 3 10 79 17 3 25

Establishment characteristic

Goods-producing industries ..................................... 85 14 2 10 80 18 2 30

Construction ......................................................... 84 12 4 10 80 17 4 30

Manufacturing ...................................................... 84 14 1 10 80 18 2 30

Service-providing industries ..................................... 84 13 3 10 77 20 3 30

Trade, transportation, and utilities ....................... 86 13 1 10 75 24 1 30

Wholesale trade ............................................... 94 6 – 10 91 9 – 25

Retail trade ...................................................... 85 13 2 10 66 32 2 30

Transportation and warehousing ..................... 80 20 – 10 75 25 – 25

Utilities ............................................................. 68 29 3 10 57 40 3 25

Information ........................................................... 89 – – 10 81 19 1 25

Financial activities ................................................ 78 19 3 10 62 32 5 30

Finance and insurance .................................... 77 19 3 10 59 35 6 30

See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation

Survey, 2012—Continued

(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Credit intermediation and related activities .. 80 15 5 $10 50 39 11 $30

Insurance carriers and related activities ...... 73 25 2 10 68 30 2 30

Real estate and rental and leasing .................. 83 – – 10 82 – – 30

Professional and business services ..................... 84 10 6 10 79 15 6 30

Professional and technical services ................. 85 – – 10 78 – – 30

Education and health services ............................. 85 14 1 10 79 20 1 30

Educational services ........................................ 92 7 2 10 91 8 2 25

Junior colleges, colleges, and universities ... 87 11 2 10 89 9 2 25

Healthcare and social assistance .................... 84 15 1 10 77 22 1 30

Leisure and hospitality ......................................... 79 – – 10 98 – – 25

Accommodation and food services .................. 79 – – 10 100 – – 25

Other services ...................................................... 83 – – 10 84 – – 25

1 to 99 workers ........................................................ 86 11 4 10 81 16 4 30

1 to 49 workers .................................................... 83 12 4 10 76 19 5 30

50 to 99 workers .................................................. 92 – – 10 90 – – 30

100 workers or more ................................................ 83 15 1 10 75 23 2 25

100 to 499 workers .............................................. 84 14 2 10 75 23 2 30

500 workers or more ............................................ 81 17 1 10 76 22 2 25

Geographic area

New England ........................................................... 90 10 – 10 82 17 4 ( ) 30

Middle Atlantic ......................................................... 86 13 1 10 82 17 2 30

East North Central ................................................... 80 16 4 10 73 23 4 30

West North Central .................................................. 73 24 3 10 72 26 3 35

South Atlantic ........................................................... 87 10 3 10 80 16 3 30

East South Central ................................................... 82 18 1 10 74 25 1 30

West South Central .................................................. 89 8 3 10 76 21 3 30

Mountain .................................................................. 83 12 5 10 75 20 5 25

Pacific ...................................................................... 86 13 1 10 81 18 1 30

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription

drug benefits included as part of a medical plan. 2 All workers participating in an outpatient prescription drug plan with a generic drug provision

equals 100 percent. 3 All workers participating in an outpatient prescription drug plan with a brand-name drug

provision equals 100 percent. 4 Less than 0.5. 5 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2012

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 ............................................................... 1.1 1.0 0.6 $0 1.3 1.3 0.6 $0

Management, professional, and related .................. 1.3 1.2 1.1 0 2.1 2.3 1.1 0

Management, business, and financial ................. 1.7 1.7 0.9 0 1.8 1.8 1.0 3

Professional and related ...................................... 2.0 1.3 1.8 0 3.6 3.5 1.8 0

Service ..................................................................... 4.3 4.3 0.7 0 3.5 3.4 0.7 0

Protective service ................................................ 2.3 – – 0 2.8 – – 6

Sales and office ....................................................... 1.6 1.3 0.9 0 1.8 1.7 0.9 0

Sales and related ................................................. 2.7 2.5 0.9 0 3.5 3.4 1.0 2

Office and administrative support ........................ 1.6 1.3 1.0 0 2.0 1.9 1.1 0

Natural resources, construction, and maintenance 2.2 2.1 0.9 0 3.0 2.9 0.9 2

Construction, extraction, farming, fishing, and

forestry ............................................................... 5.0 4.5 2.1 0 5.7 5.2 2.1 6

Installation, maintenance, and repair ................... 1.8 1.8 0.3 0 3.1 3.0 0.3 3

Production, transportation, and material moving ..... 2.1 2.2 0.5 0 2.4 2.4 0.6 0

Production ............................................................ 2.4 2.4 0.8 0 2.6 2.6 1.0 0

Transportation and material moving .................... 4.0 4.0 0.1 0 3.8 3.7 0.1 3

Full time ................................................................... 1.1 1.0 0.5 0 1.3 1.4 0.6 0

Part time .................................................................. 4.8 4.3 1.6 0 4.4 4.2 1.6 1

Union ....................................................................... 3.6 3.3 0.8 0 3.0 2.7 0.8 5

Nonunion ................................................................. 1.0 1.0 0.6 0 1.3 1.4 0.6 0

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.7 2.4 1.0 0 2.5 2.3 1.0 1

Second 25 percent ............................................... 2.2 2.2 0.5 0 2.1 2.1 0.5 0

Third 25 percent ................................................... 1.5 1.3 0.7 0 1.8 1.7 0.7 0

Highest 25 percent ............................................... 1.2 1.1 1.0 0 1.5 1.6 1.1 5

Highest 10 percent ........................................... 1.6 1.4 1.4 0 1.9 1.9 1.4 6

Establishment characteristic

Goods-producing industries ..................................... 1.8 1.8 0.6 0 2.1 2.0 0.7 0

Construction ......................................................... 3.9 3.4 2.0 0 5.0 4.5 2.0 3

Manufacturing ...................................................... 2.2 2.1 0.7 0 2.4 2.3 0.8 0

Service-providing industries ..................................... 1.2 1.1 0.7 0 1.3 1.4 0.7 0

Trade, transportation, and utilities ....................... 2.2 2.0 0.6 0 2.8 2.7 0.6 2

Wholesale trade ............................................... 1.8 1.8 – 0 2.4 2.4 – 6

Retail trade ...................................................... 3.1 2.6 1.2 0 3.6 3.4 1.2 0

Transportation and warehousing ..................... 5.4 5.4 – 0 5.7 5.7 – 1

Utilities ............................................................. 5.7 5.7 1.4 1 7.2 7.1 1.4 7

Information ........................................................... 3.6 – – 3 5.5 5.4 0.6 6

Financial activities ................................................ 2.4 2.4 0.9 0 3.6 2.9 1.3 0

Finance and insurance .................................... 2.8 2.8 1.1 0 4.2 3.4 1.5 0

See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2012—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

Credit intermediation and related activities .. 3.8 3.5 1.8 $0 6.5 5.4 2.2 $0

Insurance carriers and related activities ...... 4.8 5.0 1.2 0 4.6 4.7 1.3 0

Real estate and rental and leasing .................. 7.8 – – 0 8.3 – – 4

Professional and business services ..................... 2.8 2.5 2.3 0 3.0 2.9 2.4 0

Professional and technical services ................. 3.9 – – 0 4.7 – – 7

Education and health services ............................. 2.7 2.7 0.5 0 4.0 4.0 0.5 0

Educational services ........................................ 2.4 2.0 0.9 0 2.7 2.1 0.9 0

Junior colleges, colleges, and universities ... 2.9 2.7 1.0 0 2.3 2.0 1.0 3

Healthcare and social assistance .................... 3.2 3.2 0.5 0 4.6 4.6 0.5 0

Leisure and hospitality ......................................... 10.5 – – 3 ( ) 1.7 – – 5

Accommodation and food services .................. 12.0 – – 1 0.4 – – 5

Other services ...................................................... 4.6 – – 3 ( ) 4.6 – – 3

1 to 99 workers ........................................................ 1.9 1.6 1.1 0 2.5 2.3 1.1 0

1 to 49 workers .................................................... 2.4 2.1 1.5 0 3.3 3.0 1.5 0

50 to 99 workers .................................................. 2.6 – – 0 2.8 – – 0

100 workers or more ................................................ 1.3 1.4 0.3 0 1.6 1.7 0.4 2

100 to 499 workers .............................................. 1.7 1.6 0.5 0 2.2 2.2 0.5 3

500 workers or more ............................................ 2.0 2.1 0.4 0 2.3 2.2 0.4 0

Geographic area

New England ........................................................... 2.5 2.5 – 0 3.2 3.5 0.3 5

Middle Atlantic ......................................................... 3.0 2.8 0.7 0 2.2 2.4 0.5 2

East North Central ................................................... 3.7 3.3 1.6 0 4.0 3.6 1.7 0

West North Central .................................................. 3.4 3.7 1.3 0 3.6 3.4 1.3 6

South Atlantic ........................................................... 2.6 2.0 1.8 0 3.1 2.7 1.9 0

East South Central ................................................... 4.6 4.2 0.7 0 4.2 3.9 0.7 8

West South Central .................................................. 2.6 2.4 1.2 0 2.8 2.8 1.3 0

Mountain .................................................................. 4.1 1.6 4.0 0 2.7 2.6 4.3 2

Pacific ...................................................................... 1.8 2.0 0.5 0 4.5 4.6 0.5 7

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription

drug benefits included as part of a medical plan. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

3 Less than 0.5.

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 20. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2012

(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 72 56 21 12 15 1 28 –

Management, professional, and related .................. 100 63 54 21 12 9 1 ( ) 37 –

Management, business, and financial ................. 100 59 53 21 12 6 1 ( ) 41 –

Professional and related ...................................... 100 68 56 21 12 11 1 32 –

Service ..................................................................... 100 84 73 21 12 12 – 16 –

Sales and office ....................................................... 100 71 58 21 12 9 3 29 –

Sales and related ................................................. 100 67 53 21 12 – – 33 –

Office and administrative support ........................ 100 72 60 21 12 11 2 28 –

Natural resources, construction, and maintenance 100 87 61 21 12 25 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 95 59 – 12 36 – – –

Installation, maintenance, and repair ................... 100 77 64 21 12 – – – –

Production, transportation, and material moving ..... 100 72 44 21 12 27 1 28 –

Production ............................................................ 100 65 32 21 12 33 – 35 –

Transportation and material moving .................... 100 79 57 21 12 20 3 – –

Full time ................................................................... 100 71 56 21 12 15 1 ( ) 29 –

Part time .................................................................. 100 79 58 21 12 – – 21 –

Union ....................................................................... 100 85 62 21 12 21 2 15 –

Nonunion ................................................................. 100 63 52 21 12 10 1 ( ) 37 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 84 56 21 12 – – – –

Second 25 percent ............................................... 100 70 53 21 12 16 1 30 –

Third 25 percent ................................................... 100 71 54 21 12 17 1 ( ) 29 –

Highest 25 percent ............................................... 100 71 58 21 12 13 1 ( ) 29 –

Highest 10 percent ........................................... 100 59 48 21 12 – – 41 –

Establishment characteristic

Goods-producing industries ..................................... 100 72 42 21 12 30 1 ( ) 28 –

Construction ......................................................... 100 98 61 – 12 37 – – –

Manufacturing ...................................................... 100 58 32 21 12 25 1 42 –

Service-providing industries ..................................... 100 72 60 21 12 10 1 28 –

Trade, transportation, and utilities ....................... 100 73 53 21 12 15 5 27 –

Wholesale trade ............................................... 100 47 – – – – – 53 –

Retail trade ...................................................... 100 71 45 – 12 – – – –

Transportation and warehousing ..................... 100 88 79 – 12 – – – –

Utilities ............................................................. 100 84 61 20 12 – – – –

Information ........................................................... 100 54 54 – 12 – – 46 –

Financial activities ................................................ 100 70 66 21 12 – – 30 –

Finance and insurance .................................... 100 70 67 21 12 – – 30 –

Credit intermediation and related activities .. 100 66 62 21 12 – – 34 –

Insurance carriers and related activities ...... 100 81 76 21 12 – – 19 –

Professional and business services ..................... 100 68 67 – 12 – – – –

Education and health services ............................. 100 76 59 21 12 17 – 24 –

Educational services ........................................ 100 92 – – – 52 – – –

Junior colleges, colleges, and universities ... 100 79 68 21 12 11 – 21 –

Healthcare and social assistance .................... 100 74 62 21 12 12 – 26 –

See footnotes at end of table.
Table 20. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey,

2012—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 77 54 21 12 23 – 23 –

1 to 49 workers .................................................... 100 72 50 21 12 23 – 28 –

50 to 99 workers .................................................. 100 85 62 21 12 23 – – –

100 workers or more ................................................ 100 70 57 21 12 12 2 30 –

100 to 499 workers .............................................. 100 67 54 21 12 10 3 33 –

500 workers or more ............................................ 100 72 58 21 12 14 1 ( ) 28 –

Geographic area

New England ........................................................... 100 69 57 21 12 – – 31 –

Middle Atlantic ......................................................... 100 76 56 21 12 20 – 24 –

East North Central ................................................... 100 69 51 21 12 17 2 31 –

West North Central .................................................. 100 68 47 21 12 20 1 – –

South Atlantic ........................................................... 100 68 57 21 12 – – – –

East South Central ................................................... 100 78 55 21 12 – – – –

West South Central .................................................. 100 78 58 21 12 – – 22 –

Mountain .................................................................. 100 60 55 21 12 – – 40 –

Pacific ...................................................................... 100 76 63 21 12 13 – 24 –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 20. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National

Compensation Survey, 2012

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 ............................................................... 2.7 2.9 0.0 0.0 1.5 0.4 2.7 –

Management, professional, and related .................. 5.7 5.6 0.0 0.0 1.9 0.2 5.7 –

Management, business, and financial ................. 9.3 9.6 0.0 0.0 1.5 0.3 9.3 –

Professional and related ...................................... 5.1 5.0 0.0 0.0 2.9 0.4 5.1 –

Service ..................................................................... 4.6 6.1 0.0 0.0 2.5 – 4.6 –

Sales and office ....................................................... 3.4 3.5 0.0 0.0 2.2 1.4 3.4 –

Sales and related ................................................. 7.0 7.8 0.0 0.0 – – 7.0 –

Office and administrative support ........................ 3.8 4.1 0.0 0.0 2.4 1.0 3.8 –

Natural resources, construction, and maintenance 4.6 5.6 0.0 0.0 5.1 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 3.2 7.4 – 0.0 7.5 – – –

Installation, maintenance, and repair ................... 8.2 8.4 0.0 0.0 – – – –

Production, transportation, and material moving ..... 4.7 5.0 0.0 0.0 4.2 0.6 4.7 –

Production ............................................................ 6.1 6.3 0.0 0.0 5.4 – 6.1 –

Transportation and material moving .................... 6.4 7.2 0.0 0.0 5.7 1.4 – –

Full time ................................................................... 2.9 3.2 0.0 0.0 1.7 0.1 2.9 –

Part time .................................................................. 4.4 4.1 0.0 0.0 – – 4.4 –

Union ....................................................................... 2.9 3.6 0.0 0.0 2.7 1.1 2.9 –

Nonunion ................................................................. 4.0 4.6 0.0 0.0 2.0 0.1 4.0 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 5.5 5.9 0.0 0.0 – – – –

Second 25 percent ............................................... 4.2 4.2 0.0 0.0 3.3 0.5 4.2 –

Third 25 percent ................................................... 3.1 4.0 0.0 0.0 2.8 0.3 3.1 –

Highest 25 percent ............................................... 3.7 3.9 0.0 0.0 1.7 0.1 3.7 –

Highest 10 percent ........................................... 6.5 6.4 0.0 0.0 – – 6.5 –

Establishment characteristic

Goods-producing industries ..................................... 3.7 4.2 0.0 0.0 4.4 0.2 3.7 –

Construction ......................................................... 1.7 8.4 – 0.0 8.1 – – –

Manufacturing ...................................................... 5.0 6.1 0.0 0.0 4.5 0.3 5.0 –

Service-providing industries ..................................... 3.2 3.1 0.0 0.0 1.2 0.6 3.2 –

Trade, transportation, and utilities ....................... 5.2 4.5 0.0 0.0 3.2 2.1 5.2 –

Wholesale trade ............................................... 13.9 – – – – – 13.9 –

Retail trade ...................................................... 7.5 6.7 – 0.0 – – – –

Transportation and warehousing ..................... 6.9 7.3 – 0.0 – – – –

Utilities ............................................................. 7.5 9.1 1.1 0.0 – – – –

Information ........................................................... 6.7 6.7 – 0.0 – – 6.7 –

Financial activities ................................................ 4.0 3.8 0.0 0.0 – – 4.0 –

Finance and insurance .................................... 4.5 4.2 0.0 0.0 – – 4.5 –

Credit intermediation and related activities .. 6.1 6.8 0.0 0.0 – – 6.1 –

Insurance carriers and related activities ...... 5.6 6.9 0.0 0.0 – – 5.6 –

Professional and business services ..................... 16.5 16.4 – 0.0 – – – –

Education and health services ............................. 4.8 5.4 0.0 0.0 3.1 – 4.8 –

Educational services ........................................ 2.8 – – – 14.1 – – –

Junior colleges, colleges, and universities ... 4.1 5.8 0.0 0.0 3.0 – 4.1 –

Healthcare and social assistance .................... 5.5 6.2 0.0 0.0 1.9 – 5.5 –

See footnotes at end of table.
Table 20. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National

Compensation Survey, 2012—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 ........................................................ 3.9 4.0 0.0 0.0 4.5 – 3.9 –

1 to 49 workers .................................................... 5.0 4.7 0.0 0.0 6.1 – 5.0 –

50 to 99 workers .................................................. 4.8 5.6 0.0 0.0 6.5 – – –

100 workers or more ................................................ 3.4 3.5 0.0 0.0 1.4 0.6 3.4 –

100 to 499 workers .............................................. 7.1 6.8 0.0 0.0 1.8 1.4 7.1 –

500 workers or more ............................................ 2.7 3.2 0.0 0.0 2.1 0.2 2.7 –

Geographic area

New England ........................................................... 6.7 8.5 0.0 0.0 – – 6.7 –

Middle Atlantic ......................................................... 5.1 5.4 0.0 0.0 2.7 – 5.1 –

East North Central ................................................... 4.6 4.9 0.0 0.0 4.8 1.0 4.6 –

West North Central .................................................. 10.8 9.4 1.3 0.0 4.5 0.6 – –

South Atlantic ........................................................... 11.1 11.9 0.0 0.0 – – – –

East South Central ................................................... 10.5 8.7 0.0 0.0 – – – –

West South Central .................................................. 6.3 7.8 0.0 0.0 – – 6.3 –

Mountain .................................................................. 10.2 11.3 0.0 0.0 – – 10.2 –

Pacific ...................................................................... 5.5 6.2 0.0 0.0 1.7 – 5.5 –

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 21. Defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2012

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Single

employer

Multiemployer1 Other

Worker characteristic

All workers ............................................................... 100 73 – –

Management, professional, and related .................. 100 89 – –

Management, business, and financial ................. 100 95 – –

Professional and related ...................................... 100 83 – –

Service ..................................................................... 100 – 55 –

Sales and office ....................................................... 100 78 – –

Sales and related ................................................. 100 61 39 –

Office and administrative support ........................ 100 82 – –

Natural resources, construction, and maintenance 100 – 50 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – 83 –

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

Production, transportation, and material moving ..... 100 68 – –

Production ............................................................ 100 72 – –

Transportation and material moving .................... 100 64 – –

Full time ................................................................... 100 76 – –

Part time .................................................................. 100 52 – –

Union ....................................................................... 100 – 54 –

Nonunion ................................................................. 100 92 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 – 65 –

Second 25 percent ............................................... 100 70 – –

Third 25 percent ................................................... 100 72 – –

Highest 25 percent ............................................... 100 79 – –

Highest 10 percent ........................................... 100 83 – –

Establishment characteristic

Goods-producing industries ..................................... 100 62 – –

Construction ......................................................... 100 – 86 –

Manufacturing ...................................................... 100 88 – –

Service-providing industries ..................................... 100 76 – –

Trade, transportation, and utilities ....................... 100 57 – –

Wholesale trade ............................................... 100 63 – –

Retail trade ...................................................... 100 27 73 –

Transportation and warehousing ..................... 100 83 – –

Utilities ............................................................. 100 93 – –

Information ........................................................... 100 100 – –

Financial activities ................................................ 100 93 – –

Finance and insurance .................................... 100 96 – –

Credit intermediation and related activities .. 100 99 – –

Insurance carriers and related activities ...... 100 93 – –

Professional and business services ..................... 100 87 – –

Education and health services ............................. 100 83 – –

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

Junior colleges, colleges, and universities ... 100 86 – –

Healthcare and social assistance .................... 100 88 – –

See footnotes at end of table.
Table 21. Defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2012—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Single

employer

Multiemployer1 Other

1 to 99 workers ........................................................ 100 59 – –

1 to 49 workers .................................................... 100 62 – –

50 to 99 workers .................................................. 100 53 – –

100 workers or more ................................................ 100 78 – –

100 to 499 workers .............................................. 100 68 – –

500 workers or more ............................................ 100 85 – –

Geographic area

New England ........................................................... 100 86 – –

Middle Atlantic ......................................................... 100 65 – –

East North Central ................................................... 100 74 – –

West North Central .................................................. 100 65 – –

South Atlantic ........................................................... 100 88 – –

East South Central ................................................... 100 73 – –

West South Central .................................................. 100 85 – –

Mountain .................................................................. 100 77 – –

Pacific ...................................................................... 100 60 – –

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 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 21. Standard errors for defined benefit plans: Plan sponsor,

private industry workers, National Compensation Survey, 2012

Characteristics Single

employer

Multiemployer1 Other

Worker characteristic

All workers ............................................................... 2.4 – –

Management, professional, and related .................. 3.5 – –

Management, business, and financial ................. 1.7 – –

Professional and related ...................................... 6.0 – –

Service ..................................................................... – 8.4 –

Sales and office ....................................................... 3.4 – –

Sales and related ................................................. 6.3 6.3 –

Office and administrative support ........................ 3.2 – –

Natural resources, construction, and maintenance – 6.7 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 4.8 –

Installation, maintenance, and repair ................... 5.5 – –

Production, transportation, and material moving ..... 4.7 – –

Production ............................................................ 7.1 – –

Transportation and material moving .................... 6.2 – –

Full time ................................................................... 2.6 – –

Part time .................................................................. 6.7 – –

Union ....................................................................... – 4.2 –

Nonunion ................................................................. 2.6 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... – 6.3 –

Second 25 percent ............................................... 4.5 – –

Third 25 percent ................................................... 2.9 – –

Highest 25 percent ............................................... 2.8 – –

Highest 10 percent ........................................... 5.7 – –

Establishment characteristic

Goods-producing industries ..................................... 5.0 – –

Construction ......................................................... – 5.9 –

Manufacturing ...................................................... 3.7 – –

Service-providing industries ..................................... 2.7 – –

Trade, transportation, and utilities ....................... 5.0 – –

Wholesale trade ............................................... 14.7 – –

Retail trade ...................................................... 6.3 6.3 –

Transportation and warehousing ..................... 9.0 – –

Utilities ............................................................. 4.9 – –

Information ........................................................... 0.0 – –

Financial activities ................................................ 3.6 – –

Finance and insurance .................................... 1.7 – –

Credit intermediation and related activities .. 0.7 – –

Insurance carriers and related activities ...... 4.5 – –

Professional and business services ..................... 11.1 – –

Education and health services ............................. 3.3 – –

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

Junior colleges, colleges, and universities ... 8.4 – –

Healthcare and social assistance .................... 2.0 – –

See footnotes at end of table.
Table 21. Standard errors for defined benefit plans: Plan sponsor,

private industry workers, National Compensation Survey,

2012—Continued

Characteristics Single

employer

Multiemployer1 Other

1 to 99 workers ........................................................ 4.6 – –

1 to 49 workers .................................................... 6.7 – –

50 to 99 workers .................................................. 7.9 – –

100 workers or more ................................................ 2.6 – –

100 to 499 workers .............................................. 4.5 – –

500 workers or more ............................................ 2.9 – –

Geographic area

New England ........................................................... 10.5 – –

Middle Atlantic ......................................................... 3.4 – –

East North Central ................................................... 7.7 – –

West North Central .................................................. 5.9 – –

South Atlantic ........................................................... 5.1 – –

East South Central ................................................... 7.9 – –

West South Central .................................................. 7.0 – –

Mountain .................................................................. 7.2 – –

Pacific ...................................................................... 8.5 – –

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 Surveyed occupations are classified into wage

categories based on the average wage for the

occupation, which may include workers with earnings

both above and below the threshold. The categories

were formed using percentile estimates generated

using data from the National Compensation Survey

publication, "Employer Costs for Employee

Compensation - March 2012."

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/glossary20122013.htm.
Table 22. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2012

(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

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristic

All workers ............................................................... 100 69 31 6 24 9 31 27 4 –

Management, professional, and related .................. 100 60 48 8 2 2 40 37 – –

Management, business, and financial ................. 100 55 46 – – – 45 44 – –

Professional and related ...................................... 100 64 50 – – 2 36 32 – –

Service ..................................................................... 100 87 34 – 36 – 13 12 – –

Sales and office ....................................................... 100 58 26 4 22 7 42 39 – –

Sales and related ................................................. 100 65 – – 40 – 35 35 – –

Office and administrative support ........................ 100 57 30 4 17 5 43 40 – –

Natural resources, construction, and maintenance 100 81 – – 43 25 19 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – 36 40 ––––

Installation, maintenance, and repair ................... 100 – 12 – 51 – ––––

Production, transportation, and material moving ..... 100 85 20 – 48 – 15 11 – –

Production ............................................................ 100 81 25 – 40 – 19 13 – –

Transportation and material moving .................... 100 – 14 – 58 – ––––

Full time ................................................................... 100 68 32 6 21 8 32 29 4 –

Part time .................................................................. 100 82 22 – 44 – 18 15 – –

Union ....................................................................... 100 89 – – 54 17 11 – 4 –

Nonunion ................................................................. 100 56 42 8 – – 44 41 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 78 – – 42 – 22 – – –

Second 25 percent ............................................... 100 69 24 – 32 – 31 28 – –

Third 25 percent ................................................... 100 72 34 – 24 – 28 24 – –

Highest 25 percent ............................................... 100 66 35 6 19 6 34 30 4 –

Highest 10 percent ........................................... 100 63 44 – – 2 37 33 – –

Establishment characteristic

Goods-producing industries ..................................... 100 82 29 – 30 – 18 9 8 –

Construction ......................................................... 100 – – – – 42 ––––

Manufacturing ...................................................... 100 79 42 – 27 – 21 14 – –

Service-providing industries ..................................... 100 65 31 6 22 6 35 32 – –

Trade, transportation, and utilities ....................... 100 88 24 – 47 – 12 12 – –

Wholesale trade ............................................... 100 – – – – – ––––

Retail trade ...................................................... 100 – – – 64 – ––––

Transportation and warehousing ..................... 100 – 28 – 56 – ––––

Utilities ............................................................. 100 – 72 – – – ––––

Information ........................................................... 100 72 – – 46 – 28 27 – –

Financial activities ................................................ 100 41 31 – – – 59 57 – –

Finance and insurance .................................... 100 40 33 – – – 60 58 – –

Credit intermediation and related activities .. 100 23 20 – – – 77 75 – –

Insurance carriers and related activities ...... 100 66 58 – – – 34 31 – –

Professional and business services ..................... 100 – – – – – ––––

Education and health services ............................. 100 63 48 – – – 37 32 – –

Educational services ........................................ 100 – – 68 – – ––––

Junior colleges, colleges, and universities ... 100 – 42 30 – – ––––

Healthcare and social assistance .................... 100 60 52 – – – 40 35 – –

See footnotes at end of table.
Table 22. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2012—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

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ........................................................ 100 73 17 – 32 – 27 24 – –

1 to 49 workers .................................................... 100 69 18 – 26 – 31 30 – –

50 to 99 workers .................................................. 100 81 – – 45 – 19 – – –

100 workers or more ................................................ 100 68 36 5 21 6 32 28 4 –

100 to 499 workers .............................................. 100 69 31 – 22 – 31 27 – –

500 workers or more ............................................ 100 67 39 – 20 – 33 29 – –

Geographic area

New England ........................................................... 100 – 29 – – – ––––

Middle Atlantic ......................................................... 100 68 30 – 21 – 32 29 – –

East North Central ................................................... 100 77 31 – 27 – 23 22 – –

West North Central .................................................. 100 73 27 – 24 – 27 – – –

South Atlantic ........................................................... 100 56 – – 22 – 44 43 – –

East South Central ................................................... 100 – 38 – – – ––––

West South Central .................................................. 100 65 39 – – – 35 29 – –

Mountain .................................................................. 100 70 34 – 25 – 30 27 – –

Pacific ...................................................................... 100 76 34 – 29 – 24 18 – –

1 Benefits are based on a dollar amount per month for each year of service recognized by the

plan. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 22. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation

Survey, 2012

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristic

All workers ............................................................... 2.6 2.4 1.5 2.1 1.4 2.6 2.7 0.9 –

Management, professional, and related .................. 5.4 5.4 2.1 0.6 0.6 5.4 5.6 – –

Management, business, and financial ................. 9.4 8.9 – – – 9.4 9.6 – –

Professional and related ...................................... 6.0 5.9 – – 0.5 6.0 6.0 – –

Service ..................................................................... 3.2 7.4 – 10.2 – 3.2 3.1 – –

Sales and office ....................................................... 3.7 2.7 0.9 3.0 1.7 3.7 3.7 – –

Sales and related ................................................. 6.0 – – 7.4 – 6.0 6.0 – –

Office and administrative support ........................ 3.7 3.3 1.0 2.9 1.6 3.7 3.7 – –

Natural resources, construction, and maintenance 3.7 – – 6.7 5.6 3.7 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – 10.7 9.3 – – – –

Installation, maintenance, and repair ................... – 3.5 – 9.0 – – – – –

Production, transportation, and material moving ..... 3.4 3.6 – 5.1 – 3.4 2.3 – –

Production ............................................................ 5.0 5.2 – 6.2 – 5.0 3.6 – –

Transportation and material moving .................... – 4.0 – 6.7 – – – – –

Full time ................................................................... 2.9 2.5 1.5 2.0 1.5 2.9 2.9 0.9 –

Part time .................................................................. 3.5 4.0 – 6.2 – 3.5 3.3 – –

Union ....................................................................... 2.1 – – 3.6 2.8 2.1 – 1.2 –

Nonunion ................................................................. 4.0 3.6 1.9 – – 4.0 4.3 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... 4.8 – – 6.2 – 4.8 – – –

Second 25 percent ............................................... 3.4 3.2 – 4.7 – 3.4 3.3 – –

Third 25 percent ................................................... 3.4 3.0 – 2.7 – 3.4 3.1 – –

Highest 25 percent ............................................... 4.4 3.6 1.7 3.1 1.1 4.4 4.5 1.1 –

Highest 10 percent ........................................... 6.0 6.5 – – 0.6 6.0 6.0 – –

Establishment characteristic

Goods-producing industries ..................................... 2.8 4.4 – 4.4 – 2.8 2.1 2.2 –

Construction ......................................................... – – – – 10.5 – – – –

Manufacturing ...................................................... 3.8 5.2 – 4.7 – 3.8 2.9 – –

Service-providing industries ..................................... 3.2 3.0 1.5 2.6 1.4 3.2 3.3 – –

Trade, transportation, and utilities ....................... 3.2 4.3 – 5.9 – 3.2 3.2 – –

Wholesale trade ............................................... – – – – – – – – –

Retail trade ...................................................... – – – 7.9 – – – – –

Transportation and warehousing ..................... – 7.2 – 11.0 – – – – –

Utilities ............................................................. – 6.9 – – – – – – –

Information ........................................................... 5.3 – – 7.8 – 5.3 5.2 – –

Financial activities ................................................ 4.7 3.6 – – – 4.7 4.7 – –

Finance and insurance .................................... 4.0 3.5 – – – 4.0 4.0 – –

Credit intermediation and related activities .. 5.2 4.9 – – – 5.2 5.5 – –

Insurance carriers and related activities ...... 6.9 6.6 – – – 6.9 6.9 – –

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

Education and health services ............................. 7.2 5.9 – – – 7.2 7.4 – –

Educational services ........................................ – – 9.8 – – – – – –

Junior colleges, colleges, and universities ... – 8.1 5.0 – – – – – –

Healthcare and social assistance .................... 7.4 7.2 – – – 7.4 7.7 – –

See footnotes at end of table.
Table 22. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation

Survey, 2012—Continued

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

times

years1

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ........................................................ 4.0 3.0 – 5.5 – 4.0 4.0 – –

1 to 49 workers .................................................... 6.1 3.9 – 6.9 – 6.1 6.1 – –

50 to 99 workers .................................................. 5.5 – – 9.9 – 5.5 – – –

100 workers or more ................................................ 3.1 3.5 1.3 2.3 1.4 3.1 3.2 1.1 –

100 to 499 workers .............................................. 6.8 7.0 – 3.0 – 6.8 6.8 – –

500 workers or more ............................................ 3.0 2.6 – 3.0 – 3.0 3.0 – –

Geographic area

New England ........................................................... – 5.4 – – – – – – –

Middle Atlantic ......................................................... 7.5 4.7 – 3.7 – 7.5 7.7 – –

East North Central ................................................... 4.9 5.5 – 5.3 – 4.9 4.8 – –

West North Central .................................................. 5.8 3.1 – 7.2 – 5.8 – – –

South Atlantic ........................................................... 8.4 – – 4.0 – 8.4 8.3 – –

East South Central ................................................... – 10.4 – – – – – – –

West South Central .................................................. 3.3 8.8 – – – 3.3 4.4 – –

Mountain .................................................................. 7.2 7.6 – 7.3 – 7.2 6.4 – –

Pacific ...................................................................... 3.5 6.4 – 5.4 – 3.5 4.2 – –

1 Benefits are based on a dollar amount per month for each year of service recognized by

the plan. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 23. Defined contribution plans: Type of plan,1

 private industry workers, National Compensation

Survey, 2012

(All workers participating in defined contribution plans = 100 percent)

Characteristics Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

Worker characteristic

All workers ............................................................... 74 23 4 18 – – –

Management, professional, and related .................. 74 20 – 21 – – –

Management, business, and financial ................. 79 24 – 14 – – –

Professional and related ...................................... 72 17 2 26 – – –

Service ..................................................................... 66 28 – 18 – – –

Sales and office ....................................................... 77 26 5 11 – – –

Sales and related ................................................. 82 25 – 4 – – –

Office and administrative support ........................ 75 27 5 14 – – –

Natural resources, construction, and maintenance 67 20 – 21 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 46 – – 44 – – –

Installation, maintenance, and repair ................... 77 24 – – – – –

Production, transportation, and material moving ..... 73 22 – 19 – – –

Production ............................................................ 72 23 – 18 – – –

Transportation and material moving .................... 74 22 – 22 – – –

Full time ................................................................... 74 23 3 18 – 3 –

Part time .................................................................. 73 18 – 17 – – –

Union ....................................................................... 64 16 – 34 – – –

Nonunion ................................................................. 75 23 4 16 – – –

Average wage within the following categories:2

Lowest 25 percent ............................................... 77 24 – 9 – – –

Lowest 10 percent ........................................... 83 – – – – – –

Second 25 percent ............................................... 71 24 3 15 – – –

Third 25 percent ................................................... 74 23 3 16 – 3 –

Highest 25 percent ............................................... 75 21 4 22 – – –

Highest 10 percent ........................................... 75 25 – 23 – – –

Establishment characteristic

Goods-producing industries ..................................... 70 20 – 19 – – –

Construction ......................................................... 49 – – 34 – – –

Manufacturing ...................................................... 75 21 – 16 – – –

Service-providing industries ..................................... 75 24 3 17 – – –

Trade, transportation, and utilities ....................... 83 25 4 8 – – –

Wholesale trade ............................................... 72 24 – – – – –

Retail trade ...................................................... 87 26 – – – – –

Transportation and warehousing ..................... 86 26 – – – – –

Utilities ............................................................. 97 – – – – – –

Information ........................................................... 92 23 – – – – –

Financial activities ................................................ 82 26 – 15 – – –

Finance and insurance .................................... 85 28 – 15 – – –

Credit intermediation and related activities .. 86 33 – 9 – – –

Insurance carriers and related activities ...... 83 21 – 22 – – –

Professional and business services ..................... 76 29 – – – – –

Professional and technical services ................. 77 – – – – – –

Education and health services ............................. 58 18 – 37 – – –

Educational services ........................................ 28 – – 67 – – –

Junior colleges, colleges, and universities ... 29 – – 83 – – –

Healthcare and social assistance .................... 65 20 – 31 – – –

See footnotes at end of table.
Table 23. Defined contribution plans: Type of plan,1

 private industry workers, National Compensation

Survey, 2012—Continued

(All workers participating in defined contribution plans = 100 percent)

Characteristics Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

1 to 99 workers ........................................................ 69 27 3 13 – – –

1 to 49 workers .................................................... 66 28 4 14 – – –

50 to 99 workers .................................................. 76 24 – – – – –

100 workers or more ................................................ 77 20 4 20 – – –

100 to 499 workers .............................................. 79 22 – 11 – – –

500 workers or more ............................................ 74 18 – 31 – – –

Geographic area

New England ........................................................... 75 – – 23 – – –

Middle Atlantic ......................................................... 72 17 – 25 – – –

East North Central ................................................... 69 28 – 18 – – –

West North Central .................................................. 69 12 – 18 – – –

South Atlantic ........................................................... 74 22 – 17 – – –

East South Central ................................................... 74 31 – – – – –

West South Central .................................................. 77 17 – 20 – – –

Mountain .................................................................. 85 32 – – – – –

Pacific ...................................................................... 74 31 5 14 – – –

1 Sum of individual items may be greater than total because multiple plans are

available to some employees. 2 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 23. Standard errors for defined contribution plans: Type of plan, private industry workers, National

Compensation Survey, 2012

Characteristics Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

Worker characteristic

All workers ............................................................... 1.9 1.7 0.7 1.3 – – –

Management, professional, and related .................. 2.5 2.5 – 2.0 – – –

Management, business, and financial ................. 2.9 3.7 – 1.9 – – –

Professional and related ...................................... 3.3 2.3 0.5 2.9 – – –

Service ..................................................................... 8.3 7.6 – 3.9 – – –

Sales and office ....................................................... 2.0 2.1 1.1 1.2 – – –

Sales and related ................................................. 2.8 4.1 – 1.1 – – –

Office and administrative support ........................ 2.3 2.2 1.3 1.6 – – –

Natural resources, construction, and maintenance 4.5 4.6 – 4.7 – – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 8.2 – – 9.8 – – –

Installation, maintenance, and repair ................... 3.6 5.6 – – – – –

Production, transportation, and material moving ..... 2.7 2.9 – 2.9 – – –

Production ............................................................ 4.0 4.2 – 3.4 – – –

Transportation and material moving .................... 3.6 3.9 – 3.9 – – –

Full time ................................................................... 1.8 1.8 0.6 1.3 – 0.7 –

Part time .................................................................. 6.6 3.2 – 3.4 – – –

Union ....................................................................... 4.7 3.8 – 4.7 – – –

Nonunion ................................................................. 1.9 1.9 0.7 1.2 – – –

Average wage within the following categories:1

Lowest 25 percent ............................................... 4.8 4.7 – 2.4 – – –

Lowest 10 percent ........................................... 7.5 – – – – – –

Second 25 percent ............................................... 4.1 2.5 0.9 2.6 – – –

Third 25 percent ................................................... 2.4 2.3 1.0 1.9 – 0.8 –

Highest 25 percent ............................................... 2.2 2.2 1.0 1.8 – – –

Highest 10 percent ........................................... 3.0 3.1 – 3.2 – – –

Establishment characteristic

Goods-producing industries ..................................... 3.3 3.2 – 3.0 – – –

Construction ......................................................... 7.9 – – 8.3 – – –

Manufacturing ...................................................... 3.3 3.9 – 2.7 – – –

Service-providing industries ..................................... 2.2 2.0 0.7 1.5 – – –

Trade, transportation, and utilities ....................... 2.4 3.4 1.1 1.9 – – –

Wholesale trade ............................................... 6.0 6.1 – – – – –

Retail trade ...................................................... 3.3 4.7 – – – – –

Transportation and warehousing ..................... 4.5 6.8 – – – – –

Utilities ............................................................. 2.0 – – – – – –

Information ........................................................... 3.3 6.1 – – – – –

Financial activities ................................................ 2.0 3.2 – 2.7 – – –

Finance and insurance .................................... 1.8 3.8 – 2.4 – – –

Credit intermediation and related activities .. 2.0 5.9 – 2.3 – – –

Insurance carriers and related activities ...... 4.6 4.9 – 5.1 – – –

Professional and business services ..................... 4.6 6.4 – – – – –

Professional and technical services ................. 5.5 – – – – – –

Education and health services ............................. 5.4 4.7 – 4.3 – – –

Educational services ........................................ 4.2 – – 7.0 – – –

Junior colleges, colleges, and universities ... 3.8 – – 4.3 – – –

Healthcare and social assistance .................... 6.8 5.6 – 4.4 – – –

See footnotes at end of table.
Table 23. Standard errors for defined contribution plans: Type of plan, private industry workers, National

Compensation Survey, 2012—Continued

Characteristics Savings and

thrift

Deferred

profit

sharing

Employee

stock

ownership

Money

purchase

pension

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

1 to 99 workers ........................................................ 3.2 2.9 0.8 2.2 – – –

1 to 49 workers .................................................... 3.9 3.4 1.0 2.6 – – –

50 to 99 workers .................................................. 4.1 5.0 – – – – –

100 workers or more ................................................ 2.1 2.2 0.9 1.3 – – –

100 to 499 workers .............................................. 3.1 3.1 – 1.6 – – –

500 workers or more ............................................ 2.7 3.0 – 2.3 – – –

Geographic area

New England ........................................................... 5.9 – – 6.5 – – –

Middle Atlantic ......................................................... 3.8 4.5 – 4.2 – – –

East North Central ................................................... 5.8 4.1 – 3.4 – – –

West North Central .................................................. 9.9 3.6 – 4.0 – – –

South Atlantic ........................................................... 5.2 5.8 – 3.2 – – –

East South Central ................................................... 8.2 6.7 – – – – –

West South Central .................................................. 4.5 2.6 – 4.3 – – –

Mountain .................................................................. 2.3 4.5 – – – – –

Pacific ...................................................................... 2.9 4.9 1.3 2.2 – – –

1 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 24. Savings and thrift plans: Summary of provisions,1

 private industry workers, National

Compensation Survey, 2012

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Automatic

escalation

feature

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

Worker characteristic

All workers ............................................................... 100 43 33 11 87 83

Management, professional, and related .................. 100 47 34 10 88 86

Management, business, and financial ................. 100 50 36 10 89 87

Professional and related ...................................... 100 45 33 10 87 85

Service ..................................................................... 100 23 41 – 82 80

Protective service ................................................ 100 – – – 97 97

Sales and office ....................................................... 100 43 31 10 86 82

Sales and related ................................................. 100 33 26 9 89 86

Office and administrative support ........................ 100 48 33 10 84 81

Natural resources, construction, and maintenance 100 57 31 – 89 77

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 46 – – 85 77

Installation, maintenance, and repair ................... 100 61 34 – 90 77

Production, transportation, and material moving ..... 100 37 34 15 87 84

Production ............................................................ 100 33 29 11 88 85

Transportation and material moving .................... 100 42 41 21 85 83

Full time ................................................................... 100 44 34 10 86 83

Part time .................................................................. 100 29 29 13 89 87

Union ....................................................................... 100 61 29 – 91 77

Nonunion ................................................................. 100 42 34 11 86 84

Average wage within the following categories:4

Lowest 25 percent ............................................... 100 22 23 – 86 83

Lowest 10 percent ........................................... 100 – – – 79 75

Second 25 percent ............................................... 100 35 35 11 85 84

Third 25 percent ................................................... 100 42 34 13 87 84

Highest 25 percent ............................................... 100 54 35 9 87 83

Highest 10 percent ........................................... 100 55 37 9 89 86

Establishment characteristic

Goods-producing industries ..................................... 100 40 34 9 84 81

Manufacturing ...................................................... 100 41 35 11 83 80

Service-providing industries ..................................... 100 44 33 11 87 84

Trade, transportation, and utilities ....................... 100 42 34 12 89 86

Wholesale trade ............................................... 100 37 42 – 80 –

Retail trade ...................................................... 100 32 24 10 92 88

Transportation and warehousing ..................... 100 61 53 – 94 94

Utilities ............................................................. 100 88 – – 86 –

Information ........................................................... 100 74 37 – 99 83

Financial activities ................................................ 100 57 31 12 87 83

Finance and insurance .................................... 100 59 32 13 89 85

Credit intermediation and related activities .. 100 64 24 – 91 89

Insurance carriers and related activities ...... 100 48 46 21 88 85

Professional and business services ..................... 100 54 41 – 88 88

Professional and technical services ................. 100 54 34 – 82 81

Education and health services ............................. 100 23 31 – – –

Educational services ........................................ 100 23 – – – –

Junior colleges, colleges, and universities ... 100 – – – – –

Healthcare and social assistance .................... 100 23 32 – 82 –

See footnotes at end of table.
Table 24. Savings and thrift plans: Summary of provisions,1

 private industry workers, National

Compensation Survey, 2012—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Automatic

escalation

feature

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

1 to 99 workers ........................................................ 100 44 31 10 83 79

1 to 49 workers .................................................... 100 45 32 10 81 77

50 to 99 workers .................................................. 100 43 30 – 87 83

100 workers or more ................................................ 100 43 35 11 89 86

100 to 499 workers .............................................. 100 40 31 8 94 90

500 workers or more ............................................ 100 46 40 14 83 81

Geographic area

New England ........................................................... 100 49 29 – 92 82

Middle Atlantic ......................................................... 100 41 30 – 86 83

East North Central ................................................... 100 41 38 8 82 81

West North Central .................................................. 100 40 49 16 82 78

South Atlantic ........................................................... 100 42 30 11 85 83

East South Central ................................................... 100 40 28 – 92 90

West South Central .................................................. 100 36 22 9 91 89

Mountain .................................................................. 100 52 39 – 84 83

Pacific ...................................................................... 100 51 37 12 90 84

1 The remaining workers include both workers not receiving the benefit as

well as those workers where the availability of the benefit is not determinable.

For example, 43 percent of all workers have a post-tax contribution. The

remaining 57 percent either do not have the provision or information on the

provision is not available. 2 Under these plans, employees are allowed to have part or all of their

retirement plan post-tax contributions grow tax free as under a Roth IRA plan. 3 The employer automatically enrolls employees in the plan at a specified

rate of contribution (e.g., 3 percent of earnings), unless the employee opts out

of the plan.

4 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 24. Standard errors for savings and thrift plans: Summary of provisions,1

 private industry

workers, National Compensation Survey, 2012

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Automatic

escalation

feature

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

Worker characteristic

All workers ............................................................... 0.0 1.8 2.0 1.1 1.5 1.4

Management, professional, and related .................. 4 ( ) 3.2 2.9 1.9 1.9 1.9

Management, business, and financial ................. 4 ( ) 4.0 3.8 1.6 2.4 2.4

Professional and related ...................................... 4 ( ) 4.0 3.3 2.5 2.2 2.3

Service ..................................................................... 4 ( ) 5.5 7.7 – 4.8 4.9

Protective service ................................................ 0.0 – – – 2.2 2.4

Sales and office ....................................................... 0.0 2.2 2.6 1.4 2.1 2.0

Sales and related ................................................. 0.0 3.9 4.0 2.4 2.9 2.9

Office and administrative support ........................ 4 ( ) 2.6 3.5 1.6 2.4 2.5

Natural resources, construction, and maintenance 4 ( ) 5.8 5.2 – 3.2 5.4

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 10.3 – – 8.8 10.7

Installation, maintenance, and repair ................... 0.0 6.8 6.5 – 3.4 6.7

Production, transportation, and material moving ..... 4 ( ) 4.1 3.7 2.9 2.3 2.5

Production ............................................................ 0.0 4.4 4.0 2.8 2.9 3.1

Transportation and material moving .................... 0.0 6.1 5.2 4.9 4.4 4.5

Full time ................................................................... 4 ( ) 1.8 2.0 1.1 1.5 1.5

Part time .................................................................. 0.0 4.3 4.2 2.8 3.3 3.1

Union ....................................................................... 4 ( ) 5.6 5.7 – 2.3 5.4

Nonunion ................................................................. 0.0 1.9 2.2 1.2 1.6 1.6

Average wage within the following categories:5

Lowest 25 percent ............................................... 0.0 2.8 5.8 – 3.4 3.4

Lowest 10 percent ........................................... 0.0 – – – 11.3 11.3

Second 25 percent ............................................... 4 ( ) 2.6 3.0 1.5 1.9 1.9

Third 25 percent ................................................... 0.0 3.0 2.6 2.0 1.9 2.0

Highest 25 percent ............................................... 0.0 2.6 2.9 1.9 2.0 1.9

Highest 10 percent ........................................... 4 ( ) 3.6 3.8 1.9 3.0 2.9

Establishment characteristic

Goods-producing industries ..................................... 0.0 3.8 3.8 1.8 3.5 3.4

Manufacturing ...................................................... 0.0 4.4 3.9 2.2 3.9 4.0

Service-providing industries ..................................... 0.0 2.2 2.0 1.2 1.6 1.5

Trade, transportation, and utilities ....................... 0.0 3.7 3.0 2.1 2.1 2.3

Wholesale trade ............................................... 0.0 8.6 7.3 – 4.5 –

Retail trade ...................................................... 0.0 4.5 4.1 2.5 2.0 2.2

Transportation and warehousing ..................... 4 ( ) 8.6 8.3 – 6.0 6.0

Utilities ............................................................. 0.0 7.2 – – 5.1 –

Information ........................................................... 4 ( ) 7.9 6.5 – 0.8 6.8

Financial activities ................................................ 0.0 4.0 3.3 2.4 1.9 2.3

Finance and insurance .................................... 0.0 3.9 3.5 2.5 2.3 2.5

Credit intermediation and related activities .. 4 ( ) 5.7 6.2 – 3.2 3.3

Insurance carriers and related activities ...... 4 ( ) 5.4 5.6 5.9 4.3 4.5

Professional and business services ..................... 0.0 5.6 5.9 – 3.9 4.0

Professional and technical services ................. 0.0 7.8 8.1 – 6.4 6.4

Education and health services ............................. 0.0 5.4 5.8 – – –

Educational services ........................................ 0.0 5.0 – – – –

Junior colleges, colleges, and universities ... 0.0 – – – – –

Healthcare and social assistance .................... 0.0 5.8 6.4 – 4.4 –

See footnotes at end of table.
Table 24. Standard errors for savings and thrift plans: Summary of provisions,1

 private industry

workers, National Compensation Survey, 2012—Continued

Characteristics Pre-tax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Automatic

escalation

feature

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

1 to 99 workers ........................................................ 0.0 3.7 3.5 2.0 2.7 2.5

1 to 49 workers .................................................... 0.0 4.5 4.1 2.1 3.3 3.4

50 to 99 workers .................................................. 0.0 6.4 5.1 – 3.7 4.5

100 workers or more ................................................ 0.0 2.1 2.4 1.4 1.7 1.7

100 to 499 workers .............................................. 0.0 3.3 3.4 1.9 1.3 1.6

500 workers or more ............................................ 4 ( ) 3.0 3.0 2.5 3.4 3.5

Geographic area

New England ........................................................... 0.0 5.1 5.2 – 3.7 2.1

Middle Atlantic ......................................................... 0.0 4.5 6.7 – 3.7 3.3

East North Central ................................................... 4 ( ) 5.7 3.7 1.6 3.3 3.2

West North Central .................................................. 0.0 7.0 3.1 4.5 3.8 5.7

South Atlantic ........................................................... 0.0 3.7 5.9 3.3 5.6 5.2

East South Central ................................................... 0.0 5.8 5.6 – 5.4 5.3

West South Central .................................................. 4 ( ) 4.2 3.1 2.6 2.2 2.6

Mountain .................................................................. 0.0 6.3 7.6 – 5.6 5.4

Pacific ...................................................................... 0.0 4.6 3.2 3.6 3.3 3.2

1 The remaining workers include both workers not receiving the benefit as

well as those workers where the availability of the benefit is not determinable.

For example, 43 percent of all workers have a post-tax contribution. The

remaining 57 percent either do not have the provision or information on the

provision is not available. 2 Under these plans, employees are allowed to have part or all of their

retirement plan post-tax contributions grow tax free as under a Roth IRA plan. 3 The employer automatically enrolls employees in the plan at a specified

rate of contribution (e.g., 3 percent of earnings), unless the employee opts out

of the plan. 4 Less than 0.05.

5 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 25. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2012

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

With automatic enrollment

Automatic

enrollment

not

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 33 33 2.0 3.0 3.0 3.0 5.0 – – 60 6

Management, professional, and related .................. 100 34 34 2.0 3.0 3.0 3.0 5.0 – – 58 7

Management, business, and financial ................. 100 36 35 2.0 3.0 3.0 – 5.0 – – 55 9

Professional and related ...................................... 100 33 33 2.0 3.0 3.0 3.0 4.0 – – 61 6

Service ..................................................................... 100 41 40 2.0 – 3.0 4.0 – – 1 54 5

Protective service ................................................ 100 – –––––– – – – 2

Sales and office ....................................................... 100 31 30 2.0 3.0 3.0 3.0 5.0 – – 63 6

Sales and related ................................................. 100 26 25 1.0 – 3.0 3.0 3.0 – 1 69 6

Office and administrative support ........................ 100 33 32 2.0 3.0 3.0 3.0 5.0 – – 60 7

Natural resources, construction, and maintenance 100 31 31 2.0 2.0 3.0 3.0 – – 1 64 5

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – – – – – – 4 76 –

Installation, maintenance, and repair ................... 100 34 34 2.0 2.0 3.0 3.0 – – – 61 5

Production, transportation, and material moving ..... 100 34 33 2.0 3.0 3.0 3.0 4.0 – 1 60 5

Production ............................................................ 100 29 28 2.0 – 3.0 3.0 4.0 – 1 66 5

Transportation and material moving .................... 100 41 41 3.0 3.0 3.0 3.0 3.0 – 3 ( ) 52 6

Full time ................................................................... 100 34 33 2.0 3.0 3.0 3.0 5.0 – – 60 6

Part time .................................................................. 100 29 28 1.0 2.0 3.0 3.0 3.0 – 1 64 7

Union ....................................................................... 100 29 28 2.0 – 3.0 3.0 – – 1 68 3

Nonunion ................................................................. 100 34 33 2.0 3.0 3.0 3.0 5.0 – – 60 7

Average wage within the following categories:4

Lowest 25 percent ............................................... 100 23 22 – 2.0 – – 4.0 – 1 72 6

Lowest 10 percent ........................................... 100 – – – – – – – – 3 89 –

Second 25 percent ............................................... 100 35 34 2.0 – 3.0 3.0 – – 1 60 5

Third 25 percent ................................................... 100 34 33 2.0 3.0 3.0 3.0 5.0 – – 60 6

Highest 25 percent ............................................... 100 35 34 2.0 3.0 3.0 3.0 5.0 – – 58 7

Highest 10 percent ........................................... 100 37 36 – 3.0 3.0 3.0 5.0 – – 56 7

Establishment characteristic

Goods-producing industries ..................................... 100 34 32 2.0 2.0 3.0 3.0 4.0 – 2 60 7

Manufacturing ...................................................... 100 35 33 2.0 2.0 3.0 3.0 4.0 – 2 58 8

Service-providing industries ..................................... 100 33 33 2.0 3.0 3.0 3.0 5.0 – – 60 6

Trade, transportation, and utilities ....................... 100 34 32 – 3.0 3.0 3.0 3.0 – 1 60 6

Wholesale trade ............................................... 100 42 42 3.0 3.0 3.0 3.0 – – – 56 3

Retail trade ...................................................... 100 24 23 1.0 – – 3.0 3.0 – 1 69 7

Transportation and warehousing ..................... 100 53 50 3.0 3.0 3.0 3.0 3.0 – 3 41 6

Utilities ............................................................. 100 – – – – – – – – – 75 –

Information ........................................................... 100 37 36 2.0 – 3.0 3.0 7.0 – 1 63 3 ( )

Financial activities ................................................ 100 31 30 – 3.0 3.0 3.0 5.0 – 1 58 12

Finance and insurance .................................... 100 32 31 3.0 3.0 3.0 3.0 5.0 – 1 57 11

Credit intermediation and related activities .. 100 24 23 – 3.0 3.0 – 6.0 – 3 ( ) 68 9

Insurance carriers and related activities ...... 100 46 45 3.0 3.0 3.0 – 5.0 – 1 48 6

Professional and business services ..................... 100 41 41 3.0 3.0 3.0 – 5.0 – 3 ( ) 54 5

Professional and technical services ................. 100 34 34 – 3.0 3.0 3.0 – – – 61 5

Education and health services ............................. 100 31 30 2.0 – 3.0 – 4.0 – – 62 7

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

Junior colleges, colleges, and universities ... 100 – –––––– – – – –

Healthcare and social assistance .................... 100 32 32 2.0 – 3.0 – 4.0 – 1 63 5

See footnotes at end of table.
Table 25. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2012—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Automatic

enrollment

available

With automatic enrollment

Automatic

enrollment

not

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 31 31 2.0 – 3.0 3.0 – – 1 62 6

1 to 49 workers .................................................... 100 32 31 2.0 – 3.0 3.0 – – 1 61 7

50 to 99 workers .................................................. 100 30 30 – 3.0 3.0 3.0 – – 3 ( ) 66 4

100 workers or more ................................................ 100 35 34 2.0 3.0 3.0 3.0 5.0 – – 59 6

100 to 499 workers .............................................. 100 31 30 – 3.0 3.0 3.0 4.0 – 1 64 5

500 workers or more ............................................ 100 40 38 2.0 3.0 3.0 3.0 5.0 – – 53 8

Geographic area

New England ........................................................... 100 29 25 – 3.0 3.0 3.0 – – – 61 10

Middle Atlantic ......................................................... 100 30 28 2.0 3.0 3.0 3.0 4.0 – 2 60 10

East North Central ................................................... 100 38 38 2.0 – 3.0 3.0 – – 1 51 11

West North Central .................................................. 100 49 46 2.0 3.0 3.0 – – – 3 45 6

South Atlantic ........................................................... 100 30 29 2.0 – 3.0 3.0 – – 1 67 3

East South Central ................................................... 100 28 28 2.0 – 3.0 3.0 – – – 66 6

West South Central .................................................. 100 22 22 – 3.0 3.0 3.0 4.0 – 3 ( ) 75 3

Mountain .................................................................. 100 39 39 – 3.0 3.0 – 5.0 – – 58 3

Pacific ...................................................................... 100 37 37 – 3.0 3.0 – 5.0 – – 57 6

1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of

earnings), unless the employee opts out of the plan. 2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts based

on employee length of service, or other methods. 3 Less than 0.5. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 25. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2012

Characteristics

Automatic

enrollment

available

With automatic enrollment

Automatic

enrollment

not

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 2.0 1.9 0.0 0.0 0.0 0.0 1.3 – – 1.9 0.8

Management, professional, and related .................. 2.9 2.9 0.0 0.0 0.0 0.2 0.7 – – 3.3 1.4

Management, business, and financial ................. 3.8 3.8 0.4 0.0 0.0 – 0.0 – – 4.4 2.5

Professional and related ...................................... 3.3 3.3 0.0 0.0 0.0 0.0 0.5 – – 3.5 1.1

Service ..................................................................... 7.7 7.6 0.0 – 0.0 1.2 – – 0.6 8.6 2.0

Protective service ................................................ – – – – – – – – – – 2.0

Sales and office ....................................................... 2.6 2.5 0.5 0.0 0.0 0.0 0.9 – – 2.5 1.1

Sales and related ................................................. 4.0 3.9 0.0 – 0.0 0.0 0.0 – 0.8 4.1 1.8

Office and administrative support ........................ 3.5 3.4 0.0 0.0 0.0 0.0 0.3 – – 3.1 1.4

Natural resources, construction, and maintenance 5.2 5.3 0.0 0.0 0.7 0.0 – – 0.8 5.6 1.9

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – – – 3.4 8.2 –

Installation, maintenance, and repair ................... 6.5 6.5 0.0 0.0 0.2 0.0 – – – 6.8 2.4

Production, transportation, and material moving ..... 3.7 3.7 0.0 0.0 0.0 0.0 1.1 – 0.6 3.9 1.7

Production ............................................................ 4.0 3.9 0.0 – 0.0 0.0 0.5 – 0.9 4.5 2.0

Transportation and material moving .................... 5.2 5.2 0.8 0.0 0.0 0.0 0.7 – 0.3 5.6 2.9

Full time ................................................................... 2.0 2.0 0.0 0.0 0.0 0.0 1.0 – – 1.9 0.8

Part time .................................................................. 4.2 4.1 0.2 0.4 0.0 0.0 0.0 – 0.5 4.3 3.0

Union ....................................................................... 5.7 5.7 0.0 – 0.0 0.0 – – 0.8 5.2 2.0

Nonunion ................................................................. 2.2 2.1 0.0 0.0 0.0 0.0 1.1 – – 2.0 0.9

Average wage within the following categories:3

Lowest 25 percent ............................................... 5.8 5.8 – 0.0 – – 0.2 – 0.5 5.6 2.1

Lowest 10 percent ........................................... – – – – – – – – 2.6 4.3 –

Second 25 percent ............................................... 3.0 2.9 0.0 – 0.0 0.0 – – 0.4 2.8 1.2

Third 25 percent ................................................... 2.6 2.6 0.0 0.0 0.0 0.0 1.2 – – 2.7 1.3

Highest 25 percent ............................................... 2.9 2.9 0.0 0.0 0.0 0.0 1.1 – – 3.2 1.2

Highest 10 percent ........................................... 3.8 3.8 – 0.0 0.0 0.0 0.9 – – 4.0 2.2

Establishment characteristic

Goods-producing industries ..................................... 3.8 3.7 0.0 0.0 0.0 0.0 0.0 – 0.9 3.8 2.6

Manufacturing ...................................................... 3.9 3.8 0.2 0.2 0.0 0.0 0.0 – 1.0 3.9 3.0

Service-providing industries ..................................... 2.0 1.9 0.0 0.0 0.0 0.0 0.9 – – 2.0 0.8

Trade, transportation, and utilities ....................... 3.0 3.0 – 0.2 0.0 0.0 0.0 – 0.9 3.4 1.8

Wholesale trade ............................................... 7.3 7.3 0.7 0.0 0.0 0.0 – – – 7.7 2.7

Retail trade ...................................................... 4.1 4.1 0.0 – – 0.0 0.0 – 1.1 4.2 2.0

Transportation and warehousing ..................... 8.3 8.6 0.0 0.0 0.0 0.0 0.0 – 2.9 9.6 6.0

Utilities ............................................................. – – – – – – – – – 7.0 –

Information ........................................................... 6.5 6.6 0.2 – 0.0 0.0 1.1 – 0.6 6.5 0.2

Financial activities ................................................ 3.3 3.3 – 0.0 0.0 0.6 0.0 – 0.4 3.7 2.4

Finance and insurance .................................... 3.5 3.5 0.7 0.0 0.0 0.8 0.2 – 0.5 4.3 3.1

Credit intermediation and related activities .. 6.2 6.2 – 0.0 0.0 – 1.7 – 0.2 6.2 3.6

Insurance carriers and related activities ...... 5.6 5.6 0.5 0.0 0.0 – 0.0 – 1.3 6.1 2.3

Professional and business services ..................... 5.9 5.9 0.2 0.0 0.0 – 0.0 – 0.3 6.2 1.8

Professional and technical services ................. 8.1 8.1 – 0.1 0.0 0.0 – – – 8.7 2.8

Education and health services ............................. 5.8 5.7 0.0 – 0.0 – 0.0 – – 6.2 1.8

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

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

Healthcare and social assistance .................... 6.4 6.2 0.0 – 0.0 – 0.0 – 0.5 6.9 1.6

See footnotes at end of table.
Table 25. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey,

2012—Continued

Characteristics

Automatic

enrollment

available

With automatic enrollment

Automatic

enrollment

not

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 3.5 3.6 0.0 – 0.0 0.0 – – 0.4 3.7 1.4

1 to 49 workers .................................................... 4.1 4.1 0.0 – 0.0 0.0 – – 0.5 4.4 1.9

50 to 99 workers .................................................. 5.1 5.3 – 0.0 0.0 0.0 – – 0.4 4.9 1.4

100 workers or more ................................................ 2.4 2.3 0.0 0.0 0.0 0.0 1.1 – – 2.4 1.1

100 to 499 workers .............................................. 3.4 3.2 – 0.0 0.0 0.0 0.8 – 0.5 3.5 1.2

500 workers or more ............................................ 3.0 3.0 0.0 0.0 0.0 0.4 0.8 – – 3.2 2.0

Geographic area

New England ........................................................... 5.2 6.7 – 0.0 0.0 0.0 – – – 5.3 3.7

Middle Atlantic ......................................................... 6.7 5.3 0.0 0.2 0.0 0.3 0.9 – 1.6 6.3 2.4

East North Central ................................................... 3.7 3.8 0.0 – 0.0 0.0 – – 0.4 4.0 2.9

West North Central .................................................. 3.1 2.5 0.0 0.0 0.0 – – – 2.1 3.3 1.7

South Atlantic ........................................................... 5.9 5.9 0.0 – 0.0 0.0 – – 0.4 5.7 2.2

East South Central ................................................... 5.6 5.6 0.0 – 0.0 0.0 – – – 4.2 4.0

West South Central .................................................. 3.1 3.1 – 0.0 0.0 0.4 0.6 – 0.2 3.0 1.5

Mountain .................................................................. 7.6 7.6 – 0.0 0.0 – 0.6 – – 7.9 1.2

Pacific ...................................................................... 3.2 3.2 – 0.2 0.0 – 0.0 – – 3.8 1.8

1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3

percent of earnings), unless the employee opts out of the plan. 2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts

based on employee length of service, or other methods. 3 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 26. Savings and thrift plans: Automatic escalation features, private industry workers, National

Compensation Survey, 2012

(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)

Characteristics Total

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not

available

Not

determinable

Employee

contribution

escalates for

predetermined number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings

after

maximum

escalation

Worker characteristic

All workers ............................................................... 100 32 21 3 22 6.0 65 3

Management, professional, and related .................. 100 28 21 3 18 – 69 3

Management, business, and financial ................. 100 27 21 3 20 – 71 2

Professional and related ...................................... 100 29 21 3 17 – 68 3

Service ..................................................................... 100 – – – – – 58 –

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

Sales and office ....................................................... 100 32 16 3 21 6.0 63 5

Sales and related ................................................. 100 35 – – 29 6.0 60 5

Office and administrative support ........................ 100 30 18 3 19 6.0 64 5

Natural resources, construction, and maintenance 100 – – – – – 82 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – – – 99 –

Installation, maintenance, and repair ................... 100 – – – – – 79 –

Production, transportation, and material moving ..... 100 43 25 3 36 6.0 54 3

Production ............................................................ 100 36 26 3 – – 58 6

Transportation and material moving .................... 100 50 – – 49 6.0 49 1

Full time ................................................................... 100 31 22 3 21 6.0 66 3

Part time .................................................................. 100 44 – – 42 6.0 52 4

Union ....................................................................... 100 – – – – – 83 –

Nonunion ................................................................. 100 33 21 3 23 6.0 64 4

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 – – – – – 61 –

Lowest 10 percent ........................................... 100 – – – – – – –

Second 25 percent ............................................... 100 33 20 3 26 6.0 63 4

Third 25 percent ................................................... 100 37 23 3 24 6.0 59 4

Highest 25 percent ............................................... 100 26 21 3 17 – 71 2

Highest 10 percent ........................................... 100 25 21 3 18 – 73 2

Establishment characteristic

Goods-producing industries ..................................... 100 28 17 – 16 – 68 4

Manufacturing ...................................................... 100 32 19 – 19 – 63 5

Service-providing industries ..................................... 100 33 22 3 24 6.0 64 3

Trade, transportation, and utilities ....................... 100 37 16 3 32 6.0 59 5

Wholesale trade ............................................... 100 – – – – – 64 –

Retail trade ...................................................... 100 40 – – 38 – 55 5

Transportation and warehousing ..................... 100 – – – – – – 5

Utilities ............................................................. 100 – – – – – 100 –

Information ........................................................... 100 – – – – – 89 –

Financial activities ................................................ 100 39 35 3 24 – 58 3

Finance and insurance .................................... 100 40 36 3 26 – 57 3

Credit intermediation and related activities .. 100 – – – – – 67 –

Insurance carriers and related activities ...... 100 46 44 3 – – 51 3

Professional and business services ..................... 100 33 – – – – 66 1

Professional and technical services ................. 100 – – – – – 61 –

Education and health services ............................. 100 – – – – – 65 –

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

Healthcare and social assistance .................... 100 – – – – – 67 –

See footnotes at end of table.
Table 26. Savings and thrift plans: Automatic escalation features, private industry workers, National

Compensation Survey, 2012—Continued

(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)

Characteristics Total

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not

available

Not

determinable

Employee

contribution

escalates for

predetermined number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings

after

maximum

escalation

1 to 99 workers ........................................................ 100 33 19 3 27 6.0 64 3

1 to 49 workers .................................................... 100 31 16 3 22 6.0 67 2

50 to 99 workers .................................................. 100 – – – – – 57 –

100 workers or more ................................................ 100 31 22 3 20 6.0 66 4

100 to 499 workers .............................................. 100 26 – – 20 – 71 3

500 workers or more ............................................ 100 36 31 3 20 6.0 60 4

Geographic area

New England ........................................................... 100 – – – – – – 12

Middle Atlantic ......................................................... 100 39 36 – – – 54 6

East North Central ................................................... 100 22 13 – 16 6.0 76 1

West North Central .................................................. 100 34 25 3 – – 60 7

South Atlantic ........................................................... 100 – – – – – 59 –

East South Central ................................................... 100 35 – – – – 63 2

West South Central .................................................. 100 41 – – 40 6.0 57 2

Mountain .................................................................. 100 – – – – – 85 –

Pacific ...................................................................... 100 34 – – – – 66 –

1 The sum of the individual components may exceed the total because some

workers may be in plans in which employee contribution is escalated based on both

years of service and as a specified percent of earnings. 2 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and

below the threshold. The categories were formed using percentile estimates generated

using data from the National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 26. Standard errors for savings and thrift plans: Automatic escalation features, private industry

workers, National Compensation Survey, 2012

Characteristics

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not

available

Not

determinable

Employee

contribution

escalates for

predetermined number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings

after

maximum

escalation

Worker characteristic

All workers ............................................................... 2.9 2.4 0.0 2.9 0.0 3.0 1.0

Management, professional, and related .................. 5.2 4.7 0.0 4.0 – 5.0 1.0

Management, business, and financial ................. 4.8 3.7 0.0 4.3 – 5.0 1.3

Professional and related ...................................... 6.7 6.4 0.0 5.0 – 6.5 1.1

Service ..................................................................... – – – – – 13.1 –

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

Sales and office ....................................................... 4.3 2.8 0.0 4.0 0.0 4.8 2.3

Sales and related ................................................. 8.6 – – 8.5 0.0 9.3 3.2

Office and administrative support ........................ 4.4 3.2 0.0 3.7 0.0 4.9 2.2

Natural resources, construction, and maintenance – – – – – 6.4 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – 0.9 –

Installation, maintenance, and repair ................... – – – – – 7.7 –

Production, transportation, and material moving ..... 7.1 4.9 0.0 7.0 0.0 7.1 1.9

Production ............................................................ 7.4 7.1 0.0 – – 7.6 3.1

Transportation and material moving .................... 10.3 – – 10.3 0.0 10.3 0.7

Full time ................................................................... 2.9 2.5 0.0 3.0 0.0 3.0 1.0

Part time .................................................................. 10.0 – – 10.2 0.0 9.9 1.8

Union ....................................................................... – – – – – 5.6 –

Nonunion ................................................................. 3.1 2.6 0.0 3.2 0.0 3.3 1.0

Average wage within the following categories:2

Lowest 25 percent ............................................... – – – – – 14.1 –

Lowest 10 percent ........................................... – – – – – – –

Second 25 percent ............................................... 4.4 3.3 0.0 4.3 0.0 5.1 1.6

Third 25 percent ................................................... 4.9 3.8 0.0 4.4 0.0 4.9 1.6

Highest 25 percent ............................................... 4.8 4.5 0.0 3.7 – 4.6 0.8

Highest 10 percent ........................................... 4.8 4.5 0.0 4.7 – 4.8 0.8

Establishment characteristic

Goods-producing industries ..................................... 4.8 3.9 – 4.4 – 5.2 2.5

Manufacturing ...................................................... 5.4 4.7 – 4.8 – 5.8 2.8

Service-providing industries ..................................... 3.4 2.9 0.0 3.4 0.0 3.6 1.0

Trade, transportation, and utilities ....................... 6.2 3.9 0.0 6.0 0.0 6.6 2.7

Wholesale trade ............................................... – – – – – 11.1 –

Retail trade ...................................................... 11.3 – – 11.2 – 11.9 4.7

Transportation and warehousing ..................... – – – – – – 5.5

Utilities ............................................................. – – – – – 0.0 –

Information ........................................................... – – – – – 4.9 –

Financial activities ................................................ 7.3 7.2 0.0 5.4 – 7.3 1.6

Finance and insurance .................................... 7.5 7.4 0.0 5.6 – 7.5 1.7

Credit intermediation and related activities .. – – – – – 11.8 –

Insurance carriers and related activities ...... 11.1 11.1 0.0 – – 10.9 2.8

Professional and business services ..................... 9.3 – – – – 9.4 0.7

Professional and technical services ................. – – – – – 14.6 –

Education and health services ............................. – – – – – 12.6 –

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

Healthcare and social assistance .................... – – – – – 12.4 –

See footnotes at end of table.
Table 26. Standard errors for savings and thrift plans: Automatic escalation features, private industry

workers, National Compensation Survey, 2012—Continued

Characteristics

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not

available

Not

determinable

Employee

contribution

escalates for

predetermined number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings

after

maximum

escalation

1 to 99 workers ........................................................ 6.9 4.9 0.0 6.2 0.0 7.3 1.8

1 to 49 workers .................................................... 6.7 4.9 0.0 5.6 0.0 6.8 1.8

50 to 99 workers .................................................. – – – – – 13.6 –

100 workers or more ................................................ 3.5 2.9 0.0 3.4 1.3 3.7 1.2

100 to 499 workers .............................................. 5.1 – – 5.5 – 6.0 1.6

500 workers or more ............................................ 5.7 5.8 0.0 3.5 0.0 5.7 1.5

Geographic area

New England ........................................................... – – – – – – 8.5

Middle Atlantic ......................................................... 7.8 8.6 – – – 10.3 3.6

East North Central ................................................... 4.0 3.3 – 3.2 0.0 4.1 1.0

West North Central .................................................. 9.8 6.4 0.0 – – 11.5 4.4

South Atlantic ........................................................... – – – – – 12.3 –

East South Central ................................................... 10.2 – – – – 10.0 1.8

West South Central .................................................. 8.1 – – 8.7 0.0 8.1 1.4

Mountain .................................................................. – – – – – 7.8 –

Pacific ...................................................................... 8.7 – – – – 8.7 –

1 The sum of the individual components may exceed the total because some

workers may be in plans in which employee contribution is escalated based on

both years of service and as a specified percent of earnings. 2 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 27. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by

employer, private industry workers, National Compensation Survey, 2012

(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

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 33 44 50 50 100 100 60 6

Management, professional, and related .................. 100 34 – 50 50 – 100 58 7

Management, business, and financial ................. 100 36 50 50 50 100 100 55 9

Professional and related ...................................... 100 33 33 50 50 75 100 61 6

Service ..................................................................... 100 41 – – – 133 133 54 5

Protective service ................................................ 100 – – – – – – – 2

Sales and office ....................................................... 100 31 44 50 50 100 100 63 6

Sales and related ................................................. 100 26 50 50 60 75 – 69 6

Office and administrative support ........................ 100 33 40 50 50 100 100 60 7

Natural resources, construction, and maintenance 100 31 44 50 – 100 100 64 5

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – – – – 76 –

Installation, maintenance, and repair ................... 100 34 44 50 – 100 100 61 5

Production, transportation, and material moving ..... 100 34 36 50 60 – 100 60 5

Production ............................................................ 100 29 36 50 50 100 100 66 5

Transportation and material moving .................... 100 41 – 50 60 63 100 52 6

Full time ................................................................... 100 34 44 50 50 100 100 60 6

Part time .................................................................. 100 29 50 50 50 60 100 64 7

Union ....................................................................... 100 29 33 33 50 100 100 68 3

Nonunion ................................................................. 100 34 50 50 50 100 100 60 7

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 23 50 50 – 133 133 72 6

Lowest 10 percent ........................................... 100 – – – – – – 89 –

Second 25 percent ............................................... 100 35 40 50 50 100 100 60 5

Third 25 percent ................................................... 100 34 50 50 60 – 100 60 6

Highest 25 percent ............................................... 100 35 – 50 50 100 100 58 7

Highest 10 percent ........................................... 100 37 – 50 50 100 100 56 7

Establishment characteristic

Goods-producing industries ..................................... 100 34 36 50 50 – 100 60 7

Manufacturing ...................................................... 100 35 36 40 50 100 100 58 8

Service-providing industries ..................................... 100 33 50 50 60 100 100 60 6

Trade, transportation, and utilities ....................... 100 34 50 60 60 – 100 60 6

Wholesale trade ............................................... 100 42 50 60 75 75 75 56 3

Retail trade ...................................................... 100 24 50 50 – 100 100 69 7

Transportation and warehousing ..................... 100 53 – – – – – 41 6

Utilities ............................................................. 100 – – – – – – 75 –

Information ........................................................... 100 37 – 50 50 – 100 63 3 ( )

Financial activities ................................................ 100 31 44 50 50 – 100 58 12

Finance and insurance .................................... 100 32 50 50 50 – 100 57 11

Credit intermediation and related activities .. 100 24 50 50 50 – 100 68 9

Insurance carriers and related activities ...... 100 46 33 50 50 100 100 48 6

Professional and business services ..................... 100 41 50 50 – 100 100 54 5

Professional and technical services ................. 100 34 – – – – – 61 5

Education and health services ............................. 100 31 – 50 – – 133 62 7

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

Junior colleges, colleges, and universities ... 100 – – – – – – – –

Healthcare and social assistance .................... 100 32 – 50 – – 133 63 5

See footnotes at end of table.
Table 27. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by

employer, private industry workers, National Compensation Survey, 2012—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

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 31 50 50 50 – 100 62 6

1 to 49 workers .................................................... 100 32 50 50 50 – 100 61 7

50 to 99 workers .................................................. 100 30 – 50 50 – 100 66 4

100 workers or more ................................................ 100 35 38 50 60 100 100 59 6

100 to 499 workers .............................................. 100 31 50 50 – 100 – 64 5

500 workers or more ............................................ 100 40 33 50 60 100 100 53 8

Geographic area

New England ........................................................... 100 29 50 50 60 – 100 61 10

Middle Atlantic ......................................................... 100 30 33 50 – – 133 60 10

East North Central ................................................... 100 38 36 50 50 – 100 51 11

West North Central .................................................. 100 49 33 50 50 75 100 45 6

South Atlantic ........................................................... 100 30 50 50 50 100 100 67 3

East South Central ................................................... 100 28 50 50 50 60 100 66 6

West South Central .................................................. 100 22 50 50 60 67 100 75 3

Mountain .................................................................. 100 39 50 75 – 100 100 58 3

Pacific ...................................................................... 100 37 44 50 – 100 100 57 6

1 The percentage is determined by the ratio of the default enrollment amount to the

maximum employee contribution matched by the employer, for those plans that specify both

values. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

3 Less than 0.5.

Note: Because of rounding, sums of individual items may not equal totals. Dashes indicate that

no data were reported or that data do not meet publication criteria. For definitions of major plans,

key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 27. 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, 2012

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 2.0 6.9 0.0 8.6 6.9 0.0 1.9 0.8

Management, professional, and related .................. 2.9 – 0.0 0.0 – 0.0 3.3 1.4

Management, business, and financial ................. 3.8 0.0 0.0 7.3 24.0 0.0 4.4 2.5

Professional and related ...................................... 3.3 4.9 0.0 0.0 14.7 0.0 3.5 1.1

Service ..................................................................... 7.7 – – – 38.7 0.0 8.6 2.0

Protective service ................................................ – – – – – – – 2.0

Sales and office ....................................................... 2.6 8.9 0.0 14.3 8.5 0.0 2.5 1.1

Sales and related ................................................. 4.0 0.0 0.0 9.3 7.2 – 4.1 1.8

Office and administrative support ........................ 3.5 5.6 0.0 6.5 0.0 0.0 3.1 1.4

Natural resources, construction, and maintenance 5.2 4.2 1.5 – 0.0 0.0 5.6 1.9

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 8.2 –

Installation, maintenance, and repair ................... 6.5 2.2 4.4 – 0.0 0.0 6.8 2.4

Production, transportation, and material moving ..... 3.7 6.8 0.0 13.3 – 0.0 3.9 1.7

Production ............................................................ 4.0 7.4 2.0 0.0 20.0 0.0 4.5 2.0

Transportation and material moving .................... 5.2 – 7.6 2.0 6.6 28.5 5.6 2.9

Full time ................................................................... 2.0 7.4 0.0 9.2 6.9 0.0 1.9 0.8

Part time .................................................................. 4.2 0.0 0.0 8.6 0.0 4.9 4.3 3.0

Union ....................................................................... 5.7 0.0 3.0 10.3 18.1 0.0 5.2 2.0

Nonunion ................................................................. 2.2 4.6 0.0 9.6 8.5 0.0 2.0 0.9

Average wage within the following categories:2

Lowest 25 percent ............................................... 5.8 0.0 3.9 – 13.1 0.0 5.6 2.1

Lowest 10 percent ........................................... – – – – – – 4.3 –

Second 25 percent ............................................... 3.0 4.0 0.0 14.0 0.0 0.0 2.8 1.2

Third 25 percent ................................................... 2.6 6.4 0.0 9.4 – 0.0 2.7 1.3

Highest 25 percent ............................................... 2.9 – 0.0 0.0 13.0 0.0 3.2 1.2

Highest 10 percent ........................................... 3.8 – 0.0 0.0 11.0 0.0 4.0 2.2

Establishment characteristic

Goods-producing industries ..................................... 3.8 3.1 9.4 0.0 – 0.0 3.8 2.6

Manufacturing ...................................................... 3.9 3.8 11.4 0.0 19.0 0.0 3.9 3.0

Service-providing industries ..................................... 2.0 0.0 0.0 11.3 8.5 0.0 2.0 0.8

Trade, transportation, and utilities ....................... 3.0 0.0 6.5 14.3 – 0.0 3.4 1.8

Wholesale trade ............................................... 7.3 7.6 7.5 14.2 0.0 9.8 7.7 2.7

Retail trade ...................................................... 4.1 0.0 10.0 – 0.0 0.0 4.2 2.0

Transportation and warehousing ..................... 8.3 – – – – – 9.6 6.0

Utilities ............................................................. – – – – – – 7.0 –

Information ........................................................... 6.5 – 7.9 0.0 – 9.8 6.5 0.2

Financial activities ................................................ 3.3 7.8 0.0 0.0 – 0.0 3.7 2.4

Finance and insurance .................................... 3.5 4.2 0.0 0.0 – 0.0 4.3 3.1

Credit intermediation and related activities .. 6.2 8.3 0.0 0.0 – 22.4 6.2 3.6

Insurance carriers and related activities ...... 5.6 8.1 5.2 3.9 29.4 0.0 6.1 2.3

Professional and business services ..................... 5.9 0.0 0.0 – 0.0 0.0 6.2 1.8

Professional and technical services ................. 8.1 – – – – – 8.7 2.8

Education and health services ............................. 5.8 – 0.0 – – 0.0 6.2 1.8

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

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

Healthcare and social assistance .................... 6.4 – 0.0 – – 0.0 6.9 1.6

See footnotes at end of table.
Table 27. 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, 2012—Continued

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 3.5 12.4 0.0 0.0 – 0.0 3.7 1.4

1 to 49 workers .................................................... 4.1 11.3 0.0 0.0 – 0.0 4.4 1.9

50 to 99 workers .................................................. 5.1 – 0.0 13.0 – 13.9 4.9 1.4

100 workers or more ................................................ 2.4 10.6 0.0 13.8 0.0 0.0 2.4 1.1

100 to 499 workers .............................................. 3.4 1.1 0.0 – 12.0 – 3.5 1.2

500 workers or more ............................................ 3.0 0.0 0.0 16.9 0.0 0.0 3.2 2.0

Geographic area

New England ........................................................... 5.2 0.0 0.0 5.2 – 0.0 5.3 3.7

Middle Atlantic ......................................................... 6.7 0.0 0.0 – – 0.0 6.3 2.4

East North Central ................................................... 3.7 6.0 0.0 0.0 – 0.0 4.0 2.9

West North Central .................................................. 3.1 0.0 12.2 0.0 17.7 19.6 3.3 1.7

South Atlantic ........................................................... 5.9 11.1 0.0 8.3 8.5 0.0 5.7 2.2

East South Central ................................................... 5.6 7.9 0.0 7.1 2.0 26.5 4.2 4.0

West South Central .................................................. 3.1 0.0 0.0 6.2 18.0 20.8 3.0 1.5

Mountain .................................................................. 7.6 8.3 8.8 – 0.0 0.0 7.9 1.2

Pacific ...................................................................... 3.2 5.6 0.0 – 0.0 0.0 3.8 1.8

1 The percentage is determined by the ratio of the default enrollment amount to the

maximum employee contribution matched by the employer, for those plans that specify

both values. 2 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and below

the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2012."

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/glossary20122013.htm.
Table 28. Savings and thrift plans: Maximum employee contributions,1

 private industry workers, National Compensation Survey,

2012

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 100 62 24 – 50 75 75 38 – –

Management, professional, and related .................. 100 62 20 – 50 75 75 38 – –

Management, business, and financial ................. 100 71 20 30 50 70 75 29 – –

Professional and related ...................................... 100 55 25 – 50 75 75 45 – –

Service ..................................................................... 100 47 20 – – 75 90 53 – –

Protective service ................................................ 100 67 – 30 – 75 75 – – –

Sales and office ....................................................... 100 68 25 50 50 60 80 31 – –

Sales and related ................................................. 100 71 40 50 50 50 75 29 – –

Office and administrative support ........................ 100 67 25 – 50 75 80 32 – –

Natural resources, construction, and maintenance 100 67 16 25 – 50 75 33 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 79 – – 50 75 75 – – –

Installation, maintenance, and repair ................... 100 63 16 25 30 50 – 37 – –

Production, transportation, and material moving ..... 100 51 25 40 50 75 75 48 – –

Production ............................................................ 100 46 25 50 50 75 75 53 – –

Transportation and material moving .................... 100 59 25 40 50 50 75 41 – –

Full time ................................................................... 100 62 20 30 50 75 75 38 – –

Part time .................................................................. 100 64 25 50 50 60 80 36 – –

Union ....................................................................... 100 74 16 30 50 50 75 25 – –

Nonunion ................................................................. 100 61 25 40 50 75 80 39 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 60 20 50 50 75 80 39 – –

Lowest 10 percent ........................................... 100 56 20 – 50 75 80 44 – –

Second 25 percent ............................................... 100 56 25 50 50 60 75 44 – –

Third 25 percent ................................................... 100 62 25 40 50 75 80 38 – –

Highest 25 percent ............................................... 100 66 20 30 50 70 75 34 – –

Highest 10 percent ........................................... 100 66 25 – 50 75 75 34 – –

Establishment characteristic

Goods-producing industries ..................................... 100 58 25 30 50 75 75 42 – –

Manufacturing ...................................................... 100 55 25 – 50 75 75 45 – –

Service-providing industries ..................................... 100 63 20 – 50 70 75 37 – –

Trade, transportation, and utilities ....................... 100 66 25 50 50 50 75 34 – –

Wholesale trade ............................................... 100 59 – 50 50 50 75 39 – –

Retail trade ...................................................... 100 70 – 50 50 50 75 30 – –

Transportation and warehousing ..................... 100 67 25 40 50 50 60 33 – –

Utilities ............................................................. 100 66 24 25 – – 84 34 – –

Information ........................................................... 100 78 16 – 30 50 50 – – –

Financial activities ................................................ 100 63 25 40 50 50 75 37 – –

Finance and insurance .................................... 100 64 25 40 50 – 75 35 – –

Credit intermediation and related activities .. 100 70 30 40 50 – 75 29 – –

Insurance carriers and related activities ...... 100 58 25 – 50 – 80 42 – –

Professional and business services ..................... 100 75 20 25 50 75 80 25 – –

Professional and technical services ................. 100 76 19 – 60 75 80 24 – –

Education and health services ............................. 100 38 25 50 75 90 90 62 – –

Educational services ........................................ 100 38 – – – 75 95 62 – –

Junior colleges, colleges, and universities ... 100 33 25 25 – 85 95 67 – –

Healthcare and social assistance .................... 100 38 – 50 75 90 90 62 – –

See footnotes at end of table.
Table 28. Savings and thrift plans: Maximum employee contributions,1

 private industry workers, National Compensation Survey,

2012—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 57 19 30 50 70 80 43 – –

1 to 49 workers .................................................... 100 59 19 25 50 75 80 40 – –

50 to 99 workers .................................................. 100 52 25 – 50 70 75 48 – –

100 workers or more ................................................ 100 64 25 40 50 75 75 35 – –

100 to 499 workers .............................................. 100 66 25 50 50 75 75 34 – –

500 workers or more ............................................ 100 62 20 – 50 75 75 38 – –

Geographic area

New England ........................................................... 100 63 16 25 50 60 80 36 – –

Middle Atlantic ......................................................... 100 54 20 50 50 75 90 46 – –

East North Central ................................................... 100 52 25 – 50 60 75 48 – –

West North Central .................................................. 100 61 – 50 50 75 75 39 – –

South Atlantic ........................................................... 100 67 19 25 50 60 75 33 – –

East South Central ................................................... 100 58 20 – 50 – 75 42 – –

West South Central .................................................. 100 63 25 30 50 50 75 36 – –

Mountain .................................................................. 100 65 30 50 50 75 80 35 – –

Pacific ...................................................................... 100 71 25 50 50 75 75 29 – –

1 The percent of earnings that are specified. Actual contributions may be limited by the Internal

Revenue Code limit. 2 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 28. Standard errors for savings and thrift plans: Maximum employee contributions,1

 private industry workers, National

Compensation Survey, 2012

Characteristics

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 1.8 5.9 – 0.0 6.8 4.8 1.8 – –

Management, professional, and related .................. 2.9 4.5 – 0.0 2.9 4.8 2.9 – –

Management, business, and financial ................. 2.9 3.0 8.7 0.0 9.8 3.3 2.9 – –

Professional and related ...................................... 3.9 6.4 – 0.0 1.4 6.3 3.9 – –

Service ..................................................................... 6.5 0.0 – – 13.7 4.5 6.5 – –

Protective service ................................................ 18.8 – 0.0 – 17.5 4.6 – – –

Sales and office ....................................................... 2.1 0.0 3.9 0.0 11.0 6.4 2.1 – –

Sales and related ................................................. 3.8 10.0 0.0 0.0 0.0 15.8 3.7 – –

Office and administrative support ........................ 2.7 3.0 – 0.0 6.9 3.3 2.7 – –

Natural resources, construction, and maintenance 4.7 0.0 2.2 – 3.4 0.0 4.7 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 7.9 – – 8.6 8.3 0.0 – – –

Installation, maintenance, and repair ................... 5.9 0.0 6.0 1.7 0.0 – 5.9 – –

Production, transportation, and material moving ..... 4.4 0.0 11.1 0.0 8.1 0.0 4.3 – –

Production ............................................................ 5.7 1.4 11.8 13.0 0.0 3.9 5.7 – –

Transportation and material moving .................... 5.5 0.0 7.1 0.0 10.4 0.0 5.5 – –

Full time ................................................................... 1.9 4.9 5.5 0.0 4.8 4.2 1.9 – –

Part time .................................................................. 5.7 3.9 0.0 0.0 11.8 6.0 5.7 – –

Union ....................................................................... 4.4 0.0 7.2 14.8 0.0 0.0 4.4 – –

Nonunion ................................................................. 1.9 4.2 5.7 0.0 4.0 6.5 1.9 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... 5.1 2.2 2.0 0.0 7.8 8.4 5.1 – –

Lowest 10 percent ........................................... 11.2 0.0 – 4.4 3.8 1.4 11.2 – –

Second 25 percent ............................................... 2.8 0.0 14.4 0.0 7.1 1.4 2.8 – –

Third 25 percent ................................................... 2.5 0.0 9.4 0.0 2.6 4.9 2.5 – –

Highest 25 percent ............................................... 2.7 2.6 6.3 0.0 8.3 0.0 2.7 – –

Highest 10 percent ........................................... 3.4 7.0 – 0.0 7.7 0.0 3.3 – –

Establishment characteristic

Goods-producing industries ..................................... 3.5 3.9 7.2 4.4 5.7 8.2 3.5 – –

Manufacturing ...................................................... 4.2 2.4 – 5.9 5.7 6.9 4.2 – –

Service-providing industries ..................................... 2.1 5.2 – 0.0 13.2 5.5 2.1 – –

Trade, transportation, and utilities ....................... 3.0 0.0 0.0 0.0 0.0 12.5 3.0 – –

Wholesale trade ............................................... 7.6 – 0.0 0.0 4.8 20.6 7.5 – –

Retail trade ...................................................... 4.2 – 0.0 0.0 0.0 13.2 4.2 – –

Transportation and warehousing ..................... 8.3 4.3 11.6 2.0 0.0 16.6 8.3 – –

Utilities ............................................................. 9.2 4.6 1.2 – – 0.0 9.2 – –

Information ........................................................... 7.7 0.0 – 0.0 9.6 0.0 – – –

Financial activities ................................................ 3.2 0.0 11.8 0.0 12.4 0.0 3.2 – –

Finance and insurance .................................... 3.2 3.3 6.2 0.0 – 0.0 3.1 – –

Credit intermediation and related activities .. 5.0 2.9 8.3 0.0 – 0.0 5.0 – –

Insurance carriers and related activities ...... 6.1 0.0 – 0.0 – 6.1 6.1 – –

Professional and business services ..................... 4.8 1.7 6.4 2.8 5.6 6.5 4.8 – –

Professional and technical services ................. 6.9 1.7 – 12.5 2.6 1.7 6.9 – –

Education and health services ............................. 6.3 3.8 0.0 0.0 9.0 0.0 6.3 – –

Educational services ........................................ 10.1 – – – 6.6 6.2 10.1 – –

Junior colleges, colleges, and universities ... 8.9 0.0 0.0 – 15.4 0.0 8.9 – –

Healthcare and social assistance .................... 7.1 – 0.0 0.0 7.5 0.0 7.1 – –

See footnotes at end of table.
Table 28. Standard errors for savings and thrift plans: Maximum employee contributions,1

 private industry workers, National

Compensation Survey, 2012—Continued

Characteristics

Percent

of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 3.8 5.7 6.1 0.0 5.4 4.3 3.8 – –

1 to 49 workers .................................................... 4.7 4.4 7.3 0.0 4.9 3.3 4.7 – –

50 to 99 workers .................................................. 6.1 4.3 – 0.0 5.9 3.5 6.1 – –

100 workers or more ................................................ 2.4 5.3 9.0 0.0 12.3 0.0 2.4 – –

100 to 499 workers .............................................. 3.1 2.8 13.5 0.0 19.2 4.2 3.1 – –

500 workers or more ............................................ 3.3 5.4 – 0.0 12.0 0.0 3.3 – –

Geographic area

New England ........................................................... 7.9 3.4 5.4 0.0 8.1 6.4 7.2 – –

Middle Atlantic ......................................................... 4.8 5.4 3.4 0.0 0.0 10.1 4.9 – –

East North Central ................................................... 5.5 0.0 – 0.0 13.9 0.0 5.5 – –

West North Central .................................................. 6.3 – 0.0 0.0 4.2 3.5 6.3 – –

South Atlantic ........................................................... 4.4 1.1 1.4 0.0 6.5 6.8 4.4 – –

East South Central ................................................... 7.4 4.4 – 0.0 – 0.0 7.4 – –

West South Central .................................................. 4.0 2.6 5.4 0.0 10.8 0.0 3.9 – –

Mountain .................................................................. 10.0 2.9 13.6 0.0 12.3 0.0 10.0 – –

Pacific ...................................................................... 2.5 6.8 9.1 0.0 0.0 0.0 2.4 – –

1 The percent of earnings that are specified. Actual contributions may be limited by the

Internal Revenue Code limit. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 29. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National

Compensation Survey, 2012

(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 64 3 4 6 6 6 36 –

Management, professional, and related .................. 100 66 3 4 6 6 6 34 –

Management, business, and financial ................. 100 66 4 5 6 6 6 34 –

Professional and related ...................................... 100 65 3 4 6 6 6 35 –

Service ..................................................................... 100 47 – 3 5 6 6 53 –

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

Sales and office ....................................................... 100 67 4 5 6 6 6 33 –

Sales and related ................................................. 100 64 4 5 6 6 6 36 –

Office and administrative support ........................ 100 68 – 5 6 6 6 32 –

Natural resources, construction, and maintenance 100 72 2 4 6 6 6 28 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 63 – 4 6 6 6 37 –

Installation, maintenance, and repair ................... 100 74 2 4 6 6 6 26 –

Production, transportation, and material moving ..... 100 58 4 4 6 6 6 42 –

Production ............................................................ 100 62 – 4 6 6 6 38 –

Transportation and material moving .................... 100 53 4 5 6 6 6 47 –

Full time ................................................................... 100 64 3 4 6 6 6 36 –

Part time .................................................................. 100 62 – 5 6 6 6 38 –

Union ....................................................................... 100 70 3 6 6 6 6 30 –

Nonunion ................................................................. 100 63 3 4 6 6 6 37 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 55 3 4 6 6 6 45 –

Lowest 10 percent ........................................... 100 45 4 5 5 6 6 55 –

Second 25 percent ............................................... 100 61 3 4 6 6 6 39 –

Third 25 percent ................................................... 100 63 3 4 6 6 6 37 –

Highest 25 percent ............................................... 100 69 3 5 6 6 6 31 –

Highest 10 percent ........................................... 100 66 3 4 6 6 6 34 –

Establishment characteristic

Goods-producing industries ..................................... 100 69 3 4 6 6 – 31 –

Manufacturing ...................................................... 100 69 3 4 6 6 – 31 –

Service-providing industries ..................................... 100 63 3 4 6 6 6 37 –

Trade, transportation, and utilities ....................... 100 66 – 5 6 6 6 34 –

Wholesale trade ............................................... 100 73 – 4 5 6 6 27 –

Retail trade ...................................................... 100 66 – 5 6 6 6 34 –

Transportation and warehousing ..................... 100 51 4 4 5 6 6 49 –

Utilities ............................................................. 100 83 3 5 6 6 6 – –

Information ........................................................... 100 84 6 6 6 6 6 – –

Financial activities ................................................ 100 61 4 5 6 6 6 39 –

Finance and insurance .................................... 100 62 4 5 6 6 6 38 –

Credit intermediation and related activities .. 100 74 4 5 6 6 6 26 –

Insurance carriers and related activities ...... 100 40 – 5 6 6 6 60 –

Professional and business services ..................... 100 59 4 5 6 6 6 41 –

Professional and technical services ................. 100 61 4 5 6 6 6 39 –

Education and health services ............................. 100 65 2 3 5 6 6 35 –

Educational services ........................................ 100 85 2 – 5 5 6 15 –

Junior colleges, colleges, and universities ... 100 80 2 4 5 5 6 20 –

Healthcare and social assistance .................... 100 63 – 3 5 6 6 37 –

See footnotes at end of table.
Table 29. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National

Compensation Survey, 2012—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 65 3 5 6 6 6 35 –

1 to 49 workers .................................................... 100 65 3 – 6 6 6 35 –

50 to 99 workers .................................................. 100 63 3 – 6 6 – 37 –

100 workers or more ................................................ 100 64 3 4 6 6 6 36 –

100 to 499 workers .............................................. 100 66 – 4 6 6 6 34 –

500 workers or more ............................................ 100 61 – 4 6 6 6 39 –

Geographic area

New England ........................................................... 100 63 – 5 6 6 6 37 –

Middle Atlantic ......................................................... 100 58 3 4 6 6 6 42 –

East North Central ................................................... 100 70 – 5 6 6 6 30 –

West North Central .................................................. 100 53 3 4 6 6 6 47 –

South Atlantic ........................................................... 100 66 – 4 6 6 6 34 –

East South Central ................................................... 100 70 3 4 5 6 6 30 –

West South Central .................................................. 100 69 3 4 6 6 6 31 –

Mountain .................................................................. 100 68 – 4 6 6 6 32 –

Pacific ...................................................................... 100 57 3 5 6 6 6 43 –

1 Other methods of employer matches include maximum dollar amounts specified by the

employer, varying contributions by the employer based on employee contributions or service, and

other matching methods. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 29. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2012

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 ............................................................... 1.9 0.0 0.4 0.0 0.0 0.0 1.9 –

Management, professional, and related .................. 3.4 0.0 0.0 0.0 0.0 0.0 3.4 –

Management, business, and financial ................. 4.6 0.5 0.0 0.4 0.0 0.0 4.6 –

Professional and related ...................................... 3.8 0.0 0.0 0.2 0.0 0.0 3.8 –

Service ..................................................................... 6.0 – 0.8 0.6 0.0 0.0 6.0 –

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

Sales and office ....................................................... 2.5 0.8 0.0 0.0 0.0 0.0 2.5 –

Sales and related ................................................. 3.9 0.0 0.3 0.0 0.0 0.0 3.9 –

Office and administrative support ........................ 2.7 – 0.0 0.0 0.0 0.0 2.7 –

Natural resources, construction, and maintenance 4.6 0.4 0.1 0.0 0.0 0.0 4.6 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 9.3 – 0.0 1.2 0.0 0.4 9.3 –

Installation, maintenance, and repair ................... 4.7 0.3 0.6 0.0 0.0 0.0 4.7 –

Production, transportation, and material moving ..... 4.3 0.8 0.3 0.9 0.0 0.0 4.3 –

Production ............................................................ 4.7 – 0.3 1.0 0.0 0.3 4.7 –

Transportation and material moving .................... 6.1 0.0 1.3 0.9 0.0 0.0 6.1 –

Full time ................................................................... 2.0 0.0 0.3 0.0 0.0 0.0 2.0 –

Part time .................................................................. 4.7 – 1.4 0.3 0.0 0.0 4.7 –

Union ....................................................................... 5.5 0.0 0.9 0.0 0.0 0.0 5.5 –

Nonunion ................................................................. 2.0 0.0 0.1 0.0 0.0 0.0 2.0 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 4.9 0.0 0.7 0.3 0.0 0.0 4.9 –

Lowest 10 percent ........................................... 9.6 0.3 0.4 1.1 0.0 0.0 9.6 –

Second 25 percent ............................................... 3.0 0.0 0.2 0.4 0.0 0.0 3.0 –

Third 25 percent ................................................... 2.6 0.5 0.2 0.2 0.0 0.0 2.6 –

Highest 25 percent ............................................... 3.2 0.6 1.1 0.0 0.0 0.0 3.2 –

Highest 10 percent ........................................... 4.3 0.4 1.0 0.0 0.0 0.0 4.3 –

Establishment characteristic

Goods-producing industries ..................................... 3.5 0.5 0.0 0.0 0.0 – 3.5 –

Manufacturing ...................................................... 4.1 0.7 0.0 0.4 0.0 – 4.1 –

Service-providing industries ..................................... 2.2 0.0 0.9 0.0 0.0 0.0 2.2 –

Trade, transportation, and utilities ....................... 2.8 – 1.3 0.2 0.0 0.0 2.8 –

Wholesale trade ............................................... 6.3 – 0.4 1.2 0.0 0.0 6.3 –

Retail trade ...................................................... 4.5 – 0.0 0.0 0.0 0.0 4.5 –

Transportation and warehousing ..................... 7.8 0.0 0.9 1.0 0.0 0.0 7.8 –

Utilities ............................................................. 6.1 0.4 0.9 0.0 0.0 0.0 – –

Information ........................................................... 6.4 0.7 0.0 0.0 0.0 0.7 – –

Financial activities ................................................ 3.1 0.4 0.0 0.0 0.0 0.0 3.1 –

Finance and insurance .................................... 3.7 0.7 0.2 0.0 0.0 0.0 3.7 –

Credit intermediation and related activities .. 4.5 0.0 0.0 0.0 0.0 0.0 4.5 –

Insurance carriers and related activities ...... 4.4 – 1.2 0.0 0.0 0.0 4.4 –

Professional and business services ..................... 6.2 0.8 0.6 0.7 0.0 0.0 6.2 –

Professional and technical services ................. 8.1 0.9 0.7 0.0 0.0 0.0 8.1 –

Education and health services ............................. 5.1 0.4 0.8 0.7 0.0 0.0 5.1 –

Educational services ........................................ 4.0 0.0 – 0.5 0.8 0.0 4.0 –

Junior colleges, colleges, and universities ... 4.6 0.0 1.0 0.0 0.0 0.9 4.6 –

Healthcare and social assistance .................... 5.7 – 0.8 1.1 0.0 0.0 5.7 –

See footnotes at end of table.
Table 29. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2012—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 ........................................................ 4.1 0.3 1.5 0.0 0.0 0.0 4.1 –

1 to 49 workers .................................................... 5.0 0.4 – 0.4 0.0 0.0 5.0 –

50 to 99 workers .................................................. 6.2 0.9 – 0.0 0.0 – 6.2 –

100 workers or more ................................................ 2.4 0.6 0.2 0.0 0.0 0.0 2.4 –

100 to 499 workers .............................................. 3.0 – 0.9 0.0 0.0 0.0 3.0 –

500 workers or more ............................................ 3.5 – 0.0 1.3 0.0 0.0 3.5 –

Geographic area

New England ........................................................... 9.6 – 1.1 0.0 0.0 1.2 9.6 –

Middle Atlantic ......................................................... 5.5 0.0 0.8 0.3 0.0 0.0 5.5 –

East North Central ................................................... 4.7 – 1.1 0.0 0.0 0.0 4.7 –

West North Central .................................................. 4.2 0.6 1.1 0.0 0.0 0.0 4.2 –

South Atlantic ........................................................... 5.4 – 0.4 1.7 0.0 0.0 5.4 –

East South Central ................................................... 4.0 0.7 0.0 0.1 0.0 0.0 4.0 –

West South Central .................................................. 3.0 0.9 0.9 0.3 0.0 0.0 3.0 –

Mountain .................................................................. 8.4 – 0.9 0.9 0.0 0.4 8.4 –

Pacific ...................................................................... 3.9 0.4 0.9 0.0 0.0 0.0 3.9 –

1 Other methods of employer matches include maximum dollar amounts specified by

the employer, varying contributions by the employer based on employee contributions or

service, and other matching methods. 2 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and below

the threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2012."

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/glossary20122013.htm.
Table 30. Savings and thrift plans: Method of employer matching contributions, private industry workers, National

Compensation Survey, 2012

(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 64 50 50 100 100 100 36 –

Management, professional, and related .................. 100 66 – 50 100 100 100 34 –

Management, business, and financial ................. 100 66 – 50 100 100 100 34 –

Professional and related ...................................... 100 65 50 50 – 100 100 35 –

Service ..................................................................... 100 47 – 50 – 100 – 53 –

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

Sales and office ....................................................... 100 67 50 50 100 100 100 33 –

Sales and related ................................................. 100 64 50 75 100 100 100 36 –

Office and administrative support ........................ 100 68 50 50 100 100 100 32 –

Natural resources, construction, and maintenance 100 72 – 50 82 100 100 28 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 63 50 50 – 100 100 37 –

Installation, maintenance, and repair ................... 100 74 – – 82 100 100 26 –

Production, transportation, and material moving ..... 100 58 25 50 50 100 100 42 –

Production ............................................................ 100 62 25 50 50 100 100 38 –

Transportation and material moving .................... 100 53 25 50 – 100 100 47 –

Full time ................................................................... 100 64 – 50 100 100 100 36 –

Part time .................................................................. 100 62 50 50 100 100 100 38 –

Union ....................................................................... 100 70 50 50 80 82 100 30 –

Nonunion ................................................................. 100 63 – 50 100 100 100 37 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 55 – 50 100 100 100 45 –

Lowest 10 percent ........................................... 100 45 25 50 – 100 100 55 –

Second 25 percent ............................................... 100 61 – 50 100 100 100 39 –

Third 25 percent ................................................... 100 63 – 50 – 100 100 37 –

Highest 25 percent ............................................... 100 69 – 50 100 100 100 31 –

Highest 10 percent ........................................... 100 66 – 50 100 100 100 34 –

Establishment characteristic

Goods-producing industries ..................................... 100 69 – 50 – 100 100 31 –

Manufacturing ...................................................... 100 69 – 50 50 100 100 31 –

Service-providing industries ..................................... 100 63 – 50 100 100 100 37 –

Trade, transportation, and utilities ....................... 100 66 – 50 100 100 100 34 –

Wholesale trade ............................................... 100 73 25 – – 100 100 27 –

Retail trade ...................................................... 100 66 50 100 100 100 100 34 –

Transportation and warehousing ..................... 100 51 – 50 100 100 100 49 –

Utilities ............................................................. 100 83 70 85 100 100 100 – –

Information ........................................................... 100 84 – 80 80 100 100 – –

Financial activities ................................................ 100 61 50 50 100 100 100 39 –

Finance and insurance .................................... 100 62 50 50 100 100 100 38 –

Credit intermediation and related activities .. 100 74 50 – 100 100 100 26 –

Insurance carriers and related activities ...... 100 40 – 50 – 100 100 60 –

Professional and business services ..................... 100 59 – 50 100 100 100 41 –

Professional and technical services ................. 100 61 25 – 100 100 100 39 –

Education and health services ............................. 100 65 50 50 50 100 100 35 –

Educational services ........................................ 100 85 50 – 100 100 100 15 –

Junior colleges, colleges, and universities ... 100 80 – 100 100 100 150 20 –

Healthcare and social assistance .................... 100 63 – 50 50 – 100 37 –

See footnotes at end of table.
Table 30. Savings and thrift plans: Method of employer matching contributions, private industry workers, National

Compensation Survey, 2012—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 65 – 50 100 100 100 35 –

1 to 49 workers .................................................... 100 65 – – 100 100 100 35 –

50 to 99 workers .................................................. 100 63 50 50 – 100 100 37 –

100 workers or more ................................................ 100 64 – 50 80 100 100 36 –

100 to 499 workers .............................................. 100 66 – 50 – 100 100 34 –

500 workers or more ............................................ 100 61 50 50 100 100 100 39 –

Geographic area

New England ........................................................... 100 63 – 50 80 100 100 37 –

Middle Atlantic ......................................................... 100 58 – 50 – 100 100 42 –

East North Central ................................................... 100 70 – 50 50 100 100 30 –

West North Central .................................................. 100 53 50 50 – 100 100 47 –

South Atlantic ........................................................... 100 66 – 50 100 100 100 34 –

East South Central ................................................... 100 70 50 85 100 100 100 30 –

West South Central .................................................. 100 69 – 50 100 100 100 31 –

Mountain .................................................................. 100 68 – – 100 100 125 32 –

Pacific ...................................................................... 100 57 50 50 100 100 100 43 –

1 Other methods of employer matches include maximum dollar amounts specified by the

employer, varying contributions by the employer based on employee contributions or service, and

other matching methods. 2 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 30. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2012

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 ............................................................... 1.9 14.9 0.0 17.2 0.0 0.0 1.9 –

Management, professional, and related .................. 3.4 – 0.0 19.2 0.0 0.0 3.4 –

Management, business, and financial ................. 4.6 – 0.0 0.0 0.0 0.0 4.6 –

Professional and related ...................................... 3.8 0.0 0.0 – 0.0 0.0 3.8 –

Service ..................................................................... 6.0 – 0.0 – 0.0 – 6.0 –

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

Sales and office ....................................................... 2.5 0.0 0.0 0.0 0.0 0.0 2.5 –

Sales and related ................................................. 3.9 0.0 18.2 0.0 0.0 0.0 3.9 –

Office and administrative support ........................ 2.7 0.0 0.0 0.0 0.0 0.0 2.7 –

Natural resources, construction, and maintenance 4.6 – 9.5 1.8 0.0 0.0 4.6 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 9.3 0.0 0.0 – 0.0 0.0 9.3 –

Installation, maintenance, and repair ................... 4.7 – – 1.8 0.0 0.0 4.7 –

Production, transportation, and material moving ..... 4.3 1.0 0.0 0.0 0.0 0.0 4.3 –

Production ............................................................ 4.7 7.5 0.0 0.0 0.0 0.0 4.7 –

Transportation and material moving .................... 6.1 2.2 2.8 – 0.0 0.0 6.1 –

Full time ................................................................... 2.0 – 0.0 27.0 0.0 0.0 2.0 –

Part time .................................................................. 4.7 0.0 0.0 0.0 0.0 0.0 4.7 –

Union ....................................................................... 5.5 0.0 7.7 0.0 0.8 0.0 5.5 –

Nonunion ................................................................. 2.0 – 0.0 0.0 0.0 0.0 2.0 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 4.9 – 0.0 0.0 0.0 0.0 4.9 –

Lowest 10 percent ........................................... 9.6 5.3 0.0 – 0.0 0.0 9.6 –

Second 25 percent ............................................... 3.0 – 0.0 0.0 0.0 0.0 3.0 –

Third 25 percent ................................................... 2.6 – 0.0 – 0.0 0.0 2.6 –

Highest 25 percent ............................................... 3.2 – 0.0 28.6 0.0 0.0 3.2 –

Highest 10 percent ........................................... 4.3 – 0.0 0.0 0.0 0.0 4.3 –

Establishment characteristic

Goods-producing industries ..................................... 3.5 – 0.0 – 0.0 0.0 3.5 –

Manufacturing ...................................................... 4.1 – 0.0 14.7 0.0 0.0 4.1 –

Service-providing industries ..................................... 2.2 – 0.0 4.6 0.0 0.0 2.2 –

Trade, transportation, and utilities ....................... 2.8 – 0.0 0.0 0.0 0.0 2.8 –

Wholesale trade ............................................... 6.3 0.0 – – 0.0 0.0 6.3 –

Retail trade ...................................................... 4.5 0.0 5.5 0.0 0.0 0.0 4.5 –

Transportation and warehousing ..................... 7.8 – 14.0 0.0 0.0 0.0 7.8 –

Utilities ............................................................. 6.1 6.7 16.2 0.0 0.0 0.0 – –

Information ........................................................... 6.4 – 5.6 1.5 25.5 0.0 – –

Financial activities ................................................ 3.1 0.0 0.0 0.0 0.0 0.0 3.1 –

Finance and insurance .................................... 3.7 0.0 0.0 0.0 0.0 0.0 3.7 –

Credit intermediation and related activities .. 4.5 0.0 – 0.0 0.0 0.0 4.5 –

Insurance carriers and related activities ...... 4.4 – 0.0 – 0.0 0.0 4.4 –

Professional and business services ..................... 6.2 – 14.5 3.9 0.0 0.0 6.2 –

Professional and technical services ................. 8.1 0.0 – 13.3 0.0 0.0 8.1 –

Education and health services ............................. 5.1 12.7 0.0 0.0 9.8 0.0 5.1 –

Educational services ........................................ 4.0 0.0 – 0.0 0.0 24.0 4.0 –

Junior colleges, colleges, and universities ... 4.6 – 0.0 0.0 0.0 43.9 4.6 –

Healthcare and social assistance .................... 5.7 – 0.0 0.0 – 0.0 5.7 –

See footnotes at end of table.
Table 30. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2012—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 ........................................................ 4.1 – 0.0 0.0 0.0 0.0 4.1 –

1 to 49 workers .................................................... 5.0 – – 0.0 0.0 0.0 5.0 –

50 to 99 workers .................................................. 6.2 0.0 0.0 – 0.0 0.0 6.2 –

100 workers or more ................................................ 2.4 – 0.0 15.2 0.0 0.0 2.4 –

100 to 499 workers .............................................. 3.0 – 0.0 – 0.0 0.0 3.0 –

500 workers or more ............................................ 3.5 0.0 0.0 15.2 0.0 0.0 3.5 –

Geographic area

New England ........................................................... 9.6 – 0.0 18.8 0.0 0.0 9.6 –

Middle Atlantic ......................................................... 5.5 – 0.0 – 0.0 0.0 5.5 –

East North Central ................................................... 4.7 – 0.0 10.4 0.0 0.0 4.7 –

West North Central .................................................. 4.2 0.0 0.0 – 0.0 0.0 4.2 –

South Atlantic ........................................................... 5.4 – 10.2 0.0 0.0 0.0 5.4 –

East South Central ................................................... 4.0 9.4 20.5 0.0 0.0 0.0 4.0 –

West South Central .................................................. 3.0 – 0.0 22.1 0.0 0.0 3.0 –

Mountain .................................................................. 8.4 – – 4.9 0.0 31.0 8.4 –

Pacific ...................................................................... 3.9 0.0 0.0 19.0 0.0 0.0 3.9 –

1 Other methods of employer matches include maximum dollar amounts specified by

the employer, varying contributions by the employer based on employee contributions or

service, and other matching methods. 2 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and below

the threshold. The categories were formed using percentile estimates generated using data

from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2012."

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/glossary20122013.htm.
Table 31. Savings and thrift plans: Maximum potential employer contribution,1

 private

industry workers, National Compensation Survey, 2012

(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 3.0 4.0 5.1 6.0

Management, professional, and related .................. – 3.0 – 5.0 6.0

Management, business, and financial ................. – 3.0 4.8 – 6.0

Professional and related ...................................... – 3.0 3.0 4.8 6.0

Service ..................................................................... – 2.0 3.0 – 6.0

Sales and office ....................................................... 2.0 3.0 4.9 6.0 6.0

Sales and related ................................................. – 4.0 5.0 6.0 6.0

Office and administrative support ........................ – 3.0 4.8 6.0 6.0

Natural resources, construction, and maintenance 1.8 – 4.0 4.9 6.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.0 3.0 – – 5.1

Installation, maintenance, and repair ................... – – 4.5 4.9 6.0

Production, transportation, and material moving ..... – 2.0 3.0 4.5 6.0

Production ............................................................ 1.0 2.5 3.0 4.0 5.0

Transportation and material moving .................... 1.5 2.0 3.0 5.0 6.0

Full time ................................................................... 1.5 3.0 4.0 5.0 6.0

Part time .................................................................. 1.5 3.0 5.0 6.0 6.0

Union ....................................................................... 1.5 3.0 4.8 4.9 5.0

Nonunion ................................................................. 1.5 3.0 4.0 6.0 6.0

Average wage within the following categories:2

Lowest 25 percent ............................................... 1.5 3.0 – 6.0 6.0

Lowest 10 percent ........................................... – 2.4 3.0 5.0 5.0

Second 25 percent ............................................... 1.5 3.0 4.0 6.0 6.0

Third 25 percent ................................................... 1.5 2.8 3.0 5.0 6.0

Highest 25 percent ............................................... 1.8 3.0 4.0 5.0 6.0

Highest 10 percent ........................................... – 3.0 4.0 6.0 6.0

Establishment characteristic

Goods-producing industries ..................................... 2.0 3.0 3.0 4.9 6.0

Manufacturing ...................................................... – 3.0 3.0 4.0 6.0

Service-providing industries ..................................... 1.5 3.0 4.0 6.0 6.0

Trade, transportation, and utilities ....................... 1.5 3.0 4.5 6.0 6.0

Wholesale trade ............................................... – – 3.0 4.0 5.0

Retail trade ...................................................... 2.0 3.0 5.0 6.0 6.0

Transportation and warehousing ..................... 1.8 – – 5.5 6.0

Utilities ............................................................. 3.0 4.2 5.1 6.0 6.0

Information ........................................................... – 4.8 4.8 5.3 6.0

Financial activities ................................................ 3.0 3.0 5.0 6.0 6.0

Finance and insurance .................................... 3.0 3.0 5.0 6.0 6.0

Credit intermediation and related activities .. 3.0 3.0 5.0 6.0 6.0

Insurance carriers and related activities ...... 1.5 3.0 – 6.0 6.0

Professional and business services ..................... 1.5 3.0 4.8 6.0 6.0

Professional and technical services ................. 1.5 – 4.8 6.0 6.0

Education and health services ............................. 1.3 2.0 3.0 3.0 6.0

Educational services ........................................ 2.0 – – 5.0 5.0

Junior colleges, colleges, and universities ... – – 5.0 5.0 –

Healthcare and social assistance .................... 1.3 2.0 3.0 3.0 –

See footnotes at end of table.
Table 31. Savings and thrift plans: Maximum potential employer contribution,1

 private

industry workers, National Compensation Survey, 2012—Continued

(Includes all workers participating in savings and thrift plans that specify matching contributions)

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ – 3.0 4.0 6.0 6.0

1 to 49 workers .................................................... – 3.0 4.9 6.0 6.0

50 to 99 workers .................................................. 2.0 3.0 3.0 4.8 6.0

100 workers or more ................................................ 1.5 3.0 4.0 5.0 6.0

100 to 499 workers .............................................. 1.5 3.0 3.0 5.0 6.0

500 workers or more ............................................ – 3.0 4.0 5.0 6.0

Geographic area

New England ........................................................... – 3.0 4.0 5.0 6.0

Middle Atlantic ......................................................... – 3.0 3.0 4.9 6.0

East North Central ................................................... 1.8 – 3.0 4.8 6.0

West North Central .................................................. 2.0 3.0 4.0 6.0 6.0

South Atlantic ........................................................... 1.5 2.3 4.0 6.0 6.0

East South Central ................................................... 2.0 3.0 4.2 5.1 6.0

West South Central .................................................. 1.5 3.0 4.0 5.0 6.0

Mountain .................................................................. – 3.0 4.5 6.0 6.3

Pacific ...................................................................... – 3.0 – 5.0 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 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 31. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1

 private industry workers, National Compensation Survey, 2012

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ............................................................... 0.3 0.0 0.4 0.5 0.0

Management, professional, and related .................. – 0.0 – 0.0 0.0

Management, business, and financial ................. – 0.0 1.1 – 0.0

Professional and related ...................................... – 0.7 0.0 0.7 0.0

Service ..................................................................... – 0.6 0.0 – 0.3

Sales and office ....................................................... 0.5 0.0 0.2 0.0 0.0

Sales and related ................................................. – 1.0 0.4 0.0 0.0

Office and administrative support ........................ – 0.0 0.8 0.0 0.0

Natural resources, construction, and maintenance 0.5 – 0.7 0.1 1.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 0.9 – – 1.2

Installation, maintenance, and repair ................... – – 0.9 0.1 1.0

Production, transportation, and material moving ..... – 0.5 0.0 0.8 0.3

Production ............................................................ 0.3 0.6 0.0 0.0 1.3

Transportation and material moving .................... 0.1 0.3 0.6 0.8 0.0

Full time ................................................................... 0.3 2 ( ) 0.6 0.3 0.0

Part time .................................................................. 0.2 0.2 1.3 0.0 0.0

Union ....................................................................... 0.1 0.3 0.5 0.1 0.1

Nonunion ................................................................. 0.3 0.0 0.8 1.3 0.0

Average wage within the following categories:3

Lowest 25 percent ............................................... 0.4 0.1 – 0.0 0.0

Lowest 10 percent ........................................... – 0.7 0.7 0.0 1.3

Second 25 percent ............................................... 0.1 0.6 1.0 0.2 0.0

Third 25 percent ................................................... 0.2 0.5 0.2 0.0 0.0

Highest 25 percent ............................................... 0.5 0.0 0.0 0.1 0.0

Highest 10 percent ........................................... – 0.0 0.0 0.9 0.0

Establishment characteristic

Goods-producing industries ..................................... 0.4 0.4 0.0 1.1 0.0

Manufacturing ...................................................... – 0.4 0.0 0.8 0.0

Service-providing industries ..................................... 0.2 0.1 2 ( ) 1.2 0.0

Trade, transportation, and utilities ....................... 0.4 0.4 0.8 0.1 0.0

Wholesale trade ............................................... – – 0.0 0.3 0.3

Retail trade ...................................................... 0.1 0.4 0.7 0.0 0.0

Transportation and warehousing ..................... 0.2 – – 0.8 0.0

Utilities ............................................................. 0.2 1.1 0.3 0.0 0.0

Information ........................................................... – 0.3 0.1 0.4 0.0

Financial activities ................................................ 0.5 0.0 0.8 0.0 0.0

Finance and insurance .................................... 0.5 0.0 0.7 0.0 0.0

Credit intermediation and related activities .. 0.0 0.0 0.0 0.0 0.0

Insurance carriers and related activities ...... 0.4 0.8 – 0.3 0.0

Professional and business services ..................... 0.0 0.7 0.9 0.7 0.3

Professional and technical services ................. 0.0 – 0.8 1.1 0.0

Education and health services ............................. 0.3 0.0 0.2 0.0 1.6

Educational services ........................................ 0.3 – – 0.0 1.3

Junior colleges, colleges, and universities ... – – 0.0 0.0 –

Healthcare and social assistance .................... 0.3 2 ( ) 0.3 0.0 –

See footnotes at end of table.
Table 31. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1

 private industry workers, National Compensation Survey, 2012—Continued

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ – 0.0 0.5 1.7 0.0

1 to 49 workers .................................................... – 0.0 0.6 0.6 0.0

50 to 99 workers .................................................. 2 ( ) 0.1 0.0 0.5 1.0

100 workers or more ................................................ 0.1 0.6 0.9 0.5 0.0

100 to 499 workers .............................................. 0.1 0.7 0.7 0.9 0.0

500 workers or more ............................................ – 0.3 0.0 0.4 0.0

Geographic area

New England ........................................................... – 0.6 1.0 0.0 0.0

Middle Atlantic ......................................................... – 0.0 0.0 0.2 0.0

East North Central ................................................... 0.4 – 0.0 0.4 0.0

West North Central .................................................. 0.1 0.0 1.0 0.5 0.0

South Atlantic ........................................................... 0.2 0.7 0.9 0.6 0.0

East South Central ................................................... 2 ( ) 0.0 0.9 0.7 0.0

West South Central .................................................. 0.3 0.7 0.2 1.2 0.0

Mountain .................................................................. – 0.6 0.8 0.0 0.2

Pacific ...................................................................... – 0.0 – 1.0 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 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 32. Savings and thrift plans: Eligibility requirements, private industry workers, National

Compensation Survey, 2012

(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 69 21 6 26 5

Management, professional, and related .................. 100 57 21 – 38 6

Management, business, and financial ................. 100 66 20 3 29 5

Professional and related ...................................... 100 49 21 6 45 6

Service ..................................................................... 100 82 21 – 10 8

Protective service ................................................ 100 97 21 – – –

Sales and office ....................................................... 100 77 21 – 19 4

Sales and related ................................................. 100 86 21 12 11 3

Office and administrative support ........................ 100 73 21 6 23 5

Natural resources, construction, and maintenance 100 69 19 12 27 4

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 72 21 12 – –

Installation, maintenance, and repair ................... 100 67 19 – 27 5

Production, transportation, and material moving ..... 100 79 21 6 19 2

Production ............................................................ 100 75 21 – 23 2

Transportation and material moving .................... 100 84 21 – 14 2

Full time ................................................................... 100 68 21 6 27 5

Part time .................................................................. 100 82 21 12 16 2

Union ....................................................................... 100 59 18 – 38 4

Nonunion ................................................................. 100 70 21 6 25 5

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 93 21 12 – –

Lowest 10 percent ........................................... 100 97 21 12 – –

Second 25 percent ............................................... 100 79 21 – 17 4

Third 25 percent ................................................... 100 71 21 – 25 4

Highest 25 percent ............................................... 100 56 21 6 38 6

Highest 10 percent ........................................... 100 53 21 3 41 6

Establishment characteristic

Goods-producing industries ..................................... 100 68 21 3 28 4

Manufacturing ...................................................... 100 65 19 3 31 4

Service-providing industries ..................................... 100 70 21 – 26 5

Trade, transportation, and utilities ....................... 100 82 21 – 14 4

Wholesale trade ............................................... 100 69 18 – – –

Retail trade ...................................................... 100 92 21 12 – –

Transportation and warehousing ..................... 100 85 21 – – –

Utilities ............................................................. 100 48 – 1 37 14

Information ........................................................... 100 44 18 – 56 2 ( )

Financial activities ................................................ 100 69 21 – 25 6

Finance and insurance .................................... 100 68 18 – 27 5

Credit intermediation and related activities .. 100 76 21 – 20 4

Insurance carriers and related activities ...... 100 64 18 – 29 7

Professional and business services ..................... 100 55 21 – 39 6

Professional and technical services ................. 100 49 21 3 42 9

Education and health services ............................. 100 66 21 – 27 7

Educational services ........................................ 100 47 21 12 38 15

Junior colleges, colleges, and universities ... 100 – – – – –

Healthcare and social assistance .................... 100 68 21 – 26 6

See footnotes at end of table.
Table 32. Savings and thrift plans: Eligibility requirements, private industry workers, National

Compensation Survey, 2012—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 75 21 6 20 5

1 to 49 workers .................................................... 100 75 21 6 21 4

50 to 99 workers .................................................. 100 75 21 6 19 6

100 workers or more ................................................ 100 66 21 – 30 5

100 to 499 workers .............................................. 100 69 21 – 27 4

500 workers or more ............................................ 100 61 18 – 33 6

Geographic area

New England ........................................................... 100 55 21 – 35 9

Middle Atlantic ......................................................... 100 67 21 – – –

East North Central ................................................... 100 71 21 – 23 6

West North Central .................................................. 100 71 21 12 25 4

South Atlantic ........................................................... 100 68 21 – 27 5

East South Central ................................................... 100 63 20 – 32 5

West South Central .................................................. 100 81 21 12 16 3

Mountain .................................................................. 100 77 21 – 22 1

Pacific ...................................................................... 100 66 18 6 31 3

1 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012." 2 Less than 0.5.

Note: Because of rounding, sums of individual items may not equal totals.

Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 32. Standard errors for savings and thrift plans: Eligibility requirements, private

industry workers, National Compensation Survey, 2012

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 ............................................................... 1.8 0.0 0.0 1.9 0.7

Management, professional, and related .................. 3.3 0.7 – 3.5 1.3

Management, business, and financial ................. 4.3 1.4 0.0 4.3 1.2

Professional and related ...................................... 3.8 0.0 1.7 3.9 1.6

Service ..................................................................... 3.6 0.0 – 2.4 3.5

Protective service ................................................ 1.8 2.9 – – –

Sales and office ....................................................... 1.8 0.0 – 1.6 0.6

Sales and related ................................................. 3.0 0.0 0.0 2.9 0.9

Office and administrative support ........................ 2.1 0.0 0.0 2.1 0.8

Natural resources, construction, and maintenance 6.1 2.0 1.7 6.0 2.1

Construction, extraction, farming, fishing, and

forestry ............................................................... 9.9 2.9 0.0 – –

Installation, maintenance, and repair ................... 7.2 1.2 – 7.1 2.8

Production, transportation, and material moving ..... 3.4 0.0 1.3 3.3 0.6

Production ............................................................ 4.7 2.7 – 4.7 0.7

Transportation and material moving .................... 3.2 0.0 – 3.0 1.2

Full time ................................................................... 1.9 0.0 0.0 1.9 0.8

Part time .................................................................. 3.7 0.0 1.2 3.6 0.8

Union ....................................................................... 5.5 0.5 – 4.9 2.0

Nonunion ................................................................. 2.0 0.0 0.0 2.0 0.8

Average wage within the following categories:1

Lowest 25 percent ............................................... 1.7 0.0 0.2 – –

Lowest 10 percent ........................................... 2.0 0.0 0.0 – –

Second 25 percent ............................................... 2.3 0.0 – 2.0 1.1

Third 25 percent ................................................... 2.7 1.6 – 2.8 0.9

Highest 25 percent ............................................... 3.0 1.4 1.5 3.2 1.2

Highest 10 percent ........................................... 4.0 0.0 0.2 4.1 1.7

Establishment characteristic

Goods-producing industries ..................................... 4.4 1.9 0.6 4.3 1.3

Manufacturing ...................................................... 4.9 2.7 0.0 4.7 1.4

Service-providing industries ..................................... 2.0 0.0 – 2.2 0.8

Trade, transportation, and utilities ....................... 2.8 0.4 – 2.5 1.4

Wholesale trade ............................................... 7.3 2.0 – – –

Retail trade ...................................................... 2.7 0.2 0.0 – –

Transportation and warehousing ..................... 4.7 0.0 – – –

Utilities ............................................................. 9.3 – 0.0 9.4 5.1

Information ........................................................... 8.9 3.4 – 8.9 0.2

Financial activities ................................................ 2.5 2.4 – 2.6 1.7

Finance and insurance .................................... 2.6 2.5 – 2.6 1.1

Credit intermediation and related activities .. 4.2 2.7 – 4.0 1.5

Insurance carriers and related activities ...... 5.3 0.0 – 5.5 2.1

Professional and business services ..................... 5.7 1.1 – 6.3 2.5

Professional and technical services ................. 7.5 1.4 0.4 8.8 4.0

Education and health services ............................. 5.1 0.0 – 4.9 2.3

Educational services ........................................ 10.2 0.0 0.0 10.5 7.8

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

Healthcare and social assistance .................... 5.3 0.0 – 5.0 2.4

See footnotes at end of table.
Table 32. Standard errors for savings and thrift plans: Eligibility requirements, private

industry workers, National Compensation Survey, 2012—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 ........................................................ 2.8 0.0 0.0 3.1 1.2

1 to 49 workers .................................................... 3.7 0.2 0.0 3.7 1.4

50 to 99 workers .................................................. 6.1 0.0 1.2 5.4 2.4

100 workers or more ................................................ 2.2 0.0 – 2.2 1.0

100 to 499 workers .............................................. 3.2 0.0 – 3.1 1.1

500 workers or more ............................................ 3.3 3.3 – 3.0 1.8

Geographic area

New England ........................................................... 7.0 3.0 – 9.5 5.4

Middle Atlantic ......................................................... 8.3 0.0 – – –

East North Central ................................................... 5.4 3.2 – 4.6 2.0

West North Central .................................................. 4.9 1.0 0.0 5.3 2.1

South Atlantic ........................................................... 4.5 0.0 – 5.3 2.6

East South Central ................................................... 4.4 1.3 – 4.5 3.2

West South Central .................................................. 3.9 0.0 0.0 3.2 1.1

Mountain .................................................................. 3.7 0.0 – 3.5 1.0

Pacific ...................................................................... 5.3 0.4 0.6 5.2 0.9

1 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 33. Savings and thrift plans: Selected provisions, private industry workers, National

Compensation Survey, 2012

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Rollovers allowed Loans allowed

Yes No Not

determinable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 78 4 18 58 23 19

Management, professional, and related .................. 77 – – 60 22 18

Management, business, and financial ................. 77 – – – – –

Professional and related ...................................... 77 – – 63 21 17

Sales and office:

 Sales and related ................................................. 78 – – 37 45 18

Natural resources, construction, and maintenance 82 – – 69 19 11

Construction, extraction, farming, fishing, and

forestry ............................................................... 80 – – 65 – –

Installation, maintenance, and repair ................... 83 – – 71 – –

Production, transportation, and material moving ..... 80 – – 59 23 18

Production ............................................................ 78 – – 65 16 18

Transportation and material moving .................... 82 – – 50 32 17

Full time ................................................................... 77 4 19 59 22 19

Part time .................................................................. 84 – – 47 38 14

Union ....................................................................... 83 – – 71 18 11

Nonunion ................................................................. 77 4 19 57 24 19

Average wage within the following categories:1

Lowest 25 percent ............................................... 84 – – 49 34 17

Lowest 10 percent ........................................... 94 – – 51 34 15

Second 25 percent ............................................... 77 3 19 53 29 18

Third 25 percent ................................................... 76 5 19 – – –

Highest 25 percent ............................................... 78 – – 62 19 19

Highest 10 percent ........................................... 76 – – 62 19 19

Service-providing industries ..................................... 78 4 17 58 24 17

Trade, transportation, and utilities ....................... 81 – – 45 41 15

Wholesale trade ............................................... 76 – – 64 17 19

Retail trade ...................................................... 80 – – 28 60 12

Transportation and warehousing ..................... 93 – – 60 – –

Information ........................................................... 84 – 16 81 – –

Financial activities ................................................ – – – 72 9 19

Finance and insurance .................................... – – – 75 9 16

Credit intermediation and related activities .. 82 – 18 76 – –

Insurance carriers and related activities ...... 80 – – 80 – –

Professional and business services ..................... 75 – – 55 28 17

Professional and technical services ................. 77 – – 53 – –

See footnotes at end of table.
Table 33. Savings and thrift plans: Selected provisions, private industry workers, National

Compensation Survey, 2012—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Rollovers allowed Loans allowed

Yes No Not

determinable Yes No Notdeterminable

1 to 99 workers ........................................................ 78 – – – – –

50 to 99 workers .................................................. 88 – – 60 24 16

100 workers or more ................................................ 77 4 19 59 24 17

100 to 499 workers .............................................. 82 3 15 59 29 12

Geographic area

New England ........................................................... 76 – – – – –

Middle Atlantic ......................................................... 78 – – – – –

South Atlantic ........................................................... 80 – – 53 31 16

East South Central ................................................... 82 – – 46 38 15

West South Central .................................................. 75 – – 58 27 14

Mountain .................................................................. – – – 58 26 16

Pacific ...................................................................... 84 – – 71 14 15

1 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories were

formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 33. Standard errors for savings and thrift plans: Selected provisions, private industry

workers, National Compensation Survey, 2012

Characteristics

Rollovers allowed Loans allowed

Yes No Not

determinable Yes No Notdeterminable

Worker characteristic

All workers ............................................................... 1.6 0.9 1.5 2.1 1.6 1.6

Management, professional, and related .................. 2.5 – – 3.4 3.1 2.2

Management, business, and financial ................. 3.4 – – – – –

Professional and related ...................................... 3.2 – – 3.5 3.2 2.3

Sales and office:

 Sales and related ................................................. 3.5 – – 4.1 4.2 3.3

Natural resources, construction, and maintenance 3.6 – – 4.9 4.5 3.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 9.1 – – 10.2 – –

Installation, maintenance, and repair ................... 3.9 – – 5.8 – –

Production, transportation, and material moving ..... 2.7 – – 4.0 3.8 2.5

Production ............................................................ 3.4 – – 4.4 4.1 3.4

Transportation and material moving .................... 5.2 – – 6.3 6.9 4.7

Full time ................................................................... 1.7 0.9 1.5 2.2 1.7 1.6

Part time .................................................................. 3.4 – – 4.5 4.1 3.3

Union ....................................................................... 2.8 – – 4.6 4.1 2.4

Nonunion ................................................................. 1.7 0.9 1.5 2.2 1.7 1.6

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.0 – – 5.1 4.1 3.0

Lowest 10 percent ........................................... 2.6 – – 10.7 9.4 6.1

Second 25 percent ............................................... 2.5 0.9 2.3 3.3 2.8 2.4

Third 25 percent ................................................... 2.2 1.3 2.0 – – –

Highest 25 percent ............................................... 2.3 – – 3.4 3.0 2.2

Highest 10 percent ........................................... 3.9 – – 4.0 3.3 3.4

Service-providing industries ..................................... 1.7 1.0 1.5 2.3 1.9 1.7

Trade, transportation, and utilities ....................... 2.9 – – 3.7 3.5 2.6

Wholesale trade ............................................... 6.6 – – 5.9 5.1 5.8

Retail trade ...................................................... 3.5 – – 3.7 4.0 2.5

Transportation and warehousing ..................... 6.1 – – 8.2 – –

Information ........................................................... 7.1 – 7.1 5.7 – –

Financial activities ................................................ – – – 3.8 1.9 3.2

Finance and insurance .................................... – – – 4.3 2.0 3.7

Credit intermediation and related activities .. 4.4 – 4.4 4.7 – –

Insurance carriers and related activities ...... 4.3 – – 4.4 – –

Professional and business services ..................... 5.9 – – 6.9 6.8 4.2

Professional and technical services ................. 6.5 – – 10.9 – –

See footnotes at end of table.
Table 33. Standard errors for savings and thrift plans: Selected provisions, private industry

workers, National Compensation Survey, 2012—Continued

Characteristics

Rollovers allowed Loans allowed

Yes No Not

determinable Yes No Notdeterminable

1 to 99 workers ........................................................ 3.0 – – – – –

50 to 99 workers .................................................. 3.4 – – 6.2 6.0 4.8

100 workers or more ................................................ 2.1 1.2 1.9 2.6 2.0 1.8

100 to 499 workers .............................................. 2.5 0.9 2.2 3.5 3.1 1.6

Geographic area

New England ........................................................... 4.4 – – – – –

Middle Atlantic ......................................................... 4.7 – – – – –

South Atlantic ........................................................... 4.5 – – 7.2 5.2 5.3

East South Central ................................................... 6.2 – – 9.0 8.9 1.9

West South Central .................................................. 3.8 – – 5.7 4.7 3.3

Mountain .................................................................. – – – 5.0 3.3 5.7

Pacific ...................................................................... 2.8 – – 2.1 3.3 2.5

1 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories were

formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 34. Savings and thrift plans: Vesting requirements, private industry workers, National

Compensation Survey, 2012

(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 31 26 34 9

Management, professional, and related .................. 100 32 26 31 10

Management, business, and financial ................. 100 36 22 33 9

Professional and related ...................................... 100 30 30 30 10

Service ..................................................................... 100 14 33 45 9

Protective service ................................................ 100 – 71 – 4

Sales and office ....................................................... 100 34 26 31 9

Sales and related ................................................. 100 44 22 25 8

Office and administrative support ........................ 100 29 28 34 9

Natural resources, construction, and maintenance 100 31 35 28 6

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 44 – – 3

Installation, maintenance, and repair ................... 100 27 38 27 7

Production, transportation, and material moving ..... 100 29 20 42 9

Production ............................................................ 100 27 12 52 9

Transportation and material moving .................... 100 32 30 28 10

Full time ................................................................... 100 30 26 34 9

Part time .................................................................. 100 39 25 29 7

Union ....................................................................... 100 23 42 30 5

Nonunion ................................................................. 100 32 25 34 9

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 32 17 43 8

Lowest 10 percent ........................................... 100 – – 56 4

Second 25 percent ............................................... 100 33 26 33 7

Third 25 percent ................................................... 100 28 26 36 10

Highest 25 percent ............................................... 100 32 29 29 10

Highest 10 percent ........................................... 100 36 22 32 10

Establishment characteristic

Goods-producing industries ..................................... 100 25 14 48 13

Manufacturing ...................................................... 100 25 12 46 16

Service-providing industries ..................................... 100 33 30 30 8

Trade, transportation, and utilities ....................... 100 41 25 28 6

Wholesale trade ............................................... 100 25 31 33 10

Retail trade ...................................................... 100 48 20 26 6

Transportation and warehousing ..................... 100 41 33 – –

Utilities ............................................................. 100 67 – – 3

Information ........................................................... 100 – 65 – 6

Financial activities ................................................ 100 39 26 28 7

Finance and insurance .................................... 100 37 27 29 6

Credit intermediation and related activities .. 100 43 26 26 5

Insurance carriers and related activities ...... 100 28 30 34 8

Professional and business services ..................... 100 37 31 20 12

Professional and technical services ................. 100 44 – – 11

Education and health services ............................. 100 18 29 42 10

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

Junior colleges, colleges, and universities ... 100 – – – –

Healthcare and social assistance .................... 100 17 30 44 9

See footnotes at end of table.
Table 34. Savings and thrift plans: Vesting requirements, private industry workers, National

Compensation Survey, 2012—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 26 26 40 9

1 to 49 workers .................................................... 100 25 25 40 11

50 to 99 workers .................................................. 100 27 28 39 6

100 workers or more ................................................ 100 34 27 30 9

100 to 499 workers .............................................. 100 38 25 30 7

500 workers or more ............................................ 100 30 29 30 12

Geographic area

New England ........................................................... 100 24 43 23 10

Middle Atlantic ......................................................... 100 21 36 34 8

East North Central ................................................... 100 28 26 33 12

West North Central .................................................. 100 38 – 26 –

South Atlantic ........................................................... 100 33 24 34 9

East South Central ................................................... 100 47 – 32 –

West South Central .................................................. 100 35 24 37 5

Mountain .................................................................. 100 23 29 34 14

Pacific ...................................................................... 100 35 18 39 8

1 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 34. Standard errors for savings and thrift plans: Vesting requirements,

private industry workers, National Compensation Survey, 2012

Characteristics Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

Worker characteristic

All workers ............................................................... 1.6 1.7 1.9 1.1

Management, professional, and related .................. 3.1 2.9 2.7 1.9

Management, business, and financial ................. 4.5 3.0 4.2 2.7

Professional and related ...................................... 3.4 3.8 3.2 1.9

Service ..................................................................... 2.3 6.8 7.2 3.4

Protective service ................................................ – 13.5 – 2.6

Sales and office ....................................................... 2.1 2.0 2.2 1.7

Sales and related ................................................. 4.0 3.5 3.8 3.0

Office and administrative support ........................ 2.3 2.6 2.9 1.8

Natural resources, construction, and maintenance 4.8 6.2 5.6 2.2

Construction, extraction, farming, fishing, and

forestry ............................................................... 10.9 – – 1.9

Installation, maintenance, and repair ................... 4.8 6.8 6.1 2.7

Production, transportation, and material moving ..... 3.1 3.3 3.6 1.6

Production ............................................................ 3.7 3.3 5.0 2.4

Transportation and material moving .................... 4.6 5.3 4.4 2.6

Full time ................................................................... 1.7 1.7 1.9 1.1

Part time .................................................................. 3.7 3.3 4.0 2.8

Union ....................................................................... 4.5 6.3 6.3 2.0

Nonunion ................................................................. 1.7 1.9 2.1 1.2

Average wage within the following categories:1

Lowest 25 percent ............................................... 4.6 3.1 6.0 2.3

Lowest 10 percent ........................................... – – 10.1 2.4

Second 25 percent ............................................... 2.1 2.9 3.1 1.3

Third 25 percent ................................................... 2.6 2.8 2.5 1.6

Highest 25 percent ............................................... 2.8 2.7 2.6 1.7

Highest 10 percent ........................................... 3.7 2.9 3.2 2.8

Establishment characteristic

Goods-producing industries ..................................... 2.9 2.4 3.6 3.0

Manufacturing ...................................................... 2.9 2.3 4.0 3.4

Service-providing industries ..................................... 2.1 2.1 2.2 1.1

Trade, transportation, and utilities ....................... 3.6 3.5 3.2 1.5

Wholesale trade ............................................... 5.5 8.4 6.6 4.1

Retail trade ...................................................... 4.3 3.4 4.2 2.0

Transportation and warehousing ..................... 8.3 8.0 – –

Utilities ............................................................. 9.0 – – 1.7

Information ........................................................... – 8.1 – 3.3

Financial activities ................................................ 3.4 3.3 3.5 1.2

Finance and insurance .................................... 3.4 3.4 3.6 1.3

Credit intermediation and related activities .. 4.6 4.3 5.2 1.4

Insurance carriers and related activities ...... 5.3 7.1 5.8 2.5

Professional and business services ..................... 6.5 5.3 5.6 4.6

Professional and technical services ................. 8.8 – – 5.6

Education and health services ............................. 2.9 5.0 5.8 3.6

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

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

Healthcare and social assistance .................... 3.3 5.4 6.1 3.7

1 to 99 workers ........................................................ 2.7 3.1 3.4 1.8

See footnotes at end of table.
Table 34. Standard errors for savings and thrift plans: Vesting requirements,

private industry workers, National Compensation Survey, 2012—Continued

Characteristics Immediate

full vesting Cliff vesting Gradedvesting

Not

determinable

1 to 49 workers .................................................... 3.0 4.4 4.4 2.4

50 to 99 workers .................................................. 5.2 6.1 6.5 2.4

100 workers or more ................................................ 2.1 1.9 2.1 1.6

100 to 499 workers .............................................. 3.2 3.0 3.1 1.5

500 workers or more ............................................ 3.4 3.0 2.7 2.9

Geographic area

New England ........................................................... 4.8 4.1 2.9 3.0

Middle Atlantic ......................................................... 3.4 6.7 7.1 3.2

East North Central ................................................... 3.7 4.7 4.5 3.1

West North Central .................................................. 7.6 – 6.5 –

South Atlantic ........................................................... 5.4 3.6 4.8 3.2

East South Central ................................................... 8.0 – 8.4 –

West South Central .................................................. 3.9 3.6 5.8 1.8

Mountain .................................................................. 3.5 6.2 9.4 5.4

Pacific ...................................................................... 3.9 2.7 3.6 1.8

1 Surveyed occupations are classified into wage

categories based on the average wage for the occupation,

which may include workers with earnings both above and

below the threshold. The categories were formed using

percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 35. Savings and thrift plans: Investment choices for employee funds, private industry workers, National Compensation

Survey, 2012

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Investment

choice

available

Available investments No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other Notdeterminable

Worker characteristic

All workers ............................................................... 100 87 24 56 73 49 18 12 – –

Management, professional, and related .................. 100 88 24 63 75 50 17 10 – –

Management, business, and financial ................. 100 89 27 65 77 53 16 9 – –

Professional and related ...................................... 100 87 21 61 73 48 19 10 – 13

Service ..................................................................... 100 82 – 42 64 28 9 17 – –

Protective service ................................................ 100 97 – – 91 70 –7–3

Sales and office ....................................................... 100 86 27 55 76 54 19 9 – –

Sales and related ................................................. 100 89 26 53 83 73 24 6 – –

Office and administrative support ........................ 100 84 27 55 72 45 17 11 – –

Natural resources, construction, and maintenance 100 89 44 65 71 46 26 17 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 85 37 68 71 37 – 14 – –

Installation, maintenance, and repair ................... 100 90 46 64 71 49 27 18 – –

Production, transportation, and material moving ..... 100 87 18 47 66 44 20 19 – –

Production ............................................................ 100 88 – – – – ––––

Transportation and material moving .................... 100 85 24 46 68 53 19 17 – –

Full time ................................................................... 100 86 24 57 72 48 18 12 – –

Part time .................................................................. 100 89 23 52 82 60 19 6 – –

Union ....................................................................... 100 91 57 74 82 43 23 8 – –

Nonunion ................................................................. 100 86 21 55 72 49 18 12 – –

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 86 14 45 71 44 11 14 – –

Lowest 10 percent ........................................... 100 79 – – – – ––––

Second 25 percent ............................................... 100 85 20 48 69 45 16 14 – –

Third 25 percent ................................................... 100 87 23 55 71 47 19 15 – –

Highest 25 percent ............................................... 100 87 30 66 76 53 21 8 – –

Highest 10 percent ........................................... 100 89 30 65 77 53 21 9 – 11

Establishment characteristic

Goods-producing industries ..................................... 100 84 19 51 64 38 17 17 – –

Manufacturing ...................................................... 100 83 17 48 62 40 17 15 – –

Service-providing industries ..................................... 100 87 25 58 75 51 19 11 – –

Trade, transportation, and utilities ....................... 100 89 29 51 77 60 22 11 – –

Wholesale trade ............................................... 100 80 31 60 76 52 –4––

Retail trade ...................................................... 100 92 23 46 81 72 22 11 – –

Transportation and warehousing ..................... 100 94 – – – – ––––

Utilities ............................................................. 100 86 44 54 72 40 – 14 – 14

Information ........................................................... 100 99 67 94 94 65 24 5 – 1

Financial activities ................................................ 100 87 31 65 72 44 17 13 – 13

Finance and insurance .................................... 100 89 31 68 76 45 17 13 – 11

Credit intermediation and related activities .. 100 91 35 68 75 45 12 15 – 9

Insurance carriers and related activities ...... 100 88 25 68 77 40 29 10 – 12

Professional and business services ..................... 100 88 31 68 80 67 24 2 – 12

Professional and technical services ................. 100 82 – 78 74 70 – 3 – 18

Education and health services:

 Healthcare and social assistance .................... 100 82 – 47 68 24 9 14 – 18

See footnotes at end of table.
Table 35. Savings and thrift plans: Investment choices for employee funds, private industry workers, National Compensation

Survey, 2012—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Investment

choice

available

Available investments No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other Notdeterminable

1 to 99 workers ........................................................ 100 83 20 50 63 38 16 18 – –

1 to 49 workers .................................................... 100 81 17 52 64 41 15 17 – –

50 to 99 workers .................................................. 100 87 – – – – ––––

100 workers or more ................................................ 100 89 27 60 78 55 20 8 – –

100 to 499 workers .............................................. 100 94 24 62 82 65 21 9 – –

500 workers or more ............................................ 100 83 30 58 74 42 18 8 – –

Geographic area

New England ........................................................... 100 92 34 65 78 55 33 14 – 8

Middle Atlantic ......................................................... 100 86 27 55 73 37 22 12 – –

East North Central ................................................... 100 82 21 54 68 45 – 14 – –

West North Central .................................................. 100 82 28 56 72 34 –9––

South Atlantic ........................................................... 100 85 18 53 70 49 19 13 – –

East South Central ................................................... 100 92 27 52 64 52 – 14 – 8

West South Central .................................................. 100 91 21 61 78 52 19 12 – –

Mountain .................................................................. 100 84 26 57 81 61 15 3 – –

Pacific ...................................................................... 100 90 28 60 73 57 18 12 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 35. Standard errors for savings and thrift plans: Investment choices for employee funds, private industry workers,

National Compensation Survey, 2012

Characteristics

Investment

choice

available

Available investments No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other Notdeterminable

Worker characteristic

All workers ............................................................... 1.5 1.8 1.8 1.7 2.0 1.8 1.4 – –

Management, professional, and related .................. 1.9 2.8 2.7 2.4 3.3 2.8 1.7 – –

Management, business, and financial ................. 2.4 4.1 3.6 3.5 4.4 2.6 1.8 – –

Professional and related ...................................... 2.2 3.2 3.6 3.1 4.2 3.5 2.2 – 2.2

Service ..................................................................... 4.8 – 7.0 6.0 5.6 2.5 4.8 – –

Protective service ................................................ 2.2 – – 5.3 16.6 – 4.2 – 2.2

Sales and office ....................................................... 2.1 2.6 2.5 2.3 2.5 2.2 1.4 – –

Sales and related ................................................. 2.9 3.8 4.0 3.1 3.9 3.8 1.8 – –

Office and administrative support ........................ 2.4 3.1 2.9 2.6 2.5 2.4 1.8 – –

Natural resources, construction, and maintenance 3.2 5.8 5.7 4.9 5.2 5.5 4.4 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 8.8 9.6 9.7 9.7 8.9 – 7.0 – –

Installation, maintenance, and repair ................... 3.4 6.9 6.5 5.8 6.5 6.8 5.4 – –

Production, transportation, and material moving ..... 2.3 2.9 3.9 4.0 4.2 2.8 3.7 – –

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

Transportation and material moving .................... 4.4 4.6 6.3 5.9 6.2 4.1 5.0 – –

Full time ................................................................... 1.5 2.0 1.9 1.8 2.1 1.8 1.5 – –

Part time .................................................................. 3.3 4.3 4.9 3.7 5.4 4.0 1.9 – –

Union ....................................................................... 2.3 5.4 4.4 3.7 5.1 5.1 3.0 – –

Nonunion ................................................................. 1.6 1.9 1.9 1.9 2.2 1.9 1.5 – –

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.4 3.3 4.9 4.5 5.4 2.5 3.9 – –

Lowest 10 percent ........................................... 11.3 – – – – – – – –

Second 25 percent ............................................... 1.9 2.2 3.0 3.0 2.9 2.0 2.4 – –

Third 25 percent ................................................... 1.9 2.9 3.0 2.8 3.4 2.6 2.6 – –

Highest 25 percent ............................................... 2.0 2.8 2.2 2.3 2.9 2.8 1.3 – –

Highest 10 percent ........................................... 3.0 3.2 3.1 3.1 3.5 3.5 2.0 – 3.0

Establishment characteristic

Goods-producing industries ..................................... 3.5 3.2 4.2 4.5 3.7 2.2 3.4 – –

Manufacturing ...................................................... 3.9 3.4 4.2 4.6 4.4 2.5 3.7 – –

Service-providing industries ..................................... 1.6 2.0 2.3 1.9 2.1 2.4 1.5 – –

Trade, transportation, and utilities ....................... 2.1 3.5 3.8 3.4 3.8 3.2 2.9 – –

Wholesale trade ............................................... 4.5 8.6 6.8 5.0 8.1 – 2.0 – –

Retail trade ...................................................... 2.0 3.7 3.9 4.1 4.4 3.4 3.9 – –

Transportation and warehousing ..................... 6.0 – – – – – – – –

Utilities ............................................................. 5.1 8.9 9.5 7.8 10.2 – 7.6 – 5.1

Information ........................................................... 0.8 8.0 3.2 3.2 7.5 6.9 3.0 – 0.8

Financial activities ................................................ 1.9 3.9 3.3 3.0 4.5 3.0 2.8 – 1.9

Finance and insurance .................................... 2.3 4.1 3.4 2.9 4.7 3.0 2.8 – 2.3

Credit intermediation and related activities .. 3.2 5.5 5.4 4.4 5.6 3.5 4.0 – 3.2

Insurance carriers and related activities ...... 4.3 5.7 5.0 4.5 6.0 6.6 3.6 – 4.3

Professional and business services ..................... 3.9 6.2 6.0 4.8 5.6 6.5 1.7 – 3.9

Professional and technical services ................. 6.4 – 6.8 7.0 7.7 – 2.8 – 6.4

Education and health services:

 Healthcare and social assistance .................... 4.4 – 6.1 5.2 4.9 2.5 4.1 – 4.4

See footnotes at end of table.
Table 35. Standard errors for savings and thrift plans: Investment choices for employee funds, private industry workers,

National Compensation Survey, 2012—Continued

Characteristics

Investment

choice

available

Available investments No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other Notdeterminable

1 to 99 workers ........................................................ 2.7 2.9 3.5 3.7 4.0 3.1 2.9 – –

1 to 49 workers .................................................... 3.3 2.9 3.9 4.3 4.3 3.3 3.4 – –

50 to 99 workers .................................................. 3.7 – – – – – – – –

100 workers or more ................................................ 1.7 2.2 2.2 1.7 2.2 2.0 1.3 – –

100 to 499 workers .............................................. 1.3 2.8 2.7 2.2 3.3 2.4 2.0 – –

500 workers or more ............................................ 3.4 3.2 3.6 3.3 3.2 2.5 1.2 – –

Geographic area

New England ........................................................... 3.7 5.1 3.3 3.6 6.7 7.3 6.7 – 3.7

Middle Atlantic ......................................................... 3.7 4.9 4.8 3.3 8.5 6.5 3.4 – –

East North Central ................................................... 3.3 5.4 5.8 4.8 6.1 – 3.7 – –

West North Central .................................................. 3.8 8.2 5.1 5.1 5.2 – 2.1 – –

South Atlantic ........................................................... 5.6 4.2 4.7 5.4 5.3 3.5 4.7 – –

East South Central ................................................... 5.4 5.9 7.4 8.8 6.6 – 6.8 – 5.4

West South Central .................................................. 2.2 2.4 6.3 2.9 4.5 4.5 3.6 – –

Mountain .................................................................. 5.6 6.1 6.7 6.6 5.3 3.9 2.1 – –

Pacific ...................................................................... 3.3 4.4 3.6 4.5 4.4 3.4 2.2 – –

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 36. Savings and thrift plans: Investment choices for employer funds, private industry workers, National Compensation

Survey, 2012

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Investment

choice

available

Available investments No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other Notdeterminable

Worker characteristic

All workers ............................................................... 100 83 23 53 70 47 17 11 3 14

Management, professional, and related .................. 100 86 24 61 74 49 17 9 1 13

Management, business, and financial ................. 100 87 28 64 77 52 15 8 – –

Professional and related ...................................... 100 85 22 59 72 46 18 10 1 14

Service ..................................................................... 100 80 – 42 63 28 9 16 – –

Protective service ................................................ 100 97 – – 91 70 –6–3

Sales and office ....................................................... 100 82 26 52 72 52 18 8 2 15

Sales and related ................................................. 100 86 26 53 81 71 24 5 3 11

Office and administrative support ........................ 100 81 26 51 68 42 15 10 2 17

Natural resources, construction, and maintenance 100 77 36 54 58 44 15 16 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 77 29 60 63 37 – 14 – –

Installation, maintenance, and repair ................... 100 77 38 52 57 46 – 17 – –

Production, transportation, and material moving ..... 100 84 17 43 63 42 20 18 – –

Production ............................................................ 100 85 13 44 63 37 21 19 – –

Transportation and material moving .................... 100 83 24 41 63 49 18 17 – –

Full time ................................................................... 100 83 24 54 69 46 17 12 3 14

Part time .................................................................. 100 87 23 52 80 58 19 6 3 10

Union ....................................................................... 100 77 44 61 68 42 98––

Nonunion ................................................................. 100 84 22 53 70 47 18 12 2 14

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 83 14 44 69 42 11 13 – –

Lowest 10 percent ........................................... 100 75 – – – – ––––

Second 25 percent ............................................... 100 84 20 44 67 43 16 13 2 14

Third 25 percent ................................................... 100 84 22 53 68 45 18 14 3 13

Highest 25 percent ............................................... 100 83 29 62 73 51 18 8 – –

Highest 10 percent ........................................... 100 86 31 63 75 51 20 8 1 13

Establishment characteristic

Goods-producing industries ..................................... 100 81 17 44 60 36 15 16 – –

Manufacturing ...................................................... 100 80 16 43 61 39 17 15 – –

Service-providing industries ..................................... 100 84 25 56 72 49 17 10 3 13

Trade, transportation, and utilities ....................... 100 86 28 50 75 58 22 11 2 13

Wholesale trade ............................................... 100 – – – – – ––––

Retail trade ...................................................... 100 88 23 46 78 69 21 10 – –

Transportation and warehousing ..................... 100 94 – – – – ––––

Utilities ............................................................. 100 – – – – – ––––

Information ........................................................... 100 83 57 77 77 65 –5––

Financial activities ................................................ 100 83 30 64 71 43 17 11 – –

Finance and insurance .................................... 100 85 31 67 74 44 17 10 – –

Credit intermediation and related activities .. 100 89 35 67 75 44 12 14 – –

Insurance carriers and related activities ...... 100 85 24 67 76 40 29 8 – –

Professional and business services ..................... 100 88 33 65 79 62 24 2 – –

Professional and technical services ................. 100 81 – 78 78 66 –3––

Education and health services ............................. 100 – – – – – ––––

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

Junior colleges, colleges, and universities ... 100 – – – – – ––––

Healthcare and social assistance .................... 100 – – – – – ––––

See footnotes at end of table.
Table 36. Savings and thrift plans: Investment choices for employer funds, private industry workers, National Compensation

Survey, 2012—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Total

Investment

choice

available

Available investments No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other Notdeterminable

1 to 99 workers ........................................................ 100 79 20 47 59 35 15 18 – –

1 to 49 workers .................................................... 100 77 18 49 60 39 14 16 – –

50 to 99 workers .................................................. 100 83 – – – – ––––

100 workers or more ................................................ 100 86 25 58 76 53 18 8 2 12

100 to 499 workers .............................................. 100 90 23 58 79 62 19 8 – –

500 workers or more ............................................ 100 81 28 57 72 42 17 7 2 17

Geographic area

New England ........................................................... 100 82 – 55 67 52 25 13 – –

Middle Atlantic ......................................................... 100 83 25 53 71 36 – 12 – –

East North Central ................................................... 100 81 23 53 67 45 – 14 – –

West North Central .................................................. 100 78 – 52 68 34 –9––

South Atlantic ........................................................... 100 83 17 50 69 47 17 13 – –

East South Central ................................................... 100 90 27 52 65 49 – 13 – –

West South Central .................................................. 100 89 21 59 75 49 19 12 – –

Mountain .................................................................. 100 83 25 54 78 59 14 3 – –

Pacific ...................................................................... 100 84 28 55 69 53 17 10 3 13

1 Surveyed occupations are classified into wage categories based on the average wage for the

occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 36. Standard errors for savings and thrift plans: Investment choices for employer funds, private industry workers,

National Compensation Survey, 2012

Characteristics

Investment

choice

available

Available investments No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other Notdeterminable

Worker characteristic

All workers ............................................................... 1.4 1.9 1.8 1.8 2.0 1.8 1.4 0.6 1.4

Management, professional, and related .................. 1.9 3.0 2.8 2.3 3.4 2.8 1.7 0.3 1.9

Management, business, and financial ................. 2.4 4.0 3.6 3.3 4.7 2.6 1.7 – –

Professional and related ...................................... 2.3 3.5 3.8 3.1 4.3 3.5 2.2 0.3 2.3

Service ..................................................................... 4.9 – 7.0 5.9 5.5 2.5 5.0 – –

Protective service ................................................ 2.4 – – 5.3 16.6 – 4.1 – 2.4

Sales and office ....................................................... 2.0 2.6 2.5 2.3 2.4 2.2 1.4 0.4 2.0

Sales and related ................................................. 2.9 3.8 4.0 3.0 3.9 3.8 1.7 0.6 3.0

Office and administrative support ........................ 2.5 3.0 2.8 2.6 2.4 2.4 1.7 0.5 2.3

Natural resources, construction, and maintenance 5.4 4.9 5.5 5.4 5.2 3.8 4.3 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 10.7 8.0 10.1 10.3 8.9 – 7.0 – –

Installation, maintenance, and repair ................... 6.7 6.4 7.0 6.7 6.6 – 5.3 – –

Production, transportation, and material moving ..... 2.5 2.8 3.5 4.0 4.4 2.8 3.6 – –

Production ............................................................ 3.1 3.0 5.0 5.2 5.2 3.2 4.9 – –

Transportation and material moving .................... 4.5 4.5 5.5 6.4 6.8 4.2 5.0 – –

Full time ................................................................... 1.5 2.0 1.8 1.9 2.0 1.8 1.5 0.7 1.5

Part time .................................................................. 3.1 4.3 4.9 3.5 5.0 4.0 1.9 0.7 3.2

Union ....................................................................... 5.4 5.1 5.4 5.7 5.0 2.5 3.0 – –

Nonunion ................................................................. 1.6 1.9 1.9 1.8 2.2 1.9 1.5 0.4 1.5

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.4 3.3 4.9 4.5 5.2 2.5 3.9 – –

Lowest 10 percent ........................................... 11.3 – – – – – – – –

Second 25 percent ............................................... 1.9 2.2 3.1 2.9 2.8 1.9 2.4 0.7 1.9

Third 25 percent ................................................... 2.0 2.9 2.9 2.7 3.4 2.5 2.6 0.6 1.8

Highest 25 percent ............................................... 1.9 2.8 2.5 2.5 3.0 2.9 1.3 – –

Highest 10 percent ........................................... 2.9 3.0 3.1 3.0 3.6 3.4 2.0 0.4 3.0

Establishment characteristic

Goods-producing industries ..................................... 3.4 2.9 3.9 4.0 3.6 2.0 3.4 – –

Manufacturing ...................................................... 4.0 3.2 4.0 4.5 4.4 2.5 3.7 – –

Service-providing industries ..................................... 1.5 2.1 2.3 1.9 2.1 2.2 1.5 0.7 1.4

Trade, transportation, and utilities ....................... 2.3 3.5 3.8 3.4 3.7 3.1 2.9 0.5 2.3

Wholesale trade ............................................... – – – – – – – – –

Retail trade ...................................................... 2.2 3.7 3.9 3.9 4.3 3.4 3.9 – –

Transportation and warehousing ..................... 6.0 – – – – – – – –

Utilities ............................................................. – – – – – – – – –

Information ........................................................... 6.8 7.8 6.7 6.7 7.5 – 3.0 – –

Financial activities ................................................ 2.3 3.9 3.3 3.0 4.4 3.0 2.7 – –

Finance and insurance .................................... 2.5 4.2 3.4 2.9 4.6 3.0 2.6 – –

Credit intermediation and related activities .. 3.3 5.5 5.4 4.5 5.6 3.5 3.9 – –

Insurance carriers and related activities ...... 4.5 5.8 5.1 4.7 6.0 6.6 3.3 – –

Professional and business services ..................... 4.0 6.4 6.1 5.0 6.2 6.5 1.7 – –

Professional and technical services ................. 6.4 – 6.8 6.8 8.1 – 2.8 – –

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

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

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

Healthcare and social assistance .................... – – – – – – – – –

See footnotes at end of table.
Table 36. Standard errors for savings and thrift plans: Investment choices for employer funds, private industry workers,

National Compensation Survey, 2012—Continued

Characteristics

Investment

choice

available

Available investments No

investment

choice

available

Not

Company determinable

stock

Common

stock

Diversified

investments

Lifecycle

funds Other Notdeterminable

1 to 99 workers ........................................................ 2.5 2.9 3.4 3.6 3.7 2.9 2.9 – –

1 to 49 workers .................................................... 3.4 2.8 3.8 4.0 4.1 2.8 3.4 – –

50 to 99 workers .................................................. 4.5 – – – – – – – –

100 workers or more ................................................ 1.7 2.3 2.2 1.8 2.2 2.0 1.3 0.5 1.7

100 to 499 workers .............................................. 1.6 2.8 2.8 2.2 3.6 2.4 2.0 – –

500 workers or more ............................................ 3.5 3.2 3.6 3.5 3.2 2.5 1.2 0.5 3.4

Geographic area

New England ........................................................... 2.1 – 6.0 8.2 6.1 6.7 7.2 – –

Middle Atlantic ......................................................... 3.3 5.2 4.5 3.8 8.5 – 3.5 – –

East North Central ................................................... 3.2 6.0 5.6 4.8 6.1 – 3.7 – –

West North Central .................................................. 5.7 – 6.9 6.5 5.2 – 2.1 – –

South Atlantic ........................................................... 5.2 3.4 4.6 5.6 5.0 3.1 4.6 – –

East South Central ................................................... 5.3 5.9 7.3 7.5 6.9 – 6.8 – –

West South Central .................................................. 2.6 2.4 4.8 2.9 3.4 4.4 3.6 – –

Mountain .................................................................. 5.4 6.1 7.4 7.0 5.5 4.0 2.1 – –

Pacific ...................................................................... 3.2 4.1 3.8 4.2 4.5 3.2 1.9 0.5 3.1

1 Surveyed occupations are classified into wage categories based on the average wage for

the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 37. Savings and thrift plans: Method of distribution of retirement benefits, private

industry workers, National Compensation Survey, 2012

(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 ............................................................... 91 17 39 10 9

Management, professional, and related .................. 91 20 43 6 8

Management, business, and financial ................. 91 17 41 7 8

Professional and related ...................................... 91 22 45 5 8

Sales and office ....................................................... 92 14 31 17 8

Sales and related ................................................. 92 9 20 28 8

Office and administrative support ........................ 91 17 36 11 9

Natural resources, construction, and maintenance 94 26 56 – 6

Construction, extraction, farming, fishing, and

forestry ............................................................... 98 – 52 – 2

Installation, maintenance, and repair ................... 92 28 58 – 7

Production, transportation, and material moving ..... 95 13 40 – 5

Production ............................................................ 94 15 49 – 6

Transportation and material moving .................... 96 10 26 – 4

Full time ................................................................... 91 17 40 9 9

Part time .................................................................. 90 18 29 22 10

Union ....................................................................... 93 26 58 – 7

Nonunion ................................................................. 91 16 37 10 9

Average wage within the following categories:3

Lowest 25 percent ............................................... 88 9 33 20 12

Lowest 10 percent ........................................... 95 – 56 – 5

Second 25 percent ............................................... 90 16 34 11 9

Third 25 percent ................................................... 92 15 39 11 8

Highest 25 percent ............................................... 92 21 44 5 8

Highest 10 percent ........................................... 92 19 41 5 7

Establishment characteristic

Goods-producing industries ..................................... 95 18 41 5 5

Manufacturing ...................................................... 94 19 45 5 6

Service-providing industries ..................................... 90 17 39 11 10

Trade, transportation, and utilities ....................... 94 10 30 21 6

Wholesale trade ............................................... 92 – 39 – 8

Retail trade ...................................................... 96 14 24 – 4

Transportation and warehousing ..................... 100 – 30 – –

Information ........................................................... 92 38 66 – 8

Financial activities ................................................ 88 20 37 8 12

Finance and insurance .................................... 88 21 39 8 11

Credit intermediation and related activities .. 94 28 44 – 5

Insurance carriers and related activities ...... 83 16 36 – 17

Professional and business services ..................... 92 – 42 – 8

Professional and technical services ................. 98 – 48 – 2

Education and health services ............................. 81 22 37 – 18

Educational services ........................................ 87 48 41 – 8

Junior colleges, colleges, and universities ... 81 48 36 – 12

Healthcare and social assistance .................... 80 20 36 – 19

See footnotes at end of table.
Table 37. Savings and thrift plans: Method of distribution of retirement benefits, private

industry workers, National Compensation Survey, 2012—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 ........................................................ 91 20 46 7 9

1 to 49 workers .................................................... 90 20 43 – 10

50 to 99 workers .................................................. 92 21 54 – 8

100 workers or more ................................................ 91 15 35 11 8

100 to 499 workers .............................................. 94 12 37 14 6

500 workers or more ............................................ 89 19 33 7 11

Geographic area

New England ........................................................... 97 29 52 – 3

Middle Atlantic ......................................................... 85 20 43 5 14

West North Central .................................................. 86 14 34 – 14

South Atlantic ........................................................... 97 17 39 14 2

East South Central ................................................... 98 28 46 17 2

West South Central .................................................. 94 12 31 – 6

Mountain .................................................................. 93 – 37 – 7

Pacific ...................................................................... 97 21 35 8 3

1 Sum of individual items may be greater than total because

multiple methods of distribution are available to some employees 2 Includes methods of distribution not calculated separately (e.g.,

employer stock). 3 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 37. Standard errors for savings and thrift plans: Method of distribution of retirement

benefits, private industry workers, National Compensation Survey, 2012

Characteristics

Method of distribution

Lump sum Annuity Installments Other1 Not

determinable

Worker characteristic

All workers ............................................................... 1.2 1.4 2.3 1.1 1.2

Management, professional, and related .................. 1.4 2.3 3.4 1.5 1.4

Management, business, and financial ................. 1.7 2.6 5.1 2.0 1.6

Professional and related ...................................... 1.9 3.5 3.6 1.5 1.8

Sales and office ....................................................... 1.5 1.2 2.5 1.9 1.5

Sales and related ................................................. 2.1 2.2 3.1 4.0 2.1

Office and administrative support ........................ 1.5 1.6 2.9 1.7 1.5

Natural resources, construction, and maintenance 2.6 5.8 4.9 – 2.7

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.4 – 10.0 – 1.4

Installation, maintenance, and repair ................... 3.4 7.1 5.8 – 3.4

Production, transportation, and material moving ..... 1.4 2.3 3.7 – 1.4

Production ............................................................ 2.0 3.4 5.2 – 2.0

Transportation and material moving .................... 1.6 2.6 4.4 – 1.6

Full time ................................................................... 1.1 1.4 2.4 1.1 1.1

Part time .................................................................. 3.4 2.9 3.1 3.1 3.4

Union ....................................................................... 1.6 5.7 6.1 – 1.5

Nonunion ................................................................. 1.3 1.3 2.3 1.2 1.2

Average wage within the following categories:2

Lowest 25 percent ............................................... 5.3 2.4 5.6 3.0 5.3

Lowest 10 percent ........................................... 3.0 – 9.7 – 3.0

Second 25 percent ............................................... 2.1 1.8 2.7 1.6 2.1

Third 25 percent ................................................... 1.1 1.8 3.1 2.5 1.1

Highest 25 percent ............................................... 1.1 2.6 3.5 0.9 1.1

Highest 10 percent ........................................... 1.5 3.0 4.3 1.0 1.5

Establishment characteristic

Goods-producing industries ..................................... 1.5 3.0 4.5 1.4 1.5

Manufacturing ...................................................... 1.8 3.3 4.7 1.5 1.8

Service-providing industries ..................................... 1.4 1.5 2.4 1.3 1.4

Trade, transportation, and utilities ....................... 1.8 2.1 3.6 3.3 1.8

Wholesale trade ............................................... 5.2 – 7.5 – 5.2

Retail trade ...................................................... 1.6 3.8 4.5 – 1.6

Transportation and warehousing ..................... 3 ( ) – 7.6 – –

Information ........................................................... 4.9 6.8 8.4 – 4.9

Financial activities ................................................ 1.7 2.8 3.2 2.0 1.7

Finance and insurance .................................... 2.1 2.9 3.1 2.1 2.0

Credit intermediation and related activities .. 2.8 4.5 4.8 – 2.7

Insurance carriers and related activities ...... 4.4 3.7 6.3 – 4.4

Professional and business services ..................... 3.2 – 7.3 – 3.2

Professional and technical services ................. 1.0 – 10.7 – 1.0

Education and health services ............................. 5.7 3.6 6.0 – 5.7

Educational services ........................................ 5.0 9.6 9.2 – 5.0

Junior colleges, colleges, and universities ... 6.9 7.8 5.9 – 7.0

Healthcare and social assistance .................... 6.2 3.7 6.3 – 6.2

See footnotes at end of table.
Table 37. Standard errors for savings and thrift plans: Method of distribution of retirement

benefits, private industry workers, National Compensation Survey, 2012—Continued

Characteristics

Method of distribution

Lump sum Annuity Installments Other1 Not

determinable

1 to 99 workers ........................................................ 2.5 2.9 3.8 1.9 2.5

1 to 49 workers .................................................... 3.0 3.9 4.7 – 3.0

50 to 99 workers .................................................. 4.5 5.0 7.2 – 4.4

100 workers or more ................................................ 1.4 1.4 2.7 1.5 1.3

100 to 499 workers .............................................. 1.7 1.9 3.9 1.9 1.7

500 workers or more ............................................ 1.8 2.3 3.1 2.0 1.7

Geographic area

New England ........................................................... 1.4 7.4 14.7 – 1.4

Middle Atlantic ......................................................... 4.0 3.0 7.9 0.9 4.0

West North Central .................................................. 3.5 4.1 8.4 – 3.5

South Atlantic ........................................................... 1.1 4.3 5.4 4.2 1.0

East South Central ................................................... 1.2 5.9 9.0 3.3 1.2

West South Central .................................................. 1.7 2.5 4.7 – 1.7

Mountain .................................................................. 5.6 – 8.1 – 5.6

Pacific ...................................................................... 1.3 3.7 4.8 1.9 1.3

1 Includes methods of distribution not calculated separately (e.g.,

employer stock). 2 Surveyed occupations are classified into wage categories based

on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012." 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/glossary20122013.htm.
Table 38. Deferred profit-sharing plans: Selected features, private industry

workers, National Compensation Survey, 2012

(All workers participating in deferred profit-sharing plans = 100 percent)

Characteristics Total

Employer contribution

Based on

predetermined

formula

Not based on

predetermined

formula

Not

determinable

Worker characteristic

All workers ............................................................... 100 15 82 3

Management, professional, and related .................. 100 19 77 4

Management, business, and financial ................. 100 22 73 5

Professional and related ...................................... 100 – 81 –

Service ..................................................................... 100 – 88 –

Sales and office ....................................................... 100 12 85 3

Sales and related ................................................. 100 – 87 –

Office and administrative support ........................ 100 12 84 4

Natural resources, construction, and maintenance 100 – 87 –

Installation, maintenance, and repair ................... 100 – 85 –

Production, transportation, and material moving ..... 100 16 81 3

Production ............................................................ 100 – 86 –

Transportation and material moving .................... 100 – 74 –

Full time ................................................................... 100 15 82 3

Part time .................................................................. 100 – 85 –

Nonunion ................................................................. 100 12 85 2

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 – 90 –

Second 25 percent ............................................... 100 – 90 –

Third 25 percent ................................................... 100 15 81 4

Highest 25 percent ............................................... 100 20 76 3

Highest 10 percent ........................................... 100 21 76 3

Establishment characteristic

Goods-producing industries ..................................... 100 13 86 1

Manufacturing ...................................................... 100 – 86 –

Service-providing industries ..................................... 100 15 81 3

Trade, transportation, and utilities ....................... 100 22 76 3

Financial activities ................................................ 100 – – –

Finance and insurance .................................... 100 – 81 –

Education and health services ............................. 100 – 87 –

See footnotes at end of table.
Table 38. Deferred profit-sharing plans: Selected features, private industry workers, National

Compensation Survey, 2012—Continued

(All workers participating in deferred profit-sharing plans = 100 percent)

Characteristics

Allocation formula

Equally

distributed

Proportional

to earnings

Proportional

to employee

contributions

Based on

earnings

and

service

Based on

earnings and

unit

performance

Other Not

determinable

Worker characteristic

All workers ............................................................... – 74 7 9 – – 6

Management, professional, and related .................. – 69 – – – – 4

Management, business, and financial ................. – 64 – – – – 3

Professional and related ...................................... – 74 – – – – 4

Service ..................................................................... – 84 – – – – 11

Sales and office ....................................................... – 79 – 10 – – 6

Sales and related ................................................. – 67 – – – – 11

Office and administrative support ........................ – 84 – 7 – – 3

Natural resources, construction, and maintenance – 53 – – – – 12

Installation, maintenance, and repair ................... – 63 – – – – 5

Production, transportation, and material moving ..... – 77 – – – – 8

Production ............................................................ – 80 – – – – 4

Transportation and material moving .................... – 73 – – – – 13

Full time ................................................................... – 76 7 8 – – 6

Part time .................................................................. – 53 – – – – 15

Nonunion ................................................................. – 75 7 9 – – 5

Average wage within the following categories:1

Lowest 25 percent ............................................... – 73 – – – – 15

Second 25 percent ............................................... – 78 – 9 – – 7

Third 25 percent ................................................... – 73 – – – – 7

Highest 25 percent ............................................... – 73 13 – – – 3

Highest 10 percent ........................................... – 68 – – – – 3

Establishment characteristic

Goods-producing industries ..................................... – 73 – – – – 5

Manufacturing ...................................................... – 75 – – – – 7

Service-providing industries ..................................... – 75 8 7 – – 6

Trade, transportation, and utilities ....................... – 69 – – – – 10

Financial activities ................................................ – 90 – – – – 2

Finance and insurance .................................... – 92 – – – – 1

Education and health services ............................. – 82 – – – – 3

See footnotes at end of table.
Table 38. Deferred profit-sharing plans: Selected features, private industry

workers, National Compensation Survey, 2012—Continued

(All workers participating in deferred profit-sharing plans = 100 percent)

Characteristics Total

Employer contribution

Based on

predetermined

formula

Not based on

predetermined

formula

Not

determinable

1 to 99 workers ........................................................ 100 12 87 1

1 to 49 workers .................................................... 100 – 86 –

50 to 99 workers .................................................. 100 – 89 –

100 workers or more ................................................ 100 17 78 5

100 to 499 workers .............................................. 100 – 87 –

500 workers or more ............................................ 100 30 66 4

Geographic area

Middle Atlantic ......................................................... 100 – 81 –

East North Central ................................................... 100 9 89 2

West North Central .................................................. 100 – 70 –

South Atlantic ........................................................... 100 – 83 –

West South Central .................................................. 100 – 83 –

Mountain .................................................................. 100 – 80 –

Pacific ...................................................................... 100 – – –

See footnotes at end of table.
Table 38. Deferred profit-sharing plans: Selected features, private industry workers, National

Compensation Survey, 2012—Continued

(All workers participating in deferred profit-sharing plans = 100 percent)

Characteristics

Allocation formula

Equally

distributed

Proportional

to earnings

Proportional

to employee

contributions

Based on

earnings

and

service

Based on

earnings and

unit

performance

Other Not

determinable

1 to 99 workers ........................................................ – 75 – – – – 5

1 to 49 workers .................................................... – 72 – – – – 7

50 to 99 workers .................................................. – 84 – – – – 2 ( )

100 workers or more ................................................ – 73 – 11 – – 7

100 to 499 workers .............................................. – 73 – – – – 4

500 workers or more ............................................ – 74 – – – – 11

Geographic area

Middle Atlantic ......................................................... – 73 – – – – 4

East North Central ................................................... – 80 – – – – 11

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

South Atlantic ........................................................... – 76 – – – – 3

West South Central .................................................. – 69 – – – – 2

Mountain .................................................................. – 88 – – – – 3

Pacific ...................................................................... – 70 – – – – 3

1 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012." 2 Less than 0.5.

Note: Because of rounding, sums of individual items may not equal totals. Dashes

indicate that no data were reported or that data do not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20122013.htm.
Table 38. Standard errors for deferred profit-sharing plans: Selected

features, private industry workers, National Compensation Survey, 2012

Characteristics

Employer contribution

Based on

predetermined

formula

Not based on

predetermined

formula

Not

determinable

Worker characteristic

All workers ............................................................... 2.3 2.4 1.2

Management, professional, and related .................. 4.5 5.1 2.4

Management, business, and financial ................. 4.7 5.9 4.0

Professional and related ...................................... – 6.4 –

Service ..................................................................... – 6.2 –

Sales and office ....................................................... 2.8 3.0 1.2

Sales and related ................................................. – 3.8 –

Office and administrative support ........................ 3.2 3.5 1.6

Natural resources, construction, and maintenance – 6.5 –

Installation, maintenance, and repair ................... – 8.1 –

Production, transportation, and material moving ..... 4.8 4.6 1.5

Production ............................................................ – 4.6 –

Transportation and material moving .................... – 7.9 –

Full time ................................................................... 2.4 2.5 1.3

Part time .................................................................. – 5.1 –

Nonunion ................................................................. 2.2 2.4 1.2

Average wage within the following categories:1

Lowest 25 percent ............................................... – 3.8 –

Second 25 percent ............................................... – 3.2 –

Third 25 percent ................................................... 3.7 3.7 1.8

Highest 25 percent ............................................... 3.7 4.1 2.1

Highest 10 percent ........................................... 6.0 6.4 2.1

Establishment characteristic

Goods-producing industries ..................................... 3.7 3.9 0.7

Manufacturing ...................................................... – 4.5 –

Service-providing industries ..................................... 2.7 2.9 1.5

Trade, transportation, and utilities ....................... 5.5 5.5 1.8

Financial activities ................................................ – – –

Finance and insurance .................................... – 7.6 –

Education and health services ............................. – 6.7 –

See footnotes at end of table.
Table 38. Standard errors for deferred profit-sharing plans: Selected features, private industry workers,

National Compensation Survey, 2012—Continued

Characteristics

Allocation formula

Equally

distributed

Proportional

to earnings

Proportional

to employee

contributions

Based on

earnings

and

service

Based on

earnings and

unit

performance

Other Not

determinable

Worker characteristic

All workers ............................................................... – 3.4 1.8 1.7 – – 2.0

Management, professional, and related .................. – 5.2 – – – – 1.3

Management, business, and financial ................. – 5.6 – – – – 1.6

Professional and related ...................................... – 6.9 – – – – 1.6

Service ..................................................................... – 9.7 – – – – 9.0

Sales and office ....................................................... – 4.2 – 2.8 – – 2.1

Sales and related ................................................. – 9.6 – – – – 5.7

Office and administrative support ........................ – 3.0 – 2.1 – – 1.5

Natural resources, construction, and maintenance – 12.5 – – – – 7.8

Installation, maintenance, and repair ................... – 12.7 – – – – 3.0

Production, transportation, and material moving ..... – 6.7 – – – – 3.0

Production ............................................................ – 6.9 – – – – 2.6

Transportation and material moving .................... – 8.9 – – – – 5.3

Full time ................................................................... – 3.2 1.9 1.5 – – 1.8

Part time .................................................................. – 11.9 – – – – 6.6

Nonunion ................................................................. – 3.4 1.9 1.8 – – 1.5

Average wage within the following categories:1

Lowest 25 percent ............................................... – 8.7 – – – – 7.0

Second 25 percent ............................................... – 4.7 – 2.5 – – 2.9

Third 25 percent ................................................... – 5.8 – – – – 3.1

Highest 25 percent ............................................... – 4.3 3.4 – – – 0.9

Highest 10 percent ........................................... – 6.8 – – – – 1.5

Establishment characteristic

Goods-producing industries ..................................... – 7.0 – – – – 2.8

Manufacturing ...................................................... – 7.1 – – – – 3.4

Service-providing industries ..................................... – 3.9 2.3 1.6 – – 2.3

Trade, transportation, and utilities ....................... – 7.1 – – – – 4.4

Financial activities ................................................ – 3.7 – – – – 1.4

Finance and insurance .................................... – 3.2 – – – – 1.1

Education and health services ............................. – 7.9 – – – – 2.3

See footnotes at end of table.
Table 38. Standard errors for deferred profit-sharing plans: Selected

features, private industry workers, National Compensation Survey,

2012—Continued

Characteristics

Employer contribution

Based on

predetermined

formula

Not based on

predetermined

formula

Not

determinable

1 to 99 workers ........................................................ 3.6 3.6 0.4

1 to 49 workers .................................................... – 4.7 –

50 to 99 workers .................................................. – 5.2 –

100 workers or more ................................................ 3.3 3.8 2.4

100 to 499 workers .............................................. – 4.2 –

500 workers or more ............................................ 6.7 6.8 2.4

Geographic area

Middle Atlantic ......................................................... – 8.5 –

East North Central ................................................... 1.6 2.1 1.7

West North Central .................................................. – 12.2 –

South Atlantic ........................................................... – 7.3 –

West South Central .................................................. – 6.9 –

Mountain .................................................................. – 9.3 –

Pacific ...................................................................... – – –

See footnotes at end of table.
Table 38. Standard errors for deferred profit-sharing plans: Selected features, private industry workers,

National Compensation Survey, 2012—Continued

Characteristics

Allocation formula

Equally

distributed

Proportional

to earnings

Proportional

to employee

contributions

Based on

earnings

and

service

Based on

earnings and

unit

performance

Other Not

determinable

1 to 99 workers ........................................................ – 5.6 – – – – 2.5

1 to 49 workers .................................................... – 7.1 – – – – 3.3

50 to 99 workers .................................................. – 5.7 – – – – 0.1

100 workers or more ................................................ – 4.5 – 2.6 – – 2.9

100 to 499 workers .............................................. – 6.2 – – – – 1.6

500 workers or more ............................................ – 7.6 – – – – 6.6

Geographic area

Middle Atlantic ......................................................... – 9.3 – – – – 3.0

East North Central ................................................... – 6.3 – – – – 6.2

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

South Atlantic ........................................................... – 8.7 – – – – 2.2

West South Central .................................................. – 7.5 – – – – 1.6

Mountain .................................................................. – 5.6 – – – – 2.1

Pacific ...................................................................... – 7.2 – – – – 2.4

1 Surveyed occupations are classified into wage categories based on the

average wage for the occupation, which may include workers with earnings both

above and below the threshold. The categories were formed using percentile

estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2012."

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/glossary20122013.htm.
Table 39. Money purchase pension plans: Employer contributions, private industry workers, National Compensation

Survey, 2012

(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 62 2.00 3.00 3.00 5.00 9.00 38 –

Management, professional, and related .................. 100 60 2.00 3.00 5.00 7.00 10.00 40 –

Management, business, and financial ................. 100 61 – 3.00 3.50 6.00 10.00 39 –

Professional and related ...................................... 100 60 2.00 3.00 5.00 8.00 10.00 40 –

Service ..................................................................... 100 60 2.00 – 3.00 – – 40 –

Sales and office ....................................................... 100 65 2.00 3.00 3.00 5.00 8.00 35 –

Office and administrative support ........................ 100 65 2.00 3.00 3.00 5.00 7.50 35 –

Natural resources, construction, and maintenance 100 – – – – – – 60 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 100 – – – – – – 80 –

Installation, maintenance, and repair ................... 100 86 1.00 – 3.00 3.00 – – –

Production, transportation, and material moving ..... 100 77 – – 3.00 4.00 5.00 23 –

Production ............................................................ 100 83 – – 3.00 4.00 5.00 – –

Transportation and material moving .................... 100 70 – 2.00 3.00 3.50 5.00 – –

Full time ................................................................... 100 63 2.00 3.00 3.00 5.00 9.00 37 –

Part time .................................................................. 100 51 2.00 3.00 3.00 3.25 4.50 49 –

Union ....................................................................... 100 28 1.00 – – – 8.00 72 –

Nonunion ................................................................. 100 69 2.00 3.00 3.00 5.00 9.00 31 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 91 – – 3.25 4.50 5.00 – –

Second 25 percent ............................................... 100 72 2.00 3.00 3.00 3.50 6.00 28 –

Third 25 percent ................................................... 100 59 2.00 – 3.00 4.00 8.00 41 –

Highest 25 percent ............................................... 100 56 2.00 3.00 5.00 7.00 10.00 44 –

Highest 10 percent ........................................... 100 64 3.00 – 5.00 9.40 10.00 36 –

Establishment characteristic

Goods-producing industries ..................................... 100 64 – – 3.00 – 5.00 36 –

Manufacturing ...................................................... 100 83 1.00 – 3.00 3.00 5.00 – –

Service-providing industries ..................................... 100 61 2.00 3.00 3.50 6.00 10.00 39 –

Education and health services ............................. 100 53 2.00 – 3.00 7.00 8.00 47 –

Educational services ........................................ 100 58 – 5.00 7.00 8.00 10.00 42 –

Junior colleges, colleges, and universities ... 100 54 – 5.00 7.00 9.50 10.00 46 –

Healthcare and social assistance .................... 100 51 – 2.00 3.00 3.00 5.00 49 –

1 to 99 workers ........................................................ 100 65 3.00 3.00 3.00 – 5.00 35 –

1 to 49 workers .................................................... 100 68 – 3.00 3.00 – 6.00 32 –

100 workers or more ................................................ 100 60 – – 3.50 6.00 10.00 40 –

100 to 499 workers .............................................. 100 73 – 3.00 4.00 5.00 – – –

500 workers or more ............................................ 100 55 – 2.00 – 8.00 10.00 45 –

Geographic area

New England ........................................................... 100 43 3.00 – – 7.00 8.00 57 –

Middle Atlantic ......................................................... 100 46 – 3.00 4.50 – 10.00 54 –

East North Central ................................................... 100 64 – 3.00 3.00 3.00 5.00 36 –

West North Central .................................................. 100 71 – 2.00 3.00 4.00 – – –

South Atlantic ........................................................... 100 78 – – 3.00 – 10.00 22 –

West South Central .................................................. 100 83 – – 5.00 – 10.00 – –

Pacific ...................................................................... 100 50 3.00 – 5.00 5.00 – 50 –

1 Surveyed occupations are classified into wage categories based on the average wage

for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from

the National Compensation Survey publication, "Employer Costs for Employee Compensation

- March 2012."

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/glossary20122013.htm.
Table 39. Standard errors for money purchase pension plans: Employer contributions, private industry workers,

National Compensation Survey, 2012

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 ............................................................... 3.8 0.00 0.00 0.14 0.00 1.53 3.8 –

Management, professional, and related .................. 4.8 0.00 0.00 0.61 1.31 0.17 4.8 –

Management, business, and financial ................. 6.1 – 0.00 1.02 1.40 0.89 6.1 –

Professional and related ...................................... 5.5 0.36 0.20 0.29 1.49 0.10 5.5 –

Service ..................................................................... 10.6 0.00 – 0.00 – – 10.6 –

Sales and office ....................................................... 5.7 0.00 0.00 0.10 1.37 1.48 5.7 –

Office and administrative support ........................ 5.9 0.12 0.00 0.20 1.43 1.18 5.9 –

Natural resources, construction, and maintenance – – – – – – 11.9 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – – – – – 11.2 –

Installation, maintenance, and repair ................... 6.0 0.28 – 0.22 0.00 – – –

Production, transportation, and material moving ..... 6.7 – – 0.00 1.05 0.33 6.7 –

Production ............................................................ 8.4 – – 0.00 1.10 0.46 – –

Transportation and material moving .................... 9.5 – 0.20 0.28 0.60 1.14 – –

Full time ................................................................... 3.8 0.21 0.00 0.20 0.20 1.55 3.8 –

Part time .................................................................. 9.9 0.00 0.71 0.00 0.56 1.31 9.9 –

Union ....................................................................... 8.3 0.00 – – – 2.36 8.3 –

Nonunion ................................................................. 3.6 0.00 0.00 0.17 0.00 1.51 3.6 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 5.2 – – 0.57 0.88 0.98 – –

Second 25 percent ............................................... 5.7 0.21 0.68 0.00 1.02 1.02 5.7 –

Third 25 percent ................................................... 6.6 0.00 – 0.00 0.92 1.36 6.6 –

Highest 25 percent ............................................... 5.0 0.00 0.00 0.31 1.47 0.00 5.0 –

Highest 10 percent ........................................... 7.1 0.40 – 0.00 1.94 0.00 7.1 –

Establishment characteristic

Goods-producing industries ..................................... 8.1 – – 0.00 – 0.28 8.1 –

Manufacturing ...................................................... 7.2 0.00 – 0.00 0.71 1.02 – –

Service-providing industries ..................................... 3.9 0.00 0.00 0.82 1.07 0.87 3.9 –

Education and health services ............................. 6.0 0.37 – 0.56 1.00 0.86 6.0 –

Educational services ........................................ 4.6 – 0.28 0.14 0.96 0.14 4.6 –

Junior colleges, colleges, and universities ... 5.0 – 0.46 0.34 1.61 0.00 5.0 –

Healthcare and social assistance .................... 9.1 – 0.25 0.10 0.11 0.58 9.1 –

1 to 99 workers ........................................................ 8.6 0.28 0.00 0.00 – 0.92 8.6 –

1 to 49 workers .................................................... 8.9 – 0.00 0.00 – 1.37 8.9 –

100 workers or more ................................................ 3.9 – – 0.80 1.50 0.51 3.9 –

100 to 499 workers .............................................. 8.7 – 0.00 1.09 0.20 – – –

500 workers or more ............................................ 5.0 – 0.00 – 1.46 0.10 5.0 –

Geographic area

New England ........................................................... 12.1 0.00 – – 0.59 1.06 12.1 –

Middle Atlantic ......................................................... 7.5 – 0.21 0.64 – 2.70 7.5 –

East North Central ................................................... 6.3 – 0.49 0.00 0.00 1.32 6.3 –

West North Central .................................................. 9.5 – 0.45 0.10 1.10 – – –

South Atlantic ........................................................... 4.6 – – 0.00 – 2.63 4.6 –

West South Central .................................................. 12.3 – – 1.28 – 0.56 – –

Pacific ...................................................................... 9.1 0.00 – 0.00 0.00 – 9.1 –

1 Surveyed occupations are classified into wage categories based on the average

wage for the occupation, which may include workers with earnings both above and

below the threshold. The categories were formed using percentile estimates generated

using data from the National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2012."

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/glossary20122013.htm.
Technical Note 

Data in this bulletin are from the National Compensation Survey (NCS), conducted by the U.S. Department of 

Labor, Bureau of Labor Statistics (BLS). The bulletin contains 2012 data on detailed employer-provided health 

and retirement benefit plan provisions for private industry workers in the United States. Excluded from the 2012 

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 

Average hourly earnings from sampled occupations within an establishment were used to produce estimates for 

worker groups within the six earnings categories: the lowest 10 percent, the lowest 25 percent, the second 25 

percent, the third 25 percent, the highest 25 percent, and the highest 10 percent. The categories are based on 

March 2012 wages and salaries from the Employer Costs for Employee Compensation data release. 

The percentiles were computed using earnings and scheduled hours of work reported for individual workers in 

sampled establishment jobs. Establishments in the survey are asked to report only individual worker earnings 

for each sampled job. For the calculation of the hourly percentile values, the individual worker hourly earnings 

are weighted and arrayed from lowest to highest. The values corresponding to the percentiles are: 

Characteristic 

Hourly wage percentiles 

10 25 50 (median) 75 90

Private industry workers $8.40 $11.00 $16.45 $25.77 $39.94

The lowest 10 percent and 25 percent wage categories include those occupations with an average hourly wage 

less than the 10th percentile and 25th percentile value, respectively. The second 25 percent category includes 

those occupations that earn at or above the 25th percentile value but less than the 50th percentile value. The 

third 25 percent category includes those occupations that earn at or above the 50th percentile value but less than 

the 75th percentile value. Finally, the highest 25 and 10 percent wage categories include those occupations with 

an average wage value greater than or equal to the 75th and 90th percentile value, respectively. 

(Note: Individual workers can fall into an earnings category different from the average for the occupation into 

which they are classified because average hourly earnings for the occupation are used to produce the benefit 

estimates.)

Not determinable estimates 

Some tables in this bulletin contain columns with estimates classified as "not determinable." Situations that 

result in this classification can vary. In detailed provisions of employer-provided health care plans, the "not 

determinable" classification is used whenever no information on a particular plan feature is available from the 

Summary Plan Description (SPD). The SPD is used as a primary source of information on the provisions of a 

health benefit plan. For example, in table 1, workers are classified as participating in four types of fee-forservice plans. Workers that were known to participate in a fee-for-service plan, but the plan type was either not 

specified or was specified but did not fit into any of the four categories used in the table, were classified into the 

"not determinable" category. 

Another situation in which the "not determinable" classification may be used is when workers participate in 

plans in which a provision is known to exist, but no information on the specific details of this provision is 
available from the SPD. For example, in one of the tables, all workers participate in fee-for-service plans. The 

majority of the workers included in this table participated in plans that specified a deductible, but a small 

percentage of workers participated in plans in which the deductible was mentioned but not described. These 

workers were classified into the "not determinable" category. 

Interpreting the tables 

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, such as the median age requirement for eligibility to participate in a 

defined benefit retirement plan; dollar averages, medians, and percentiles for various benefit provisions; and the 

specified matching percent (by percentile) an employer will contribute to an employees’ savings and thrift 

retirement plan. 

The nonshaded estimates indicate percentages of workers. Shaded estimates measure values other than the 

percent of workers. 

Survey sample 

The 2012 survey included a sample of approximately 3,200 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/glossary20122013.htm. 

Appendix table 1: Survey establishment response 

Appendix table 2: Number of workers represented
Appendix table 1. Survey establishment response, private

industry, National Compensation Survey, 2012

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 5,496,029

 Total in sample .................................................................... 3,224

 Responding ........................................................................ 2,283

 Refused or unable to provide data ..................................... 698

 Out of business or not in survey scope .............................. 243

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, 2012

Occupational group2 Estimated number

of workers

All workers ............................................................................. 103,728,600

Management, professional, and related ............................ 26,621,400

Management, business, and financial ........................... 10,073,700

Professional and related ................................................ 16,547,700

Service ............................................................................... 23,268,400

Protective service .......................................................... 1,167,400

Sales and office ................................................................. 29,162,500

Sales and related ........................................................... 11,290,000

Office and administrative support .................................. 17,872,600

Natural resources, construction, and maintenance ........... 8,434,700

Construction, extraction, farming, fishing, and forestry .. 3,698,100

Installation, maintenance, and repair ............................. 4,736,500

Production, transportation, and material moving ............... 16,241,600

Production ...................................................................... 8,219,000

Transportation and material moving .............................. 8,022,600

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.